StaffCare Employee Health Insurance -

    StaffCare Health Insurance Plan

    Whatever the size of your business, you will already know what a great asset your employees are.

    Research shows that staff health insurance plans are considered one of the most desirable employee benefits offered by employers. Those individuals with health insurance are more likely to be treated and return to work up to three months faster than those without access to private treatment.

    At Accuro, we enable you to choose a group health insurance solution to fit your business so that the features you need are the ones you pay for. By offering this flexibility, we can offer a range of options that can provide prompt access to diagnosis and treatment for your employees.

    We have been providing our members with access to private medical treatment since 1971. For over 45 years, we’ve built up a wealth of experience and understanding of what New Zealand employees are really looking for in their health insurance. This is reflected in the market-leading flexibility of our StaffCare products.

    Building your plan

    Accuro’s group health insurance allows you, the employer, the flexibility to choose a package that suits your employees and your budget. StaffCare consists of a base plan (Essential Care) and two optional plans that can be added to provide comprehensive health insurance cover: Specialist Care or Everyday Care.

    Through implementing a staff health insurance plan, you can offer your employees health cover as a benefit of being employed with your business – encouraging loyalty, retention and boosting morale. You can also include dependants and wha-ngai in this plan. We allow dependants and wha-ngai to have cover at dependant rates until their 25th birthday.

    What are the benefits?

    Benefits to your business

    Be a preferred employer by providing a great flexible benefit that gives you the competitive edge

    Safeguard your business against the impact of illness - early diagnosis and treatment can prevent long-term illness, helping get your employees treated and back to work as quickly as possible

    Retain existing staff and attract new recruits - health insurance is one of the most popular remuneration package items offered by employers, helping employees to feel valued and secure

    Reap the rewards of productivity and loyalty from employees who feel valued.

    Benefits to your employees

    Feel valued knowing they work for a caring employer

    Have confidence knowing that they will have access to healthcare and won't need to worry about public waiting lists

    have the comfort of knowing that they will have prompt access to diagnosis and quality treatment options at a nearby hospital or centre, helping them to return to normal as soon as possible.

     

    Step One: Essential Care base plan

    The Essential Care base plan covers your employees for the 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). The excess options available on this plan are $0, $250, $500 and $1,000.

    Key benefits

    General Surgery

    Your employees are covered for procedures including private hospital costs, surgeons’ fees, pre-operative and post-operative diagnostics, consultations and tests up to $100,000 per person per policy year.

    Non- surgical cancer treatment

    If your employees are diagnosed with cancer, they will be covered up to $25,000 per course of treatment, up to $60,000 per person per policy year.

    Your employees are covered for major diagnostic procedures such as angiograms, MRI scans, CT scans and/or MP scans, with or without admission to a private hospital.

    Private hospital admission

    If your employees require admission to a private hospital but do not require surgery, they are covered up to $65,000 per person per policy year. These costs include diagnostics, consultations and tests within four months prior or after admission to a private hospital.

    Treatment outside of New Zealand

    With our Essential Care base plan, your employees are covered up to $10,000 per person per policy year for the costs of a medically necessary and recognised surgical procedure at an overseas hospital.

     

    Step Two: Tailor your plan with add on modules

    - Specialist Care plan

    The Specialist Care plan covers your employees for specialist consultations and a wide range of diagnostic tests that do not result in hospital admission.

    Key Benefits

    Specialist consultations

    Your employees are covered for specialist consultations such as visits to cardiologists, gynaecologists and ear, nose and throat specialists and for diagnostic testing such as ultrasounds, bone density scans, mammograms and allergy testing up to $5,000 per policy year.

    Immediate cover

    With our Specialist Care plan, there is no stand-down period, so your employees are able to make claims as soon as the plan is in place.

    Second opinion benefit

    For when you’d like to consult an alternative specialist for a second opinion.

    Excess options

    An automatic excess of $250 will be applied to this plan. We can also apply an excess of $0 if requested.

     

    - Everyday Care plan

    Our Everyday Care plan is ideal for those seeking cover for more frequent healthcare costs. It covers your employees for doctor and nurse visits as well as prescriptions. There is no limit on the number of times they can visit.

    Key Benefits

    Doctor Visits

    Your employees can visit their doctor or even have a doctor visit them with this plan, allowing them up to $35 per clinic visit or each after-hours GP visit, up to $150 per year.

    Prescriptions

    Your employees are covered for the cost of prescriptions up to $20 for each prescription, up to $100 per year.

    Practice nurse visit and lab tests

    Your employees are covered for the costs of a practice nurse visit up to $20 per visit, as well as lab tests as ordered by their GP or specialist, up to $100 per year.

     

    Other terms and conditions apply. Please see the full policy document for more details. Accuro Health Insurance is the trading name for the Health Service Welfare Society Limited, which is incorporated under the Industrial and Provident Societies Act 1908.