Union Medical Benefits Society Limited

At UniMed, we appreciate health insurance plans can be confusing and misleading, so here is a quick overview of our different types of health cover, so you can work out what best suits you.

These are the plans new members can buy today. If you are already insured with UniMed and you don’t see your plan below, please contact us for assistance.

Health Positive

COVER TOWARDS EVERYDAY HEALTH COSTS

Health Positive provides a choice of 50% or 80% reimbursement for a wide range of everyday health costs up to annual limits. There’s no cover for surgery and stand down periods apply before you can claim. Health Positive is ideal for people who wish to buy a health plan to support them in remaining healthy.

Health Positive

UP TO $7,000* OF BENEFITS EACH YEAR, FROM $5.37 PER WEEK**

Health Positive is ideal if you are looking for a plan to support your good health.

It provides an affordable choice of 50% or 80% reimbursement for a wide range of everyday health costs. It helps you manage those regular health bills that can really mount up. It is a simple idea and we have made it easy for you to join.

  • 50% or 80% reimbursement of actual health costs up to $7,500 per year
  • A wide range of health benefits you can use including dental and vision care
  • Pre-existing medical conditions are covered ***
  • Waiting periods apply
  • Helps you manage your regular health bills
  • Easy to join – no complicated medical forms to complete
How much cover is included?

50% or 80% reimbursement of the eligible treatment costs up to the stated maximums, subject to waiting periods and the policy terms and conditions.  Please refer to the Health Positive benefit sheet for details of the cover available.

What treatments are covered?
Love your smile
  • Routine examinations
  • Wisdom teeth extraction
  • Orthodontics
Better vision
  • Prescription glasses or contact lenses
  • Routine eye test
Good health
  • Physiotherapy
  • Chiropractor
  • Podiatry
  • Homeopathy
  • Acupuncture
  • Massage therapist
  • Dietician
Doctor visits
  • GP consultations
  • Pharmac prescriptions
  • Minor surgery by a GP
Extra care
  • Specialist consultations
  • Diagnostic investigations
Rewards for loyalty
  • Healthcare screening
  • Childbirth grant

UniCare Advantage

COVERS A WIDE RANGE OF HEALTH COSTS INCLUDING 80% OF ELIGIBLE SURGERY COSTS

UniCare Advantage provides a contribution towards some everyday health costs to keep you healthy or if you need to see a specialist or to have diagnostic tests. Surgery costs are reimbursed at 80% of actual costs up to $100,000 per admission.

UniCare Advantage

AN AFFORDABLE WAY TO ACCESS A WIDE RANGE OF HEALTH BENEFITS

UniCare Advantage is ideal if you are in good health but realise that sometimes things can go wrong.  Paying for routine health treatment can really mount up and an unexpected serious health issue may require specialised care.

UniCare Advantage provides cover for a wide range of health treatments from serious health events requiring surgery or hospitalisation to every day health. Premiums are kept affordable by enabling members to contribute towards the cost of their care. This means that UniCare Advantage offers very good value for money.

  • 80% reimbursement of the usual and customary costs of surgery up to $100,000 per admission,
  • Specialist Consultations and Tests/Imaging,
  • Cover is available for cancer treatment,
  • GPs, Prescriptions and Laboratory Tests,
  • Physiotherapist, Osteopath, Podiatrist,
  • Benefits for loyal members,
  • Ideal entry point for employers considering a subsidy for their staff,
  • A great plan for families as it includes benefits that cover a range of age groups and health needs.
What treatments are covered?
Surgery
  • 80% up to $100,000 per admission
  • Cardiac surgery
  • Cancer surgery
  • Oral surgery
Specialist Care
  • Specialist Consultations
  • Imaging
  • Cancer Care
  • Minor surgery
Medical
  • GPs
  • Prescriptions
  • Laboratory Tests
  • Physiotherapist
  • Osteopath
  • Podiatrist
  • Audiology
Rewards for loyalty
  • Chiropractor
  • Obstetrics
  • Obesity surgery and Overseas Treatment
  • Psychiatric Consultations

Hospital Select

OUR MOST EXTENSIVE PLAN, HOSPITAL SELECT OFFERS A MODULAR STRUCTURE AND COVERS ELIGIBLE SURGERY IN FULL

The security of full cover for eligible surgical procedures up to $300,000 per admission and related specialist consultations and diagnostics pre and post surgery (time frames apply). Excess options can be chosen to reduce premiums. A range of optional modules allow cover to be expanded to include everyday health costs, non-surgery related specialist consultations and diagnostics, natural healthcare, dental and vision expenses.

Hospital Select

WHY CHOOSE IT?

Hospital Select is ideal if you are looking for a plan that provides our most comprehensive cover for major unexpected illnesses requiring surgery or hospitalisation.  It can also help you to manage your regular health bills through great options like day to day treatment, dental and vision care, specialist and natural health.

This flexibility means Hospital Select is a great choice for employers who can elect to subsidise the base plan. Employees can then add family members and choose additional cover building a health plan to best suit their needs.

Hospital Select also works very well for people who are not part of a group scheme and want cover for major unexpected health costs plus options to help pay for routine health treatments.

  • 100% reimbursement of eligible surgical costs up to $300,000* per year.
  • Specialist consultations and test/investigations associated with surgery or hospital admission.
  • Cover is available for cancer treatment including surgery, radiotherapy and chemotherapy (including Non-Pharmac funded chemotherapy administered while in hospital*).
  • Loyalty benefits including overseas surgery, obesity surgery, and sterilisation procedures.
  • Additional cover is available (when selected) for Specialist consultations and tests/investigations that do not result in surgery or hospital admission.
  • A wide range of additional options including day to day treatment, dental and vision and natural health.
Hospital Select (Base plan)
Surgery
  • Up to $300,000 cover
  • Oral surgery
  • Minor surgery by a GP up to $500
Cancer care
  • Consultations
  • Diagnostic tests
  • Surgery
  • Radiation oncology
  • Chemotherapy
Imaging
  • CT
  • MRI
  • PET and other high tech imaging
  • Surgical imaging – colonoscopy and gastroscopy
  • Contribution towards surveillance colonoscopy/gastroscopy
Specialists/Tests
  • Consultations
  • X-Rays
  • Mammography
  • Ultrasound (6 months before and after surgery)
Rewards for loyalty
  • Sterilisation procedures
  • Overseas surgery
  • Obesity surgery grant

Get in touch with Union Medical Benefits Society Limited

Level 3
165 Gloucester Street
PO Box 1721
Christchurch 8140

Email:  members@unimed.co.nz
Free phone: 0800 600 666
Phone: 03 365 4048
Fax: 03 365 4066