InternationalStudentTravel Insurance
Here’s something worth learning before
you study in New Zealand.

We understand
students likeno one else.
If you’re an international student studying in New Zealand,
the Government requires you to have medical and travel
insurance while you’re here.
OrbitProtect Student is no ordinary medical and travel
insurance. It’s been designed just for you. Whether you live
in a flat or a home stay, your possessions are covered.
OrbitProtect Student even covers you during your journeyfrom home to New Zealand.
All our plans are underwritten by Zurich Australia Insurance(ZAIL), trading as Zurich New Zealand.

Things can go wrong even in New Zealand!

Medical careIf you unexpectedly become ill, or suffer an accident orinjury, you won’t have to worry about paying for your medicalcare. We will pay for your doctor, hospital and day caretreatment costs.

Medical cover: evacuation/return home

In serious circumstances, as a result of injury or illness, you
may need to be returned to your country of origin. At such a
stressful time we will help you by organising your safe returnhome and by covering some of the costly expenses, allowing
you to focus on the most important matter – your recovery.
Please read the IMPORTANT INFORMATION section of thisbrochure. There are benefits and limitations to consider.

Loss of tuition feesIf, due to unforeseen circumstances (as specified in the policy),
you have to cancel your course (for example due to illness orinjury) we will reimburse you for any loss of tuition fees.

Property

We understand that you may be in New Zealand for a long
period of time and may have a wide range of personal
property with you. The Prime plan provides you with agenerous amount of cover for your general property or you
have the option to insure specific items under the Lite plan.
IMPORTANT: Please read the Benefits Summary on thisbrochure and visit www.orbitprotect.com for all terms,
conditions, exclusions and excesses that apply to theseinsurance plans.

Individual high-valued items

The Prime plan gives you full cover for any items, pair or setsof items (like cameras or computers) that are valued in excessof NZ$3,000 when you specify these items on the application
form. You can also specify property cover under the Lite plan
(additional premiums apply).

Pre-existing medical conditions

You are NOT automatically covered for pre-existing medicalconditions. However, cover can be arranged in certain
circumstances for a small processing fee of NZ$45.
Additional premium applies if we agree to cover yourpre-existing medical conditions.

Special medical benefit!

There are advantages in continuing unbroken cover with us,
but please understand we are not obliged to provide you witha new policy when your current policy ends. Please contact us
for more information.

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Benefits summary

You are covered in New Zealand, but where else does cover apply?
If you travel from...

then you are covered for a maximum of...

Your country of origin toNew Zealand and return

9 days for any one trip

New Zealand to Australia and theSouth West Pacific

31 days in total during the periodof insurance

Cover benefits
Medical expenses

Prime

Lite

1

Medical expenses

Unlimited. Expenses
must be incurred within
12 months of disablement

Same as Prime

2

Medical expenses in your countryof origin, if returning for holidays

Up to $200,000.
Limited to trips of 90 days

Same as Prime

3

Alternative medical treatment inNZ. General Practitioner referredtreatment by an Osteopath,
Chiropractor or Acupuncturist

Up to $300(per annum)Same as Prime

4

Evacuation/return to country oforigin if you become disabled

Unlimited for travel
expenses involved. Up to$20,000 for continuing
medical costs

Same as Prime

5

Other persons’ travel andaccommodation costs to travel
to be with you

Up to $100,000. A daily
accommodation limit in
NZ of $250 to a maximumof $5,000 applies

Same as Prime

6

Funeral and cremation, or returning
remains to your country of origin

Up to $100,000

Same as Prime

7Home nursing care whilst disabled

Up to $50,000

Same as Prime

8Emergency dental treatment

Up to $500. For NZ dental
injuries covered by ACC(Accident CompensationCorporation) cover is up to$1,500

Same as Prime

9Cash allowance whilst in hospital(after 24 hours)

Up to $100 per day to amaximum of $3,000 in NZ
and $10,000 overseas

Same as Prime

10Accidental death

Up to $50,000 ($10,000if under 16 years)

