# Health Positive — UniMed

**Insurer:** UniMed (`unimed`)
**Product slug:** `health-positive`
**Status:** active
**Vertical:** health
**Extraction confidence:** inferred

**Wording effective:** 2025-08-01
**Source PDF:** https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf
**PDF hash (sha-256, first 16):** `aee9a7d7180f3ebc…`

## Pharmac vs non-Pharmac drug cover

User part charges for prescription items on the New Zealand Pharmaceutical Schedule and prescribed by a Registered Medical Practitioner (including psychiatric medications) are covered up to $300 per annum with a 3-month no-claiming period. Non-Pharmac Subsidised Pharmaceuticals prescribed by a Registered Medical Practitioner in General Practice which have been approved by Medsafe and are not fully or partially subsidised by Pharmac through the New Zealand Pharmaceutical Schedule are also covered up to $300 per annum with a 3-month no-claiming period.

## ACC interaction

_Not on file._

## Pre-existing conditions

Cover for pre-existing conditions is included so we do not require you to provide details of your medical history. If you choose to upgrade to a UniMed surgical plan, you will need to complete a full health declaration relating to your medical conditions at the time of upgrade.

## Mental health

**Sublimit:** 1000

**Admission rules:** Costs of reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor are covered up to $1,000 per annum (3-month no-claiming period). They must be registered either under the psychiatry scope with the Medical Council of New Zealand, as a psychologist with the New Zealand Psychologists Board, as a psychotherapist with the Psychotherapists Board of Aotearoa New Zealand, or as a counsellor with the New Zealand Association of Counsellors or other relevant association. Hospital or inpatient mental health admissions are excluded as the plan excludes hospital visits.

## Oncology / high-cost cancer drugs

_Not on file._

## IVF / assisted reproduction

Not mentioned in the policy wording; the plan excludes major surgery and hospital visits, and no IVF benefit is described.

## Gap payment

_Not on file._

## Waiting periods

_Not on file._

## Excess options (NZD)

_Not on file._

## Sublimits (NZD)

- **podiatry**: $600
- **osteopath**: $600
- **gp_surgery**: $500
- **homeopathy**: $600
- **acupuncture**: $600
- **chiropractic**: $600
- **rongoa_maori**: $600
- **physiotherapy**: $600
- **dental_routine**: $500
- **childbirth_grant**: $300
- **gp_consultations**: $300
- **optical_eye_test**: $50
- **remedial_massage**: $600
- **loyalty_screening**: $750
- **dental_orthodontics**: $600
- **dental_wisdom_teeth**: $500
- **prescriptions_pharmac**: $300
- **dietician_nutritionist**: $600
- **specialist_consultation**: $5,000
- **diagnostic_investigations**: $5,000
- **mental_health_consultations**: $1,000
- **non_pharmac_pharmaceuticals**: $300
- **optical_glasses_or_contacts**: $350
- **traditional_chinese_medicine**: $600
- **loyalty_psychiatric_consultations**: 150 per consultation, max 3 consultations per year

## Exclusions

- Major surgery
- Hospital visits
- Healthcare services performed in the specialists' rooms
- Costs for personal items such as food/food substitutes, materials or garments

## Machine-readable endpoints

- Structured facts: `/api/health/product/unimed/health-positive/facts.json`
- Full markdown wording: `/api/health/product/unimed/health-positive/wording.md`
- Version history: `/api/health/product/unimed/health-positive/history.json`
- Insurer profile: `/api/health/insurer/unimed/summary.md`

## Citation

Cite as: UniMed Health Positive policy facts (wording effective 2025-08-01), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/health/product/unimed/health-positive/summary.md
Primary source: https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz