Updated 4 May 2016

Accuro

SmartCare+

Snapshot: The Accuro SmartCare+ policy covers surgical procedures up to $300,000 per year. What else does it cover?

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Policy details

Policy

Insurance type

Hospital and surgery

Financial strength rating

B (Stable) A.M. Best

Phone

0800 222 876

Core cover

Hospital surgical

$300,000

Hospital medical

$200,000

Specialist consultations associated with hospitalisation

Covered under surgical maximum within 12 months of surgery or medical maximum within 6 months of admission

Specialist consultations not associated with hospitalisation

n/a

Major diagnostics associated with hospitalisation

Covered under surgical maximum within 12 months of surgery or medical maximum within 6 months of admission

Major diagnostics not associated with hospitalisation

Covered under Hospital Surgical: angiogram, arthroscopy, colonoscopy, cystoscopy, endoscopy, hysteroscopy, laparoscopy, CT, MP and MRI scans

Oral surgery

$300,000, includes removal of impacted or unerupted teeth; excludes routine dental treatments (optional dental package)

Minor surgery

$1000 per claim for GP surgery

Pharmaceuticals

Pharmac and non-Pharmac

Additional cover

Physiotherapy after being discharged

$60 per visit up to $300 per admission, treatment must commence within 14 days of surgery

Post-op home nursing

$150 per day up to $6000

Overseas treatment

Cover up to policy maximums in Australia or if waiting period in NZ is 6 months or more; 75% of costs if you opt for treatment overseas; $30,000 if surgery unavailable in NZ

Suspension of cover

After 12 months of cover, overseas: 2-12 months; maternity leave: 12 months; unemployment: 2-6 months; redundancy or financial hardship: 6 months

Accommodation for parents

$300 per night up to 10 nights

Travel and accommodation benefit

Travel: $3000 for you and a support person (includes $200 per night up to 10 nights for a support person's accommodation)

Public hospital benefit

After 3 nights, $300 per night up to 10 nights

Death/funeral benefit

$10,000 if insured dies from illness aged 21-65

Alternative medical providers

n/a

Guaranteed wordings

n/a

Member reviews

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