Central to SmartCare is our Hospital and Surgical base plan, which covers you for larger expenses including surgery (an operation or procedure to treat a disease or an illness) and private hospital admission (treatment in a private hospital without the need for surgery).

SmartCare is a modular health care plan, meaning you can add one or more of the following options to the comprehensive base plan: Specialist, GP, Natural Health, or Dental and Optical to ensure your family is covered for any likely medical expenses.

SmartCare+ is designed specificially for those who want or require a more enhanced level of cover for themselves or their family. It offers all the benefits and additional plan options of SmartCare plus the added value of a non-PHARMAC drug benefit, a medical tourism benefit, an overseas waiting list benefit and an increase in the bereavement grant.

But we don’t believe in being the ambulance at the bottom of the cliff, so we provide rewards for you being proactive rather than reactive with your health. You will receive a 'warrant of fitness' discount on premiums after three years of continued cover and every three years after that if you retain a healthy weight. Non-smokers also receive a 10% discount on their premiums.

Excess options range from $0 to $4,000   the greater the excess, the lower the premium, so you're in control.

Take a look at our SmartCare and SmartCare+ policy documents for more details. Our quote tool provides you with a great opportunity to choose the plan(s) you need and provides you with premium and excess options so you can choose the level of cover you and your family require.

Whats the difference between SmartCare and SmartCare+?