InsurancesafeNZ provides three different travel insurance policy categories: Studentsafe, Workersafe and Explorersafe. This means that if you’re travelling to New Zealand, travelling within New Zealand or temporarily leaving New Zealand, we have something to offer you. Use the Policy Finder to narrow your policy search and get a quote. Our website is also packed with great information on how to keep safe, how to make the most of your time abroad and how to understand your travel insurance policy better. If you need further assistance contact one of our friendly staff on our toll-free number 0800 486 004 (within NZ) or +64 9 488 1638 (outside of NZ).
Studying in New Zealand is an adventure of a lifetime, which is why a range of unexpected bumps and accidents are covered under Studentsafe policies.
But when it comes to certain medical conditions, you may not be automatically covered. That’s why it’s important to disclose any medical conditions you want cover for.
The term “Pre-existing Medical Conditions” is commonly used when applying for insurance. This refers to your medical history and the full definition can be found on your Studentsafe policy and examples include but are not limited to diabetes and asthma. If you require cover for a Pre-Existing Medical Condition you sustained prior to buying your Studentsafe policy, you’ll need to complete a Medical Risk Assessment Form within 28 days of arriving in New Zealand.
Your Pre-existing Medical Conditions will not be covered under your policy until the form is processed and approved. We will not pay under any section of the policy for any claim arising directly or indirectly from your Pre-Existing Medical Condition unless it has been declared and accepted in writing. You will receive a confirmation of cover for those Pre-existing Medical Conditions that will be covered and whether an additional premium is applicable.
Read your Policy Wording on insurancesafenz.com. Terms, conditions, limits and exclusions apply.
How do I get cover for my Pre-existing Medical Conditions?
Complete a Medical Risk Assessment Form within 28 days of arriving in New Zealand. Cover for your pre-existing medical conditions will be confirmed upon review of your application and an additional premium may be payable.
How can I check what’s considered a “Pre-existing Medical Condition”?
Please refer to your Studentsafe Policy Wording for the full definition.
Do I have to pay an additional premium to cover my Pre-existing Medical Conditions?
An additional premium may be payable. Please complete a Medical Risk Assessment Form in the first instance. You may choose whether or not to pay an additional premium to cover your Pre-existing Medical Conditions.
Are anxiety and depression considered Pre-existing Medical Conditions?
Yes, anxiety and depression are considered Pre-existing Medical Conditions but they are automatically covered under your policy under Section 1.7 Mental Illness in New Zealand, up to NZ$20,000. Please refer to your Policy Wording for the full terms, conditions, exclusions, limits that may apply.
I have previously been treated for a condition but have now been cleared by a medical professional. Will I still need to include it in my Medical Risk Assessment Form?
If you would like it to be covered under your policy, should the unexpected occur, you will need to complete a Medical Risk Assessment Form. Otherwise, if you do not wish to cover the condition, you may choose not to disclose it and it will remain excluded under your policy.
I’m pregnant – do I have to disclose this?
It is not a requirement to disclose your pregnancy. It is worth noting that pregnancy and childbirth is excluded if the pregnancy existed at the time cover under the policy was issued. However, there is provision to claim for unexpected medical complications or emergencies that occur up to and including the 28th week of pregnancy, up to a maximum of NZ$100,000. For the terms, conditions, limits and exclusions please refer to your Policy Wording. If you would like to include your baby under your policy, you will need to apply for cover by completing a Family Application Form and paying the relevant premium.