保险对比 2026
Uni-Care NZ 学生计划vs.OrbitProtect国际学生保险
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件✓ 更新于 2026年4月✓ 独立对比
推荐计划对比：OrbitProtect国际学生保险 学生Prime版。每家供应商提供多个等级。
| 功能 | Uni-Care NZ 学生计划 — 国际学生保险查看详情 | 看病无现金OrbitProtect国际学生保险查看详情 |
|---|---|---|
| 价格 | ||
| 年保费 | NZD $724 | NZD $669 |
| 币种 | NZD | NZD |
| 医疗保障 | ||
| 医疗保障额度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. |
| 免赔额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. |
| 处方药 | 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. |
| 紧急送返回国 | 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. |
| 心理健康 | ||
| 心理健康保障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). |
| 牙科 | ||
| 牙科保障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. |
| 投保条件 | ||
| 年龄上限 | up to 60 | 5–60 |
| 可投保人群Country and visa requirements | 非新西兰居民，持有（或申请）新西兰学生签证，年满60岁或以下，在新西兰临时生活和学习。 | 在新西兰学习或计划学习且满足《移民法》入境要求的国际学生。 |
| 既往症 | 不自动覆盖。购买保单后，可在可选承保的基础上申请既往条件，需支付额外保费。 | 不会自动保障。可在申请时申请可选的保障——NZD $45评估费，如获批准需支付额外保费，保单可能会排除该病症的维持治疗。 |
| 访问Uni-Care NZ 学生计划 — 国际学生保险 → | 访问OrbitProtect国际学生保险 → | |
价格
年保费
NZD $724
NZD $669
币种
NZD
NZD
医疗保障
医疗保障额度
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.
免赔额
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.
处方药
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.
紧急送返回国
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.
心理健康
心理健康保障
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).
牙科
牙科保障
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.
投保条件
年龄上限
up to 60
5–60
可投保人群
Country and visa requirements
非新西兰居民，持有（或申请）新西兰学生签证，年满60岁或以下，在新西兰临时生活和学习。
在新西兰学习或计划学习且满足《移民法》入境要求的国际学生。
既往症
不自动覆盖。购买保单后，可在可选承保的基础上申请既往条件，需支付额外保费。
不会自动保障。可在申请时申请可选的保障——NZD $45评估费，如获批准需支付额外保费，保单可能会排除该病症的维持治疗。
常见问题
常见问题
是的。如果购买期限覆盖您的整个停留期间，新西兰学生计划满足新西兰移民局《牧养关怀实践守则》下的医疗和旅行保险要求。
12个月保单约为新西兰元$723.61（2026年4月通过Flywire新西兰学生健康门户网站验证）。较短期限按每日费率计价。
不是自动覆盖。购买保单后，您可在7天内申请既往条件保障。Uni-Care将逐一评估每项条件，如果可以提供保障，将提供额外保费报价。
是的。您的保单涵盖返回原籍国长达3个月的访问，以及前往澳大利亚、斐济、库克群岛、萨摩亚、汤加、纽埃、瓦努阿图、大溪地、巴厘岛和龙目岛长达31天的旅行。
一旦您更改签证类型，新西兰学生计划将不再有效。请联系Uni-Care切换到访客计划或澳洲太平洋计划以继续剩余停留期间的保障。
是的。OrbitProtect的国际学生计划旨在符合《国际学生牧养实践守则》，这是移民局用来验证学生签证保险的标准。
购买Prime或Lite保单后，您将获得OrbitPay卡，可以在新西兰注册医生和药房像EFTPOS卡一样使用。提供者直接向OrbitProtect收费，因此您无需提前支付也无需提交索赔。
2026年，Lite为NZD $669/年，Prime为NZD $786/年（已在OrbitProtect的"保费变更"页面上验证）。5–60岁人群按此价格计算；年长学生需获取手工报价。
找到最佳计划了吗？
比较更多计划或直接申请——几分钟内获得保障。