Whether you have recently arrived as an international student, a nurse who is about to undertake a Competency Assessment Program or as an Essential Work visa holder, we understand the challenge you face. Adjusting to a new way of life in New Zealand can be demanding but rewarding.
Dental Cover
"Do you also cover dental?" This is probably something you did not bother asking us when you bought an insurance policy through OrbitProtect. Allow us to bring you up to speed.
On an overcast morning in spring 2018, OrbitProtect was alerted to a tragic road accident. One of our policyholders was struck by a car while crossing a busy road in Christchurch, along with two other pedestrians. She sustained critical injuries and was taken to Christchurch Hospital by ambulance.
It was back in September 2019 when we received a call from one of our policyholders, saying he was in the hospital. He needed to know if he was able to make a claim. The doctors could not say how long he needed to be in hospital, making him feel anxious, not knowing if he could afford the cost of treatment or if insurance can cover any, if not all, his medical expenses. We learned later that he had a rare neurological disorder called Guillain-Barre Syndrome.
In our effort to support students with their unexpected medical needs without having to make a claim, we introduced the OrbitPay card. By using the card at our authorised medical providers, International Student policyholders do not need to pay for their doctor visits and prescriptions (terms and cover limitations apply) as these providers have a direct billing agreement with us.
Good on you for securing yourself with an OrbitProtect policy! What now? How and when do you use it? Where do you go? Do you need approval to see a doctor? Does the doctor need to be affiliated with OrbitProtect? We know it is daunting enough to be in a foreign country, more so if you end up sick or injured in one.
We frequently come across queries from our clients with regard to our policy coverage on accident costs in New Zealand . Most commonly asked are coverage for medical costs relating to injury sustained whilst playing sports and injury in their workplace (There are limitations on coverage for workplace injury on our policy. See conditions listed below).
“Do you have any pre-existing medical conditions?” This is a commonly-asked question when we fill out insurance applications. What does it actually mean, you may ask.
We often get queries about excess from our customers, how excess works and why they need to pay an excess. Below is a short explanation on excess. Hope this helps answer our customers’ queries.