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Optio finance
Accuro health is the smartest health insurance plan around. To start with it's not for profit which
means profits go back into the product rather than the share holders. The plan also offers a very
flexible, modular approach from which you can add or remove options.
With SmartCare+ Hospital and Surgical base plan, you're covered for just about every cost
associated with hospital and surgical care. It means you can rest assured that you'll be well
looked after without having to worry about the costs of your care.
Here's an example of just some of the other benefits you get with your SmartCare+ Hospital and Surgical plan:
-General surgery of up to $300,000 per person per year including accommodation and physiotherapy in private hospital, and surgeons' and anaesthetists' fees.
-Oral surgery of up to $300,000 per person per year.
-Non-surgical hospital care of up to $200,000 per year (non-surgical cancer treatment is limited to a maximum of $25,000 per course of treatment, up to $65,000 per year)
-Non-Pharmac subsidised drugs are included within the benefit maximums that apply to the SmartCare+ Hospital and Surgical base plan.
-Major diagnostic procedures such as MRI, CT scans Angiograms and endoscopies.
-Specialist and diagnostic consultations before and after hospitalisation.
-Overseas treatment of up to $30,000 a year for necessary surgery.
-Overseas waiting list benefit available up to surgical and non-surgical benefit limits.
-Medical tourism benefit reimbursing up to 75% of reasonable cost up to surgical and non-surgical benefit limits.
-Bereavement grant of $10,000 if you or your partner dies from illness between the ages of 21 and 65.
Here's an example of just some of the other benefits you get with your SmartCare+ Hospital and Surgical plan:
-General surgery of up to $300,000 per person per year including accommodation and physiotherapy in private hospital, and surgeons' and anaesthetists' fees.
-Oral surgery of up to $300,000 per person per year.
-Non-surgical hospital care of up to $200,000 per year (non-surgical cancer treatment is limited to a maximum of $25,000 per course of treatment, up to $65,000 per year)
-Non-Pharmac subsidised drugs are included within the benefit maximums that apply to the SmartCare+ Hospital and Surgical base plan.
-Major diagnostic procedures such as MRI, CT scans Angiograms and endoscopies.
-Specialist and diagnostic consultations before and after hospitalisation.
-Overseas treatment of up to $30,000 a year for necessary surgery.
-Overseas waiting list benefit available up to surgical and non-surgical benefit limits.
-Medical tourism benefit reimbursing up to 75% of reasonable cost up to surgical and non-surgical benefit limits.
-Bereavement grant of $10,000 if you or your partner dies from illness between the ages of 21 and 65.
Smartcare Hospital and Surgical base plan
Specialist and Diagnostic
You can protect your health even further by adding Specialist plan to your Hospital and
Surgical base plan.
With the Specialist plan you're covered for up to $4,000 a year for the costs of visiting a registered specialist as well as another $4,000 for diagnostic tests referred by registered medical practitioners or specialists. There's no excess to pay for claims with our Specialist plan - and you are covered from day one.
With the Specialist plan you're covered for up to $4,000 a year for the costs of visiting a registered specialist as well as another $4,000 for diagnostic tests referred by registered medical practitioners or specialists. There's no excess to pay for claims with our Specialist plan - and you are covered from day one.
Dental and Optical Plan
Your eyes, teeth and gums are just important to your overall health. So with Dental and
Optical you're covered for the costs of dental and optical care.
Dental Care
You're covered for up to 80 per cent of the cost - up to $500 a year. Dental Care includes examination, cleaning, scaling, x-rays, fillings and teeth removal. Major oral surgeries are already covered under the Hospital and Surgical plan. Orthodontic treatments are covered after three years on Dental and Optical as a reward for your loyalty.
Orthodontic treatments in the first three years and orthognathic (maxillofacial) treatments are not included, although some of these treatments might be covered under your Hospital and Surgical plan.
Optical Care
You're covered for:
Optometrist and orthoptist visits of up to $60 a visit, up to $300 a year
Glasses and contact lenses when there's a change in prescription of up to $300 a year.
With Dental and Optical there's a stand-down of 90 days before a claim can be made but you won't pay any excess on claims.
Dental Care
You're covered for up to 80 per cent of the cost - up to $500 a year. Dental Care includes examination, cleaning, scaling, x-rays, fillings and teeth removal. Major oral surgeries are already covered under the Hospital and Surgical plan. Orthodontic treatments are covered after three years on Dental and Optical as a reward for your loyalty.
Orthodontic treatments in the first three years and orthognathic (maxillofacial) treatments are not included, although some of these treatments might be covered under your Hospital and Surgical plan.
Optical Care
You're covered for:
Optometrist and orthoptist visits of up to $60 a visit, up to $300 a year
Glasses and contact lenses when there's a change in prescription of up to $300 a year.
With Dental and Optical there's a stand-down of 90 days before a claim can be made but you won't pay any excess on claims.
GP Plan
If you'd like extra peace of mind in knowing that every aspect of your health costs is covered,
then you may like to add the GP plan to your health cover.
GP plan covers you for doctor and nurse visits, prescriptions as well as offering loyalty benefits like mammograms and prostate checks. The bonus is there's no limit on the number of times you can claim for doctor or nurse visits so there's no reason not to stay healthy.
