Health and travel insurance

All international students must have health and travel insurance while studying in New Zealand.

These guidelines apply to international students only.

Health and travel insurance at the University of Auckland

The New Zealand government’s Education (Pastoral Care of International Students) Code of Practice 2016 requires all international students to have appropriate health and travel insurance during their period of study.

Read more about the Code of Practice.

The University of Auckland requires all enrolled international students to have approved health and travel insurance for the duration of enrolment (regardless of the visa type).

A student visa holder is also required to have approved health and travel insurance for the length of visa or until they depart New Zealand, whichever comes first.

Studentsafe Inbound policy by Allianz Global Assistance NZ Ltd is our preferred insurance policy and provider for international students. Enrolled international students will be charged the Studentsafe Inbound University insurance fees 24-48 hours after tuition fees has been calculated and enrolment completed.

Insurance is compulsory and student must pay this fee by the first day of semester/quarter or programme start date unless the University approves the use of an alternative insurance policy and provider. If you are not charged for insurance 24-48 hours after you first enrol, please email immediately. It is your responsibility to check and ensure you pay for your insurance premium on time.

You are automatically registered under the Studentsafe Inbound plan when you accept your offer of admission. Your policy is activated when enrolment has been completed. Students do not need to apply for the Studentsafe Inbound plan.

Your insurance cover is automatically renewed when you re-enrol each quarter/semester or year for doctoral students.

Insurance Policy Details:

  • Policy Number: University of Auckland student ID number   
  • Policy Name/type: Studentsafe Inbound University
  • Insurance Company: Allianz Global Assistance New Zealand Ltd   

Individual insurance certificates will be emailed to your University email account on the 4th week of semester/quarter or doctoral programme start date.

Allianz Studentsafe University policy details

Schedule Benefits include:

  • Medical and related expenses
  • Optical and emergency dental
  • Repatriation and travel disruption
  • Luggage
  • Personal effects
  • Travel documents
  • Money and credit cards
  • Personal liability

You must refer to the full policy wording for all terms and conditions that apply to the above benefits. It is your responsibility as a student to read and understand the insurance policy terms and conditions. All documentation and forms are available online.

Pre-existing medical conditions

You are not covered for pre-existing medical conditions. However, in certain circumstances cover may be considered. If you have a pre-existing condition or have had a medical procedure in the past, we recommend you submit a medical risk assessment form (see below) before you travel or start your programme

This is any medical or physical condition or circumstances:

  • which you were aware of, or ought to have been aware of
  • for which advice, care, treatment, medication or medical attention had been sought, given or recommended
  • which have been diagnosed as a medical condition, or a sickness or which are indicative of a sickness
  • which are of such a nature to require, or which potentially may require medical attention
  • which are of such a nature as would have caused a prudent, reasonable person to seek medical attention prior to the start of cover under this policy
  • procedure or surgery in the past even if you are no longer affected by this condition

If you decide not to study for a period of time or having a break from studying, your Studetsafe policy will lapse and you may be subject to new claims when you return to study.

To ensure no change of health condition while having a break from study or gap in your policy you must complete a medical risk assessment form and email it to the insurance company when you return to study.

Note: If you change from one type of policy to another (eg, from Studentsafe to Explorersafe or vice versa) and your health changed during the period of the former policy, you need to check with Allianz whether you will remain covered when changing to the new policy.

Personal property valued at more than $2,500

You can apply to insure items of higher value and pay an additional premium. The maximum insurable value for any specified item, set or pair of items is $5,000. In the event of a claim you must be able to support it with receipts or valuations. To insure items of more than $2500 value, apply by completing a Studentsafe Specification of personal property form.


Length of insurance policy

Cover under Studentsafe Inbound policy applies while you are enrolled at the University until the end of your student visa, provided you have paid the appropriate premium in your final year of study.