Same as Prime

Up to $250

Same as Prime

11 Optical including prescription

lenses and frames

Property

Prime

Lite

Property is covered for its
replacement cost (“new for old”)
irrespective of age. Clothing andfootwear that are more than
12 months old are settled on adepreciated basis (“new costwith a deduction for wear”).
The maximum value per item
you can specify is $10,000.
The limit of the total value of all
items specified is $30,000

Up to $10,000 plus
specified items. Maximum
cover on any item, pairs orsets of items is NZ$3,000
without specifying

Property is not
automaticallycovered.
You need tospecify items
that you wantcover for2

Loss or damage of personal
documents

Up to $3,000

Same as Prime

3

Theft of money

Up to $1,000

Same as Prime

12

Cover limits (NZ$)

Cover benefits
Disrupted travel cover

Cover limits (NZ$)
Prime

Lite

Additional travel andaccommodation costs if travelplans are disrupted by strikes,
weather, etc

Up to $10,000

Same as Prime

Purchase of essential clothing
and toiletries, if all your luggage
is delayed for more than 6 hours

Up to $200

Same as Prime

3

Additional costs incurred on early
return home

Up to $100,000

Same as Prime

4

Missed connection costs

Up to $10,000

Same as Prime

5

Legal costs for false arrest
and/or wrongful detention

Up to $10,000(not in country of origin)

Same as Prime

1

2

Loss of Deposits
Cancellation of travel andeducational arrangements
Personal liability
Legal liability for accidental deathor injury or property damage
Search and rescue
Private search and rescue
Kidnap and ransom
Reimbursement for ransom
monies paidPrime
Up to $100,000

Prime
Up to $2,500,000

Prime
Up to $10,000

LiteSame as Prime

Lite
Same as Prime

Lite
Same as Prime

Prime

Lite

Up to $50,000

Not covered

Excesses that apply to both plans:
Item

Excess (NZ$)

Property$150

Personal liability$ 50

Online claims submission
For a quick outcome, submit your claim online!
At www.orbitprotect.com
www.orbitprotect.com, click on the link to our online claims
system. You only need to register once. After which, you simply
have to log in anytime you need to make a claim.

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IMPORTANT INFORMATION
you need to know• 	We only provide cover for unexpected costs. It is your responsibility to pay for
medical check ups and treatment for the maintenance of your physical anddental health.
•We will not provide cover if you travel against medical advice.

• 	We do not provide cover for property claims if you leave your property
unattended in a public place or in an unsecured location.
• 	We do not provide cover for luggage you leave in an unlocked vehicle. We do
if the vehicle is locked but is limited to a maximum of NZ$1500 per item andNZ$10,000 in total.
• 	You must report any loss or theft of property to the police or authorities within
24 hours and obtain a written report.
• 	Cover will not be provided if alcohol, drugs or illegal activities are involved inany event that causes you any injury or loss.
• 	If you want to make a claim for an injury that occurred in New Zealand,
you must first make a claim to the New Zealand Accident Compensation
Corporation (ACC).
• 	Cover will not be provided if you are injured whilst undertaking manual
work, unless we have agreed to cover your work in writing. You do notneed to obtain our agreement to the following work categories as they areautomatically covered:– Retail– Accommodation– Pubs, taverns and bars
– Cafes, restaurants– Horticulture• 	If you are returning to your home country for a holiday your medical covercontinues for 90 days (limit $200,000) from the time you leave New Zealand.
Loss of deposits (policy Section 4) continues to apply but the balance of yourcover is suspended until you return to New Zealand.
•In a serious medical situation, you may need to return to your country of origin.
Should this happen, we can help you in a number of ways:– If returning to your country of origin is not safe, you have unlimited dollar
value cover for necessary treatment in New Zealand for up to 12 months
from the date the medical condition developed, or until it’s safe to return toyour country of origin (whichever comes first).
– Returning you to your country of origin with medical support (supportedby a nurse and or doctor during the flight) is at our discretion, based on
medical advice, your safety, wellbeing, and overall costs.
– If we conclude that medical support is required to return you to yourcountry of origin, up to NZ $20,000 is available for treatment at home for
12 months from the date the condition first developed. If you have otherinsured or free treatment options in your country of origin, the $20,000 is
only available if the other options fall short.
– If we establish it’s safe for you to return to your country of origin without
medical support, the NZ $20,000 treatment cover is not available inyour country of origin but remains available for necessary New Zealandtreatment. The New Zealand treatment cover is available for 12 months fromthe date the condition first developed. The limit cannot be increased even if
your health deteriorates. If you have other insured or free treatment options
in New Zealand, the $20,000 is only available if the other options fall short.

