Alternative insurance

Choosing an alternative policy

If you don't want to purchase a Studentsafe Inbound University Policy, you must purchase an approved alternative policy instead. You will need to either choose from the list of pre-approved alternative insurance policies below or apply to have your alternative policy assessed before you can complete your enrolment. 

Providing evidence of your alternative pollicy

You must provide a certificate of insurance to the Enrolments team before you accept your Enrolment Agreement (normally when you attend your Enrolment in Person session) as evidence you have arranged suitable alternative insurance.

The certificate must show the start date and expiry date of the insurance and these dates must cover your enrolment from the official enrolment start date to the expiry date of your current student visa. If your student visa covers the full duration of your programme of study, your insurance must provide cover at least until the end date of your current enrolment.  

If evidence is not provided before enrolment is finalised, UC-arranged insurance will be applied and charged accordingly, and alternative insurance can only take effect from the start of the next teaching period. Any applicable refund or adjustment of UC-arranged insurance premiums will be calculated from the start date of that teaching period, provided no claims have been made under the UC-arranged insurance policy.

Pre-approved alternative insurance policies

The following alternative insurance plans have been assessed and are compliant for studying in NZ:

*There is a minimum claim value of £100 for claims made by individuals.

Getting your alternative insurance policy approved

If you intend to use an alternative insurance plan that is not listed above, you must apply to have your cover assessed at least four weeks before you complete your Enrolment in Person. Email the Enrolments team with the following details:

• a pdf copy of the full insurance policy wording (in English)
• a pdf copy of the policy benefit summary, specifying each benefit amount (in English)

Your alternative insurance policy must meet the following minimum criteria.

• NZ$1,000,000 for hospitalisation, general practitioners, and prescriptions
• NZ$600,000 for medical rescue/repatriation should you becomes seriously ill or injured and need to be accompanied home with a medical professional
• NZ$15,000 for funeral expenses and repatriation of the body back home
• NZ$30,000 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
• NZ$20,000 to fly you home should a member of your immediate family become critically ill or die
• NZ$20,000 for death or disability benefit
• NZ$1,000,000 for personal liability
• NZ$5,000 Loss or damage to baggage and other personal effects
• NZ$5,000 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 emergency 24-hour, 7 day per week cover.
• Any excess or co-insurance must not exceed NZ$1000.
• The broker or agent promoting the policy is a reputable and established company with substantial experience in the travel and medical insurance business.
• 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.

The "sums insured" must be very high so that they will not be exceeded in any possible claim. All criteria must be met under a single policy; combinations of multiple policies are not accepted. 

Note: If an insurance company imposes additional restrictions, conditions or exclusions on the insurance cover offered by the master policy, the University reserves the right not to accept the insurance policy as a compliant policy.