Health Insurance
The New Zealand Government requires all international students to have appropriate medical and travel insurance for the duration of their enrolment at LSNZ and for travel to and from New Zealand, regardless of the type of visa they hold.
Schools can only accept insurance policies written in English and which meet the requirements set out in the NZQA Education (Pastoral Care of International Students) Code of Practice 2021.
An acceptable insurance policy includes:
Medical care in New Zealand, including diagnosis, prescription, surgery, and hospitalisation;
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Repatriation or expatriation of the student as a result of serious illness or injury, including the cover of travel costs incurred by family members assisting repatriation or expatriation;
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Death of the student, including the cover of: 1. travel costs of family members to and from New Zealand; and 2. costs of repatriation or expatriation of the body; and 3. funeral expenses;
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A reputable and established insurer with a credit rating no lower than ‘A’ from Standard and Poors or B+ from A M Best.
An insurer who is able to provide 24-hour service, seven days a week.
Amounts for health cover should be for an unlimited sum insured.
To avoid confusion, LSNZ strongly recommends arranging a policy through LSNZ prior to arrival in New Zealand. Insurance will be arranged with an NZQA compliant insurer, Orbit Protect (https://orbitprotect.com/).
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If the student’s own insurance policy does not meet the conditions outlined above, the student will be required to upgrade their policy or order one through LSNZ, which can be requested at any time during the enrolment process or on arrival.
Things You Should Know:
Medical Care
Most of your medical care will be covered from unexpected illness, or if you suffer an accident or injury. We will pay for your doctor, hospital and day care treatment costs. The NZ Accident Compensation Corporation (ACC) is by law, the primary provider and payor of cover for injuries that occur in New Zealand. It's important to also look through your policy document to understand the conditions that we don't cover.
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Medical Evacuation
In serious circumstances, as a result of injury or illness, you may need to be returned to your country of origin. At such a stressful time, we can help you by taking care of the costly expenses involved, allowing you to totally focus on what is most important - your recovery.
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Loss of Deposits
If due to unforeseen circumstances (as specified in the policy), you have to cancel your course (for example, due to illness or injury), we will reimburse you for any loss of tuition fees.
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Property
We understand that international students may be in New Zealand for a long period of time and may have a wide range of personal property with them. The Student Prime insurance plan provides you with a generous amount of cover for your general property, or you have the option to insure specific items under the Student Lite insurance plan.
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Pre-existing Medical Conditions
You are NOT automatically covered for pre-existing medical conditions. However, cover can be arranged in certain circumstances for a small additional assessment fee of NZ$45. Should we agree to provide cover for your pre-existing medical conditions, you will need to pay an additional premium over and above the base premium charged.
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Excess
When you make a claim with Orbit Protect, an excess is the amount you need to contribute.
On our International Student plans, you don’t need to pay an excess on any medical related or if travel disruption claims. For all luggage and personal effects claims, there is a $150 excess. For all liability claims, there is a $50 excess. This means that when we settle your claim, we deduct the excess from the amount we pay back to you.