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Click here to view the latest Board Report, dated 15 May 2019.

Medical Insurance

Protect yourself and your family from unexpected medical bills. We recognise that the rapidly rising health care costs can create hardships on you and your family. Our affordable medical insurance policies ease the burden of your medical costs. Our relationship with UFS and its affiliated pharmacies give you attractive discounts on prescriptions and pharmacy products. 

Members of Manchester Unity and their Dependents (spouse or child) can apply as long as they are under 65 years of age at the time of their application.

BasicOur Basic Plan pays medical rebates of up to $3,800 to you each fund year for medical expenses incurred. It rebates up to 50% of expenses like visiting your GP, hearing aids, and prescriptions.
PremierOur Premier Plan pays medical rebates of up to $27,250 to you each fund year for medical expenses incurred. It rebates up to 80% of expenses like surgery, radiology and hearing aids.
WellnessOur Wellness Plan pays medical rebates of up to $3,125 to you each fund year for medical expenses incurred. It rebates up to 80% of expenses like physio, chiropractor and podiatrist.
Optional ExtrasDental, Optical, Wellness and Hospital Stay.
NEW! Enjoy extra medical benefits, at no further cost
Every policyholder, their partner and children get access to Best Doctors. Best Doctors’ services allow you to get medical advice from the world’s leading specialists from the comfort of your own home. Read more...

Basic PlanPremier PlanWellness PlanOptional ExtrasHow to apply?How to make a claimFAQs

Basic Plan

Under our Basic Plan, Manchester Unity will pay medical rebates of up to $3,800 to you each fund year for medical expenses incurred. It rebates up to 50% of expenses like visiting your GP, hearing aids, and prescriptions. 

Basic Plan weekly premiums

 Basic Plan Benefits

*per person insured per fund year
^ you can receive the rebates three months after your Policy Start Date

Premier Plan

Under our Premier Plan, Manchester Unity will pay medical rebates of up to $27,250 to you each fund year for medical expenses incurred. It rebates up to 80% of expenses like surgery, radiology and hearing aids. 

Premier Plan weekly premiums

Premier Plan Benefits

*per person insured per fund year
^ you can receive the rebates three months after your Policy Start Date

Wellness Plan

Under our Wellness Plan, Manchester Unity will pay medical rebates of up to $3,125 to you each fund year for medical expenses incurred. It rebates up to 80% of expenses like physio, chiropractor and podiatrist.

Wellness Plan weekly premiums

Wellness Plan Benefits

*per person insured per fund year
^ you can receive the rebates three months after your Policy Start Date

Optional Extras

Manchester Unity provides four options to expand your cover. 

You must have a Basic Plan, Premier Plan or Wellness Plan to take these options. If you have a Wellness Plan you cannot add a Wellness option. All rebates are 100% of your expenses to the maximums listed within a fund year.

Dental

Dental weekly premiums

Dental benefits

Optical

Optical weekly premiums

Optical benefits

Wellness

Wellness weekly premiums

Wellness benefits

Hospital Stay

Hospital Stay weekly premiums

Hospital Stay benefits

*per person insured per fund year
^ you can receive the rebates three months after your Policy Start Date
+ our Hospital Stay option provides a cash allowance on a per person per fund year basis

Applying is easy!

Members of Manchester Unity and their Dependents (spouse or child) can apply as long as they are under 65 years of age at the time of their application.

Download an application from and a direct debit form. Complete and post to:

Manchester Unity, PO Box 5083, WELLINGTON 6140

You take personal responsibility to make sure the Policy meets your requirements.

Introductory Offer

If you apply for one our of new Medical Insurance Plans – Basic, Premier or Wellness, before December you will get a 20% discount on your first three months of premiums.

If you already have one of  our Affordablehealthcare plans, apply for one of our new policies before December 2017 and we will cover any pre-existing conditions you have AND give you 20% off the first three months premiums. 

Not a Member? Join now…

1. Complete the Claim form or Pre-approval form

Please ensure you enter in all requested details. Follow the instructions on the form.

2. Submit your Claim Form

Please send your completed form to:

Manchester Unity, Freepost 2016, PO Box 5083, WELLINGTON 6140

Questions?

If you have any questions please contact us on 0800 101 842, extn 8795.


