Our health insurance plans

Things to consider when choosing your health insurance plan

  • Do you only want cover for major medical expenses, such as surgery and related costs?
  • Do you want cover for surgery, specialist visits, diagnostic tests and imaging?
  • Do you want extensive cover for surgery, specialist visits, diagnostic tests, imaging and day-to-day healthcare (e.g. doctors visits and prescriptions)?

Some plans are modular, which means you can pick and choose from various options to build a plan that fits your needs and budget. 

Plan choices

HealthEssentials

Our new day-to-day health cover that covers you for 75 per cent of GP consultations, dental and optical, physiotherapy, dietician, acupuncture, chiropractor, osteopathy and remedial massage costs up to the policy limits.

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Wellbeing
Starter

Cover for cancer care, some surgery, as well as specialist consultations, imaging and tests within six months of related eligible healthcare services. Wellbeing Starter has restricted specialties and does not cover most healthcare services in gynaecology, urology and orthopaedics unless directly required for the treatment of cancer.

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Wellbeing
One

Cover for surgery and cancer care, as well as specialist consultations, imaging and tests within six months of related eligible healthcare services.

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Wellbeing
Two

Cover for surgery, cancer care, specialist consultations, imaging and tests and optional day-to-day healthcare.

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Ultra
Care

Comprehensive cover for surgery, cancer care, specialist consultations, imaging and tests and day-to-day healthcare.

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Shared cover

Lower premiums, but you pay a higher contribution towards your healthcare costs.

KiwiCare

Shared cover for some of the costs
of surgery, consultations
and diagnostic tests

RegularCare

Shared cover for some of the costs
of surgery, consultations,
diagnostic tests, and
day-to-day healthcare

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Critical Illness plans

Critical Illness is complementary to health insurance. Our Critical Illness plan pays a one-off lump sum to give you a financial boost if you are diagnosed with a qualifying critical illness event (such as cancer or stroke).

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