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 |
|---|---|---|
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 | |
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。 | |
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 → |
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
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。
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
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.
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。