Benefits
Effective 1st April 2020
- 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 | Cover |
|---|---|
| GP Fees* | $600 per annum for Single $1000 per annum for Married/Family |
| Prescriptions* | $400 per annum for Single $600 per annum for Married / Family |
| X-Rays** | $500 per annum for Single |
| Specialist** | $180 per visit |
| Medical / Hospital | $3,500 per illness |
| Osteopathy/Chiropractic/ Physiotherapy** | $300 per annum for Single |
| Alternative Treatments** | $300 per annum for Single |
| Podiatry** | $300 per annum for Single |
| Orthodontic** | $800 per dependant (Total benefit limit) |
| Optical (NZ Purchases Only) | $180 for first claim |
| Hearing Aids** | $500 per aid |
| Laser Eye Treatment** | $500 per eye. Member only |
| Health Services** | $300 per annum for Single |
| Counselling** | $300 per annum for Single |
| Psychology/Psychiatry** | $500 per annum for Single |
| Birth Benefit | $50 per child. Must claim within 12 months |
| Funeral | $1,000 per member (Current Employee) |
| Misc. Discretionary | On application to the board |
GP Fees*
$600 per annum for Single
$1000 per annum for Married/Family
Prescriptions*
$400 per annum for Single
$600 per annum for Married / Family
X-Rays**
$500 per annum for Single
$750 per annum for Married/Family
$500 per MRI/CT scan image
Specialist**
$180 per visit
Medical / Hospital
$3,500 per illness
Osteopathy/Chiropractic/
Physiotherapy**
$300 per annum for Single
$450 per annum for Married/Family
Alternative Treatments**
$300 per annum for Single
$450 per annum for Married/Family
Podiatry**
$300 per annum for Single
$450 per annum for Married/Family
Orthodontic**
$800 per dependant (Total benefit limit)
Optical (NZ Purchases Only)
$180 for first claim
$120 every 3 years
Hearing Aids**
$500 per aid
Laser Eye Treatment**
$500 per eye. Member only
Health Services**
$300 per annum for Single
$450 per annum for Married/Family
Counselling**
$300 per annum for Single
$450 per annum for Married/Family
Psychology/Psychiatry**
$500 per annum for Single
$750 per annum for Married/Family
Birth Benefit
$50 per child. Must claim within 12 months
Funeral
$1,000 per member (Current Employee)
$400 per member (Past Employee/Retiree)
$400 per Spouse and Dependant
Misc. Discretionary
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.