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.
 
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.