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.