Kids only health insurance
Gift your child, grandchild or dependent a health insurance policy without having to take one out yourself.
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
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Hospital and Surgical base plan
- General surgery
- Major diagnostic procedures
- Oral surgery
- Non-PHARMAC subsidised drugs
Optional plans
*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.
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.
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
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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. |
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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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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
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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. |
Non-PHARMAC subsised drugs are included in the general surgery or private hospital medical admission benefit. They are not a standalone benefit. |
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Best Doctors Provides access to the Best Doctors programme |
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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
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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
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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
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Diagnostic tests Covers the costs for tests and procedures such as x-rays, ultrasounds, ECGs, audiology and allergy testing. |
$5,000 per policy year
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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. |
$200 every three policy years
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Speech-language therapy loyalty benefit After three continuous years it covers the costs of speech-language therapy. |
$150 per policy year
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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.
