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How to guides

Guides are available for downloading on the following processes; Logging in to Marram online, entering ballots, submitting healthcare requests, booking a holiday home. If you need any other help, call the Marram team on 04 801 2920.



Assisting with your excess

If you already have health insurance and have an excess on your policy, you may be considered for reimbursement based on the lesser of either 60% of the procedure cost or the excess amount.

This can’t exceed the limit of the benefit and only applies to eligible Marram healthcare benefits.

Oral Surgery excess is included in Marram’s Oral Surgery Benefit which has a maximum of $250 per tooth.

For example:

  • If you’ve had knee replacement surgery costing at $5000 and been reimbursed $4500 by your insurer because you have a $500 excess on your policy, you can request reimbursement for the excess from Marram. This is because under the Specialist/Surgical Benefit, the excess in this case is less than 60% of the full cost of the operation.  $500 is less than $3000 which is 60% of $5000.
  • Or, if you’ve had a minor operation costing $700 and the insurer reimburses $200, you can request reimbursement from Marram for the outstanding $500. Marram will consider reimbursement, under the Specialist/Surgical Benefit, at 60% because the $500 is more than 60% of the full cost of the operation

Marram online

Q: What can I do when I login?

A: You can:

  • Update your profile
  • View current vacancies and make a booking
  • Enter a ballot request
  • Submit a healthcare request

Healthcare reimbursement

Q: How do I submit my request for reimbursement of healthcare expenses?

A: Click this link to be taken to the ‘How to’ guide.  You can enter requests online, email or post.

Q: Can I submit 2 requests at the same time with different bank account numbers?

A:  No, Marram will only pay to 1 bank account per person when paying healthcare reimbursements.

Q: Do my previous healthcare benefit maximums apply if I have a gap in my employment and then re-sign up to Marram?

A: Yes. The next eligibility date for certain healthcare benefits will have been outlined on a previous remittance advice. The maximums and eligibility dates will be carried forward in addition to the three month stand-down period. If you’re not sure, please email [email protected] 

Q: Will my receipts be considered if they’re more than 12 months old?

A: No. You must apply for reimbursement within 12 months of the treatment date. If you're asked for any additional information, please send it to Marram within 12 months of the treatment date to avoid disappointment. 

Q: Can I submit a request as soon as I’ve joined the Marram community?

A: No. There’s a three-month stand-down period from when you join and make your first contribution.

Q: Can I send a request to Marram as well as my health insurer?

A: Yes. Please send your claim to your health insurer first. Once you've been reimbursed by your health insurer, send your request to Marram, including your health insurer's remittance advice. Ask Marram to top up amounts not paid by your insurer.

Please note: if you've been fully reimbursed by your health insurer, nothing further will be reimbursed by Marram.

Q: Can I apply for reimbursement of healthcare expenses for my dependent children?

A: Yes, for expenses incurred up to their 18th birthday.


Q: If my orthodontic treatment is ongoing, and likely to take longer than three years, can I still be reimbursed for that period?

A: Please submit your receipts within 12 months of the first treatment date.  If you have a payment plan, please submit regular receipts for reimbursement so they are within 12 months of the payment being made.

Q: Can online purchases be reimbursed by Marram?

A: Only for glasses or contact lenses. You’ll need to send Marram documentation from your optometrist for the original consultation and details of the prescription. The online purchase also needs to detail the prescription and who it is for.

Disability Support has been removed as a benefit from 1 April 2022.  

Holiday homes

Q:  Can I book a home for my visitors/friends/family to stay in without me being present?

A:  No. You can only book if you and/or your partner will be staying.  If tenancy terms and conditions are broken, you could be banned from future booking.

Q: Where are the Marram holiday homes located?

A: Holiday Home location Map to view all the locations Marram has to offer.

Q: Where are the pet-friendly homes located?

A: Orewa, Whangarei,  Ohope,  Maraetai Beach, Raglan, Whangamata, Acacia Bay, New Plymouth, Hastings, Palmerston North, Paraparaumu, Wellington South, Picton, Hokitika, Kaikoura, Hanmer Springs, Lake Tekapo, Dunedin St Kilda, Alexandra and Cromwell.

Q: Can I take an Assistance Certified Animal to a non pet-friendly home?