We recommend you purchase additional appropriate insurance if you are travelling to New Zealand, or are in New Zealand prior to the commencement of your Studentsafe insurance policy.

If you are staying in New Zealand after your enrolment at the University of Auckland has ended, additional appropriate insurance is also recommended.

To purchase Explorersafe Inbound policy plan, visit

Note: Studentsafe Inbound will only cover transit en route to and from New Zealand. (Please refer to the policy wording for full terms and conditions.)

How much it costs

The costs shown below are for the 2018 & 2019 academic years. 


  • $620 – full year
  • $310 – one semester
  • $155 – summer school or quarter term

Family premiums

Couple OR student with child:

  • $1,240 – full year
  • $650 – one semester
  • $310 – summer school or quarter term

Couple with child/children OR Student with children:

  • $1,550 – full year
  • $775 – one semester
  • $387.50 – summer school or quarter term

Short courses

  • $50 – short courses of 30 days or less (condition applies)

Insurance process in New Zealand

Insurance process in New Zealand is a pay and claim service. This means you pay for medical consultation and prescriptions first and claim for reimbursement of expenses by lodging a claim online and uploading all supporting documents relevant to your claim. We strongly recommend you read terms and conditions in the policy wording for level of coverage.

Tip: Read and understand your policy cover by reading terms and conditions in the policy wording.


Preapproval is an option student can use prior to a specialist appointment. Student must check with specialist practice if pre-approval is accepted at their practice/clinic

  • Pre-approval takes 3-5 working days
  • Complete a claim form and email all relevant documents to the insurance company
  • Submit all relevant documents, consultation quote, confirmation of appointment time, (must be written form, confirmation email is ok)
  • Medical notes from the referring Doctor (original Doctor you saw and referred you to specialist)
  • Invoice should have Dr or Specialist contact and bank details.

Tip: when sending pre approval application, write on subject line – Pre-approval application and confirmation of appointment date

Making an insurance claim

To lodge a claim, you must have the following:

  • Correct University student ID number
  • Answer and complete all relevant questions to your claim
  • Your bank account details for payment of your claim
  • Provide all documentation to support your claim (medical reports, airline tickets, proof of ownership, receipts, etc). Please be aware that you can only upload files in the following format: any Microsoft Word files (.DOC, .DOCX), PDF files, .JPEG and .PNG image files.

Lodge a Studentsafe Inbound Claim.

Note: We advise you not to authorise repairs or replace items until Allianz have confirmed that your claim is accepted.

Fraud is a serious offence. If your claim is found to be fraudulent, your policy can be cancelled. A student’s enrolment cannot continue if their insurance cover is declined.

Useful websites

Travelling overseas

The Studentsafe Inbound insurance policy has limited cover for travel outside New Zealand. We strongly advise that you purchase additional appropriate insurance to cover your travel plans. The Explorersafe or Workersafe Outbound policy is available for travel that is not covered by Studentsafe Inbound University policy.

Exchange: If you are enrolled and going on an exchange programme you will be charged Studentsafe Inbound policy fees.

  • We recommend you don’t cancel your Studentsafe policy while away due to continuity implication. 
  • You must also purchase additional health and travel insurance for the length of your exchange programme but also for duration of your trip.
    Studentsafe Outbound is available to students going on exchange.
  • Be sure to check that you comply with your host university’s insurance requirements.

Study-related travel: The University provides overseas travel insurance where a student is travelling overseas on University business and returning to New Zealand. The travel must be funded by the University, a research grant or by a third party such as another university, research entity or conference organiser.

Travel insurance guidelines for conference travel:  These guidelines will help you to determine whether you are eligible for the University's corporate insurance.

For more information on other insurance policy plans or to purchase additional policies, visit Studentsafe.

It is important to make sure that you have the right level of insurance cover to protect you in the event of unexpected loss or illness. Use the Policy Finder to narrow your policy search if your trip is not covered by Studentsafe Inbound policy or the Co-operate policy.

