StaffCare+

StaffCare+ is the only premium group health insurance product that has been designed specifically for New Zealand businesses.
StaffCare+ provides all the benefits that you would expect from a premium group insurance product, including cover for pre-existing conditions. What really sets it apart from our competitor group products is that it has the highest level of cover for non-PHARMAC chemotherapy drugs.

Included in base plan

Optional plans

StaffCare

StaffCare is our group product designed to deliver quality benefits at a competitive price. StaffCare contains a slightly lower level of cover than our flagship product StaffCare+ but is still comprehensive and includes cover for pre-existing conditions.
StaffCare has benefit levels designed to ensure your staff can get back to work as quickly as possible. It’s made for business owners who want quality care for their staff along with value for money.

Included in base plan

Optional plans

Customisable cover

Choose a health insurance plan that suits your business and your staff. Start with our Hospital and Surgical base plans then customise your solution by adding one or more of our additional plans.

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Included in base plan

Hospital and Surgical base plan

Get cover of up to $300,000 for surgery and up to $200,000 for private hospital medical admission.

Benefits StaffCare+ StaffCare

Health check Active loyalty benefit

After three continuous years it covers the costs for a health check performed by a GP, every three policy years.

Yes
Yes

General surgery

Covers the costs associated with surgical treatment, including private hospital costs, surgeons’ and anaesthetists' fees, and specialist consultations and tests that occur in the year before and after the surgery.

$300,000 per policy year
$200,000 per policy year

Major diagnostic procedures

Covers the costs for diagnostic procedures.

$300,000 per policy year

Covers angiograms, MRI scans, CT scans, and endoscopies, with or without admission to a private hospital.

Benefit limits apply per procedure

Angiogram – up to $3,500; MRI scan – up to $3,000; CAT or CT scan – up to $2,500; MP scan – up to $2,000

Oral surgery

Covers the cost of oral surgeries, such as the removal of impacted or unerupted teeth, abscesses, cysts, soft tissue swellings and other medical (not dental) conditions of the mouth.

$300,000 per policy year
$100,000 per policy year

Private hospital medical admission

Covers the costs associated with admission to a private hospital for reasons other than surgery.

$200,000 per policy year
$65,000 per policy year

Non-surgical cancer treatment

Covers non-surgical cancer treatment including diagnostics, consultation or tests provided they relate to the condition treated in a private hospital.

$65,000 per policy year

Non-surgical cancer treatment is included in the private hospital medical admission benefit. This is not a standalone benefit.

$60,000 per policy year

Non-PHARMAC chemotherapy drugs

Covers the costs of accessing the most effective non-Pharmac approved chemotherapy drugs.

$40,000 per policy year

Non-PHARMAC chemotherapy drugs is included in the private hospital medical admission benefit. This is not a standalone benefit.

No

Treatment outside of New Zealand

Reimburses medically necessary surgical procedure(s) at an overseas hospital, when it is not available in New Zealand.

$30,000 per policy year
$10,000 per policy year

Best Doctors

Provides access to the Best Doctors programme

Yes
Yes

Bowel screening Active loyalty benefit

After three continuous years it covers a bowel screening kit, every three policy years.

Yes
Yes

Optional plans

Specialist plan

Our most popular additional plan that speeds up the time to diagnosis by providing access to private tests and specialist consultations.

Benefits StaffCare+ StaffCare

Specialist consultations

Covers the costs for visits to specialists such as cardiologists, gynaecologists, orthopaedic surgeons and ear, nose and throat specialists.

$5,000 per policy year
$5,000 per policy year

Diagnostic tests

Covers the costs for tests and procedures such as x-rays, ultrasounds, ECGs, bone density scans, mammograms and allergy testing.

$5,000 per policy year
$5,000 per policy year

Diagnostic tests are included in the specialist consultation benefit. They are not a standalone benefit.

Mental health consultations

Covers the costs for consultations with a psychiatrist or psychologist.

$500 per policy year

Mental health consultations are included in the specialist consultation benefit. They are not a standalone benefit.

$500 per policy year

Mental health consultations are included in the specialist consultation benefit. They are not a standalone benefit.

Pregnancy loyalty benefit

After three continuous years it covers the costs of obstetric care during pregnancy.

$2,000 per policy year
No

Melanoma loyalty benefit

After three continuous years it covers the costs for melanoma investigations, every three policy years.

$200 every three policy years
$200 every three policy years

Optional plans

Dental and Optical plan

This plan is ideal if your employees make regular trips to their dentist or optometrist and covers 80% of the costs.

Benefits StaffCare+ StaffCare

Dental cover

Cover the cost for dental treatment such as dental checks, cleaning, scaling, teeth removal, X-rays, and fillings.

$500 per policy year

80% of cost.

No

Optometrist or orthoptist consultations.

Covers the cost for consultation with an optometrist or orthoptist

$300 per policy year

80% of the cost up to $60 per visit.

No

Prescription glasses or contact lenses

Covers the costs of the purchase of prescription glasses or contact lenses.

$300 per policy year

80% of the cost.

No

Orthodontic loyalty benefit

After three continuous years it covers the cost of orthodontic treatment.

$750 per policy year

80% of the cost.

No

Optional plans

GP plan

A good choice if you frequently make visits to your doctor, especially for prescriptions.

Benefits StaffCare+ StaffCare

GP visits

Covers the costs of GP visits, including home and after-hours visits.

$55 per visit

$70 per after-hours and home visit.

$150 per policy year

$35 per visit

Registered nurse visits

Covers the costs of practice nurse visits.

$35 per visit
$100 per policy year

$20 per visit.

Prescription drugs

Covers the costs of prescription drugs.

$400 per policy year

$20 per item

$100 per policy year

$20 per item

Preventative loyalty benefit

After three continuous years it covers the costs for a preventative mammogram or prostate check, every three policy years.

$200 every three policy years
No

Laboratory tests

Covers the costs of laboratory tests.

$80 per policy year
No

Optional plans

Natural Health plan

Take a broad approach to your well being with an additional plan that covers treatments from osteopaths, natural therapists and nutritionists. Total cover is $800 per year.

Benefits StaffCare+ StaffCare

Osteopath and chiropractor treatment

Covers the costs for treatment by an osteopath and chiropractor.

$240 per policy year per health practitioner

$45 per visit. A benefit maximum of $800 per policy year for all health practitioners applies.

No

Other health practitioners

Treatment from health practitioners such as, physiotherapists, podiatrists, homeopaths, dietitians, acupuncturists, and nutritionists.

$200 per policy year per health practitioner

$45 per visit. A benefit maximum of $800 per policy year for all health practitioners applies.

No

Sick leave loyalty benefit

After three continuous years it provides an amount towards loss of income during sick leave without pay.

$500 per policy year

$100 per week.

No

Flu vaccination loyalty benefit

After three continuous years it covers cost for a flu vaccination.

$40 per policy
No

Free-look period

When you join us you get a 14-day free-look period. If you change your mind during this period, and haven’t submitted a claim for anyone covered on the policy, we’ll refund any premiums you’ve paid.

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