Studentsafe
Information about Studentsafe - Inbound University policy, covering medical and travel expenses for international students at the University of Waikato.
You can purchase the Studentsafe - Inbound University policy through the University.
This will automatically be added and charged to your Enrolment Agreement. If you prefer you can choose to purchase an alternative approved policy and provide a copy of the cover to the university at least two weeks before the start of your course of study.
Studentsafe policies
The Studentsafe Inbound University (opens in a new tab) policy will automatically be added to your Enrolment Agreement, and the cost will be charged accordingly. If you prefer, you can choose to purchase an alternative approved policy (opens in a new tab) and provide a copy of your Record of Cover by emailing int.insurance@waikato.ac.nz at least two weeks before the start of your enrolment date.
Studentsafe Inbound University Rates for 2027
- Single Student monthly rate $83.25 (minimum 2 month charge applies)
- Short Students (studying for less than 4 weeks) $83.25
- Single Student annual rate (12 months) $999
- Family rate for student plus partner/spouse (12 months) $1,998 ($999 x 2)
- Family rate for student plus 2 or more family members (12 months) $2,997 ($999 plus $1,998)
Part-year and annual students
- If you are studying for one semester or a full year, the premium is $499.50 for one semester (6 months) or $999 for a full year (12 months). These premiums apply to Study Abroad and Exchange, Postgraduate Diploma, Master’s and MBM students.
- For most students, cover will be provided to the expiry date of your current approved visa. See policy wording (opens in a new tab) under ‘Cover End Date’ page 6 and 7.
Short course (courses with a duration of 4 weeks or less)
- For students on a Visitor Visa attending courses with a maximum duration of 4 weeks you will be charged $83.25 for insurance cover from your enrolment start date to your enrolment end date.
Family Cover
- Family members can also be covered under the Studentsafe Inbound University policy. Family members are defined as your Spouse and your financially dependent children and legal wards 18 years of age and under who remain in your full custody and control. It does not include other family members such as parents, grandparents, aunts or uncles.
- If you or a family member require cover for pre-existing medical conditions, please complete the Medical Risk Assessment Form (opens in a new tab) and email it to medicalassessments@allianz-assistance.co.nz. If you have any questions about cover for pre-existing medical conditions or would like to discuss your options, please contact Studentsafe directly on 0800 486 004.
Applying for Family Cover
- Family cover must align with the student's enrolment dates. Please email the completed Family Application Form (opens in a new tab) to int.insurance@waikato.ac.nz at least two weeks before the student's enrolment start date.
- Cover commences 31 days prior to the student’s enrolment start date. Family members receive the same benefits as the student.
Renewals and Changes to Family Cover
- Students are responsible for advising us of any changes to or additions to their family cover policy and for renewing the cover before the policy expiry date.
For further information, please contact the Insurance Administrator at int.insurance@waikato.ac.nz.
Studentsafe Insurance FAQs
- A comprehensive policy covering medical and related expenses; repatriation and travel disruption; luggage, personal effects, travel documents, money and credit cards; death and disablement by injury; personal liability; kidnap and ransom; rental vehicle collision damage and theft excess waiver.
- The limit on personal items is $2500. Including such items as a laptop, camera and bicycle.
- For detailed information on what the policy does and does not cover please refer to the Studentsafe-Inbound University policy (opens in a new tab). Note that certain conditions/exclusions apply.
- Any pre-existing medical condition will need to be accepted by the insurers.
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Cover can be arranged in certain circumstances by completing a medical assessment form (opens in a new tab) and emailing it to medicalassessments@allianz-assistance.co.nz. If the insurer agrees to provide additional cover, an additional premium will apply and must be paid directly to the insurance provider.
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Please note, any additional premium must be paid within 14 days of receiving the outcome of your Medical Assessment, or within 31 days of your arrival into New Zealand / first enrolment, whichever happens first.
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- The premium will be attached to your enrolment and fees invoice automatically.
- Payable at the same time when paying for your tuition fees.
- Travel (up to 31 days en route) to the university is covered, even if the premium is not paid until arrival.
- Cancellation/refund needs approval.
- Please email int.insurance@waikato.ac.nz to request a refund. You will be advised on your situation.
- Family cover for partner / spouse and all children up to and including age 18 (providing they are at school) can be covered for an extra fee.
- Family members named on the policy receive the same benefits as the student.
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A family application form (PDF) (opens in a new tab) needs to be downloaded and completed, the emailed to int.insurance@waikato.ac.nz for processing
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Once processed, an additional premium will be invoiced on your student account to make payment.
- Submit a claim online (opens in a new tab).
- If you purchase laptops or cameras before coming to New Zealand please keep your receipts as proof of purchase and of ownership.
- The insurance company require proof of ownership before settling claims.
- An excess applies on personal effects and items claimed for under Section 3 of the policy.
- All Studentsafe insured students can visit the Campus Health Centre who will check your insurance details.
