New Zealand citizens and residents
Make sure you and your family stay healthy with our SmartCare range, our top rated products.
SmartCare+
SmartCare+ is Accuro’s top rated individual product for those who make their health a top priority.
Included in base plan
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Hospital and Surgical base plan
- General surgery
- Private hospital medical admission
- Non-PHARMAC subsidised drugs
- Accuro Virtual Clinic
Optional plans
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.
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 policy that suits you, your family and your budget. Start with our Hospital and Surgical base plan 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 $500,000 for surgery and up to $300,000 for private medical admission.
| Benefits | SmartCare+ | SmartCare |
|---|---|---|
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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. |
$500,000 per policy year
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$300,000 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. |
$300,000 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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$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
|
$200,000 per policy year
$65,000 maximum per policy year for non-surgical cancer treatment. |
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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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Cover while in Australia Reimburses medical costs for non-acute medical conditions incurred and treated in Australia. |
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Funeral support grant Provides a lump sum if a member or participant dies from illness before the age of 66 years. |
$10,000
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$2,500
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Accuro Virtual Clinic Have your questions answered by the best medical experts. |
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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. |
$150 every three policy years
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$150 every three policy years
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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 | SmartCare+ | SmartCare |
|---|---|---|
|
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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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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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
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Screening loyalty benefit After three continuous years it covers the costs for a mammogram or prostate check, every three policy years. |
$250 every three policy years
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$250 every three policy years
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Pregnancy loyalty benefit After three continuous years it covers the costs of obstetric care during pregnancy (and infertility for SmartCare+) |
$2,000 every policy year
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$1000 every 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
Save money and maintain your dental and optical health with regular visits to your dentist or optometrist. This plan is especially useful if you already have corrective eyewear.
| Benefits | SmartCare+ | SmartCare |
|---|---|---|
|
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 the cost. |
$500 per policy year
80% of the 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. |
$300 per policy year
80% of the cost. |
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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 up to $60 per visit. |
$300 per policy year
80% of the cost up to $60 per visit. |
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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. |
$750 per policy year
80% of the cost. |
Optional plans
GP plan
A good choice if you make frequent make visits to your doctor, especially for prescriptions.
| Benefits | SmartCare+ | SmartCare |
|---|---|---|
|
GP visits Covers the costs of GP visits, including home and after-hours visits. |
$55 per visit
$70 per after-hours and home visit. |
$55 per visit
$70 per after-hours and home visit. |
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Prescription drugs Covers the costs of prescription drugs. |
$20 per item
Up to $400 per policy year. |
$20 per item
Up to $400 per policy year. |
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Registered nurse visits Covers the costs of practice nurse visits. |
$35 per visit
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$35 per visit
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Laboratory tests Covers the costs of laboratory tests. |
$80 per policy year
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$80 per policy year
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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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$200 every three policy years
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Optional plans
Natural Health plan
Take a more holistic approach to your wellbeing with an additional plan that covers treatments from osteopaths, natural therapists and nutritionists.
| Benefits | SmartCare+ | SmartCare |
|---|---|---|
|
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. |
$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. |
$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. |
$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 year
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$40 per policy year
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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.
