NZ Student Health
Student Health Insurance New Zealand — Compare Plans
Health and travel insurance for international students in New Zealand. Compare StudentSafe, Uni-Care, and Southern Cross.
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OrbitProtect International Student
OrbitProtect
Two-tier student insurance for New Zealand with the OrbitPay card for cashless GP and pharmacy visits — meets visa requirements.
From NZD $669/yr
- OrbitPay card lets you pay GPs and pharmacies directly — no claim forms
- Two pricing tiers (Lite and Prime) so you can match cover to budget
- Unlimited medical, evacuation and repatriation
- Backed by nib NZ (financial-strength rated insurer)
Uni-Care NZ Student Plan
Uni-Care
Comprehensive medical and travel insurance for international students in New Zealand — meets Immigration NZ visa requirements.
- Specialist NZ student insurance with 25+ years of experience
- Unlimited medical and unlimited emergency dental cover
- No excess on medical claims
- Generous luggage cover (NZD $15,000) and personal liability (NZD $2.5M)
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FAQ
Frequently Asked Questions
Yes. The New Zealand Code of Practice for the Pastoral Care of International Students requires all international students to have appropriate health and travel insurance for the entire stay.
Annual student health insurance in New Zealand typically costs NZD $400–$900 per year. Common providers include StudentSafe (Allianz), Uni-Care, and Southern Cross Travel Insurance.
No. International students are not eligible for the public health system unless on a course longer than two years. Private student insurance is required to cover medical, hospital, and travel needs.
Standard cover includes GP visits, hospital stays, prescriptions, mental health, dental emergencies, repatriation, and travel-related items like lost luggage and trip cancellation.
Many NZ universities and language schools offer StudentSafe automatically as part of enrollment. You can usually opt out and choose your own plan if you prefer.
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