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MEDICAL AND TRAVEL INSURANCE: International students must have
appropriate and current medical and travel insurance while studying in New
Zealand. An independent consultant to CCA, after comparing 130 insurance
policies world wide, considers the following levels of covers to be
appropriate.
Minimum level of cover (NZ$)
$600,000
for hospitalisation, general practitioners, and
prescriptions for both accident and sickness.
$600,000
for medical rescue/repatriation should you
becomes seriously ill or injured and need to be accompanied home with a
medical professional.
$10,000
for funeral expenses and repatriation of the body
back home.
$20,000
for accompanying relative cover. If you becomes
seriously ill or die, cover is required to support a relative to accompany
and support you. This should include the relative's day-to-day accommodation,
reasonable living costs and the cost of airfares.
$15,000
to fly you home should a member of your immediate
family become critically ill or die.
$20,000
for death or disability benefit.
$1,000,000
for personal liability.
$3,000
for travel delay and missed transport connection.
In addition, the following requirements must also
be met:
The insurance commences on the day the student
begins their travel.
The insurance applies whilst the student is in
transit.
The insurance applies 24 hours a day for the
total period of travel overseas.
The insurer must provide 24-hour, 7 day per week
emergency services capable of arranging emergency transport.
Any excess or co-insurance must not exceed
NZ$1000.
The insurer (or re-insurer) is a reputable and
established company with substantial experience in the travel insurance
business. The credit rating must be no lower than BBB from Standard and
Poors, or B+ from A M Best.
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