PRIMARY CARE

Affordable day-to-day health support - get cover up to $1,400* collectively for optical, medical specialist and test, and complementary medical.

All pre-existing conditions are covered and you can get excess reimbursement on
approved Hospital Cover policies ($500 maximum applies)**.

You are also eligible to register for our wellbeing program for FREE

 

- What's covered? When can I claim? and how much?

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Optical

Optometrist eye examinations, prescription glasses and contact lenses.

 

Waiting period: 6 months

Benefit maximum: 50% up to $250
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Medical, Specialists and Tests

GP visits, Specialist consultations and diagnostic tests including: X-rays, Ultrasound (not obstetric), mammograms & prostate checks, and skin checks (not mole mapping).

Waiting period: 3 months

Benefit maximum: 50% up to $750
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Major Diagnostic Imaging 

A contribution towards the cost of CT scans, MRI scans and Angiograms.

 

 

Waiting period: 6 months

Benefit maximum: 50% up to $600
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Hospital Treatment 

A contribution towards the cost of private hospital treatment. Includes surgeon’s fee, anaesthetist’s fee and private hospital charges. 

HealthCarePlus approved Hospital Cover policy excess reimbursement: excludes oral surgery

 

Waiting period: 3 months

Benefit maximum: 50% up to $700(^) & $500 maximum applies for excess reimbursement

                                    

 
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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 $400
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Medical Appliance 

Specified items prescribed by a GP, Specialist or Hospital. Includes: hearing aids, prosthesis (not related to surgery), toric and irlen lenses,  aids for the control of diabetes or lung disease, Epipens, CPAP Machine/Mask, compression stockings/sleeves, specially made footwear (excluding inserts for shoes provided by a podiatrist), baby monitor or any equipment for the disabled.

Waiting period: 3 months

Benefit maximum: 50% up to $400
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Orthodontic Treatment 

A contribution towards the cost of orthodontic consultations and treatment for Insured Children.

Waiting period: 12 months

Benefit maximum: 30% up to $750 per child ($1500 maximum for the duration of the subscriber's membership)
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Bereavement Grant

A lump sum payment on the death of an Insured Adult or Child (including still birth).

Waiting period: 3 months

Benefit maximum: $1000
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Birth Grant 

A lump sum payment for each live child born to a Subscriber or their partner; or for each child adopted by a Subscriber or their partner.

Waiting period: 12 months

Benefit maximum: $200
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Sick Leave Without Pay

Where the Subscriber is required to take sick leave without pay due to illness.

Waiting period: 12 months

Benefit maximum: $50 per week plus $5 per insured child up to $60 per week, for a maximum of 26 weeks.
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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!
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Mental Health Program

Get access for free everything that Clearhead offers through their platform and take a proactive approach to supporting their mental health through evidence-based self help digital tools, resources and timely access to therapists ensuring they can easily access the help they need - when they need it.

(^) See our policy document for more details

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

Primary Care Extra 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.

 

 
 
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Primary Care 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 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.

** The Primary Care plan can also be linked with an approved Hospital Cover policy to provide cover for expensive hospital treatment and take advantage of excess reimbursement ($500 maximum applies)