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Studentsafe-Tech
Nelson Marlborough Institute of Technology has arranged Group Plans to cover their students. This plan is called Studentsafe–Tech. Any international student enrolling either at either of these Institutes of Technology is eligible for this insurance. You can also apply to include your family under the plan. Conditions may apply.
To download the policy wording, effective from 1st February 2010, including the Schedule of Benefits click here.
Participating Institutes of Technology
The following Institutes of Technology participate in offering the StudentSafe-Tech medical and travel insurance. To visit an Institute of Technology’s website please click on the relevant logo below.
How To Arrange Cover
Provided that you plan to study at one of the participating Institutes of Technology, you are not required to complete an insurance application form.
Cover for students and family, under age 60 is provided under the Studentsafe-Tech master policy for your study course. The premium to cover your family members will need to be included when paying for your policy and will be paid directly to the Institute of Technology. An application form to provide details of the family members must be completed and can be downloaded by clicking here. This form will need to be faxed to the insurer on 0800 800 167 or scanned and sent by email to help@studentassist.co.nz.
Students or family members aged 60 or over are required to provide medical evidence to Vero. Before cover can be accepted for family members 60 years of age or over you must complete an application form and submit that to Vero, this form can be downloaded by clicking here.
Pre-existing medical conditions are not covered
You are not automatically covered for pre-existing medical conditions. These are medical conditions or physical conditions that you have before you enrol in the plan and can extend to conditions you were aware of but did not seek treatment for. This is a general exclusion applying to any party to this insurance and includes family members. For example, if a parent or close relative dies while you are in New Zealand and you are required to travel home, cover will not apply if that person has died of a pre-existing medical condition.
However, cover can be arranged in certain circumstances on application to Vero. If you require cover for a pre-existing medical condition you can apply for cover by completing a medical risk assessment form. To download a form, click here.
Record of cover
As this is a group insurance plan with a master policy in place your registration at the Institute of Technology is also evidence of cover under the policy. An electronic record of your insurance cover is held by the University, Vero and Marsh. Your student number at the Institute of Technology is also your insurance number under the group insurance plan. Individual certificates of cover are not required to evidence your eligibility for cover under this plan. Once the Institute of Technology sends your enrolment details to Vero, a certificate of cover will be sent to your email address.
The period of cover
Cover under this plan applies while you are enrolled at Nelson Marlborough Institute of Technology.
Commencement of cover
For students travelling to New Zealand cover starts 31 days before the commencement date of your Course Start date. For students already resident in New Zealand, cover starts 16 days prior to their advised Course Start date.
The 31 day travel allowance applies to transit stops but does not include extended holidays or diversions to other countries en-route to and from New Zealand other than Australia, Bali, Lombok and the Islands of the South Pacific.
End of cover for full year degree and returning students
31 days after the completion of your course in your final year of study provided your policy is renewed each year.
End of cover for one year students
The earlier of the anniversary of your policy or the day you return to your country of origin.
End of cover for part year students
The earlier of 16 days after the end of the period of insurance detailed on your policy certificate or your return to your country of origin.
Top up covers
If cover is required outside the above limits, because you are planning to study abroad, travel for a holiday to countries not covered, you will need to purchase a top up cover called Studentsafe-Offshore by clicking here. A discount of 15% applies to students already insured with Studentsafe-Tech.
Ceasing study entirely and leaving the Institute of Technology
If you plan to leave the Institute of Technology before your study course end date then you must advise the Institute of Technology. If you stop studying, you must make other arrangements for insurance. You can simply click here then follow the instructions to purchase a Visitsafe - Express policy online.
Important benefits
- Automatic travel cover to New Zealand, even before you enrol in the insurance or at the Institute of Technology.
- No application forms, the cover is automatic when you enrol.
- Full year returning students who return to their country of origin on a temporary basis between study years get 90 days cover in respect to medical expenses and loss of deposits. The maximum benefit in respect of medical expenses for this automatic extension is $200,000.
- Returning and full year students are entitled to free travel insurance for up to 31 days for travel to Australia, Bali, Lombok and the Islands of the South Pacific during the period of insurance or during their transit to and from New Zealand.All other students are entitled to 16 days travel insurance in these stated countries.
- Cover is available for immediate family members and children 18 years of age and under who are travelling and residing with you. Family members must be enrolled in the insurance on first arrival in New Zealand. Family members who are aged 60 or over must apply to Vero before cover can be granted.
Claims Excess
- Luggage, Personal Effects, Travel Documents, Money and Credit cards: $200 for laptop computer and sporting equipment and $100 for all other items.
- Death or Disablement by Injury: $100 excess on all claims.
- Personal Liability: the greater of your residential tenancy bond or $500 for damage to property that is owned by your educational provider, landlord or home stay or $100 excess for any other property damage.
These amounts will be deducted by the insurer before the claim is paid. The level of excess applying to the cover may be varied during the period of cover.
Policy Exclusions
The policy contains both General Exclusions and Section Exclusions. An exclusion means that there is no cover for the event, action or situation excluded.
General Exclusions apply to every section in the policy.
Section Exclusions apply only to specific sections of the policy.
Some Important things you need to know
- The insurance policy provides you with important protection and you should take the time to download the policy and review it. This policy wording is effective from 1st February 2010.
- The policy wording is the legal basis for the insurance and this is only a guide.
- It is your responsibility to pay for medical check-ups and treatment for maintenance of your physical and dental health. Cover is also not provided for immigration medicals, contraception, sexually transmitted illnesses or pregnancy terminations.
- The premium you pay to the Institute of Technology includes statutory levies and compensation paid to the Institute of Technology for their administration of the plan.
- Pre-existing conditions are not covered.
- You are required to take reasonable care in protecting your property from theft or loss.
There are a number of frequently asked questions which you can review by clicking here.
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