Medium and large businesses
Get your staff back to work quickly should they fall ill with one of our health insurance policies for businesses with 15 or more staff.
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.
Included in base plan
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Hospital and Surgical base plan
- General surgery
- Private hospital medical admission
- Non-PHARMAC chemotherapy drugs
- Accuro Virtual Clinic
Optional plans
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.
Included in base plan
-
Hospital and Surgical base plan
- General surgery
- Private hospital medical admission
- Accuro Virtual Clinic
Optional plans
Customisable cover
Choose a health insurance plan that suits your business and your staff. Start with our Hospital and Surgical base plans then customise your solution by adding one or more of our additional plans.
Included in base plan
Hospital and Surgical base plan
Get cover of up to $300,000 for surgery and up to $200,000 for private hospital medical admission.
| Benefits | StaffCare+ | StaffCare |
|---|---|---|
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Health check Active loyalty benefit After three continuous years it covers the costs for a health check performed by a GP, every three policy years. |
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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. |
$300,000 per policy year
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$200,000 per policy year
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Major diagnostic procedures Covers the costs for diagnostic procedures. |
$300,000 per policy year
Covers angiograms, MRI scans, CT scans, and endoscopies, with or without admission to a private hospital. |
Benefit limits apply per procedure
Angiogram – up to $3,500; MRI scan – up to $3,000; CAT or CT scan – up to $2,500; MP scan – up to $2,000 |
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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
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$100,000 per policy year
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Private hospital medical admission Covers the costs associated with admission to a private hospital for reasons other than surgery. |
$200,000 per policy year
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$65,000 per policy year
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Non-surgical cancer treatment Covers non-surgical cancer treatment including diagnostics, consultation or tests provided they relate to the condition treated in a private hospital. |
$65,000 per policy year
Non-surgical cancer treatment is included in the private hospital medical admission benefit. This is not a standalone benefit. |
$60,000 per policy year
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Non-PHARMAC chemotherapy drugs Covers the costs of accessing the most effective non-Pharmac approved chemotherapy drugs. |
$40,000 per policy year
Non-PHARMAC chemotherapy drugs is included in the private hospital medical admission benefit. This is not a standalone benefit. |
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Treatment outside of New Zealand Reimburses medically necessary surgical procedure(s) at an overseas hospital, when it is not available in New Zealand. |
$30,000 per policy year
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$10,000 per policy year
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Accuro Virtual Clinic Have your questions answered by the best medical experts. |
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Bowel screening Active loyalty benefit After three continuous years it covers a bowel screening kit, every three policy years. |
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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 | StaffCare+ | StaffCare |
|---|---|---|
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Specialist consultations Covers the costs for visits to specialists such as cardiologists, gynaecologists, orthopaedic surgeons and ear, nose and throat specialists. |
$5,000 per policy year
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$5,000 per policy year
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Diagnostic tests Covers the costs for tests and procedures such as x-rays, ultrasounds, ECGs, bone density scans, mammograms and allergy testing. |
$5,000 per policy year
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$5,000 per policy year
Diagnostic tests are included in the specialist consultation benefit. They are not a standalone benefit. |
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Mental health consultations Covers the costs for consultations with a psychiatrist or psychologist. |
$1000 per policy year
Mental health consultations are included in the specialist consultation benefit. They are not a standalone benefit. |
$1000 per policy year
Mental health consultations are included in the specialist consultation benefit. They are not a standalone benefit. |
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Pregnancy loyalty benefit After three continuous years it covers the costs of obstetric care during pregnancy. |
$2,000 per policy year
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Melanoma loyalty benefit After three continuous years it covers the costs for melanoma investigations, every three policy years. |
$200 every three policy years
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$200 every three policy years
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Optional plans
Dental and Optical plan
This plan is ideal if your employees make regular trips to their dentist or optometrist and covers 80% of the costs.
| Benefits | StaffCare+ | StaffCare |
|---|---|---|
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Dental cover Cover the cost for dental treatment such as dental checks, cleaning, scaling, teeth removal, X-rays, and fillings. |
$500 per policy year
80% of cost. |
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Optometrist or orthoptist consultations. Covers the cost for consultation with an optometrist or orthoptist |
$300 per policy year
80% of the cost up to $60 per visit. |
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Prescription glasses or contact lenses Covers the costs of the purchase of prescription glasses or contact lenses. |
$300 per policy year
80% of the cost. |
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Orthodontic loyalty benefit After three continuous years it covers the cost of orthodontic treatment. |
$750 per policy year
80% of the cost. |
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Optional plans
GP plan
A good choice if you frequently make visits to your doctor, especially for prescriptions.
| Benefits | StaffCare+ | StaffCare |
|---|---|---|
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GP visits Covers the costs of GP visits, including home and after-hours visits. |
$55 per visit
$70 per after-hours and home visit. |
$150 per policy year
$35 per visit |
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Registered nurse visits Covers the costs of practice nurse visits. |
$35 per visit
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$100 per policy year
$20 per visit. |
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Prescription drugs Covers the costs of prescription drugs. |
$400 per policy year
$20 per item |
$100 per policy year
$20 per item |
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Preventative loyalty benefit After three continuous years it covers the costs for a preventative mammogram or prostate check, every three policy years. |
$200 every three policy years
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Laboratory tests Covers the costs of laboratory tests. |
$80 per policy year
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Optional plans
Natural Health plan
Take a broad approach to your well being with an additional plan that covers treatments from osteopaths, natural therapists and nutritionists. Total cover is $800 per year.
| Benefits | StaffCare+ | StaffCare |
|---|---|---|
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Osteopath and chiropractor treatment Covers the costs for treatment by an osteopath and chiropractor. |
$240 per policy year per health practitioner
$45 per visit. A benefit maximum of $800 per policy year for all health practitioners applies. |
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Other health practitioners Treatment from health practitioners such as, physiotherapists, podiatrists, homeopaths, dietitians, acupuncturists, and nutritionists. |
$200 per policy year per health practitioner
$45 per visit. A benefit maximum of $800 per policy year for all health practitioners applies. |
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Sick leave loyalty benefit After three continuous years it provides an amount towards loss of income during sick leave without pay. |
$500 per policy year
$100 per week. |
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Flu vaccination loyalty benefit After three continuous years it covers cost for a flu vaccination. |
$40 per policy
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Why do employers insure their staff?
Safeguard your workplace against the impact of illness, increase productivity and become a preferred employer. Find out why health insurance is good for your staff and for your business.
