Treatment we'll cover
If you’re treating one of our clients for an accepted condition, we'll cover the cost of treatment.
Find out how we decide to accept a condition
If you're a healthcare provider outside of New Zealand, we'll fund the same type of treatment available in NZ. Please get in contact with us — how we work with you may be different.
Prior approval is not required for treatment for an accepted condition that is:
- a doctor's visit
- subsidised pharmaceuticals on the PHARMAC list, or
- diagnostic x-rays and scans up to $1,000.
We need to pre-approve:
- specialist treatment
- pharmaceuticals not on the PHARMAC list, and
- diagnostic x-rays and scans over $1,000.
Without pre-approval, we'll not pay or contribute towards these costs.
Treatment we'll not cover
We're not responsible for covering the cost of treatment if it is being covered by:
- the NZ Defence Force
- the public health system
We're also unable to cover treatment for a condition that we have not accepted as service-related.