Surgery Plus: ensure you can pay your medical bills and afford any essential surgery.

With Surgery Plus health insurance, you can be confident that you and your family can have help with your medical expenses, especially the unexpected 'big one', should you require it. You can choose when and where you have treatment, without the financial cost adding to an already stressful time.

Comprehensive cover

Surgery Plus has a range of benefits:

Help when you or your family need it: avoid the lengthy waiting lists on the public health system and get the medical treatment you need faster.
Flexible benefits: you choose the benefits you want - from basic surgery to full dental and optical expenses.
Full cover for most surgeries: with Surgery Plus you’re 100% covered for the usual and customary charges of qualifying surgical procedures.
Cover for pre-existing health conditions: once your Surgery Plus policy has been in place for three years, then cover for qualifying pre-existing conditions is available.
$2,400 adult funeral benefit: if the policyholder dies of natural causes before the age of 65, a lump sum is available to help cover funeral expenses if they’ve been paying the adult contribution rate.

Find out more about the Surgery Plus Base Plan and Add-On options.

Competitive premiums

Our premiums are very competitive contact your local branch to arrange a free quote.
Premium waiver: If the policyholder dies of natural causes prior to age 60, then your partner and named dependants may receive two years’ free cover equivalent to the cover the policyholder had.

Stress-free claims

To make a claim, simply download a claim form (PDF 61KB) and send it to Surgery Plus, PO Box 1721, Christchurch.

Find out more - and get a free quote today

To arrange a free quote, contact your local branch, or call us today on 0800 554 554.

For all enquires, claims or changes to existing Health Care or Surgery Plus polices, please contact UniMed on 0800 600 666.

This section contains summary information only. It is not a policy document and is not intended to be relied on. The Terms and Conditions are available from UniMed. All claims are subject to the full Terms and Conditions. The information contained here is correct as at the date of publication. Surgery Plus is underwritten by Union Medical Benefits Society Limited (UniMed). UniMed reserves the right to change the terms of cover it offers in the future.

Interest rates and fees are subject to change. An Investment Statement and the current Disclosure Statement are available from any branch of The Co-operative Bank or can be downloaded here. For all lending products, The Co-operative Bank lending and insurance criteria, and fees apply. If a home loan is greater than 80% of the property's value, a low equity interest rate premium, will apply.