Sigorta Karşılaştırması 2026
Uni-Care NZ Student Planvs.OrbitProtect Uluslararası Öğrenci Sigortası
Avantajları, maliyetleri ve kapsam detaylarını içeren bağımsız karşılaştırma.
✓ Resmi poliçe belgelerine dayalı✓ Güncellendi Nisan 2026✓ Bağımsız karşılaştırma
Öne çıkan planların karşılaştırması: OrbitProtect Uluslararası Öğrenci Sigortası Student Prime. Her sağlayıcı birden fazla kademe sunar.
| Özellik | Uni-Care NZ Student Plan — Uluslararası Öğrenci SigortasıDetaylar | Doktor Ziyaretlerinde Nakit Ödeme YokOrbitProtect Uluslararası Öğrenci SigortasıDetaylar |
|---|---|---|
NZD $724 | NZD $786 | |
NZD | NZD | |
Unlimited medical expenses for illness or injury — no excess on medical claims. | Unlimited medical expenses for illness or injury — no excess on medical claims. | |
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. | |
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. | |
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. | |
Mental illness covered up to NZD $20,000. | Mental illness covered up to NZD $20,000 (excluding self-injury and attempted/actual suicide). | |
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. | |
up to 60 | 5–60 | |
Yeni Zelanda'da ikamet etmeyenler (veya başvuran) Yeni Zelanda öğrenci vizesine sahip, 60 yaş ve altında, Yeni Zelanda'da geçici olarak yaşayan ve öğrenim gören kişiler. | Yeni Zelanda'da eğitim gören veya eğitim almayı planlayan ve Göç Yasası giriş gerekliliklerini karşılayan uluslararası öğrenciler. | |
Otomatik olarak kapsanmaz. Poliçe satın aldıktan sonra başvuruyla isteğe bağlı kapsam mevcuttur, ek prim karşılığında. | Otomatik olarak kapsanmaz. Başvuruda isteğe bağlı kapsamı mevcut — NZD $45 değerlendirme ücreti, onaylanması halinde ek prim ve koşullar uygulanabilir. | |
| Ziyaret EtUni-Care NZ Student Plan — Uluslararası Öğrenci Sigortası → | Ziyaret EtOrbitProtect Uluslararası Öğrenci Sigortası → |
Uni-Care NZ Student Plan — Uluslararası Öğrenci SigortasıDetaylar
NZD $724
NZD $786
NZD
NZD
Unlimited medical expenses for illness or injury — no excess on medical claims.
Unlimited medical expenses for illness or injury — no excess on medical claims.
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.
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.
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.
Mental illness covered up to NZD $20,000.
Mental illness covered up to NZD $20,000 (excluding self-injury and attempted/actual suicide).
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.
up to 60
5–60
Yeni Zelanda'da ikamet etmeyenler (veya başvuran) Yeni Zelanda öğrenci vizesine sahip, 60 yaş ve altında, Yeni Zelanda'da geçici olarak yaşayan ve öğrenim gören kişiler.
Yeni Zelanda'da eğitim gören veya eğitim almayı planlayan ve Göç Yasası giriş gerekliliklerini karşılayan uluslararası öğrenciler.
Otomatik olarak kapsanmaz. Poliçe satın aldıktan sonra başvuruyla isteğe bağlı kapsam mevcuttur, ek prim karşılığında.
Otomatik olarak kapsanmaz. Başvuruda isteğe bağlı kapsamı mevcut — NZD $45 değerlendirme ücreti, onaylanması halinde ek prim ve koşullar uygulanabilir.
SSS
Sık Sorulan Sorular
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.
En iyi planınızı buldunuz mu?
Daha fazla plan karşılaştırın veya doğrudan başvurun — dakikalar içinde sigortalanın.