Policy cancellation or while overseas

Any decision to cancel your insurance policy while on exchange, PhD suspension or studying/researching overseas should be discussed with your Insurance Adviser at the International Office.

If you apply to cancel your policy while on leave/suspension/overseas or going on exchange, your policy will lapse and will therefore affect the continuity of your policy. You may be subject to a new medical assessment when you return or re-enrol to your programme.

This means that any medical conditions you have been receiving treatment for under your original policy, would be considered pre-existing medical conditions and may no longer be covered.

For more information, contact

What if I already have insurance?

You may be eligible for an insurance waiver if you already have an alternative insurance policy.
Check below requirements if you are eligible for an insurance waiver:
  • Is your policy on the approved or compliant policy list (see approved policy list).
  • Is your policy valid for the length of programme, until you return to your home country OR to the end of your visa (whichever comes first).
  • If you meet the above requirements then you may apply for insurance waiver.

Non-approved insurance policies or Non compliant policies

If your policy is on University's list of non-approved or non-compliant insurance policies, it will not be accepted and you will be required to pay for the Studentsafe Inbound University policy.

Alternative policy assessment

You can request for a policy assessment if you have an insurance policy that is not on either approved or not approved list of policies.
Your policy must be assessed by the University independent broker to ensure you meet the Code of Practice requirements.

Policy assessment requirements:

  • You must apply for an alternative policy assessment at least four weeks prior to the semester, quarter, or doctoral programme start date.
  • Email the following to
    • Full insurance policy wording in English (pdf format)
    • Policy benefit summary in English specifying each benefit amount
    • Insurance certificate in English (pdf format)
    • Insurance certificate must show your name, policy information and dates.
    • Insurance policy checklist
  • You will be required to pay for the Studentsafe Inbound policy if you submit your assessment after the specified deadlines.
  • Please note assessment can only be done in English. Therefore your policy will be declined if the policy wording is not in English.

Insurance waiver

Apply here and upload your insurance certificate if your policy is on the approved or alternative compliant lists of policies.

Please note the following requirements and criteria before applying for insurance waiver:

  • Check if your policy is on the approved list of policies
  • Check if your approved policy covers the length of visa or programme or when you return to your home country (whichever comes first)
  • Check if your insurance certificate has your name, policy number and policy dates
  • Check if your insurance certificate is in English
  • To complete your application you may be required to upload visa or itinerary travel plan documents if your policy expires before your visa end date.

Incoming Study Abroad and Inbound Exchange - Waiver information only

If you are an incoming exchange or study abroad student wanting to apply for insurance waiver, please check requirements and criteria below:

  • Insurance certificate in English – must have policy name/start-end date/policy number
  • Travel itinerary –if your policy expires before your visa end date you must provide a travel itinerary showing your departure date is before your policy end date.
  • Visa – you must also provide your student visa document.
  • Incoming Study Abroad and Exchange Insurance Waiver– Apply here

If you do not submit your insurance waiver application before or by the specified deadlines below, you will be required to pay for the Studentsafe-University policy. Late applications will not be accepted.

Insurance waiver application deadlines

Term Deadline
Summer School 18 January 2019
Semester One 15 March 2019
Semester Two 2 August 2019
Quarter One 18 January 2019
Quarter Two 12 April 2019
Quarter Three 5 July 2019
Quarter Four 27 September 2019
Doctoral year The 2nd Friday after your programme start date
Late year
14 December 2019
Approved late enrolment In the same week your enrolment is finalised

Note: you must apply for a new insurance waiver every semester, quarter, or for doctoral students every year (on second Friday of programme start date).

Insurance waivers or cancellations are processed by the second Friday of semester/quarter or month (for doctoral enrolment). You will be notified if your application is unsuccessful.

What if my circumstances change during the period of my insurance?

You are required to advise us of any changes in circumstance during the insurance period.

