This Beautiful Banner is included in Essentials!

Student Health insurance

This type of insurance is designed to cover everyday health needs, providing Kiwis with additional support for primary healthcare services.

Intro
Southern Cross
nib
AIA
UniMed
UniMed

Student Health Insurance in New Zealand

As an international student in New Zealand, protecting your health and wellbeing is crucial. This guide will help you understand the ins and outs of student health insurance in Aotearoa, ensuring you're well-prepared for your academic journey.

Why You Need Health Insurance
New Zealand's public healthcare system doesn't cover international students. That's why having proper health insurance is not just recommended—it's mandatory. The New Zealand government requires all international students to have appropriate medical and travel insurance for the duration of their stay.
Types of Health Insurance for Students
University-provided Insurance
Many New Zealand universities offer their own health insurance plans tailored for international students. These often include:
Accident coverage
Hospital care
Prescription medicines
Mental health support
Dental care (limited)
Private Insurance Providers
You can also opt for insurance from private companies. Popular providers include:
Southern Cross
OrbitProtect
Uni-Care

Key Features to Look for in Your Policy

Comprehensive
medical coverage
Prescription
drug benefits
Emergency
medical evacuation
Repatriation
of remains
Personal liability
protection
Travel insurance
components

How to Enrol

Check with your educational institution first, as they may have a preferred provider.
Compare different plans and providers.
Apply online or through your institution's international student office.
Provide necessary documents, including your offer of place and passport details.
Cost of Student Health Insurance
The cost of health insurance for international students in New Zealand varies depending on factors such as:
Length of study
Age
Pre-existing conditions
Level of coverage

On average, expect to pay between NZD 200 to NZD 700 per year for a comprehensive plan.

Using Your Insurance
Once insured:
Keep your insurance card with you at all times.
Familiarise yourself with the claims process.
Know which healthcare providers are covered under your plan.
Understand any waiting periods or exclusions.
Additional Health Services for Students
Beyond insurance, New Zealand offers various health services for students:
On-campus health clinics
Healthline: a free 24/7 health advice phone service
Student counselling services
Sexual health clinics
Tips for Maintaining Good Health in New Zealand
Register with a local GP (General Practitioner)
Stay up-to-date with vaccinations
Practice good hygiene habits
Maintain a balanced diet and regular exercise
Seek help if you're feeling stressed or overwhelmed
Understanding ACC (Accident Compensation Corporation)
ACC provides no-fault accident insurance for everyone in New Zealand, including international students. However, it doesn't replace the need for comprehensive health insurance.

Securing appropriate health insurance is a vital step in your journey as an international student in New Zealand. It not only fulfils visa requirements but also ensures peace of mind, allowing you to focus on your studies and enjoy your Kiwi experience to the fullest. Remember, while this guide provides a comprehensive overview, always consult with your educational institution or a licensed insurance provider for the most current and personalised advice.

Where to Get Student
Health Insurance

Southern Cross
nib
AIA
UniMed
UniMed
Southern Cross
Southern Cross
New Zealand's largest health insurer
Offers tailored plans for international students
Known for comprehensive coverage and efficient claims process
Nib
Nib
Large Australasian health insurer with a strong presence in New Zealand
Offers flexible health cover options for international students
Known for its easy-to-use online services and quick claim turnaround
AIA
AIA
New Zealand's largest health insurer
Offers tailored plans for international students
Known for comprehensive coverage and efficient claims process
Orbit Protect
Orbit Protect
Specialises in insurance for international students and workers
Provides 24/7 emergency assistance
Offers plans with varying levels of cover to suit different budgets
Uni-Care
Uni-Care
Designed specifically for international students in New Zealand
Endorsed by many New Zealand educational institutions
Includes cover for pre-existing medical conditions (conditions apply)
Studentsafe
Studentsafe
Developed in conjunction with New Zealand universities
Offers plans tailored to university, polytechnic, and high school students
Includes coverage for mental health services and family visits

Key Considerations When
Choosing a Provider

Coverage extent
Ensure the policy covers all essential health services
Cost
Compare premiums and excess amounts
Claim process
Look for providers with straightforward, efficient claim systems
Additional benefits
Some insurers offer extra perks like travel insurance or wellness programmes
Institution recommendations
Check if your educational institution has preferred providers

Remember to thoroughly review each provider's policy wording and seek advice from your educational institution or a licensed insurance broker to find the best fit for your needs. Always verify the latest information directly with the insurance providers, as offerings and terms may change over time.

FAQs about car insurance

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore aliqua.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.
We design and develop world-class websites and applications, design better and spend less time without restricting creative freedom.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.
We design and develop world-class websites and applications, design better and spend less time without restricting creative freedom.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.
We design and develop world-class websites and applications, design better and spend less time without restricting creative freedom.

Student Health insurance quote

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
Image