Do basin friends know the difference between New Zealand student visa, work visa and PR insurance?

When purchasing health insurance on student visa and work visa, the insurance company/intermediary usually provides one-time service without underwriting claims. Simply put, it means to settle claims after buying insurance, regardless of the existing physical condition before buying insurance. But please be sure to ask clearly when buying insurance in different places, otherwise you will not be able to buy protection if you spend money. For example, many students buy insurance when they open an account in a bank, but many banks sell it on the condition of permanent identity, that is to say, if you don't have pr, this insurance will not take effect! ! Students/work visa holders are advised to find a professional insurance agent to buy insurance.

There is only one special case. If you have a work visa for more than two years, you can buy Southern Cross health insurance. Of course, the price of this health insurance is slightly higher than the price of permanent residence.

Let's look at people with permanent residence. Insurance companies are much stricter in reviewing customers with pr, and underwriting procedures are inevitable. Sometimes, during the approval process, customers will be required to go to the designated hospital for physical examination. Of course, these tests are generally free. Because there is a lot of follow-up work after permanent residents claim compensation, the audit procedure is complicated.