Private Medical Cover
Private Medical Cover provides the funding to enable you to have private medical treatment whenever you require more immediate access or a broader range of treatment options than are available to you through the public health system. 医疗保险资助您获得比公费医疗系统更加及时或更多选择的私立医疗服务。
Surgical treatment （手术治疗）
If you require a surgical procedure (including lithotripsy 震波碎石), whether in hospital or day stay, and you choose to have the procedure completed privately, your Private Medical Cover will pay the costs (including prosthetics 修复术) up to a maximum of $300,000 per year for each life assured (certain exclusions apply). If your required surgery is as a result of a heart attack, stroke, coronary artery (冠状动脉手术) disease or critical cancer then the excess will not be deducted from this benefit. （如选择私立医院住院手术或当日手术，该保险支付所需费用，每年至多30万元。由于心脏病、中风、冠状动脉疾病或严重癌症引起的手术治疗，免除自付额）
Non-surgical hospital treatment （非手术性住院治疗）（同上）
If you require non-surgical treatment in a hospital and you choose to be admitted to a private hospital，your Private Medical Cover will pay the costs up to a maximum of $300,000 per year for each life assured (certain exclusions apply). If your admission to hospital is as a result of a heart attack, stroke, coronary artery disease or critical cancer then the excess will not be deducted from this benefit.
Life threatening illness treatment （对危机生命疾病的治疗）
If you suffer a potentially life threatening illness such as cancer, which requires drug treatment to arrest or cure but doesn’t necessarily require hospitalisation, you are still covered. The additional costs of these drugs over and above any government subsidies are included in the non-surgical cover detailed above. We want to help ensure you have access to the most effective drug treatments available, irrespective of whether those drugs attract a government subsidy or not (certain exclusions apply). (保险覆盖诸如癌症等疾病的阻止性或治愈性药物治疗之费用；支付政府补贴以外之药物费用）
Major diagnostic costs （高额诊断费用）
If you require any of the expensive diagnostic tests listed, whether they lead to the need for further treatment or not, your Private Medical Cover will pay the costs of these diagnostic tests up to a maximum of $200,000 per year for each life assured (certain exclusions apply). 可支付下列诊断之费用，每年至多20万元
MRI Scans 核磁共振扫描
CT Scans 造影扫描
Dilation and Curettage 扩张 (宫颈)与刮(宫术)
Nuclear Stress Test 心脏压力测试
PET Scans 正电子放射层扫描
When you are admitted to a public hospital 公费医疗时
If you are admitted to a public hospital for longer than three nights your Private Medical Cover will reimburse you $300 per night for each additional night you stay up to a maximum of 10 nights per admission for each life assured (certain exclusions apply). No excess will be deducted from this public hospital cash grant.
Emergency transport costs 支付急救运输费用，且免自付费
Your Private Medical Cover will reimburse you for the costs of any emergency transport you require (certain exclusions apply). No excess will be deducted from this transfer costs benefit.
Hospice respite 舒缓和善终关怀治疗
Your Private Medical Cover includes reimbursement for hospice costs of $300 per day for up to a maximum of 10 days for each admission (certain exclusions and limits apply). No excess will be deducted from this hospice benefit.
Death benefits 殇葬补助
A lump sum payment of $3,500 per life assured (or $2,000 for children under the age of ten), is payable to assist with funeral expenses should a life assured die (certain exclusions apply). No excess will be deducted from this funeral benefit. In addition, if an adult life assured dies before the age of 70, then the Private Medical Cover premiums you pay for all remaining lives assured will be refunded for the following three years (certain exclusions apply). If a life assured dies whilst in hospital as a result of medical misadventure a death benefit of $30,000 is payable (certain exclusions and limits apply). No excess will be deducted from this medical misadventure benefit. （殇葬费3500元，70岁之前过世者，减免此后其他受保人三年之保费。住院期间因医疗事故而亡者，获3万元。
Special assistance at home 在家期间之特殊护理
If you require full time care at home following a period of hospitalisation then your Private Medical Cover will reimburse you $300 per day up to a maximum of 10 days following each discharge. No excess will be deducted from this home nursing care benefit (certain exclusions apply). 每日300元补贴， 至多十日，免自付费。
Bringing you home 回国治疗。
If you have been working overseas for more than three consecutive months when you suffer a health condition which requires treatment and you wish to return home, your Private Medical Cover includes a return to home benefit. This benefit will reimburse you for the costs of bringing yourself and a companion home to New
Zealand (certain exclusions and limits apply). No excess will be deducted from this transfer costs benefit.
