Full Hospital Cover that offers up to

$300,000* of surgery cover

(per admission per year)

Plus, cover for many pre-existing conditions after 3 years

Get a Quote

A Real Protection for the Unexpected

It is ideal if you are looking for comprehensive cover for major unexpected illnesses requiring surgery, hospitalisation, cancer treatment, and a wide range of specialist consultations, scans and tests. And it is designed to keep premiums affordable, and sustainable over time.

And a

Hospital Select Image-1



With our Hospital Select plan you can get:

  • Full hospital cover - that offers up to $300,000 of surgical cover (per person, per admission) across surgery and related consultations.
  • Cover many pre-existing conditions after a period of three years (^). This can be important if you have had health issues in the past and would like to have them covered in the future.
  • And if you are an existing Primary Care Plan Member, you can link your Hospital Select to your Membership, potentially reduce excess by up to the value of $500 in the event of a claim.

To find out more how much it costs for you and your family, please click the button below.Get a Quote

— What's covered? and how much?

Hospital Select

General Surgery

Covers the costs associated with surgical treatment, including surgeons’ and anaesthetists' fees, private hospital costs, intensive care, recovery nurse, post operative physiotherapy fees and emergency ambulance for hospital admission, surgically implanted protheses and laparoscopic disposables.

Benefit maximum: up to $300,000 per year

Hospital Select

Minor Surgery

If done by registered medical specialists and not requiring general anaesthetic, including preceding consultation and performed in specialist rooms. Otherwise lower limits apply.


Benefit maximum: up to $300,000 per year

Hospital Select

Oral Surgery

All Oral Surgery performed by a Registered Oral Surgeon excluding, under all benefit categories, the extraction or surgical removal of teeth, implantation of teeth or costs of titanium implants. Wisdom tooth extraction including the removal of un-erupted or impacted wisdom teeth, including all associated costs.

Benefit maximum: up to $300,000 per year

Hospital Select

Medical Hospitalisation

Cover is provided for Non Acute Medical Hospitalisation (Excludes Psychiatric /Geriatric) in a Licensed Private Hospital, on admission and under the care of a Registered Medical Practitioner.

Benefit maximum: up to $65,000 per year

Hospital Select

Post-op home nursing

Home Nursing by a Registered Nurse, following surgery in a Private Hospital on referral from a Registered Medical Practitioner.

Benefit maximum: up to $6,000 per year

Hospital Select

Hospital Cash Allowance

When admitted to Public Hospital for a full 24 hours or more. Child Benefit - 50% of above. (All injury admissions excluded)

Benefit maximum: up to $1,500 per year

Hospital Select



  • Consultations
  • X-rays
  • Mammograms
  • Ultrasounds

Entitlement period: Six months prior and six months after surgery (*)

Benefit maximum may apply

Hospital Select



  • CT Scan, MRI Scan & PET Scan
  • Cardioversion
  • Myocardial Perfusion Scan
  • Scintigraphy
  • Surgical imaging - colonoscopy and gastroscopy

Benefit maximum may apply

Hospital Select

Rewards for Loyalty

- Overseas surgery: a grant is payable of 75% of usual and customary charge for the identical procedure in New Zealand.

- Obesity surgery grant: a one-time grant is payable of 50% of actual costs up to the benefit limit. 

Benefits apply after five years' continuous membership in this plan.

Benefit maximums may apply 

Hospital Select

Cancer Care

Includes: Consultations (6 months prior and 6 months after surgery), Diagnostic tests, Surgery, Radiation oncology, and chemotherapy (included in this benefit is cover for Non-PHARMAC chemotherapy drugs that are Medsafe approved for the treatment of cancer, up to a maximum of $10,000 per annum.)

Benefit maximum may apply

Hospital Select

Waiver of Premium & Funeral grant

- Upon death by natural causes prior to age 60 of any member paying the adult contribution rate the surviving spouse and/or qualifying dependents named on the policy will receive two years free coverage at the benefit levels applying at the date of death.

- Upon death by natural causes prior to age 65 of any person on the policy a grant towards funeral costs is $2,400.

Hospital Select

A Personalised 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


(^) Pre-Existing Conditions Covered after 3 years 

As a bonus of joining the HealthCarePlus Hospital Select Plan, UniMed provides cover for many pre-existing conditions after you have been insured in the scheme for 3 years. As part of their offer they will provide details as to any conditions that they will provide cover for after 3 years and any serious medical condition that will be excluded for the life of the policy.

What is a pre-existing Condition?

  1.  A pre-existing condition is a health or medical condition that was in existence on or before the person’s Cover Start Date.
  2. At that time the person: 
  •  May have known about the condition; or
  •  May not have known about the condition, but did know of a health history or symptoms which could have indicated the possible existence of the condition to a medical practitioner. 

If any of these conditions are developed after joining the HCP Hospital plan they would be fully covered subject to the normal terms and conditions of the plan.

However, there are some pre-existing conditions that are permanently excluded for the life of the scheme; (Cardiovascular/vascular related conditions, Conditions that may result in the requirement for joint replacement surgery, musculoskeletal conditions including injuries, Cancer, Gynaecological disorders).


(*) See our policy document for more details

9 out of 10 Members said

"It's Good to belong"

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 claims process is so easy.

DB, Member since 2018 from Dunedin

I appreciate your efforts to be up-to-date with health trends and it seems that you endeavour to reach out to your clients, even if I just skim through at times! All positive, I feel trusted and fairly treated thank you.

MP, Member since 2016 from Christchurch

 I have an added sense of security knowing that there is some support available for medical costs at a reasonable premium. As a single person there may be times when I need a more expensive medical procedure that will affect me financially so Health Care insurance will be helpful if this occurs.

PS, Member since 2017 from Whakatane

 Really pleased I am able to have a cover that isn't too expensive while on one wage with two kids. When ringing, emailing and claiming I have always had fast, efficient and helpful communications with people.

C H, Upper Hutt, Member since 1998

Any claims I have made during the many years I have been a member, have been processed with efficiency and within a short time frame. My Health Care Representative has been excellent, and is always available and willing to explain and clarify any claim issues or concerns.

PB, Kerikeri, Member since 1993

I have been in the scheme since 1969 and followed it through all the various permutations since about 1986. It has served me well and enables me not to think twice about visiting the doctor if I should.

JR, Member since 1987, Auckland

The online process was easy to follow and the claim paid out quickly. I put a claim in generally twice a year. I use the online form and find it easy to use. Everything goes smoothly so I have not needed to make any further contact beyond the normal process.

SH, Member since 2017 from Hamilton

 Although I don't have a big policy, the everyday help with things like glasses is great. Ordinary doctors bills can become quite expensive if you or spouse have a run of poor health and getting some costs back os really helpful. The quick turn around for claims is appreciated too.

JH, Member since 2014 from Feilding