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Medical Insurance Costs and Insurance

To be able to take out private health insurance in New Zealand, you must be eligible for our public health system. If you are not eligible, make sure you get comprehensive travel insurance before you leave home.

Medical insurance gives you the advantage of being able to choose the doctor, specialist or surgeon you prefer and also more control over when and where you are treated.

A number of insurance companies offer medical insurance and there are two main types of policy:

  • ‘Comprehensive cover’ policies cover you for all your medical costs, including GP visits and prescriptions.
  • It’s more common however to choose policies providing cover for specific combinations of specialist care and elective (non-urgent) surgery.

Life Direct, a privately-operated website, has useful information about health insurance, and the ability to compare policies from a range of New Zealand health insurance providers.

International students must have appropriate and current medical and travel insurance in place while studying in New Zealand.

If a student purchases his/her own insurance, the student needs to make sure it meets the standards set by the Code of Practice for the Pastoral Care of international Students. Copies of The Code in English and other languages are available from the New Zealand Ministry of Education. Please present UUNZ with an insurance policy that meets the requirements before the programme start date.