Work visa holders
Get cover with SmartStay, New Zealand’s only health insurance product for people here on a visa for less than two years.
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.
Included in base plan
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Hospital and Surgical base plan
- General surgery
- Private or public hospital medical admission
- Oral surgery
- Accuro Virtual Clinic
Optional plans
*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
The New Zealand medical system
The New Zealand health care system has three main components: ACC, the public system and the private system. They are designed to work together. It's important to know what you are eligible for and for what you aren't covered.
Included in base plan
Hospital and Surgical base plan
Get cover of up to $150,000 for general surgery, $65,000 for hospital admission and $150,000 for oral surgery.
| Benefits | SmartStay |
|---|---|
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General surgery Covers the costs associated with surgical treatment, including private or public hospital costs, surgeons’ and anaesthetists' fees, and specialist consultations and tests that occur in the year before and after the surgery. |
$150,000 per claim
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Private or public hospital medical admission Covers the costs associated with admission to a private or public hospital for reasons other than surgery, such as non-surgical cancer treatment, respiratory or endocrine disease. |
$65,000 per policy year
$25,000 maximum per course of treatment for non-surgical cancer treatment. |
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Major diagnostic procedures Covers the costs of angiograms, MRI scans, CAT/CT scans, and MP scans up to their individual limits |
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Oral surgery Covers the cost of oral surgeries, such as the removal of impacted or unerupted teeth (after 12 months), abscesses, cysts, soft tissue swellings and other medical (not dental) conditions of the mouth. |
$150,000 per claim
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Accuro Virtual Clinic Have your questions answered by the best medical experts. |
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Minor surgery Covers the costs for minor surgery performed by a GP, such as the removal of moles, cysts and toenails. |
$500 per claim
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Treatment outside New Zealand Reimburses medical costs for a medically necessary surgical procedure that cannot be performed in New Zealand so has to be performed in a hospital overseas. |
$25,000 per policy year
Travel and accommodation expenses are not covered. |
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Dependants Add dependants (children) onto your policy and they can remain on your policy until 25 years of age. Parents and spouses can also be added to your policy. |
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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 | SmartStay |
|---|---|
|
Specialist consultations and diagnostic tests Covers the costs for visits to specialists such as cardiologists, gynaecologists and gastroenterologists, and diagnostic procedures like x-rays, ultrasounds, bone density scans, and mammograms. |
$4,000 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 and diagnostic tests benefit. They are not a standalone benefit. |
Optional plans
GP Plan
For more frequent healthcare costs such as doctor and nurse visits, lab tests and prescriptions.
| Benefits | SmartStay |
|---|---|
|
GP and nurse visits Covers the costs of GP visits, including home and after-hours visits, and registered nurse visits. |
$80 per visit
$500 per policy year. |
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Laboratory tests Covers the cost of laboratory tests. |
$100 per policy year
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Prescription drugs Covers the costs of prescription drugs. |
$20 per item
$300 per year. |
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.
