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Accuro Group Medical Information Page

CerebralFix Group Medical Insurance

As a valued member of the CerebralFix team, you are provided with a fully subsidised medical insurance offering. This program is incredibly valuable and ensures you can stay on top of your health when you need it most. 

This webpage has been designed to provide information on Accuro's Staffcare+ product, how to make a claim, adding benefits/family, and more.

Please note that Accuro's systems are currently compromised due to a cyber-attack on their external IT provider - here's the latest update:

You may have heard that Accuro was impacted by a cyber incident involving our external IT provider’s infrastructure and has impacted some of our systems and services. We are in the process of reinstating our systems and will send you a further email and a membership certificate confirming your cover as soon as we can. 

  
The cyber event has also impacted our ability to charge premium for our new health scheme customers who have chosen additional (personally paid) cover.  We will seek to collect premiums in due course to confirm this cover moving forward.   

 

Benefit Summary

Accuro's Staffcare+ Policy

Immediate pre-existing conditions cover (excluding general policy exclusions).

Modify policy with additional benefits. Select from a range of excess levels and options to implement a policy that's best fit for your family.

Access to Best Doctors,  a second opinion from the world’s leading specialists, at no extra cost.

Comprehensive Cover. Up to $300k for general surgery, $300k for oral surgery, $40,000 Non-PHARMAC cover.

Extension of concessions to immediate family members of employees, when added within the eligibility window.

Children can stay on the policy until their 25th birthday. Other insurers stop child coverage at age 21.

Procedures Covered

Examples of procedures covered under Accuro's StaffCare+  health policy. Refer to the policy document for full T&Cs.

Cancer surgeries and treatment (chemotherapy and radiotherapy)

Heart surgery

Extraction of wisdom teeth

GP minor surgeries

Hip and knee surgeries

Prophylactic surgery

Specific major diagnostic tests

Physiotherapy

Home nursing

And many more

Mental Health Navigator
Benefit of the Specialist Plan

A unique benefit offering of Accuro's specialist plan is access to their Mental Health Assist service. This is designed to "break down barriers by providing fast, comprehensive and confidential access to a team of mental health professionals."  

 

This service will connect you to a team of health professionals including a nurse, psychologist and psychiatrist. This team will review your condition, make a diagnosis or review an existing diagnosis and treatment plan and make recommendations for future steps. The mental health nurse will continue to support you once you have completed the process.

 

You can expect a consultation within 10 days. More information on this here:

Quote Tool

Please use the dropdowns and white cells to input details for a quote estimation.

Email us at hello@aynsley.co.nz or give us a call at 03 374 9955 to proceed with any options - Accuro require the completion of a short form and direct debit form. 

FAQs

What is an excess?

Just like with your car or home insurance, an excess is a contribution you’re required to pay towards a Hospital claim you make on your policy. It’s paid directly to the hospital when you’re admitted for treatment. The higher the excess, the lower the monthly premium.

How does this Accuro policy compare to other policies in the market?

Accuro's staffcare+ is well-rated policy in the current market - our independent research provider has allocated it a core score of 89/100. However, the key point is that pre-existing conditions are covered under this policy, which is extremely rare in the market. This policy matrix illustrates how Accuro's policy is rated against the current insurance market.

Why health insurance?

The public health system in New Zealand offers free or low cost treatment at public hospitals for Kiwis, but high demand and the rising cost of providing healthcare creates challenges.

  • If you need non-urgent treatment, you might be put on a waiting list which can lead to stress and uncertainty. How long you wait may depend on the severity of your condition.

  • If your condition is not accident-related, treatment costs won’t be covered by ACC (the Accident Compensation Corporation).

  • You may have less control over when and where you are treated.

 

That’s where private health insurance comes in.

  • You have the choice of private treatment and surgery without relying on the public health system.

  • You can choose who you see and when you are treated.

  • Faster treatment means you can get back on your feet quicker, whether that be for work or play.

  • You have peace of mind as your health insurer will cover approved costs for expensive private treatments and surgeries.

How do I lodge a claim with Accuro?

With medical insurance, it's best practice to seek pre-approval for upcoming consultations/procedures. This ensures you're covered ahead of time. With Accuro, there are two ways of lodging a claim - the first is via the website or app, and everything you need to know can be found here. If you prefer filling in a form, then the second method is via Accuro's claim form. Once completed, send this form to hello@aynsley.co.nz and we will lodge with this Accuro, or send this directly to accuro_claims@accuro.co.nz.

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