Updated 4 May 2016

Partners Life

Private Medical

Snapshot: The Partners Life Private Medical 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++ (Good) A.M. Best

Phone

0800 145 433

Core cover

Hospital surgical

$300,000

Hospital medical

$300,000

Specialist consultations associated with hospitalisation

Covered under policy maximums within 6 months of admission or until cancer is cured or in remission (incl. 2nd opinion benefit)

Specialist consultations not associated with hospitalisation

Covered under serious illness benefit: $300,000 up to 6 months prior to diagnosis and until diagnosed illness is cured

Major diagnostics associated with hospitalisation

Covered under policy maximums within 6 months of surgery

Major diagnostics not associated with hospitalisation

Covered under serious illness benefit up to $300,000; up to $200,000 for angiogram, arthroscopy, cholescintigraphy, colonoscopy, cystoscopy, dilation and curettage, gastroscopy, hysteroscopy, laparoscopy, myelogram, nuclear stress test, CT, MRI and PET scans

Oral surgery

Covered under surgical maximum for removal of impacted or unerupted teeth

Minor surgery

Covered under surgical maximum

Pharmaceuticals

Pharmac and non-Pharmac

Additional cover

Physiotherapy after being discharged

Covered under policy maximums up to 6 months after admission

Post-op home nursing

$300 per day up to 10 days

Overseas treatment

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

Suspension of cover

Overseas, parental or approved leave, tertiary education: 12 months; unemployment, redundancy or bankruptcy, death of partner or child, becoming a caregiver: 6 months (you can still claim during 6-month premium holiday)

Accommodation for parents

See "travel and accommodation benefit"

Travel and accommodation benefit

Travel: reasonable costs for a support person if treatment outside your residential region; accommodation: $300 per day up to 10 days for a support person if treatment outside home region

Public hospital benefit

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

Death/funeral benefit

$3500 if insured dies aged 10+; $2000 if 10 or under

Alternative medical providers

Optional extra under specialist and tests package

Guaranteed wordings

Yes

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