Real Value Back

More Support For The Healthcare Costs Members Face Most Often

Designed for you and your family to help reduce the cost of looking after your health. You can get 80% reimbursements across a wide range of healthcare treatment up to $7,900* cover per adult per year.

Healthcare Costs Add Up Faster Than You Think

Have you paid for any of these recently?
 
  • GP visits & prescriptions
  • Dental treatment
  • Glasses & eye exams
  • Physiotherapy
  • Specialist consultations
  • Tests & Scans

One on its own may not seem significant but when several arise throughout the year, the amount you spend can quickly add up.

They are all part of looking after your health and many people put off things because of the cost.

That's where Primary Care Max can help.

One of the biggest enhancements included in Primary Care Max is an increase in reimbursement rate from 50% to 80% for claims. But what could that actually mean when you pay for your next treatment or visit?

Let's look at a simple example, say your GP consultation cost you $78 and you checked that the claim will be covered by that benefit's yearly maximum:

Our Current Plans

A GP Consultation would be covered under the Medical, Specialists & Tests section of the plan.

With 50% reimbursement:

  • Amount reimbursed $39

  • Your "out of pocket" cost $39. 

Primary Care Max

A GP Consultation would be covered under the General Medical Costs section of the plan.

With 80% reimbursement:

  • Amount reimbursed $62.40
  • Your "out of pocket" cost $15.60.

With Primary Care Max that $78 GP consultation cost would be reduced to only $15.60 once that claim was reimbursed.

Could Primary Care Max Be Right For You?  Get a quote

Members value these plans

Our Primary Care Plans from UniMed are such an important part of Better Off Together, our union membership benefits program.

Every year, thousands of members just like you use their Primary Care Plans to help stay on top of their health and reduce these costs.  

Last year (Jan to Dec 2025), members received over $7 million back through their Primary Care Plans. 

OVER $7.1 MILLION PAID BACK TO MEMBERS LAST YEAR:

$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

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.

HealthCarePlus Member

I feel genuinely supported by my policy, which is really refreshing. Making claims is easy, and they are often promptly paid with no fuss.

HealthCarePlus 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 Member

Could Primary Care Max Be Right For You?  Get a quote

Primary Care Max

Want To See Exactly What's Covered?

You can get 80% reimbursements across a wide range of healthcare treatment up to $7,900* cover per adult per year.

We have other primary care plans, click here to compare them with the Primary Care Max Plan.

See what you can claim for, how much you can claim and when you can start claiming.

For full benefit details and UniMed's terms and conditions, please click here. 

Mental Health

80% up to $
1000 per year

Psychologist, psychotherapist, psychiatrist, counsellor

80% reimbursement of actual costs incurred up to $1000 per person per policy year or for all Insured Children collectively.

No-claiming period: Use Immediately

Medical (including GP visits)

80% up to $
500 per year

GP visits, Prescriptions, Lab tests 

80% reimbursement of actual costs incurred up to $500 per person per policy year or for all Insured Children collectively.

No-claiming period: Use Immediately

Dental

80% up to $
500 per year

Dental consultations and minor treatment

80% reimbursement of actual costs incurred up to $500 per person per policy year or for all Insured Children collectively.

No-claiming period: 2 months

Wisdom teeth extraction

80% up to $
500 per year

80% reimbursement of actual costs incurred up to $500 per person per policy year or for all Insured Children collectively.

No-claiming period: 6 months

Glasses and lenses

80% up to $
350 per year

80% reimbursement of actual costs incurred up to $350 per person per policy year or for all Insured Children collectively.

No-claiming period: 6 months

Eye examinations

80% up to $
50 per year

80% reimbursement of actual costs incurred up to $50 per person per policy year or for all Insured Children collectively.

No-claiming period: 6 months

Specialists

80% up to $
1000 per year

Specialist Consultations

80% reimbursement of actual costs
incurred up to $1,000 per person per policy year or for all Insured Children collectively.

No-claiming period: 3 months

Tests

80% up to $
1000 per year

Minor diagnostic investigations, including X-rays, ultrasound

80% reimbursement of actual costs
incurred up to $1,000 per person per policy year or for all Insured Children collectively.

No-claiming period: 3 months

Major Diagnostic Investigations

80% up to $
1000 per year

Includes Angiogram, CT scan (including myelogram), MRI scan, PET scan

80% reimbursement of actual costs incurred up to $1,000 per person per policy year or for all Insured Children collectively.

No-claiming period: 6 months

 

Health Screening

80% up to $
300 per year

Includes mammography, smear tests, bone density scan, prostate checks, skin check

80% reimbursement of actual costs
incurred up to $300 per person per policy year or for all Insured Children collectively.

No-claiming period: 24 months

Complementary Medical

80% up to $
600 per year

Includes physiotherapy, chiropractic, osteopathy, podiatry, chiropodiatry, acupuncture

80% reimbursement of actual costs incurred up to $600 per person per policy year or for all Insured Children collectively.

No-claiming period: 3 months

Hospital Treatment

80% up to $
1000 per year

80% reimbursement of actual costs incurred up to $1,000 per person per policy year or for all Insured Children collectively. Includes reimbursement of excess on eligible hospital cover policies ($500 maximum applies per claiming year**).

No-claiming period: 3 months 

 

Medical Appliance

80% up to $
400 per year

Specified items prescribed by a GP, specialist or hospital.

80% reimbursement of actual costs incurred up to $400 per person per policy year or for all Insured Children collectively.

No-claiming period: 3 months

 

Orthodontic Treatment

80% up to $
600 per year

80% reimbursement of actual costs incurred up to $600 per year for each Insured Child, up to a maximum of $1,800 for each Insured Child for the duration of their Membership.

No-claiming period: 12 months

Birth Grant

$
200

$200 for each live child born to a Member or their partner/ $200 for each child adopted by a Member or their partner

No-claiming period: 12 months

 

Bereavement Grant

$
1000

$1,000 on the death of an Insured Adult or Child (including still birth).

No-claiming period: 3 months

 

Bowel Screening Kit

One kit every three years

Children do not qualify for this benefit.

No-claiming period: 36 months

 

Could Primary Care Max Be Right For You?  Get a quote

Why HealthCarePlus?

HealthCarePlus is a trusted, union-owned, non-profit organization.

Established and owned by like-minded unions, HealthCarePlus is a not-for-profit/charitable society that has been supporting the union movement for over 60 years by providing services and member benefits to all eligible union members and their whānau.

We are committed to working with Member Unions to:

  • Add value to your union membership by offering everyday discounts & offers
  • Improve members health & wellbeing through education and access to services
  • Help members become more financially resilient through education and access to advice & solutions
  • Improve educational outcomes by offering annual individual learning grants and bigger group initiative grants

 

 
Terms and conditions
 
(*) This is the sum of selected benefit maximums included in the Primary Care Max plan and represents the maximum amount per year for each Insured Adult. The sum includes benefit maximums for Dental, Wisdom Teeth Extraction, Optical, GP, Specialists and Tests, Complementary Medical, Mental Health, Major Diagnostic Imaging, Hospital Treatment, and Medical Appliance. It does not include benefit maximums for health screening, hospital excess, orthodontic treatment, bereavement grant, birth grant, or bowel screening kit. Children’s benefits apply collectively to the children covered under the plan. 
 
Primary Care Max is underwritten and administered by Union Medical Benefits Society Limited (UniMed). Any cover issued in response to this application is subject to the relevant Health Plan document and UniMed’s Terms and Conditions.
 

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).