NZ Firefighters Welfare Society members can join Healthcare99 and claim assistance with meeting many medical costs
The Wellness Benefit is available with both Options A and B
Your Healthcare 99 policy provides cover for each member for the reasonable charges of the following:
| BENEFIT | MAXIMUM COVER |
|---|---|
| GENERAL SURGERY
(with the exception of the below listed benefits) |
$60,000 per operation
Covers the costs associated with surgery. Surgery must be performed in an approved facility by the appropriate registered Specialist/Surgeon. This includes:
|
| MINOR SURGERY | $3,000 per person per 12-month period
Covers the cost of minor surgery or treatment at an approved facility and must be carried out by a General Practitioner. |
| CARDIAC CARE | |
| Coronary Angiogram and/or Coronary Angioplasty | $20,000 per person per 12-month period |
| Cardiac Surgery | $40,000 per person per 12-month period
Covers the costs associated with surgery and procedures. Must be performed in an approved facility by the appropriate registered Specialist/Surgeon. This includes:
|
| CANCER CARE | $50,000 per person per 12-month period
Covers the costs associated with Cancer Care. These must be performed in an approved facility by the appropriate registered Specialist/Surgeon. This includes:
This does not cover any reconstructive procedures, cosmetic procedures or prophylactic procedures. |
| JOINT REPLACEMENT / RECONSTRUCTION SURGERY | $20,000 per operation
Covers the costs associated with surgery where a bone joint is replaced with an Orthopaedic Prosthetic or a Reconstruction to a tendon, muscle, ligament and soft tissue that is part of the musculoskeletal system. Must be performed in an approved facility by the appropriate registered Specialist/Surgeon. This includes:
This does not include crutches hireage, aid appliances or rehabilitation equipment. |
| IMPLANTED PROSTHETIC DEVICES | $10,000 per operation |
| WISDOM TOOTH SURGERY | $6,000 per person once per policy
Covers the costs associated with the surgical extraction of impacted/unerupted wisdom teeth. Surgery must be performed in an approved facility by the appropriate registered Oral Surgeon or suitably qualified Dental Surgeon. This includes:
|
| BREAST REDUCTION SURGERY | $25,000 per person, once per policy
Covers the costs associated with Breast Reduction surgery that is deemed to be medically necessary due to symptoms as proven by your treating medical providers. Surgery must be performed in an approved facility by the appropriate registered Specialist/Surgeon. This includes:
You must meet certain eligibility criteria to qualify for this benefit. Please contact us for further information. |
| WELLNESS BENEFIT | $500 per person per 12-month period
This covers health checks where there are no symptoms such as skin checks, cervical smears, mammograms, colonoscopies etc. |
| REHABILITATION BENEFIT | $500 per person per 12-month period
This covers physiotherapy following an approved surgical procedure. The physiotherapy must be directly related to the surgical procedure. This is in addition to the cover provided under Option A for Alternative treatment. |
| MAJOR DIAGNOSTIC BENEFIT | SPECIALIST & TEST BENEFIT | MAXIMUM COVER |
|---|---|---|
|
|
$5,000 per person per 12-month period
Must be performed at an approved facility when referred by a General Practitioner or Registered Specialist irrespective of whether surgery occurs. |
| Prior approval can be obtained for the above procedures. | Prior approval cannot be obtained for the above procedures under $500. You will need to pay for these and seek reimbursement from us. |
Note, pricing changed at 12 June 2024.
| AGE | ANNUAL | MONTHLY | FORTNIGHTLY |
|---|---|---|---|
| Under 19 | $398.35 | $33.20 | $15.28 |
| 19-24 | $762.12 | $63.51 | $29.24 |
| 25-29 | $847.48 | $70.62 | $32.51 |
| 30-34 | $1,159.64 | $96.63 | $44.47 |
| 35-39 | $1,287.63 | $107.30 | $49.39 |
| 40-44 | $1,382.42 | $115.20 | $53.02 |
| 45-49 | $1,553.20 | $129.43 | $59.57 |
| 50-54 | $2,065.55 | $172.13 | $79.23 |
| 55-59 | $2,577.86 | $214.82 | $98.87 |
| 60-64 | $3,373.24 | $281.10 | $129.38 |
| 65-69 | $4,385.12 | $365.43 | $168.20 |
| 70+ | $5,043.03 | $420.25 | $193.44 |