4Our competitive premiums (NZ$)
Period of cover

Prime

Lite

1 month$ 75$45

2 months

$128

$88

3 months

$168

$113

4 months

$217

$134

5 months

$262

$170

6 months

$299

$202

7 months

$349

$237

8 months

$396

$270

9 months

$442

$304

10 months

$487

$337

11 months

$531

$371

12 months

$571

$396

13 months

$611

$415

14 months

$654

$436

All prices are inclusive of GST and government levies
where applicable.
• 	You need to pay an additional premium on specified
items of 2.0% (Example: A $5000 item x .020 = NZ$100)•		Age premium loadings– Aged 61–65 add 75% to the individual premium table– Aged 66–80 can be considered on application
Refer to the policy wording at www.orbitprotect.com for
all terms, conditions, exclusions and excesses that apply tothese insurance plans.

How do you apply for cover?
To apply for cover, you can either:• Contact your agent• Visit us at www.orbitprotect.com, or• Telephone us on 0800 478 833 (within New Zealand)or +64 3 434 8151 (outside of New Zealand).

OrbitProtect
Worldwide AssistanceIf you are coveredby one of our
insurance plans
and the unexpectedoccurs, you canphone us on:

0800 478 833 (0800 4 STUDENT)
within New Zealandor+64 3 434 8151 anywhere elsein the world for advice when you need it.
We are always just a phone call away,
24 hours a day, 7 days a week.

How can you contact us?
If you need further information or assistance with claims,
please call us on our toll free numbers below or visit us atwww.orbitprotect.com
Within New Zealand
0800 478 833(0800 4 STUDENT)

From outside New Zealand+64 3 434 8151

OrbitProtect Ltd
PO Box 2011, Christchurch 8140, New Zealand.
Fax: + 64 3 379 0252
Email: service@orbitprotect.com

Zurich Australian Insurance Limited’s (ZAIL) Financial Strength is A+
from Standard & Poor’s Australia.
Standard & Poor’s rating scale for an insurer’s financial strength, together with a summary ofStandard & Poor’s description is:
AAA = Extremely Strong
BBB = Good
CCC = Very Weak
NR = Not Rated

AA = Very Strong
BB = MarginalCC = Extremely WeakA = Strong
B = Weak
R = Regulatory Supervision

Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign toshow relative standing within the major rating categories. Further information on these ratings
is available from www.standardandpoors.com
www.zurich.co.nz/about-us/financial-strength
An overseas policyholder preference applies. Under Australian law, if ZAIL is wound up,
its assets in Australia must be applied to its Australian liabilities before they can be applied tooverseas liabilities. To this extent, New Zealand policyholders may not be able to rely on ZAIL’s
Australian assets to satisfy New Zealand liabilities.

DISCLAIMER: The information contained in this brochure is brief and subject to change.
Please refer to the OrbitProtect wordings for all terms and conditions. Information herein shows ourpremiums valid from December 2021 and are subject to change without prior notice.
(This cover is not available to NZ residents).

International
Student
Insurance

Insured Name:

Certificate of Insurance No.

www.orbitprotect.com

ISE2021/10