International students in New Zealand are required to have appropriate health insurance for the duration of their studies, so it’s important to understand your options. Most universities partner with specific providers like Studentsafe or Uni-Care, which offer comprehensive coverage for doctor visits, hospital care and personal liability. These policies are tailored to meet visa requirements and can often be paid along with your tuition fees.
If you prefer to arrange your own cover, you can choose from international travel insurance providers or local insurers. When comparing policies, check the level of coverage for GP consultations, prescriptions, emergency transport, dental and optical care, and whether pre-existing conditions are covered. Compare excess amounts, claim processes and whether you need to pay upfront and claim later or if costs are settled directly with medical providers.
Consider additional benefits such as mental health support, maternity cover or repatriation to your home country. It’s also worth reviewing whether your insurance includes coverage while travelling outside New Zealand during holiday breaks. Make sure your policy is valid for the entire length of your student visa and keep a copy of your policy documents handy for visa renewal and hospital visits.