Health Cover

For over 30 years we have been protecting the health of our members. Police Health Plan is independently owned and operated by Police Health Plan Limited, a subsidiary of Police Welfare Fund Limited. The plan is non-profit and all surpluses are devoted to ensuring that members have access to one of the best value health insurance packages in New Zealand.

Cover you and your family can trust, when you need it most.






Who can Join

Membership to Police Health Plan is part of the Police Welfare Fund Limited membership package. It is open to current and former sworn and non-sworn employees of New Zealand Police.

Spouses (this includes defacto partners), dependant or non-dependant children, grandchildren and daughters/sons-in-law are also eligible for Police Health Plan membership.

To apply, simply complete a Health Plan Membership Application. To add your partner and/or children/grandchildren to your existing Healthplan Cover, you need to complete a Health Plan Amendment Form.

Benefits and Conditions

Benefit Maximums

The benefit year runs from 1 July to 30 June. Annual maximums apply within this period. All claims are debited against the benefit maximums for the benefit year in which the treatment was incurred. All benefits are calculated including GST.

Application of Benefits

All Benefits for all Plans apply for any treatment from 1 July 2012. These will be reviewed from time to time at the discretion of the Police Health Plan Board. Any changes will be placed on our website.

For further details please refer to the Membership Conditions.

Death Benefit

$2,500 payable on the death of a Police Health Plan member.

The Police Health Plan Benefit will be paid to the next of kin who is responsible for the deceased's affairs, including the deceased's funeral arrangements. If there is any dispute about who should receive the Benefit, the matter will be referred to the Police Welfare Fund. Payment will ber made to whomever, at the Fund's discretion, generally this will be the Estate of the deceased.

Voluntary Excess Option

There is the option of receiving a premium discount by selecting a voluntary excess on surgical cover. This means the excess is deducted from the total paid for each surgical claim. The surgical excess does not apply to the following surgical cover benefits: Surgery with a GP, Private Medical Hospital Admission and the Public Hospital Cash Benefit.

If an excess has been selected on the surgical cover, the excess applies from the date the new premium is paid.

If you choose to switch from a voluntary excess to the no excess option, a 90-day stand-down period will apply before cover with no excess commences. All conditions that were existing under the voluntary excess option will still incur the voluntary excess if any procedure on this condition is carried out after switching to a no excess cover.

To print a copy of the HealthPlan Brochure click here.

For a copy of the Police Health Plan Rules click here.

Financial Strength Rating

A M Best Co. has assigned a Financial Strength Rating of B++ (Good) and an Issuer Credit Rating of "bbb+" to Police health Plan Limited. The outlook for both ratings is stable.

The ratings reflect Police Health Plan's captive membership base, low expense ratio and good asset quality.

AM Best Co.'s Financial Strength Rating Scale:



A++, A+ (Superior)

A, A- (Excellent)

B++, B+ (Good)

B, B- (Fair)

C++, C+ (Marginal)

C, C- (Weak)

D (Poor)

E (Under Regulatory Supervision)

F (In Liquidation)

S (Suspended)