Who can apply for Medical Insurance?
Members of Manchester Unity and their Dependents can apply for a Medical Insurance Policy as long as they are under 65 years of age at the time of their application. A Dependent is defined as the spouse or child of a Member.

I already have an Affordablehealthcare Plan. What happens to that?
There is no change to your existing Affordablehealthcare Plan. it continues as previously.

I already have an Affordablehealthcare Plan. Can I apply for the Medical Insurance Policy as well?
No. You can only have one or the other.

If a Member belongs to multiple Lodges can they apply for multiple Medical Insurance Policies?
No. A person insured can only obtain one Medical Insurance Policy.

I am not a Member of Manchester Unity. Can I complete the Membership application form at the same time as my Medical Insurance application?
Yes. You can join as a Member by completing the Membership application form.

Why should I join Manchester Unity? What is in it for me?
As a Member of Manchester Unity, you can access several member-only offerings.

Buy a broad range of market competitive insurance products – funeral plan, house, contents, car, travel, and much more. Stay at our family holiday homes at six fabulous locations around New Zealand.  Save money using our member-only discounts and deals.  Have the opportunity to apply for kids’ scholarships. Meet like-minded people and families at our friendly social events. Get involved in your local area projects to make a difference. For more information on joining Manchester Unity, look at our website or phone us on 0800 101 842.


What is the Medical Insurance Policy?
The Medical Insurance Policy is designed to pay rebates to you for medical expenses incurred more than three months after your policy starts (and while your policy is still current).

The policy’s three plans – Basic, Premier and Wellness– allow you to choose your preferred cover (which rebates medical expenses up to $3,800, $27,250, and $3,125 respectively). You can expand cover through four optional extras – Dental, Optical, Wellness and Hospital Stay. There is cover available for both adult and child, but not for a family unit.


Does it matter that I have medical cover with another organisaiton?
No. As long as you meet the eligibility criteria, you can have medical cover with another organisation and still apply for the Manchester Unity’s Policy.

I have an existing Affordablehealthcare Policy, can I add an Optional Extra to it?
No. The Optional Extra’s are only available with the new Policies.

I want the Wellness Plan, but I see there is a Wellness Option. Can I have them both to boost cover?
No. The Wellness Optional Extra cannot be added to the Wellness Plan.

How is my premium amount determined?
 Your monthly premium amount is determined based on your chosen Plan when you apply for your Medical Insurance Policy.

Will my premium amount go up?
Your premium amount does not automatically change as you get older.

However, your premium amount can change in accordance with the Policy terms and conditions, including when you take on optional extras, and/or when Manchester Unity informs you that it intends to increase the premium amount.


How do I pay the premium amount?
You pay the premium amount by direct debit. To set up a direct debit from your bank, download a Direct Debit form, complete and post it back to us at:

Manchester Unity Friendly Society, PO Box 5083, Lambton Quay, Wellington 6140


Are there going to be bonuses?
No. Medical Plans are an insurance policy, not a savings plan.

How do I make a claim?
If the expenses from your Eligible Medical Service are likely to cost over $1,000, you must obtain Pre-Approval.  For all others, download and complete the claim form.  You are responsible for the cost of completing the claim documentation and providing evidence.

What happens if I cancel my policy?
You can cancel your policy at any time by giving us written notice.

If we receive your notice of cancellation within 14 days of your policy start date, then we will refund all premium amounts paid.

If we receive your notice of cancellation more than 14 days after your policy start date, then we will not refund any premium amounts paid.


Can I talk to someone about the Medical Insurance Policy (other than online)?
Yes. We are always happy to discuss.  For more information about the Medical Insurance Plan, call Catherine on extn 8795.

Please note that we do not provide financial advice.  You take responsibility for making sure that our Medical Insurance Policy is right for you. If you require financial advice in relation to the Medical Insurance Policy, we recommend you consult a financial advisor.


Additional information PDFs – Basic Plan brochure, Premier Plan Brochure, Wellness Plan brochure, Optional Extras brochure, Policy Wording, Application Form, Direct Debit Form, FAQs

Check out our other insurance products…

Click here if you have an Affordablehealthcare Policy.

Need more information about our Medical Insurance? Email us…