SmartStay Non Resident Health Insurance | Accuro NZ


Nothing is more important than your health. At Accuro, we believe your health is the most important asset you have. As a non-resident of New Zealand, you’re probably not covered by the public health system if you get sick. That’s why we have created SmartStay health insurance especially for you. With SmartStay, you get the highest quality of care when you need it, regardless of where you’re from. What’s more, there’s no time limit for being covered by SmartStay. At Accuro, we have been providing our members with access to private medical treatment since 1971. For over 40 years, we’ve built up a wealth of experience and understanding of what our members need. This is reflected in the market-leading flexibility of our products.



With SmartStay, you are covered for just about every cost associated with hospital and surgical care, even oral surgery. You can also choose your policy excess, which can help bring down the cost of premiums to fit within your budget. You are eligible to be covered under SmartStay if you are in New Zealand and have a work visa. Your family can also be covered – all they need is a New Zealand visitor visa. The SmartStay plan covers you for the larger expenses, including surgery (an operation or procedure to treat a disease or an illness) and private medical admission (treatment in a private hospital without the need for surgery). The plan also provides a range of excess options from $0–$4,000, which can help bring down the cost of premiums to fit within your budget.



General surgery

You are covered for procedures including private or public hospital costs, surgeons’ fees, pre-operative and postoperative diagnostics, consultations and tests up to $150,000 per claim.

Non-surgical cancer treatment

If you are diagnosed with cancer, you will be covered up to $25,000 per course of treatment, up to $65,000 per person per policy year.

Private or public hospital admission

If you require admission to a private or public hospital but do not require surgery, you are covered up to $65,000 per person per policy year. These costs include diagnostics, consultations and tests within six months of admission to a private hospital.

Parental support

If your child is listed on the membership certificate and is in need of care, we assist you with a parent accommodation benefit.

Treatment outside New Zealand

With our SmartStay plan, you are covered up to $25,000 per person per policy year for the costs of a medically necessary and recognised surgical procedure at an overseas hospital.

Major diagnostic procedures

You are covered for major diagnostic procedures such as angiograms, endoscopies, MRI scans, CT scans and/or MP scans, with or without admission to a private or public hospital. See the policy document for the exact limit per procedure.

Dependant cover

Dependant premium rates are applicable for dependants up to the age of 25.


Other terms and conditions apply. Please see the full policy document for more details.