- If everything is in order the Health Centre will submit your claim for you. You will not need to pay them.
- Family members are unable to attend the centre. This is a service for students only.
- You should attend the 24 hour Accident & Emergency Centre at Anglesea Clinic, Anglesea Street, Hamilton.
- You will be required to register the first time you visit and pay them for your consultation.
- Keep the receipt and send with your claim form to Allianz.
- After visiting Campus Health take your prescription to the Campus Pharmacy they will bulk bill the insurance company for you.
- If you have prescriptions for medicines that are not on the Pharmac List you will be required to pay for those.
- The pharmacist will advise you about the cost.
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Specsavers (opens in a new tab) (opens in a new tab)have an arrangement with the insurers which allows them to make your claim on your behalf. The annual limit of this claim is $200.
- You are required to register online (opens in a new tab) before you visit the store. State in the text box what you need e.g. eye test and new frames or spectacles lost, stolen or broken to be replaced.
- Specsavers will contact you to make an appointment.
- Once you have your appointment visit the store for your test and choose your glasses.
- You may, however, choose any optometrist you like by booking an appointment and paying them for the glasses and eye test then submitting your claim for re-imbursement.
- Vehicle insurance.
- General dental treatment.
- Emergency treatment is covered with certain conditions.
- Pregnancy, giving birth, abortion or sexually transmitted disease.
- Health checks for visa applications.
- Health screening, medical and dental reviews and vaccinations.
- Extreme sports as listed in the general exclusions in the policy wording.
No. If you purchase a vehicle you should purchase vehicle insurance.
- Either: fully comprehensive which covers your vehicle and any other involved in a collision
- Or: third party fire and theft. This will repair another vehicle if you are to blame or pay out for fire or theft of your vehicle.
- You are covered for 31 days before the course start date.
- All sections of the policy will be covered.
- You are covered for 16 days for temporary visits to Australia, Bali, Lombok and the Islands of the South Pacific.
- You may travel to your country of origin under certain circumstances with full cover. Please contact the insurance department for further details.
- In some circumstances you may need another policy from our insurers. They offer Studentsafe Outbound or Explorersafe Outbound policies.
- The university operates a 'visa extension' policy whereby you are covered until the expiry date of your current student visa in New Zealand.
- We advise you check with the insurance adviser before departure.
- If you are planning to stay in NZ beyond the expiry date of your visa you will need to arrange extra cover. Please check by emailing the Insurance Office.
- Your policy must be compliant with the code of practice (opens in a new tab).
- If it is compliant there is no need to purchase further insurance.
- See our webpage about alternative insurance policies.
- If it is not listed as fully compliant/approved please send it for assessment at least two weeks before course start date to int.insurance@waikato.ac.nz.
- Your policy must be in english from the insurance company.
- You must contact the insurance company to notify them of your change of status.
- Allianz continues to fully insure students gaining permanent residency for 21 days from the date their status changed. After that time you have two options:
- If you have not made any claims in the current insurance period, you can apply for a refund of the unused portion of the insurance. Download the refund form (opens in a new tab).
- If you have made claims, you can continue to use the policy for the rest of the insurance period, with the exception of section 1A medical and related expenses. This is because as a permanent resident you will have access to publicly funded healthcare for emergencies and health maintenance.
- Find out if you are eligible for publicly funded healthcare on the Ministry of Health (opens in a new tab) website.
- Generally the only international students eligible for free public health care in New Zealand are those on scholarships funded under the New Zealand Aid Programme or Commonwealth Scholarship Programme.
- Recipients (and their family) of a work visa issued for 2 years or longer may also be eligible.
- Visit your doctor who will guide you in the process
- Doctors' visits and treatments are subsidised by the government but charges may apply.
- The Accident Compensation Corporation (ACC) provides accident insurance for all New Zealand citizens, residents, and temporary visitors to New Zealand.
- Further information can be viewed on the Accident Compensation Corporation (opens in a new tab) website.
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Your record of cover/insurance certificate will be emailed to you during your enrolment period.
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You do not need to provide an insurance certificate or record of cover when arriving in New Zealand; you only need to declare that you hold insurance as part of your visa application.
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If you’d like confirmation before you arrive, your formal offer of place and receipt can be used as evidence that the insurance fee has been charged and paid.
- You must contact the insurance company to notify them of your change of status.
- Allianz continues to fully insure students gaining permanent residency for 21 days from the date their status changed. After that time you have two options:
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If you have not made any claims in the current insurance period, you can apply for a refund of the unused portion of the insurance.
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If you have made claims, you can continue to use the policy for the rest of the insurance period, with the exception of section 1A medical and related expenses. This is because as a permanent resident you will have access to publicly funded healthcare for emergencies and health maintenance.
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Further FAQs
For further information about medical, baggage or general insurance, visit the InsurancesafeNZ website (opens in a new tab).