Benefits

KoruHealth Benefits

Effective 1st April 2019

  • New members can access benefits after the first 3 months of membership.
  • All applications for benefits must be lodged within 12 months of receiving the treatment.
  • Benefits apply to the cost of medical treatment or hospitalisation incurred within New Zealand.
  • Per annum means the financial year from 01 April to 31 March, benefit limits relate to this period.
  • On exceeding annual benefit limits, you may hold your receipts and access benefits in the next financial year subject to the 12 month claim period.
  • Under Family membership, your natural and adopted children are included until they reach 19 years of age
    after which they may take up their own single membership.
  • Children of partners who are not the employee’s natural or adopted children can apply under a single membership.
  • If you do not have a medical scheme or insurance, KoruHealth may refund up to 2/3 of the total invoice cost
    (subject to benefit limits). GP fees and prescriptions may be refunded up to 100% (subject to benefit limits).
  • If you have a medical scheme or insurance, KoruHealth may refund the remaining balance of each invoice
    up to 2/3 of the total invoice (subject to benefit limits). However, the remaining balance of GP fees and
    prescriptions may also be refunded to 100% (subject to benefit limits).
  • KoruHealth is a Provident Society and all benefits are at the ultimate discretion of the Board.
Benefit Type

GP Fees*

Cover

$600 per annum for Single

$1000 per annum for Married/Family


Benefit Type

Prescriptions*

Cover

$400 per annum for Single

$600 per annum for Married / Family


Benefit Type

X-Rays**

Cover

$500 per annum for Single
$750 per annum for Married/Family
$500 per MRI/CT scan image


Benefit Type

Specialist**

Cover

$180 per visit


Benefit Type

Medical / Hospital

Cover

$3,500 per illness


Benefit Type

Osteopathy/Chiropractic/
Physiotherapy**

Cover

$300 per annum for Single
$450 per annum for Married/Family


Benefit Type

Alternative Treatments**

Cover

$300 per annum for Single
$450 per annum for Married/Family


Benefit Type

Podiatry**

Cover

$300 per annum for Single
$450 per annum for Married/Family


Benefit Type

Orthodontic**

Cover

$800 per dependant (Total benefit limit)


Benefit Type

Optical (NZ Purchases Only)

Cover

$180 for first claim
$120 every 3 years


Benefit Type

Hearing Aids**

Cover

$500 per aid


Benefit Type

Laser Eye Treatment**

Cover

$500 per eye. Member only


Benefit Type

Health Services**

Cover

$300 per annum for Single
$450 per annum for Married/Family


Benefit Type

Counselling**

Cover

$300 per annum for Single
$450 per annum for Married/Family


Benefit Type

Psychology/Psychiatry**

Cover

$500 per annum for Single
$750 per annum for Married/Family


Benefit Type

Birth Benefit

Cover

$50 per child. Must claim within 12 months


Benefit Type

Funeral

Cover

$1,000 per member (Current Employee)
$400 per member (Past Employee/Retiree)
$400 per Spouse and Dependant


Benefit Type

Misc. Discretionary

Cover

On application to the board


NB Dental and fertility benefits are not covered.  All payments are at the discretion of the Board.
*GP and prescription fees may be refunded up to 100% within annual limits.
**KoruHealth may refund other benefits up to 2/3’s of the invoice within annual or maximum limits – refer to guidelines.