Personal health insurance product information

Key benefit comparisons across our product range for personal health insurance. For full benefits and details, download our policy documents.

SmartCare

SmartCare provides comprehensive health insurance for people who want to take care of their wellbeing. It is a lower cost option to our top-rated SmartCare+ product, whilst retaining most of the key benefits.
The SmartCare range has been recommended by Consumer Magazine in every Health Insurance review since 2008, making it their most recommended health insurance product.

Key benefits

  • General surgery $300,000
  • Oral surgery $300,000
  • Cancer treatment $65,000

Learn more about SmartCare

SmartCare+

SmartCare+ is Accuro’s top rated individual product for those who make their health a top priority. The SmartCare range has been recommended by Consumer Magazine in every Health Insurance review since 2008, making it their most recommended health insurance product.

Key benefits

  • General surgery $500,000
  • Oral Surgery (including removal of wisdom teeth) $300,000
  • Non-PHARMAC subsidised drugs

Learn more about SmartCare+

SmartStay

SmartStay is the only health insurance product available in New Zealand to people who are coming to visit or work on a visa valid for less than 2 years*.
SmartStay gives you all the benefits that you expect from a quality health insurance product including cover for urgent treatment in hospital, and also gives you the option to add cover for GP and nurse consultations as well as prescription drugs and laboratory tests.

Key benefits

  • General surgery $150,000**
  • Oral surgery (including wisdom teeth removal) $150,000**
  • Cancer treatment $65,000

Learn more about SmartStay

*On a work or visitor visa between 3 months and two years. If you have cover under New Zealand's public health system, held a work visa for more than two years, or have obtained a visa for more than two years, then you are eligible for SmartCare.

**Per claim

KidSmart

KidSmart is Accuro’s product made especially for babies and children*. We are the only health insurer that offers a health insurance product designed specifically for their needs.
KidSmart allows a guardian to take out health insurance for their children, grandchildren or dependants without having to take out cover for themselves.

Key benefits

  • General surgery $500,000
  • Oral surgery (including wisdom teeth removal) $300,000
  • Non-PHARMAC subsidised drugs

Learn more about KidSmart

*Applies only to children who are New Zealand citizens or residents. Children can apply to KidSmart at any time before they turn 16.


Business health insurance

Future proofing the health of a business by making sure staff have quick access to medical care and treatment.

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.

Key benefits

  • General surgery $200,000
  • Oral surgery $100,000
  • Cancer treatment $60,000

Learn more about StaffCare

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.

Key benefits

  • General surgery $300,000
  • Oral surgery (including wisdom teeth removal) $300,000
  • Non-PHARMAC subsidised drugs

Learn more about StaffCare+


Small Business health insurance

See our option for businesses with less than 15 employees.

StaffCare

StaffCare for small businesses is for companies of between 5-14 staff who want quality comprehensive cover, value for money and ease of administration. Participants of this plan are underwritten for three years. Safeguard the health of your workforce and their families by including their spouse/partner, dependants/whāngai or parents.

Key benefits

  • General surgery $200,000
  • Oral surgery $100,000
  • Cancer treatment $60,000

Learn more about StaffCare

Group comparison summary

Download a visual summary sheet of our group products: