NZMedical.

Online Insurance for Kiwis

Sovereign Private Health Insurance–Keypoints

Insurance provided by Sovereign

Key Points

Lives Assured
Limited to immediate family members only

Eligible Ages
Minimum age: 16 (except for children)
Maximum Age: 70 (for application)
(Over 70 individual consideration)

Eligible Occupations
All

Method Of Payment
Direct Debit or
Credit Card (Visa or MasterCard)

Minimum Premium Contribution
$15.00 per month.

Premium Frequency
Monthly
Fortnightly (Direct Debit only)
Annual (a 5% discount)

Premium Type & Guarantee
Rate for Age to age 70
Level premiums after age 70.

Premium Review Period
Can be reviewed with 30 days notice

Excess Choices
Nil, $250, $500, $750, $1000, $2000, $4000

Term
Renewable to age 100

Quote Calculator
Comparisons

Private Health Policy wording

Sovereign Private Health has the flexibility to provide cover for a variety of needs at an affordable cost.

  • Cover can be provided on a single or family basis.
  • Cover can be either Private Health Cover only or Private Health Plus which includes specialists and diagnostic testing.
  • An excess can be selected which reduces premiums.
  • Full details of the benefits are provided on this site including complete policy wording.

Benefit Summary

Benefit
Private Health Cover
Private Health Plus
Surgery (including related specialist consultations, imaging and tests)
$300,000 per year
$300,000 per year
Cardiac surgery (including related specialist consultations, imaging and tests)
$300,000 per year
$300,000 per year
Oral surgery (including related specialist consultations, imaging and tests)
$300,000 per year
$300,000 per year
Cancer care
$300,000 per year
$300,000 per year
Non-specialist minor surgery
$250 per treatment up to $500 pa
$450 per treatment up to $900 pa
$250 per treatment up to $500 pa
$450 per treatment up to $900 pa
Medical hospitalisation
$300,000 per year
$300,000 per year
Major diagnostic imaging and tests
$100,000 per year
$100,000 per year
Breast reconstruction after mastectomy
Covered under surgery
Covered under surgery
Home nursing
$300 per day up to $3,000 pa
$300 per day up to $3,000 pa
Waiver of premium
One year's free cover (policy)
One year's free cover (policy)
Bereavement grant
$2,500 per lifetime
$2,500 per lifetime
Treatment away from home in New Zealand
$300 per day up to $3,000 pa
$300 per day up to $3,000 pa
Voluntary treatment in Australia
Applicable benefit maximums apply
Applicable benefit maximums apply
Treatment overseas where the wait for private treatment is greater than six months
Applicable benefit maximums apply
Applicable benefit maximums apply
Treatment overseas where the treatment isn't available in New Zealand
$30,000 per year
$30,000 per year
Public hospital credit
One year's free cover (life assured)
One year's free cover (life assured)
Public hospital cash grant
$300 per day up to $3,000 pa
$300 per day up to $3,000 pa
Sterilisation
$5,000 per lifetime
$5,000 per lifetime
Medical misadventure
$30,000 per lifetime
$30,000 per lifetime
Specialist consultations
Covered under the applicable surgical or medical benefit when the consultation takes place six months either side of related surgery
$10,000 per year
Diagnostic imaging and tests
Covered under the applicable surgical or medical benefit when the diagnostic imaging or test takes place six months either side of related surgery
$100,000 per year
Pregnancy, maternity and infertility allowance
No cover
$750 per year after three years
Health screening allowance
No cover
$500 every 3 years, after initial 3 years

PRODUCT DETAILS
* Limitations do apply to these benefits. Please refer to the Policy Document to ensure you have a complete understanding of the benefits offered under Private Health Cover and Private Health Plus.

More information see the policy document–or call us on 0800 269543

For a quotation click here. Health insurance may be more affordable than you think!