Relationship to the policyholder?
Have you smoked in the last 12 months?
Are you a New Zealand resident?
The person on the policy who has authority to make changes to the plans and people covered.
If you are a New Zealand resident or hold a working visa valid for 24 months or more, you are a New Zealand resident.
All members must have a base plan to select extras.
Thank you. This is a default message.
You changed Personal Details that affect your Health information. Please complete your Health information again.
You are being redirected to our underwriting application. This may take a few seconds. Please be patient.
Complete all personal details and health information to finish the application
This page tracks your application progress. Once you have completed all the actions (indicated with an orange exclamation mark), the finish application button will become available and will progress you to a simple declaration and payment information.
You can save at any time, and we will email you a link so you can return to complete your application later. You have only 30 days from the date of your quote to complete your application, after which you will need to start again. If you have any questions or require any assistance, please contact one of the Accuro team on firstname.lastname@example.org or 0800 222 876.
Please send me information via email rather than post if possible
Please provide at least one contact phone number
To be eligible to take out Accuro's SmartStay or SmartStay+ you must have a current New Zealand working visa.
Please read the conditions of this authority to accept direct debits.
Read direct debit terms & conditions
I confirm that I have authority over this bank account and accept the conditions of this authority to accept direct debit.
Will be setup to start five days after your health insurance commences unless you state a first payment date (please note this is subject to the time it could take to complete the processing of your application).
We will post you an invoice with your health insurance start-up pack that will need to be paid within 7 days.
If you have a preference please let us know otherwise we will start payments five days after issuing your policy. Please note: your first payment date cannot be after the 28th of the month.
Thank you for completing a quote with Accuro Health Insurance. This quote will be valid for 30 days. If you wish to continue, make sure that you complete your application by XX MONTH 20XX.
Please note that if you have a birthday before your policy is issued, the pricing will be affected.
We have sent you an email with a link back to your quote. To return, simply click the link in the email and you can continue editing. You can save and return to your quote as many times as you need.
If you have any questions or require any assistance, please contact one of the Accuro team on email@example.com or 0800 222 876. We are happy to help.
Thank you for starting an application with Accuro Health Insurance - This application will be valid for 30 days from Fri Sep 04 2015. Please make sure that you complete your application by XX MONTH 20XX.
Please note that if you have a birthday before your policy is issued the pricing will be affected.
We will send you an email containing a link to your application so you can return to it when you are ready to continue.
If you have any questions please feel free to call us on 0800 ACCURO (0800 222 876) or contact us via email at firstname.lastname@example.org
Thank you for completing your application, by choosing [productName] you are on your way to making sure you have the protection of health insurance with Accuro.
Shortly you will receive an email outlining what happens next.
For security purposes please enter the email address you used when saving this quote/application.
Thank you for completing a quote with Accuro Health Insurance. This quote will be valid for 30 days. If you wish to continue, make sure that you complete your application by XX MONTH 20XX.Please note that if you have a birthday before your policy is issued, the pricing will be affected.
You'll continue to the application summary page where you'll need to complete personal details and health information for each person on your policy. We'll also email a unique web page link so you can come back at any time to complete the application where you left off.
I'm happy to receive general news and updates from Accuro
KidSmart provides for insurance cover for children, without the child being attached to an adult's policy.
You can help your little ones get the treatment they need when they need it - from just $24 a month.
A special policy designed just for kids
Quick access to health covered by our private hospital benefits
Free cover for babies up to six months old
Pay for no more than two children on the policy
Our SmartCare plans provide insurance for individuals and families.
Nothing is more important than your health. Without your health, your lifestyle and earning ability can be impacted. Much of the emotional and financial burden of an illness can be avoided by protecting yourself and your loved ones with health insurance.
You are about to leave the Accuro website to go to the iUnderwrite site.
Both sites are secure. After filling in the questions, you will return to this page. See you soon!
You are about to change something which will require you to go back to the iUnderwrite site to answer the health questions.
Do you want to do this?
You have already completed this section. There is no need to do it again.
Text about why you have to choose ALL Residents or ALL Non-Residents
You have two options for completing your child's health information which tells us about any pre-existing conditions. You can complete either the medical records section or the health questionnaire section.
1. Medical records
Obtain and upload to your application your child's full medical records (from birth to present). You will then only need to answer two three quick questions and you are done. This provides you with peace of mind knowing that you have provided Accuro with all of your child's medical history, and when it comes to claiming, you won't need to provide us a medical report about the condition you are claiming for.
2. Health questionnaire
You will be asked 19 yes/no health questions. For each yes, you will need to complete detailed information about the condition.
Your health information is passed to Accuro via a secure network and will only be used for underwriting your initial application and at claim time. Your health information will be retained throughout the extent of your membership and for the six years that follow, which is our legal obligation.
What are pre-existing conditions?
A pre-existing condition is any sign, symptom, health condition or health event that happened before you started your policy with us.
Health insurance provides cover for health issues that occur after your policy begins. Don't be concerned if you already have a medical condition. You will just need to provide us with as much information as possible in your application.