Examples of changes are:

  • You are no longer enrolled at the University.
  • You become a domestic student.
  • You insure with a different provider.
  • You are studying or conducting research overseas.

Changes in circumstance may affect your eligibility to make an insurance claim or request a refund of your Allianz Studentsafe Inbound University premium.

If any refund is owed to you, it will be calculated from when the refund application is received. Applications for refunds will not be accepted after your insurance policy has expired.

Research degree students

University of Auckland enrolment ends for PhD and research masters students when they submit their thesis. This may affect their insurance cover.

If you are a PhD or research masters student who is about to submit your thesis, contact your Student Adviser at the International Office to validate your insurance expiry dates.

To ensure you have continuous cover and that your insurance fees are amended correctly, PhD students are advised to contact your International Student Adviser for the following:

  • If you are planning on applying for suspension but have not been charged insurance fees. This is so we can ensure you have continuous insurance cover.
  • If you wish to continue being insured while on suspension, please inform your International Student Adviser within 1 month of applying for suspension.
  • If you wish to cancel your policy while on suspension, please inform your International Adviser within 1 month of applying for suspension to ensure we add correct insurance fees and update your insurance records.
  • If you are planning on discontinuing from your programme OR have applied to discontinue from your Phd programme. We advise that you contact your International Student Adviser within 1 month of when you applied to discontinue your programme. This is to ensure that we amend your insurance records and fees within a timely manner.

Insurance fee charges will be calculated on a pro rata basis when your suspension/termination is processed. Student are required to pay for insurance fees if we had not been advised of any changes on your enrolment.

Please note there are conditions around suspensions of more than 6 months. If you are on suspension for 6 months or more, you would be subject to new claims when you return or re-enrol to your programme. You must complete a Medical Risk Assessment form if your policy had lapsed.

Family insurance

Family policy must start at the same time the student's policy commenced.

You can add your family to your Studentsafe Inbound University insurance policy. The appropriate premium will then be added to your tuition account and will appear on your statement of fees which you must pay.

Complete the Studentsafe - Family member application form, then click on the 'Apply here' button below to upload your application.

Family application submissions must be within these timeframes:

  • Semester/Quarter: Within two weeks of the start of the semester or quarter term.
  • Doctoral: The 2nd Friday after your programme start date.

Note: Family policies are not renewed automatically. To renew your family policy, you must apply for renewal on or before the policy expiry date.

People aged 60 years and over

Students or family members aged 60 and over are required to provide medical evidence to Allianz, before insurance cover can be accepted. You must complete the Medical Risk Assessment form and email it directly to the insurance provider (see the form for details).

Health and counselling

University Health and Counselling Service

Studentsafe University policyholders are able to use University Health Services for all compliant health and counselling services. Please refer to the policy wording for terms and conditions.
Any consultation covered by the Studentsafe University policy will be billed directly to the insurance company with no charge to the student.

Note: You will need to pay for consultations not covered by the policy.

Read about the University Health and Counselling Service.

Campus pharmacies

City Campus Pharmacy, Epsom Waymouth Pharmacy and Grafton Pharmacy directly bill the insurance company for medication prescribed to Studentsafe-University policy holders by doctors from University Health Services. There is no charge to the student for prescriptions covered by the policy.

Frequently asked questions

Read the Studentsafe list of Frequently Asked Questions.
PhD students should also download and read the doctoral FAQs below:

Contact us

Allianz Studentsafe-University Help Desk

Phone (within NZ): +64 9 488 1638
Tollfree (within NZ): 0800 486 004
Fax (within NZ): 0800 800 167
Phone (worldwide): +64 9 486 6868 (reverse charge call through operator)

Customer service:

The University of Auckland - Student Adviser


International Student Advisers

If you need help or guidance with your health and travel insurance, you can book an appointment with the appropriate international student adviser assigned to your faculty. When booking an appointment through the link below, make sure to choose your assigned faculty adviser.