How to participate in and use medical insurance when studying in New Zealand?

International students studying in New Zealand cannot participate in New Zealand public medical insurance. The New Zealand government stipulates that all international students in New Zealand must have health and travel insurance during their studies. This paper introduces in detail how to participate in and use medical insurance when studying in New Zealand. New Zealand government's regulations on students' medical insurance standards

The New Zealand government stipulates that all international students in New Zealand must have health and travel insurance during their studies. An international student refers to a person who is not a New Zealand citizen or has obtained a residence permit issued by the New Zealand Immigration Bureau. No matter whether international students go to New Zealand for secondary schools or universities, they need to abide by this regulation on medical and travel insurance.

International students studying in New Zealand must provide qualified medical insurance certificates to the school before they can register; Otherwise, the school may refuse to accept the foreign student.

The New Zealand government stipulates that international students must meet the minimum insurance standards before they can participate in medical insurance.

These minimum standards include:

? Insurance companies must obtain an A rating from Standard & Poor's or a B+ rating from A M Best.

? The medical insurance plan must apply to the medical care of students during their study in New Zealand.

? Insurance must include students' travel insurance during their trip to and from New Zealand (including students' travel insurance during their return to China to visit relatives).

? Insurance companies can provide emergency services 7X24 hours a day, 7 days a week.

? The insurance premium must be at least NZ $600,000.

? The reimbursement scope of insurance needs to include general practitioner outpatient service, prescription drugs, hospitalization, vision and emergency dentistry.

? Insurance must cover the cost of transporting the body of the insured back to the motherland after serious illness or accidental death, or paying the cost of his immediate family members coming to New Zealand.

In addition to the standards of the New Zealand government, schools will also set their own minimum standards on the basis of this regulation. The medical insurance for international students studying in this school must comply with the regulations of the New Zealand government and the school in order to be admitted.

The government does not force students to buy medical insurance from insurance companies in New Zealand. If an insurance company in China buys overseas medical insurance, the English version of the insurance contract should be submitted to the school for review to see if it meets the requirements. Generally speaking, international students had better choose the insurance recommended by the school to avoid unnecessary troubles.

The cost of participating in New Zealand student medical insurance

You must provide proof of medical insurance to be officially registered in a school in New Zealand. Some schools will choose one or more insurance companies to provide medical insurance for international students.

Depending on the length of study at school, the insured can purchase short-term student insurance (about NZ $50 per month) or long-term student insurance (about NZ $600 per year). If the family members (spouses and/or children) of overseas students travel with the insured, everyone can participate in family health insurance, and the annual insurance premium is about NZD 65438 +0, 100 ~ 1 500.

Medical insurance is usually included in the tuition of international students. At the same time, I paid the medical insurance premium and got the corresponding medical insurance. If you do not participate in the school's medical insurance, you can apply for exemption from the school; But it depends on whether the school allows it.

After paying the premium, when the insured sees a doctor in New Zealand, in most cases, he basically does not have to pay for himself or only needs to pay a small amount of medical expenses.

What are pre-existing conditions?

Pre-existing diseases usually refer to various medical conditions, such as diseases known to the applicant at the time of applying for medical insurance, which have been diagnosed with relevant symptoms, or obvious symptoms without medical treatment. For example, diseases such as diabetes and asthma have been diagnosed before insurance and belong to existing diseases.

If there are pre-existing conditions, the insured needs to apply to the insurance company for approval to reimburse the insured for medical expenses incurred due to pre-existing conditions.

Insurance companies need to review the specific situation of the insured and decide whether to approve the reimbursement of existing diseases.

Usually, insurance companies have three choices:

? Refusing to include the original disease of the insured in the insurance coverage.

? Insurance is allowed but the premium is increased.

Or the insured needs to wait for a period of time to reimburse the expenses of the existing disease.