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.

Included in base plan

Optional plans

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

Customisable cover

Choose a health insurance plan that suits you, your family and your budget. Start with our Hospital and Surgical base plan then build a more holistic solution by adding one or more of our optional plans.

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Included in base plan

Hospital and Surgical base plan

Get cover of up to $500,000 for surgery and major diagnostic procedures such as angiograms, MRI and CT scans.

Benefits KidSmart

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.

$500,000 per policy year

Major diagnostic procedures

Covers the costs for diagnostic procedures such as angiograms, MRI scans, CT scans, and endoscopies, with or without admission to a private hospital.

$500,000 per policy year

Major diagnostic procedures are included in the general surgery benefit. They are not a standalone benefit.

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

Private hospital medical admission

Covers the costs associated with admission to a private hospital for reasons other than surgery, this includes chemotherapy and radiation therapy.

$300,000 per policy year

Non-PHARMAC subsidised drugs

Covers the cost of non-PHARMAC subsidised drugs when used in the general surgery or private hospital medical admission benefit, ie: surgery or cancer treatment.

Yes

Non-PHARMAC subsised drugs are included in the general surgery or private hospital medical admission benefit. They are not a standalone benefit.

Best Doctors

Provides access to the Best Doctors programme

Yes

Tongue/lip tie loyalty benefit

A one-off contribution after one year of continuous cover for the cost of releasing a tongue or lip tie.

$400

Screening loyalty benefit

After three continuous years it covers the costs for a visit with a registered audiologist, allergist, paediatrician or respiratory specialist, every three policy years.

$250 every three policy years

Exercise-based activity loyalty benefit

After three continuous years it provides a contribution towards exercise-based activity such as school or club sports fees, swimming or dance lessons.

$150 per policy year

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 KidSmart

Specialist consultations

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

$5,000 per policy year

Diagnostic tests

Covers the costs for tests and procedures such as x-rays, ultrasounds, ECGs, audiology and allergy testing.

$5,000 per policy year

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.

Melanoma loyalty benefit

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

$200 every three policy years

Speech-language therapy loyalty benefit

After three continuous years it covers the costs of speech-language therapy.

$150 per policy year

Orthodontic treatment loyalty benefit

After five continuous years it covers the costs for orthodontic treatment, such as consultations checks and the application and removal of braces.

$200 per policy year

This benefit can only be claimed for a maximum of three years.

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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