Premium subscribers under a family group are able to have different levels of cover.

The premium rate for a child turning 19 years increases to an adult rate on the first premium due following their birthday. We will inform you of the new rate.

Apart from congenital conditions, Police Health Plan Limited will accept liability for all existing conditions for members who enroll at the first opportunity; that is, within three months of permanent appointment with NZ Police. Family additions will be covered from birth or marriage (this includes de facto partners) provided an application form is lodged within three months of the event. Members transferring from a similar health insurance provider in New Zealand will not be subject to the 90-day “no claim” period, but will be required to complete a medical declaration and existing conditions may be excluded. Evidence of previous health insurance cover will also be required. Children who are joined within three months of birth will have congenital conditions covered as per their policy.

If you leave and apply to rejoin Police Health Plan Limited or do not join at the first opportunity, you will be subject to a 90-day “no claim” period and all existing conditions will be excluded.

Surviving spouses, separated spouses and their children can continue membership of Police Health Plan Limited by arrangement of appropriate premium payments.

Membership to Police Health Plan Limited for yourself and your family can continue on leaving NZ Police, provided you have been a member for at least 12 months. Call Member Services on 0800 500 122 for information.

Benefit year runs from 1 July to 30 June. Annual maximums apply within this period.

All claims will be debited against the benefit maximums for the benefit year in which

the treatment was incurred. All benefits are calculated including GST.

If you upgrade your cover – from Surgical to Basic or Comprehensive, or from Basic to Comprehensive – you will be required to complete a medical declaration, will face exclusions and a 90-day “no claim” period for the enhanced benefits provided under the superior cover. If an excess has been selected on Surgical cover the excess applies from the date the new premium is paid. If you select a voluntary excess and then 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 that excess, regardless of when any procedure on this condition is done. If you cancel your policy, it will take up to 14 days to complete this cancellation.

Any costs related to surgery, as specified by the surgeon, will be covered for a period of four months before and four months after the date of surgery (this does not include consultations with a GP).

For any claim to be valid, all treatment must be for a medical condition, and be performed by or under the supervision of a registered medical practitioner – registered with the Osteopathic Council of NZ (OCNZ), a NZ registered physiotherapist, a NZ registered chiropractor, a specialist oral surgeon, or a NZ registered psychologist.