Last year, our members had been reimbursed over $7.1 million by Unimed for Primary Care plan claims:
$834,707 for Dental
$777,748 for Optical
$3,139,612 for Medical, Specialists and Tests
$987,770 for Complementary Medical
$334,657 for Hospital Treatment
$215,807 for Hospital Excess Reimbursement
$178,221 for Major Diagnostic Imaging
$88,237 for Medical Appliance
$51,488 for Orthodontic Treatment
$254,387 for Mental Health Consultation
$96,000 for Bereavement Grant
$19,000 for Birth Grant

Primary Care Extra

The most comprehensive ‘day-to-day’ plan available to Members  

 

Designed for you and your family to help reduce the cost of proactively looking after your health.  You can get reimbursements across a wide range of healthcare treatment including dental, optical, physiotherapy, GP's and other benefits.

  • up to $2,200* collectively for dental, optical, GP costs, specialist & test, and complementary medical.
  • up to $1000 towards the cost of private hospital treatment
  • up to $600 for Major Diagnostic Imaging
  • 3 fully funded sessions per year with a registered therapist of your choice through either Clearhead or 3 Big Things
  • "Sick Leave Without Pay" Grant
  • Plus additional "Active Benefits" included in your cover

Plus many more benefits from just $7.72** per week. All pre-existing conditions are covered and its quick and easy to join.

We have another primary care plan, click here to compare it with the Primary Care Extra Plan.

For full details on the terms and conditions, please click here.

Dental Treatment

Up to $
350 per year

Get reimbursed for the cost of essential treatments like exams, cleaning, x-rays, fillings, and extractions (excl. wisdom teeth).

No-claiming period: 6 months
Benefit maximum: 50% up to $350

Optical

Up to $
350 per year

Get help with the costs of optometrist eye examinations, prescription glasses and contact lenses.

No-claiming period: 6 months
Benefit maximum: 50% up to $350

GP visits, Specialists and Tests

Up to $
1000 per year

Get reimbursed for medical essentials like GP visits, specialist consultations, prescriptions, lab tests, X-rays, skin checks, and more.

No-claiming period: 3 months
Benefit maximum: 50% up to $1000

Complementary Medical

Up to $
500 per year

Get help with the costs of complementary treatments like counselling, acupuncture, dietitian consults, and more.

No-claiming period: 3 months
Benefit maximum: 50% up to $500

Hospital Treatment

Up to $
1000 per year

Get reimbursed for your private hospital treatment costs. Includes surgeon’s fee, anaesthetist’s fee and private hospital charges. Oral surgery is not included under this benefit.

No-claiming period: 50% up to a max of $1000pa.

Waiting period: 3 months

 

Major Diagnostic Imaging

Up to $
600 per year

Claim back on the costs of CT, MRI, CAT scans and angiograms.

No-claiming period: 6 months
Benefit maximum: 50% up to $600

 

Plus many more benefits from just $7.72** per week. Get a quote for Primary Care Extra now

Wellbeing Services

Additional Active Benefits

With all UniMed Primary Care Plans, you get access to these additional services at no additional cost designed to support your health and wellbeing, preventing illness, building resilience, and making it easier to take action when it matters most. Eligibility criteria applies.

  • Bowel Screening Kits

    Catch early signs of bowel cancer from home.

  • Flu Vaccinations

    Prevent seasonal illness with annual flu shots.

  • Skin Checks

    Detect skin cancer early and accurately with the SkinVision mobile app.

  • Nutrition Coaching

    One-on-one virtual sessions to help you build energy, manage weight, and stay on track.

  • Fitness Coaching

    One-on-one virtual sessions with fitness experts to understand your specific situation and your fitness goals.

  • Ask a GP

    Simple, non-urgent health questions answered by a New Zealand GP, usually within 1 business day.

  • Mental Wellbeing Support

    Support for reducing stress, improving sleep, and staying active.

  • GoodForYou

    A comprehensive online wellbeing program that provides tools and support to improve your health and wellbeing and rewards you for making healthier choices.

What our Members say

I've really enjoyed the wrap around service this health care provides. It was because of the generous offer to cover three therapy sessions as part of the well being newsletter that I signed myself up for therapy. I have continued after the three sessions and have been really appreciative that my psych sessions are partially covered. 

