Treating our clients

Treatment we'll cover

If you’re treating one of our clients for an accepted condition, we may cover the cost of treatment. Pre-approval is often required. 

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 contact us — how we work with you may be different.

Without pre-approval

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.

With pre-approval

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 won't 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
• ACC.

We're also unable to cover treatment for a condition that we have not accepted as service-related.