PRIMARY CARE EXTRA

Our most comprehensive ‘day-to-day’ package - get cover up to $2,200* collectively for dental, optical, GP costs, specialist & test, mole mapping, vaccinations and complementary medical.

All pre-existing conditions are covered and you can get three fully-funded mental health and wellbeing sessions

with Clearhead through to 31 December 2022. 

 

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

PrimaryCarPlus

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 $350
PrimaryCarPlus

Medical, Specialists and Tests

Prescription medicines and laboratory tests ($20 per item limit), GP visits, Specialist consultations and diagnostic tests including: X-rays, Ultrasound (not obstetric), mammograms, prostate checks, and skin checks. Mole Mapping is included. Ambulance fees. Travel/consultations, Flu vaccinations and other vaccinations are included (subject to a Sub-limit of 50% reimbursement of actual costs incurred up to $100 per Calendar Year).

Waiting period: 3 months

Benefit maximum: 50% up to $1000

 
PrimaryCarPlus

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 $500
PrimaryCarPlus

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

 
PrimaryCarPlus

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 $1000 & $500 maximum applies for excess reimbursement
PrimaryCarPlus

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)
PrimaryCarPlus

Optical

Optometrist eye examinations, prescription glasses and contact lenses. 

 

Waiting period: 6 months

Benefit maximum: 50% up to $350
PrimaryCarPlus

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
PrimaryCarPlus

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.
PrimaryCarPlus

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
PrimaryCarPlus

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
PrimaryCarPlus

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. 

Click here to find out more

 

(***) 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 with other day to day plans, please click here.

 

 

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

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.

** Premium for a single insured adult aged up to 45 years in Primary Care Extra. Premiums vary by age and are effective as of 1 April 2022.

*** The Primary Care Extra 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).