A:  Yes. Please send Marram a copy of your animal certification and contact Marram to make the booking.

Q: What is a serviced home?

A: These have linen provided and are cleaned at the end of your stay.

Q: What is a cleaned home?

A: All homes are now thoroughly cleaned at the end of your stay. You’ll need to supply your own linen when staying in a clean only home i.e. a non-serviced home.

Q: How many people will each holiday home sleep?

A: Most sleep four adults comfortably.  In most holiday homes, there’s also a double sofa-bed. However, a sofa-bed isn’t a substitute for a normal bed so consider this if you have special sleeping requirements. Exceptions are:

  • Ohakune #1 and #2 sleep up to 10 
  • Ohakune #3 sleeps up to 8
  • Martinborough #1 sleeps 10
  • Martinborough #2 sleeps 8
  • Haruru Falls #3 and #4 each sleep up to 7
  • Taupo #2 only has one double bed
  • Wellington City Apartments: 3B and 3E sleep 2, 3A sleeps 3, 3C and 3G sleep up to 6, 3D, 3F and 3I sleep up to 5
  • Hamilton sleeps 7
  • Dunedin Westgate sleeps 8
  • Dunedin Westgate – 3 bedroom unit sleeps 8
  • Dunedin Westgate – Studio unit sleeps 2

Q: What's provided in the holiday home?

A: All holiday homes are fully furnished. You need to bring sheets, pillow cases, towels, tea towels, toilet paper, soap and washing up liquid.  Beds and pillows must be made up with your linen. However, if you’re staying in a serviced home, then linen is provided and the beds are made up for you. 

Q: What time can I arrive at the holiday home?

A: 2pm and check out time is 10.00am.


Q: Can I book two homes for the same date?

A: No. You can only book one holiday home at a time.

Q: What is the maximum number of days I can book for my holiday?

A: 14 days. This limit is to ensure everyone has an opportunity to book holidays.

Q: Can I change my booking once I have paid for it?

A: No. You can cancel and rebook but remember that cancellation fees will apply.

Q: I'm in the process of joining Marram, can I book a home?

A:  No, not until you've received confirmation of joining the Marram community and made your first contribution.

Q: Can I rent a Marram home for the time I’m renovating my house?

A: No, the Marram homes are purely for the use of holidaymakers.

Q: I’ve sold my house and have nowhere to live.  Can I rent a Marram home until I find somewhere?

A: No, the homes aren’t designed as temporary rental accommodation.  They're only for holidays.

Q: Can I book a Marram home while I’m working away from home?

A: No. The homes are only for holidays.

The ballot

Q: What is a balloted holiday home?

A: To give everyone the opportunity to book a holiday home, a ballot system allocates most of the homes during school holidays - see the ballot dates.

Q: Are all holiday homes in the ballot?

A: No, the following locations are NOT balloted. Auckland City, Greytown, Wellington City, Dunedin Westgate  3bedroom + Studio, Wanaka Studio units.

Q: What rules govern the ballot process?

A: Ballot categories and the selection criteria applying to each category can be found in the Ballot Rules.

Q: How do I enter a ballot request online?

A: Click Here to view a video on how to enter the ballot

Marram Community Trust

Q: Where are the Marram offices located?

A: Ground Floor, 8 Lorne Street, Te Aro, Wellington 6140

Q: When did the Post Office Welfare Trust change its name to Marram Community Trust?

A: The Post Office Welfare Trust was incorporated under the Charitable Trusts Act 1957 on 11 September 1987. The name was changed to Marram Community Trust on 23 December 2008. The change recognised that Marram has many Affiliated Organisations but all with some link back to the Post Office.

Marram Community Trust remains a registered charitable trust and a not-for-profit organisation serving the needs of its community. 


Q: What are contributions?

A: Your contribution is a regular gift of money to help fund the activities of the Trust. It’s used to provide you with all of Marram’s benefits. Marram has other funding sources too i.e. investment income and holiday home rental income.

Q: What happens if I decide to stop my contributions, then change my mind and decide to sign up to Marram again?

A: If you've already signed up twice with the same employer, subsequent applications may be declined. If this is you, please contact [email protected] 

Q: What happens if I no longer work for an Affiliated Organisation?

