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General enquiries:

(04) 496 6800

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0800 500 122

The following are not covered by Police Health Plan.

  • Pre-existing conditions, unless disclosed and accepted on entry to the Health Plan.
  • Examinations and reports for disengagement or discharge from Police, or in respect of any other insurance claim.
  • Any treatment or operation outside the scope of the benefits, or subject to an exclusion, and related expenses such as anaesthetist, hospital or x-ray.
  • Maintenance examinations or medical check-ups including mole mapping or dermatological surveillance, health screening, physicals for life insurance, driver’s licence or other third party requirements.
  • Acute hospital admissions –  unplanned admissions or a planned admission if the date is less than 48 hours after the date on which the decision to admit was made.
  • Treatment where a condition detrimental to health is not evident, including preventative medicine, prophylactic healthcare and/or unapproved healthcare services and vaccinations, unless otherwise authorised in writing by Police Health Plan.
  • Mental disorders as defined in the Mental Health (Compulsory Assessment and Treatment) Act 1992.
  • Geriatric care including geriatric hospitalisation and pre-senile dementia.
  • Aids or HIV infection, or any conditions arising from them, or any other sexually transmitted disease.
  • Congenital conditions other than those existing in children who become a member of Police Health Plan within three months from their date of birth. Congenital conditions will be covered after three years of continuous cover.
  • Expenses recoverable from a third party or under any contract of indemnity or insurance.
  • Any costs for cosmetic treatment, although remedial treatment may be considered if such treatment relates to correction of previously qualifying treatment under Police Health Plan.
  • Sterilisation reversal.
  • Contraceptives, whether prescribed or non-prescribed.
  • Any treatment required due to an accident.
  • Pregnancy, childbirth or consequences, except for those costs covered under the Prenatal/Antenatal Loyalty Benefit.
  • Homeopathy, naturopathy, herbal medicine or any other alternative medicinal treatment.
  • Cardiac pacemakers, implantable defibrillators, nerve appliances, hearing aids, cochlear implants and any other appliances (surgical, medical or dental) other than surgically implanted prostheses approved by Police Health Plan.
  • The extraction of teeth, implantation of teeth or costs of implants with the exception of impacted wisdom teeth or those costs covered under the Surgical Loyalty Benefit.
  • Chelation therapy or similar treatment as defined by Police Health Plan.
  • Refractive surgery for the correction of short sight or long sight, including astigmatism.
  • Treatment for obesity (an ex-gratia payment may be made towards the cost of bariatric surgery. Conditions apply contact Police Health Plan for details).
  • War injury or disability.
  • Self-inflicted injuries or illnesses, including a disability or illness arising from the use of alcohol or drugs, including prescription medication.
  • Any costs not referred to under a particular plan option in the Police Health Plan brochure.
  • Management and treatment of snoring.
  • Surgery designed to assist or allow the implementation of orthodontic services.
  • Breast reduction procedures performed for any reason (an ex-gratia payment may be made towards the cost of breast reduction surgery. Conditions apply contact Police Health Plan for details).
  • Sexual dysfunction.
  • Treatment provided by any person outside New Zealand except as agreed by Police Health Plan.
  • No claim shall be payable for technologies, pharmaceuticals or medical procedures that have not been approved by Police Health Plan.
  • No claim shall be payable for cost in excess of Usual Reasonable and Customary charges (see definition under Terms & Conditions).
  • Gender reassignment surgery and directly related healthcare services.