Product information at a glance
We're a 100% percent New Zealand-owned, not for profit health insurance co-operative. We've been providing our members with comprehensive, flexible, affordable, and accessible health insurance since 1971.
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.
Key benefits
- General surgery $300,000
- Oral surgery $300,000
- Cancer treatment $65,000
SmartCare+
SmartCare+ is Accuro’s top rated individual product for those who make their health a top priority.
Key benefits
- General surgery $500,000
- Oral Surgery $300,000
- Non-PHARMAC subsidised drugs
SmartStay
SmartStay is the only New Zealand health insurance product for 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
*On a work or visitor visa between 3 months and two years. If you have cover under New Zealand's public health system then you are eligible for our SmartCare range. This usually happens when you have held a work visa or visas for more than two years.
**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
*Applies only to children who are New Zealand citizens or residents. Children can apply to KidSmart at any time before they turn 18 years old.
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
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
StaffStay
StaffStay is the only group health insurance product in New Zealand that will cover staff on work visas for both public and private healthcare.
StaffStay includes cover for pre-existing conditions and 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
- $150,000 General Surgery (per surgery)
- $150,000 Oral Surgery (per surgery)
- $65,000 Hospital Admission
Pre-existing cover from the start for groups of 15 or more staff, and after 3 years of cover for groups of 5-14 staff.
For full limits and terms and conditions relating to cover and the Group Scheme, please refer to the policy document and Group Contract. Group Contracts are offered at Accuro’s discretion.
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
Group comparison summary
Download a visual summary sheet of our group products: