Comparaison d'assurances 2026
Uni-Care NZ Student Planvs.OrbitProtect International Student
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour avril 2026✓ Comparaison indépendante
Comparaison des formules recommandées : OrbitProtect International Student Student Prime. Chaque assureur propose plusieurs niveaux.
| Caractéristique | Uni-Care NZ Student PlanVoir détails | Cashless Doctor VisitsOrbitProtect International StudentVoir détails |
|---|---|---|
| Tarifs | ||
| Tarif annuel | NZD $724 | NZD $669 |
| Devise | NZD | NZD |
| Prestations médicales | ||
| Couverture médicaleMaximum payout for medical care | Unlimited medical expenses for illness or injury — no excess on medical claims. | Unlimited medical expenses for illness or injury — no excess on medical claims. |
| FranchiseWhat you pay before insurance kicks in | No excess on medical claims. NZD $100 excess on luggage, NZD $200 on technology, NZD $100 on personal liability. | No excess on medical claims. NZD $150 excess on personal-effects claims, NZD $50 on personal liability. |
| Médicaments sur ordonnance | Prescription medication included as part of qualifying medical treatment costs (no separate cap). | Pharmacy purchases at registered providers can be paid directly with the OrbitPay card — no claim form needed. |
| Rapatriement d'urgence | Unlimited evacuation and repatriation. NZD $10,000 mental health repatriation. Family travel costs to NZ up to NZD $100,000. | Unlimited medical evacuation and repatriation. Unlimited mental health repatriation. Family travel to NZ up to NZD $100,000. |
| Santé mentale | ||
| Couverture santé mentaleTherapy, counseling, psychiatric care | Mental illness covered up to NZD $20,000. | Mental illness covered up to NZD $20,000 (excluding self-injury and attempted/actual suicide). |
| Dentaire | ||
| Couverture dentaireWhat dental treatments are covered | Emergency dental treatment unlimited (subject to policy wording). Optical NZD $300 (policies of 6+ months). | Emergency dental up to NZD $500 (NZD $1,500 for dental injuries covered by NZ's ACC). Optical up to NZD $250. |
| Éligibilité | ||
| Limite d'âge | up to 60 | 5–60 |
| Qui peut souscrireCountry and visa requirements | Non-NZ residents holding (or applying for) a New Zealand student visa, aged 60 or under, while temporarily living and studying in New Zealand. | International students studying or planning to study in New Zealand who meet Immigration Act entry requirements. |
| Affections préexistantes | Not automatically covered. Optional cover available on application after policy purchase, for an additional premium. | Not automatically covered. Optional cover on application — NZD $45 assessment fee, with possible additional premium and conditions if accepted. |
| VisiterUni-Care NZ Student Plan → | VisiterOrbitProtect International Student → | |
Uni-Care NZ Student PlanVoir détails
Tarifs
Tarif annuel
NZD $724
NZD $669
Devise
NZD
NZD
Prestations médicales
Couverture médicale
Maximum payout for medical care
Unlimited medical expenses for illness or injury — no excess on medical claims.
Unlimited medical expenses for illness or injury — no excess on medical claims.
Franchise
What you pay before insurance kicks in
No excess on medical claims. NZD $100 excess on luggage, NZD $200 on technology, NZD $100 on personal liability.
No excess on medical claims. NZD $150 excess on personal-effects claims, NZD $50 on personal liability.
Médicaments sur ordonnance
Prescription medication included as part of qualifying medical treatment costs (no separate cap).
Pharmacy purchases at registered providers can be paid directly with the OrbitPay card — no claim form needed.
Rapatriement d'urgence
Unlimited evacuation and repatriation. NZD $10,000 mental health repatriation. Family travel costs to NZ up to NZD $100,000.
Unlimited medical evacuation and repatriation. Unlimited mental health repatriation. Family travel to NZ up to NZD $100,000.
Santé mentale
Couverture santé mentale
Therapy, counseling, psychiatric care
Mental illness covered up to NZD $20,000.
Mental illness covered up to NZD $20,000 (excluding self-injury and attempted/actual suicide).
Dentaire
Couverture dentaire
What dental treatments are covered
Emergency dental treatment unlimited (subject to policy wording). Optical NZD $300 (policies of 6+ months).
Emergency dental up to NZD $500 (NZD $1,500 for dental injuries covered by NZ's ACC). Optical up to NZD $250.
Éligibilité
Limite d'âge
up to 60
5–60
Qui peut souscrire
Country and visa requirements
Non-NZ residents holding (or applying for) a New Zealand student visa, aged 60 or under, while temporarily living and studying in New Zealand.
International students studying or planning to study in New Zealand who meet Immigration Act entry requirements.
Affections préexistantes
Not automatically covered. Optional cover available on application after policy purchase, for an additional premium.
Not automatically covered. Optional cover on application — NZD $45 assessment fee, with possible additional premium and conditions if accepted.
FAQ
Questions fréquemment posées
Yes. When taken out for the full duration of your stay, the NZ Student Plan satisfies Immigration New Zealand's medical and travel insurance requirement under the Code of Practice for Pastoral Care.
About NZD $723.61 for a 12-month policy (verified via Flywire's NZ student health portal, April 2026). Shorter periods are priced at a daily rate.
Not automatically. After buying a policy you can apply for pre-existing conditions cover within 7 days. Uni-Care will assess each condition and quote an additional premium if cover can be offered.
Yes. You're covered for visits up to 3 months back home (country of origin), plus trips of up to 31 days to Australia, Fiji, the Cook Islands, Samoa, Tonga, Niue, Vanuatu, Tahiti, Bali and Lombok.
The NZ Student Plan is no longer valid once you change visa type. Contact Uni-Care to switch to the Visitor Plan or Australasian Plan for the rest of your stay.
Yes. OrbitProtect's International Student plans are designed to meet the Code of Practice for Pastoral Care of International Students, the standard Immigration NZ uses to validate student visa insurance.
After buying a Prime or Lite policy you receive an OrbitPay card you can use like an EFTPOS card at registered NZ GPs and pharmacies. The provider charges OrbitProtect directly, so you don't pay upfront and don't submit a claim.
For 2026, Lite is NZD $669/year and Prime is NZD $786/year (verified on the OrbitProtect 'Premium changes' page). Pricing is for ages 5–60; older students get a manual quote.
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