A: Please advise Marram of the last date of employment. You may be eligible for Lifetime status. 

Q: What happens if I go on long-term leave?

A: You can make a lump sum payment before you go on leave to make sure you don’t miss a scheduled contribution.

If you contribute through a direct debit, you don’t have to do anything, your contributions will be deducted as usual.

Lifetime status

Q: What is Lifetime Status?

A:  You qualify for Lifetime beneficiary status when:

  • You’ve been working for a Marram affiliated employer(s) for 5 years or more.
  • You’ve been contributing to the Marram community for the last 2 years of your employment.
  • You’ve left the affiliated employer. 

Q: What are the perks of Lifetime Status?

A:  Lifetimers aren’t asked to make weekly contributions but can still use the holiday homes for life.

Q:  How much does it cost?

A:  The Board of Trustees asks that Lifetimers pay a small surcharge for each booking; It's included in the price you pay.

It’s either $10 a night, or weekly surcharges of:

  • $100 for Peak season
  • $35 for Shoulder season
  • $25 for Off peak season

Q: I left employment with an Affiliated Organisation. What happens to my future holiday home booking?

A: If you’re eligible for Lifetime Status, you can retain your bookings but pay the Lifetimer Surcharge.

If you’re  ineligible for Lifetime, Marram will contact you to discuss your booking. If you’ve left your Affiliated Organisation due to redundancy, you may be able to retain your booking. Otherwise, Marram will cancel the booking and give you a full refund.

Cancellation fees

Q: Do cancellation fees apply to all cancelled bookings?

A: Yes. Cancellation fees apply. The sooner you cancel your booking, the lower the cancellation fee. The following cancellation fees are deducted from your booking refund. You won't receive a refund if you've already started your booking.  

  • 3 weeks or more 10% 
  • 2 - 3 weeks 30% 
  • 1 - 2 weeks 40% 
  • Less than 1 week 60%

Promotions and Special deals

Q: What is the Interislander & Rail Journeys Special Promotion?

A: This is a special offer for discounted travel on the Interislander. The offer is open to Marram beneficiaries travelling between 1 February 2024 and 15 December 2024.

If you would like to take up their offer, please:

  • Make your reservations at 
  • Select your mode of transport and complete your travel details.
  • Insert the promo code XMCT1 if your booking is for 2024

All the normal fare conditions apply.

You can include your friends and family in your booking but they must travel with you to be eligible for the discounted rate.

You’ll need to take your Marram ID with you when you travel. Please contact [email protected] to obtain this.  Please present it when you check in at the start of your journey.

Q: What is the MoleMap Special Promotion?

A: There is a special offer for Marram beneficiaries you can have a Full Body MoleMap or Skin Check with MoleMap professionals and receive a 20% discount when entering the promotion code MCHECK23 when booking.

Make sure you get a receipt and then claim 60% of the cost through Marram under the specialist/surgical benefit.

This offer runs till the 31st December 2024. Book now by calling 0800 665 362 or online at

Marram Competition and Giveaways Terms and Conditions

  1. Open to current Marram beneficiaries residing in New Zealand only.
  2. Open to anyone 18 years and over.
  3. Marram giveaways are not endorsed by Facebook or Instagram.
  4. Marram reserves the right to end a giveaway campaign at any time
  5. Marram reserves the right to use any content provided throughout the campaign across all media channels
  6. Photos entered in a competition must be between 1MB and 5MB
  7. The judges' decision will be final.


Referral promotions

A:  Referral promotions are run four times a year between specified dates. The promotions encourage employees who are part of the Marram Community to refer colleagues who aren't. 

Terms & Conditions

  1. Both Referrer (already part of Marram) and Referee (new to Marram) are eligible for a voucher of choice;
  2. Referee must have signed up within the specified referral period; 
  3. Both Referrer and Referee must advise which voucher they'd like within one month of receiving an email;
  4. The voucher is either $50 Z Gift Card or $50 Pak n Save Gift Card or $50 New World Gift Card or $60 Marram Holiday voucher.
  5. Referral applies to new sign-ups, not to colleagues who are changing Affiliated Organisations or transferring within the same organisation;

To be eligible, the Referee must have started contributions by the end of the month following the close of the promotion.