Benefits

Alternative Treatments

Examples of some of the alternative treatments covered are as follows
– Homeopathy, Naturopathy, Herbal and Acupuncture.

Medical / Hospital

Examples of some of the costs covered are as follows – surgery and associated costs performed by an

NZ Registered Specialist. This is a per illness benefit.

Examples of some of the costs NOT covered are as follows:- Cosmetic and oral surgeries, including Dental surgery, Fertility and Weight Loss treatments.

Health Services

Examples of some of the costs covered are as follows – equipment hire, medical tests such as ECG, lab tests such as blood work, ambulance / ambulance subscription, occupational therapy, dietitian, varicose vein stockings, mole mapping and skin surgeries.

Specialist – NZ Registered ONLY

Examples of Specialists are Oncologists, Dermatologists and Endocrinologists.

Orthodontic – NZ Registered ONLY

The total benefit limit is for a maximum of $800 per dependant, up to the age of 19.
KoruHealth members are required to use NZ Registered Orthodontic Specialists.

Optical

Claims are limited to spectacles and contact lenses purchased in New Zealand.

Funeral

Claims must be received within 12 months of death and a certificate must be supplied with the claim.

Birth

Claims must be received within 12 months of birth and a certificate must be supplied with the claim. The birth benefit may only be covered if fees are being paid whilst on leave without pay. If membership is suspended or the member is in their stand down period, this cannot be claimed.

X-Rays

Dental x-rays are not covered.

Laser Eye Treatment – for the MEMBER only

Claims can only be submitted for the member.