Small businesses
Limit dips in productivity with affordable health insurance for businesses with fewer 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.
Included in base plan
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Hospital and Surgical base plan
- General surgery
- Private hospital medical admission
- Best Doctors
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 build a more holistic solution by adding one or more of our Additional plans.
Included in base plan
Hospital and Surgical base plan
Covers the larger expenses, including surgery and private hospital medical admission.
| Benefits | StaffCare |
|---|---|
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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. |
$200,000 per policy year
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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. |
$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. |
$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. |
$60,000 per policy year
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Major diagnostic procedures Covers the costs for diagnostic procedures. |
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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Treatment outside of New Zealand Reimburses medically necessary surgical procedure(s) at an overseas hospital, when it is not available in New Zealand. |
$10,000 per policy year
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Best Doctors Provides access to the Best Doctors programme |
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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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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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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 |
|---|---|
|
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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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
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. |
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Melanoma loyalty benefit After three continuous years it covers the costs for melanoma investigations, every three policy years. |
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Optional plans
GP plan
A good choice if you frequently make visits to your doctor, especially for prescriptions.
| Benefits | StaffCare |
|---|---|
|
GP visits Covers the costs of GP visits, including home and after-hours visits |
$150 per policy year
$35 per visit |
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Registered nurse visits Covers the costs of practice nurse visits. |
$100 per policy year
$20 per visit |
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Prescription drugs Covers the costs of prescription drugs. |
$100 per policy year
$20 per item |
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.
