Medical plan NZ Residents or Work Visas

CCM, committed for 14 years in health insurance in New Zealand brings to you two health plan in partnership with one of the most famous kiwi medical insurance company, established in1971.


Our continued good health is one of those things that is easy to take for granted, but we do not really know what is around the corner. Health Insurance is one thing you can do to protect your health and wellbeing. It safeguards you and your family by making sure you have prompt access to health professionals should health problems arise. It will give you peace of mind that, if something does go wrong, you will have the support you need when you need it

In New Zealand we are lucky to have a top public health system which does a great job in urgent situations- such as accidents and emergencies. However non-urgent cases which could include major illnesses, treatment can include long and uncomfortable waits on public hospital waiting lists. These delays can prevent you from returning to your normal life sooner and that's where Health Insurance can help

How much can treatment cost?

A recent survey found 73% of adults in New Zealand would not be able to afford elective surgery costing $5,000 or more. Even if your condition is not life-threatening, not being able to receive the treatment you require straight away could have a huge impact on your life. Click here>> to find out more about indicative costs for common procedures.

Our Plans: Smartcare and Smartcare+

SmartCare is our Hospital and Surgical base plan, which covers you for larger expenses including surgery (an operation or procedure to treat a disease or an illness) and private hospital admission (treatment in a private hospital without the need for surgery).

SmartCare is a modular health plan, meaning you can add one or more of the following options to the comprehensive base plan: Specialist, Natural Health, GP, or Dental and Optical.                                                                                                          

SmartCare+ is designed specifically for those who want or require a more enhanced level cover. It offers all the benefits and additional plan options of SmartCare PLUS the added value of a non-pharmac drug benefit, a medical tourism benefit, an overseas waiting list benefit, and an increase on the bereavement grant.

You will receive a 'warrant of fitness' discount on premiums after three years of continued cover and every three years after that if you retain a healthy weight. Non-smokers also receive a 10% discount on their premiums.

Excess options range from $0 to $4,000 and the greater the excess the lower the premium so you're in control.

Your medical history:

Health insurance provides cover for health issues that occur after your policy begins. Don’t be concerned if you already have a medical condition, you will just need to provide us with as much information as possible in your application

Choose your specialist:

We believe choice is important, especially when it comes to your health. That's why we have no preferred providers, letting you choose a specialist you feel comfortable with.




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