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General enquiries:

(04) 496 6800


0800 500 122

The Police Health Plan provides the cover for you and your family when you need it most. 

Independently owned and operated by Police Health Plan Limited, a subsidiary of the Police Welfare Fund, our Health Plan is focused on the health of members and their families.

For more information view Police Health Plan brochure 

Get a copy of the Police Health Plan rules 

View our Health Plan premiums

About the plan

All plans include Surgical as your base cover which covers the cost of surgical procedures (conditions apply). You can then choose to add either the Basic or Comprehensive Plan on top of this for additional benefits such as optical, dental, audiology on the Comprehensive Plan.


We process the health claims on-site with a dedicated team who aim to refund your claims into your nominated bank account within 10 working days. Approved surgeries are paid directly to the health care provider on your behalf.

Who can join

Police Health Plan is part of the Police Welfare Fund members package. You can also join your partner, children and grandchildren (including daughters/sons-in-law). For further details see Membership Conditions

How to apply

You need to be a member of the Police Welfare Fund to join the Police Health Plan.  If you are not a Police Welfare Fund member join here.

What is a Pre-Existing Medical Condition?

Pre-existing Medical Condition -  Is any health sign, symptom or condition occurring or existing before the policy commencement date, or in relation to any policy upgrade after the policy commencement date, before the date of upgrading, or in relation to any spouse or child/ren member added to the policy after the policy commencement date, before the spouse or child/ren member was added to the policy. This includes any condition that occurs or exists at any time and relates to a sign, symptom or circumstance of which the member was aware, or ought reasonably to have been aware, at the policy commencement date or at the date of the upgrading, or at the date the member was added to the Policy.

Excess Option

We offer a reduced premium for selecting a voluntary excess. This excess applies to all surgical procedures, not including Surgery with a GP, Private Medical Hospital Admission, and the Public Hospital Cash Benefit.

Changing your Police Health Plan cover

You can amend your cover (e.g. change plans or your excess) and add a partner, and/or child or grandchildren to your existing cover.


Changing your excess

The excess applies from the date you pay the new premium.

If you choose to switch to a lower or no-excess option, a 90-day stand-down period will apply before the lower or no-excess option commences and all conditions that were existing under the previous higher voluntary excess, will still incur the higher excess, regardless of when any procedure on this condition is carried out.


The Benefit Year

The benefit year is from 1 July to 30 June. There are annual maximums you can claim up to. All claims are debited against the  the benefit year the treatment was received.

GST is included.

To note:

Please be aware we are collecting and holding sensitive personal health information. If you the primary member for your plan, please do not share your password otherwise your personal data could be visible to others.

Complaints Process

Our aim is to provide you the highest level of service possible however, we recognise that there is always room for improvement and at times we may encounter a problem. If you have a concern or complaint we will try to resolve them as quickly as possible. Our following process aims to address your concerns.

  1. Tell us your concerns. You can call us on 0800 500 122 to speak to a member of our Member Services team.
  2. If your complaint has not been resolved by Step 1, you can put your concerns in writing by emailing [email protected] or by letter to PO Box 12344, Thorndon, Wellington 6144. Our Complaints team will investigate your concern and respond to you in writing within 5 business days.
  3. If we require more time to investigate your concern, we will contact you about the extended timeframe and endeavour to provide you with a written decision within 10 working days of your contact. 
  4. If you are still dissatisfied with the outcome of our complaints process, you can refer your complaint to the Insurance & Financial Services Ombudsman Scheme (“IFSO Scheme”). This is a free, independent dispute resolution service which will consider your complaint and, either reach an agreed outcome, or make a decision. At this stage we will provide you with a deadlock letter. You can contact the IFSO office within 2 months from the date of the deadlock letter. If we fail to provide you with a deadlock letter, you must contact the IFSO within 3 months of the date of your original complaint.

See or call 0800 888 202 for information on the IFSO Scheme.

Insurance & Financial Services Ombudsman Scheme
PO Box 10-845
Wellington 6143