#CARE4U

Cost efficient cover, for the things you really need - get cover up to $1,000* collectively for dental, optical, GP costs, specialist & test, and complementary medical.

All pre-existing conditions are covered and you can get access to our wellbeing program for FREE

 

- What's covered? when can I claim? and How much?

#care4U-HCP

Dental Treatment

Includes dental examinations, x-rays, cleaning/polishing performed by a Dentist, Oral Surgeon or Dental Hygienist. Includes fillings and teeth extraction (excluding wisdom teeth) performed by a Dentist or Oral Surgeon.  Includes periodontic and endodontic treatment.

Crowns, dental implants and dentures are not included.  Veneers, gold fillings or other forms of cosmetic dentistry are not included. Orthodontic treatment is not included (refer Orthodontic Benefit).

Waiting period: 6 months

Benefit maximum: 50% up to $250
#care4U-HCP

Optical

Optometrist eye examinations, prescription glasses and contact lenses. 

Waiting period: 6 months

Benefit maximum: 50% up to $250
#care4U-HCP

Medical, Specialists and Tests

Prescription medicines and laboratory tests ($10 per item limit), GP visits, Specialist consultations and diagnostic tests including: X-rays, Ultrasound (not obstetric), mammograms, prostate checks, and skin checks (not mole mapping).  Ambulance fees.  Flu vaccinations (all other vaccinations excluded).

Waiting period: 3 months

Benefit maximum: 50% up to $250
#care4U-HCP

Complementary Medical 

Physiotherapy, chiropractic, osteopathy, podiatry, acupuncture, naturopathy, homeopathy, psychology, psychotherapy, counselling, drug and alcohol therapy, dietitian and nutritionist consultations, lymphoedema therapy, allergy testing and chelation therapy, audiology, occupational therapy, speech-language therapy, infertility/sterilisation.

Waiting period: 3 months

Benefit maximum: 50% up to $250
#care4U-HCP

A Personalised Health & Wellbeing Program

Get ongoing health & wellbeing advice, tailored to your age and situation - such as articles, videos and tips - as well as ongoing challenges that you can take yourself, or with family & friends. And whenever you take action to invest in your wellbeing - you can also earn points towards a range of exclusive 'wellbeing' discounts and rewards!

Click here to find out more

(***) See our policy document for more details

Can you afford NOT to be covered, get a quote today. 

#Care4U is only available to participating union members of NZEI, PPTA, PSA, TEU, TIASA & ISEA and their family members. So we hope you will take the time to consider making the most of these exclusive healthcare benefits and join HealthCarePlus, because better long-term outcomes, for all our eligible Union members is what we’re all about.

 

 

To compare to other day to day plans, please click here.

 

 
#care4U is underwritten by Union Medical Benefits Society Ltd (UniMed). Any cover issued in response to this application is subject to the terms and conditions contained in the relevant policy documentation and UniMed’s Conditions of Membership.
 

 

UniMed’s financial rating

A

Union Medical Benefits Society Limited (UniMed) has been given an A (Excellent) insurer financial rating by AM Best. AM Best's ratings are as follows: Secure: A++, A+ (Superior); A, A- (Excellent); B++, B+ (Good) Vulnerable: B, B- (Fair); C++, C+ (Marginal); C, C- (Weak); D (Poor); E (Under Regulatory Supervision); F (In Liquidation); S (Suspended).

 

 

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* Benefit amounts are compiled from a core health plan specifically contributing towards Dental treatment, Optical, GPs & Prescriptions and Complimentary Medical benefits e.g. Physiotherapy, Osteopathy and Chiropractic treatment. If your quote is for a couple or a family, the benefit figure is per annum, and covers each Adult on the plan. The benefits for children cover the children on the plan collectively.

Please note there are other plans namely Primary Care and Primary Care Extra that cover a much wider range of benefits and have significantly higher annual amounts that can be claimed.