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OrbitProtect International Student
Two-tier student insurance for New Zealand with the OrbitPay card for cashless GP and pharmacy visits — meets visa requirements.
From NZD $669/yr–786/yr
✓ Visa Compliant
5–60 Age Limit
Last updated: April 27, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Student Lite | Recommended Student Prime |
|---|---|---|
| Core Coverage | ||
| Outpatient Treatment | Not covered | Not covered |
| Hospital (Inpatient) | Not covered | Not covered |
| Medication | Not covered | Not covered |
| Deductible / Co-pay | Not covered | Not covered |
| Dental & Vision | ||
| Dental Care | Not covered | Not covered |
| Dental Budget | Not covered | Not covered |
| Vision | Not covered | Not covered |
| Additional Benefits | ||
| Mental Health | Not covered | Not covered |
| Pregnancy & Maternity | Not covered | Not covered |
| Telemedicine | | |
| Repatriation | | |
| Visa Compliant | | |
| ApplyStudent Lite → | ApplyStudent Prime → | |
Student Lite
Student Prime Recommended
Core Coverage
Outpatient Treatment
Not covered
Not covered
Hospital (Inpatient)
Not covered
Not covered
Medication
Not covered
Not covered
Deductible / Co-pay
Not covered
Not covered
Dental & Vision
Dental Care
Not covered
Not covered
Dental Budget
Not covered
Not covered
Vision
Not covered
Not covered
Additional Benefits
Mental Health
Not covered
Not covered
Pregnancy & Maternity
Not covered
Not covered
Telemedicine
Repatriation
Visa Compliant
What's Covered
Benefits and coverage details.
Included
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)
Brochures and online quotes available in English, Mandarin and Korean
Not Covered
Lite plan has no automatic luggage cover (extras only on request)
Pre-existing conditions require a NZD $45 assessment plus extra premium
Lite plan excludes kidnap-and-ransom benefit (covered in Prime up to NZD $50,000)
Prime is more expensive than Uni-Care for similar 12-month cover
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age Group Monthly Premium
Fulfills insurance obligation
FAQ
Frequently Asked Questions about OrbitProtect International Student
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.
Prime adds automatic luggage cover (up to NZD $10,000), kidnap-and-ransom cover (NZD $50,000), unlimited mental-health repatriation, and unlimited expatriation. Lite is the cheapest visa-compliant option but you specify any luggage you want covered.
Not automatically. You can apply for pre-existing condition cover at policy purchase. OrbitProtect charges a NZD $45 assessment fee; if approved, you'll pay an additional premium and the policy may exclude maintenance treatment for the condition.
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