World-wide cover – Australasian treatment 保险效用不分国界。
Your Private Medical Cover is valid for medical conditions which arise wherever you may be in the world, as long as the treatment for those conditions takes place in Australia or New Zealand. If the treatment takes place in Australia, you are covered for the equivalent New Zealand costs as if the same treatment had been undertaken here. 在澳洲和新西兰治疗，同等支付标准。
Treatment away from home outside of New Zealand 境外治疗
If you require treatment that is unavailable in New Zealand then your Private Medical Cover will pay you a grant of up to a maximum of $30,000 to assist with the transport, accommodation and treatment costs that you incur (certain exclusions and limits apply). If your required treatment is normally available in New Zealand but is unable to be accessed within the six months immediately following recommendation, then your Private Medical Cover will reimburse you the equivalent New Zealand costs for the same treatment, if you decide to have that treatment overseas. Payment is made as if the treatment had been undertaken here, up to the maximums outlined in the surgical and non-surgical benefits detailed above (certain exclusions apply). 如在新西兰不能提供必要治疗，病者可得到3万元交通、住宿及治疗资助，寻医境外。如果在得到治疗建议后六个月内无法获得治疗，病者可获支付等同于本地治疗之费用。
Medical tourism option 自愿选择境外治疗，获本地治疗费用之75%补助
If you require treatment that is available in New Zealand within six months of recommendation, but you would prefer to have the treatment overseas, you are able to do so. The insurer will reimburse you for associated costs including treatment, transport and accommodation for yourself and one support person. The total amount payable is limited to a maximum of 75% of the usual customary and reasonable costs of the treatment, had it been undertaken in New Zealand (certain exclusions apply).
Treatment away from home inside New Zealand （支付新西兰境内之治疗费用）
If your recommended treatment has to happen outside of your home town, then your Private Medical Cover includes a support person accommodation and transport costs benefit which will reimburse you for up to ten days accommodation costs and all transport costs for your support person (certain exclusions and limits apply).
Second opinion benefit (每年至多4000元之资助用于寻求第二专家意见)
If you receive a diagnosis or are recommended a treatment plan by a Specialist which is covered under your Private
Medical Cover policy, and you wish to consult an alternative Specialist to obtain a second opinion, the costs of doing so will also be covered up to a maximum of $4,000 per annum. No excess will be deducted from this second opinion benefit.
Automatic cover for babies 新生儿三个月之免费保险
All children born during the term of your Private Medical Cover are automatically covered free of charge for the three months immediately following their birth to give you time to officially add them as lives assured if you choose.
Children added to your policy 父母医保含盖之子女，21岁前付儿童保费
Once children are added as lives assured, they attract the children’s premium rate until they turn 21. You can keep them covered under your policy for as long as you wish, their premiums will simply change to the applicable adult rate once they reach age 21. If they wish to convert from your policy to their own policy at any stage, the insurer
guarantees to apply terms and conditions to their new policy that are no less favourable than the terms and conditions that apply to your policy at the date they convert.
Your choice of excess （自选自付额）
Your Private Medical Cover provides you with the flexibility to structure your plan to suit your needs. You have a choice of excess on the base plan ($0, $250, $500, $1,000, $2,000, $5,000 or $10,000) which can vary for each life assured. Your adviser will assist you to understand the implications of these options to enable you to make the best choice for your personal circumstances.
Additionally, if you have a medical insurance policy with another provider and they pay less than 100% of your claim, the amount they pay you will count towards your excess when you claim the difference on your Private Medical Cover policy. This is particularly beneficial if your employer offers limited medical cover as part of your employment package.
Where clients have had an excess apply, no further excess is payable, even for completely new conditions arising, the following 12 months. This applies to both the excess on the base plan and on the Specialists and Tests Option.
Optional non-hospital related specialists and tests cover
You have the option to purchase the specialists and tests benefit which will provide reimbursement for the costs of specialist consultations or diagnostic tests that are not otherwise covered by the base plan. The cover includes registered alternative health practitioners as specialists under the specialists and tests benefit, provided you have been referred by a doctor for treatment of a diagnosed medical condition. An annual maximum of $4,000 each for specialist consultations and diagnostic tests applies to each life assured. There is also a standard $250 excess that applies each year for each life assured (certain exclusions apply).
Surgical Benefit and Non-Surgical Private Hospital Benefit – Cancer follow-up treatment
Specialist consultations and diagnostic tests cost occurring within 6 months of surgery or hospital admission are covered under the Surgical Benefit and Non-Surgical Private Hospitalisation Benefit. For cancer cases, the 6 month time limit will not apply and Specialist consultations and tests will be covered up until the cancer is considered to be cured or in remission.
Loyalty discount。You can take comfort that you will pay increasingly less for your Private Medical Cover than new clients to the company will. The discounts that apply start from the 2nd anniversary and increase each year by 1% until reaching 10%. (忠诚度年保费折扣，直至10%)
Help when it’s really needed 提供保费止付假期计划
A premium holiday is available to you to provide financial relief during difficult times without losing your valuable cover. In the tragic event that you lose a spouse or child, are made redundant or bankrupt or are forced to leave work to care for a relative who has become dependent on you due to ill health, your Protection Plan provides up to six months of free Private Medical Cover, while you rearrange your financial affairs. Alternatively your premiums and cover may be suspended for up to twelve months if you need temporary financial relief due to overseas travel, parental leave, extended periods of leave without pay or even if you decide to embark on some full time study. At the end of the suspension period you can restart your Private Medical Cover without being reassessed.
Keeping your Protection Plan up to date 保险计划与时具进
The cover guarantees to automatically apply any future enhancements we make to Private Medical Cover to your policy, provided there is no additional premium required for those enhancements.