In this Accuro private health insurance review, we’ll look at which of its plans are exclusively offered through Policywise.
Accuro began in 1971 as the Hospital Services Welfare Society, to provide health cover for hospital staff. This might account for why more than half of its current members are from the health sector - the company’s expertise in health insurance is well-established.
Steady growth led to the expansion of the Hospital Services Welfare Society beyond the medical industry to cover all Kiwis, and a new name, Accuro (Latin for ‘taking care’), came with that diversification.
Accuro prides itself on innovation and can boast some notable firsts, including:
The experts at Policywise believe you should always seek professional advice when considering a financial commitment such as private insurance. To help in your decision-making, our Policywise team has completed extensive research on which health insurance companies and policies stand out.
Accuro offers a number of policies that tick all the boxes including:
SmartCare+ is Accuro’s most comprehensive health insurance policy, offering excellent cover, including non-Pharmac-funded drugs. Accuro’s SmartCare policy has slightly less cover, more restrictions, and doesn't include non-Pharmac-funded drugs. However, most of the key benefits are still there, and it’s an affordable plan well-worth considering. You can further optimise both these policies with a number of options.
The SmartCare+ & SmartCare base plans include (list of highlights only):
Optional plans to top up your SmartCare+ and SmartCare policies are listed below in a brief summary:
For more detail see policy wording: Smartcare+ & SmartCare.
This is the only product on the insurance market specially designed for those coming to work in New Zealand or visiting on a visa with less than two years’ validity.
SmartStay will cover the costs for urgent private or public hospital treatments, general practitioner consultations, and prescribed drugs or lab tests. Cover includes dependents up to 25 years old.
Accuro’s SmartStay base plan includes the following:
You can also boost your SmartStay coverage with:
If you’re in New Zealand longer than two years, you may be eligible for the SmartCare cover. Talk to our Policywise experts to find the best cover for you and your loved ones.
A comprehensive health insurance plan specifically designed for children. KidSmart means you can provide health cover for your children or grandchildren without having insurance yourself.
Highlights of the KidSmart base plan include:
The optional Specialist Plan adds real value to the KidSmart plan with:
You can explore the best health insurance options for you and your family when you chat with our expert Policywise advisers.
Many illnesses can be prevented by making minor lifestyle changes. Early diagnosis and treatment are also critical for successful health outcomes. Accuro promotes health and wellbeing for all its members through the Active Benefits programme. As a member, you can use the following resources:
The above is just a brief summary. Additional terms and conditions may apply.
Accuro is happy to offer a few point of difference services, such as covering you for specialist consultations and diagnostic procedures for up to 12 months on either side of surgery. That’s six months longer than other insurers.
Children listed on your policy remain at child rates until they turn 25. That's four years longer than other insurers.
Offering your employees a decent health care plan is a great way to show you really value them. It’s a given that employee health insurance:
Employee health insurance:
And your employees will be more focused on the job because they’re not worrying about waiting for medical treatment, taking time off work, or mounting medical bills. Employee health insurance is a great addition to your business toolbox. In fact, Seek calls it the No.1 Perk that will make a job candidate choose you over your competitor.
And that’s why Accuro offers StaffCare+ and StaffCare.
StaffCare+ is especially suited for medium to large businesses and offers comprehensive cover for all your employees. StaffCare is perfect for smaller businesses but has some reduced benefits, including lower cost limits. Cover for a large number of pre-existing conditions makes these two policies highly attractive to your employees.
Start with the base plan and then add some options to customise your employee insurance to suit. Here’s what’s included in the base plan:
You can add value to your StaffCare+ or StaffCare package with the following:
You can learn more about Accuro health insurance for businesses and review the policy documents here.
The Accuro health insurance claim process is streamlined and easy. Members can login to the online portal to check personal details, view policy documents, apply for pre-approval, and make claims. It’s simple to register.
We recommend seeking pre-approval if your procedure is likely to cost more than $1,000 and requires hospitalisation.
You can learn more about making claims and downloading the Accuro claim form by clicking on these links.
You can also claim your Accuro insurance through Policywise here. We’ll verify your claim with the insurer and smooth things over in those very rare instances when an issue arises. Policywise aims to make health insurance totally stress-free so you can focus on getting back on your feet as quickly as possible.
Wait times for essential and elective surgery are increasing each year. These delays can lead to much poorer health outcomes as well as increased stress and frustration. Health insurance can also pay for expensive treatments that are not publicly funded in New Zealand.
How much can you expect to pay privately for some common treatments in New Zealand?
Good health is priceless. Private health insurance can help you:
Health insurance can help you:
Policywise is a 100% free service which tells you which health, life, and disability insurance provider best fits your needs. We provide quotes and a comprehensive comparison of all leading providers - such as Accuro - as well as a simple, one-page summary clearly stating how our findings dovetail with your situation.
Not all health insurance policies are the same. Policywise can help you sort out the duds, avoid the lemons, understand the fine print and exclusions, and get the best insurance for you and your family.
Now is the time to think about investing in private health insurance cover that will give you or someone you love the most outstanding support and treatment possible in the event of illness. How about having a 5-minute phone conversation with us? Together, we can find the ultimate path towards securing your financial and physical health.