Only pre-existing conditions that have been declared on the application form and specifically accepted by Accuro Health Insurance will be covered. This is assessed in a process called underwriting.
Any pre-existing conditions not covered by Accuro will be listed on your membership certificate.
What is underwriting?
Underwriting is the process of assessing the information you provide about any existing or past health conditions, symptoms or signs. Depending on this information, our underwriting team may request additional details regarding your medical history with respect to any pre-existing conditions and exclude these from your policy.
It is very important that you tell us about any health conditions or potential health conditions when you are filling out your application.
This will remove your medical records document. If you decide to do this, you can then complete the health questionnaire instead
Cut and paste this text to your computer
Choose multiple files to upload from your computer
I, the person applying for this Accuro Health Insurance policy confirm that I:
Privacy Act 1993 and Health Information Privacy Code 1994
Each person applying for this Accuro Health Insurance plan should please note the following:
I acknowledge the information provided in this declaration, including in relation to my/our privacy, and accept the terms and conditions (including the limitations and exclusions) of the policy, including Accuro Health Insurance General Policy Terms and Conditions.
Please be aware that you are required to advise Accuro Health Insurance of any new signs/symptoms or health condition for any applicant that arises between the date you sign the application form and the date the policy commences.
Financial strength rating
Acurro has achieved a B (Stable) AM Best financial strength rating.
For more rating information visit www.ambest.com/ratings/guide.pdf
The rating scale is: A++, A (Superior), A, A- (Excellent), B++, B+ (Good), B, B-(Fair), C++, C+ (Marginal), C, C- (Weak), D (Poor), E (Under Regulatory Supervision), F (In Liquidation), S (Suspended)
Are you sure you want to permanently delete this member from the policy?
(a) Will not initiate a direct debit on my/our account unless authorisation is received from me/us in accordance with the terms and conditions agreed between me/us and the Initiator of each amount to be debited from my/our account.
(b) Has agreed to send notice of the net amount of each direct debit and the due date of debiting after receiving authorisation from me/us under clause 1 (a) but no later than the date the direct debit will be initiated. This notice must be provided in writing (including by electronic means and SMS where the Customer has provided prior written consent (including by electronic means including SMS) to communicate electronically). The notice will include the following message: 'The amount $''' was directly debited to your Bank account on (initiating date).'
(a) Has agreed to give advance notice of the net amount of each direct debit and the due date of the debiting at least 10 calendar days (but not more than two calendar months) before the date when the direct debit will be initiated. This notice will be provided in writing (including by electronic means and SMS where the Customer has provided prior written consent (including by electronic means including SMS) to communicate electronically). The advance notice will include the following message: 'Unless advice to the contrary is received from you by (date*), the amount of $''' will be directly debited to your account on (initiating date).' * This date will be at least two (2) days prior to the initiating date to allow for amendment of direct debits.
(b) May, upon the relationship that gave rise to this Authority being terminated, give notice to the Bank that no further direct debits are to be initiated under the Authority. Upon receipt of such notice, the Bank may terminate this Authority as to future payments by notice in writing to me/us.
(c) May, upon receiving written notice (dated after the date of this Authority) from a bank to which I/we have transferred my/our Bank account, initiate direct debits in reliance of that written notice and this Authority from the account identified in the written notice.
(a) At any time, terminate this Authority as to future payments by giving written notice of termination to the Bank and to the Initiator.
(b) Stop payment of any direct debit to be initiated under this Authority by the Initiator by giving written notice to the Bank prior to the direct debit being paid by the Bank.
(c) Where a variation to the amount agreed between the Initiator and the Customer from time to time to be direct debited has been made without notice being given in terms of 1(a) above, request the Bank to reverse or alter any such direct debit initiated by the Initiator by debiting the amount of the reversal or alteration of the direct debit back to the Initiator through the Initiator's Bank, PROVIDED such request is made not more than 120 days from the date when the direct debit was debited to my/our account.
(a) This Authority will remain in full force and effect in respect of all direct debits passed to my/our account in good faith notwithstanding my/our death, bankruptcy or other revocation of this Authority until actual notice of such event is received by the Bank.
(b) In any event this Authority is subject to any arrangement now or hereafter existing between me/us and the Bank in relation to my/our account.
(c) Any dispute as to the correctness or validity of an amount debited to my/our account shall not be the concern of the Bank except in so far as the direct debit has not been paid in accordance with this Authority. Any other disputes lies between me/us and the Initiator.
(d) Where the Bank has used reasonable care and skill in acting in accordance with this Authority, the Bank accepts no responsibility or liability in respect of:
(e) The Bank is not responsible for, or under any liability in respect of the Initiator's failure to give notice in accordance with 1(a) nor for the non-receipt or late receipt of notice by me/us for any reason whatsoever. In any such situation, the dispute lies between me/us and the Initiator.
(a) In its absolute discretion conclusively determine the order of priority of payment by it of any monies pursuant to this or any other Authority, cheque or draft properly signed by me/us and given to or drawn on the Bank.
(b) At any time terminate this Authority as to future payments by notice in writing to me/us.
(c) Charge its current fees for this service in force from time to time.