The healthcare system of New Zealand has undergone significant changes throughout the past several decades, creating a mixed public-private system for delivering healthcare. The cost of treatment for cases deemed ‘accidents’, for all people legally in New Zealand (including tourists), is covered by the Accident Compensation Corporation . The extensive and high-quality system of public hospitals treats citizens or permanent residents free of charge and is managed by District Health Boards. A secondary market of health insurance schemes exists which funds operations and treatments for their members privately. Primary care (non-specialist doctors / family doctors) and medications require co-payments, but are subsidized, especially for patients with community health services cards or high user health cards.