Here are the benefits:
Visits to your doctor - up to $55 a visit.
Home visits by your doctor - up to $70 a visit.
After-hours visits to your doctor - up to $70 a visit.
Visits to a practice nurse - up to $35 a visit.
Prescriptions - up to $20 for each item, up to $400 a year.
Costs of lab tests - up to $80 a year.
Preventative mammograms and prostate checks - once every three years, up to $200 each time.
There's a 90 day stand-down before a claim can be made but you won't pay any excess on claims with GP plan.
GP plan covers you for doctor and nurse visits, prescriptions as well as offering loyalty benefits like mammograms and prostate checks. The bonus is there's no limit on the number of times you can claim for doctor or nurse visits so there's no reason not to stay healthy.
Here are the benefits:
Visits to your doctor - up to $55 a visit.
Home visits by your doctor - up to $70 a visit.
After-hours visits to your doctor - up to $70 a visit.
Visits to a practice nurse - up to $35 a visit.
Prescriptions - up to $20 for each item, up to $400 a year.
Costs of lab tests - up to $80 a year.
Preventative mammograms and prostate checks - once every three years, up to $200 each time.
There's a 90 day stand-down before a claim can be made but you won't pay any excess on claims with GP plan.
Natural Health plan
Our Natural Health plan covers you for treatments by other health practitioners, such as
Osteopaths, Natural therapists and Nutritionists. You can add the Natural Health plan
directly to your Hospital and Surgical plan.
With Natural Health you're covered for up to $800 a year (up to $45 each time) for visits to these health practitioners:
Osteopaths - up to $240 a year
Chiropractors - up to $240 a year
Physiotherapists - up to $200 a year
Dieticians and Nutritionists - up to $200 a year
Acupuncturists - up to $200 a year
Naturopaths, Homeopaths and Medical Herbalists - up to $200 a year
Reflexologists - up to $200 a year
Remedial Body Therapists - up to $200 a year
Nutritionalists - up to $200 a year
Podiatrists - up to $200 a year
You're also covered for a flu vaccination every year (up to $40). And after three years with a Natural Health plan, you're covered for sick leave without pay of $100 a week for up to five weeks each year. There's a stand-down of 90 days before a claim can be made but you won't pay any excess on claims.
With Natural Health you're covered for up to $800 a year (up to $45 each time) for visits to these health practitioners:
Osteopaths - up to $240 a year
Chiropractors - up to $240 a year
Physiotherapists - up to $200 a year
Dieticians and Nutritionists - up to $200 a year
Acupuncturists - up to $200 a year
Naturopaths, Homeopaths and Medical Herbalists - up to $200 a year
Reflexologists - up to $200 a year
Remedial Body Therapists - up to $200 a year
Nutritionalists - up to $200 a year
Podiatrists - up to $200 a year
You're also covered for a flu vaccination every year (up to $40). And after three years with a Natural Health plan, you're covered for sick leave without pay of $100 a week for up to five weeks each year. There's a stand-down of 90 days before a claim can be made but you won't pay any excess on claims.
Your health is the most important asset you have. But as non-residents of New Zealand,
you're probably not covered by our public health system if you get sick.
That's why we have a SmartStay health insurance plan especially for you. SmartStay covers you for just about every aspect of your health, including both urgent and non-urgent treatments. And you can upgrade to SmartStay Plus for extra cover for specialist and diagnostic consultations. What's more, there's no time limit for being covered by SmartStay. As long as you're in New Zealand, you're covered.
Here's just an example of some of the benefits you get with SmartStay:
General and oral surgery of up to $150,000 a claim, including accommodation and physiotherapy in a private hospital, and surgeons' and anaesthetists' fees.
Non-surgical hospital care of up to $65,000 a year, for instance non-surgical cancer treatment (up to $25,000 per course), and treatment for asthma and diabetes.
Major diagnostic procedures such as MRI and CT scans and angiograms.
Specialist and diagnostic consultations before and after hospitalisation.
Cover for minor surgery, travel and accommodation, physiotherapy, home nursing, speech therapy and much more...
You choose how much your excess will be - from $0 to $4,000 - so you're in total control. The greater the excess the lower the premium. Plus, there's no stand-down so you're covered from day one.
That's why we have a SmartStay health insurance plan especially for you. SmartStay covers you for just about every aspect of your health, including both urgent and non-urgent treatments. And you can upgrade to SmartStay Plus for extra cover for specialist and diagnostic consultations. What's more, there's no time limit for being covered by SmartStay. As long as you're in New Zealand, you're covered.
Here's just an example of some of the benefits you get with SmartStay:
General and oral surgery of up to $150,000 a claim, including accommodation and physiotherapy in a private hospital, and surgeons' and anaesthetists' fees.
Non-surgical hospital care of up to $65,000 a year, for instance non-surgical cancer treatment (up to $25,000 per course), and treatment for asthma and diabetes.
Major diagnostic procedures such as MRI and CT scans and angiograms.
Specialist and diagnostic consultations before and after hospitalisation.
Cover for minor surgery, travel and accommodation, physiotherapy, home nursing, speech therapy and much more...
You choose how much your excess will be - from $0 to $4,000 - so you're in total control. The greater the excess the lower the premium. Plus, there's no stand-down so you're covered from day one.
Smartstay (Non-Residents)