International Student Insurance

Pre-existing Medical

You are NOT automatically covered for pre-existing medical conditions. However, cover can be arranged in certain circumstances. You will need to complete our pre-existing medical assessment form. An assessment fee of NZ$45 will be charged for the pre-existing medical conditions application. Should we agree to provide cover for your pre-existing medical conditions, you will need to pay an additional premium over and above the base premium charged.

If you require pre-existing medical conditions cover included in your OrbitProtect Student Insurance, please contact us. You can email us on service@orbitprotect.com or telephone 0800 478 833 (within NZ) or +64 3 434 8151 (outside of NZ). 

Our medical team will be in touch to assess if we could provide cover for your existing medical conditions. You will be notified as to the outcome of the assessment via email.

Please note that should we accept your student insurance application to include the pre-existing medical conditions as part of your policy, we will provide cover for acute episodes of your condition only, not for any ongoing maintenance treatment of your condition (maintenance treatment means regular treatment/medication to keep your condition under control). An additional premium applies for the pre-existing medical cover.