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Studentsafe-University
All New Zealand’s Universities have collaboratively worked together to establish a Group Insurance Plan to cover their international students medical and travel requirements. This plan is called Studentsafe–University. Any international student enrolling at a New Zealand University is eligible for this insurance. You can also apply to include your family under the plan. Conditions may apply.
To download the policy wording including the Schedule of Benefits click here.
Participating Universities
The following Universities participate in this in offering the Studentsafe-Universities medical and travel insurance. To view the University’s website, please click on the relevant name below.
How To Arrange Cover
Provided that you plan to study at one of the participating Universities, you are not required to complete an insurance application form.
Cover for students and family, under age 60 is provided under the Studentsafe-University 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 University. 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 participating University 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 University 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 University 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 the participating University.
Commencement of cover
For students travelling to New Zealand cover starts 31 days before the commencement date of your course. For students already resident in New Zealand, cover starts on the later of the day you have completed enrolment in the course or on the day your existing compliant insurance expires.
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 nine 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, or you are a medical student doing electives abroad, 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-University.
Ceasing study entirely and leaving the University
If you plan to leave the University before your study course end date then you must advise the University. If you stop studying, you must make other arrangements for insurance. You can simply click here then follow the instructions to purchase insurance online for a Visitsafe - Express policy.
Important benefits
- Automatic travel cover to New Zealand, even before you enrol in the insurance or at the University.
- 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.
- Doctoral students may apply to Vero to have their cover under this policy suspended for a period of up to 180 days if they leave New Zealand to undertake study or research related to their Doctorate.
The suspension of cover preserves your insurance record but also means there is no cover under the policy for the period of suspension that exceeds 90 days in your country of origin. If you are doing research in a country other than your country of origin you will need to purchase top up cover using Studentsafe-Offshore. You can purchase cover by clicking here.
- Degree, 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.
- 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. All claims by family members will have a claim excess and must be completed manually and sent directly to Vero.
Claims Excess
- $200 for loss to a laptop computer under Section 2.
- $100 for any other claim under Section 2 and Section 5.
- $75 for any claim by a family member under Section 1.
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.
- 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, sexually transmitted illnesses or pregnancy terminations.
- The premium you pay to the University includes statutory levies and compensation paid to the University 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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