You have the freedom to choose to see any qualified healthcare provider in New Zealand.
If you're seeing a specialist or going to hospital, we recommend choosing a provider who is in our First Choice network, opens in a new tab so that we can cover 100% of your eligible costs*. However, if they’re not in our First Choice network, you may need to make a gap payment. This payment is the difference between what your healthcare provider charges for a treatment and what we have set as its efficient market price.
To find a healthcare provider, or check if the specialist or hospital you've chosen is in the First Choice network, you can use our Find a Provider directory, opens in a new tab.
*Up to your benefit limit, subject to any excess payable and in line with your policy terms.