TR, Auckland, HealthCarePlus and UniMed Member

I found out about Clearhead which I've used and it's been great to have access to some free counselling. It is a great scheme and affordable.  Being able to claim half of Doctors fees and prescriptions is great.

KH from Wellington, HealthCarePlus and UniMed Member

Good value as covers a wide range of health expenses for health conditions that don't require surgery. Great that coverage has extended to people who are pro-active in maintaining their health (regular dental and vision checks, molemap).

JI from Lower Hutt, HealthCarePlus and UniMed Member

I've really enjoyed the wrap around service this health care provides. It was because of the generous offer to cover three therapy sessions as part of the well being newsletter that I signed myself up for therapy. I have continued after the three sessions and have been really appreciative that my psych sessions are partially covered. 

TR, Auckland, HealthCarePlus and UniMed Member

It's quick, easy and efficient - what a great team behind the scenes. Our family struggles with budgeting out of our pay packets, but with HealthCarePlus we don't hesitate in accessing health services when we need them as the UniMed claims process is so easy.

DB from Dunedin, HealthCarePlus and UniMed Member

Brilliant service. Love being able to file claims online and very quick to pay out. Feels like you are actually a company doing the best for their customers

AM from Whakatane, HealthCarePlus and UniMed Member

As a busy mum, I never focused on my own health and well-being, it was all about my kids.  I now have regular dental and chiro appointments and have gone to the doctors for the first time in years.  Really happy I made the decision to join

HealthCarePlus and UniMed Member

Easy to use online portal to upload documents. Claims are processed in a timely manner. When I've needed to talk to a human on the phone, they were super helpful and took their time to ensure I understood what they were explaining. Very clear and concise information

HealthCarePlus and UniMed Member

I feel genuinely supported by my policy, which is really refreshing in the world of insurance. Making claims is easy, and they are often promptly paid with no fuss. I wish all my insurance was like this!

HealthCarePlus and UniMed Member

More health Support

Protection against the high costs of surgery

Hospital Select

UniMed's Hospital Select Plan is designed to keep premiums affordable and sustainable over time, protecting your family against the high costs of surgery and helping you deal with unexpected medical issues faster. Earlier intervention means less time off work or wait times for surgery.

  • Hospital cover with unlimited cover for general surgery and oral surgery
  • Cover for many pre-existing conditions after you have been insured for three years.
  • Cover for Specialist consultations, test/investigations associated with surgery or hospital admission and cancer treatment including surgery, radiotherapy and chemotherapy.
Learn more

Get a Quote

Why HealthCarePlus?

HCP is a trusted, PSA-owned, non-profit organization with a 60-year history of supporting union members’ health and well-being and we believe this transition to Better Off Together ensures that we continue to deliver value to our members without losing focus on our primary mission of advocating for you.

The program is designed with your needs in mind, and we are confident that this new direction will offer more meaningful benefits in a way that aligns with the values of our Union.

As well as a growing range of everyday discounts,  HealthCarePlus  can connect you to partners who offer real, ongoing value both in the short term, and throughout your life - by supporting your physical, mental and financial health and wellbeing.

It’s value, with a purpose - that can extend to your whānau, and keep working right through life - even beyond your working years, and union membership.

UNIMED

UniMed is a not-for-profit, member-focused organisation that specializes in providing affordable health insurance and wellbeing services to all New Zealanders.

UniMed cares about keeping people well, helping them live happier, longer lives.  As a home-grown organisation they have a vested interest in supporting Aotearoa to becoming a healthy, resilient and thriving nation. UniMed has been covering Kiwi workers for more than 40 years, with over 100,000 people enjoying memberships with them.

Like HealthCarePlus, UniMed was established by Unions to provide its Members with health insurance benefits. UniMed’s ownership structure aligns with Members’ interests as there is an unwavering focus on making decisions in the best interests of Members, rather than profit. 

 

Terms and conditions
 
(*) Some dental costs might be excluded. This is one of the many benefits of the Primary Care Extra health insurance plan.
 
(^) This benefit figure is per annum and compiled from the Primary Care Extra Plan benefit maximums 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.
 
(**) This is the weekly premium paid by a single insured adult aged between 18 and 45, as at 01 April 2026. 
 
Primary Care Extra 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 (Excellent)

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).