Q&A about QBE Visitor Plan- NZ

1. Who need the NZ Visitor Plan?	Visitors/Working Holiday and Guardian visas Job search and work visas General migrants
2. Why do Overseas Visitor need NZ Visitor Plan?	To be fully protected when you is staying NZ and avoid the travel represent an increased risk to an person who arrive NZ. New Zealand costs are expensive: One visit to the doctor and the prescription medicine could cost you NZ$150. Visit to an Emergency Room at a local hospital begins at approximately NZ$600. If you require urgent surgery, it could cost you from NZ$5,000 onwards.
3. I am a Visitor to NZ, what date should my policy start and expire?	To be fully protected your policy should start from the day you leave home and expire the day you arrive home at the end of your trip. Please Note: Applications for insurance to start after the travel represent an increased risk to an insurer so these must be considered individually. Please contact usif any of you have been in NZ without insurance.
4. How do I apply for QBE Insurance?	Simply click on the get cover option.
5. How do I pay for my policy?	We accept payment via a secure Credit Card (Visa or MasterCard) payment site.
6. I’m staying in NZ to work, what insurance do I need?	You need the NZ Visitor policy.
7. What do I do if my travel plans change and I need to change my insurance?	Uni-Care recognises that sometimes travel plans change. Uni-Care operates a Travel Upgrade System to upgrade policies to include additional destinations. So, obtaining cover for that 2 week stopover on the way home is just an Upgrade Application away.
8. Is my immigration medical and/or x-ray covered by my insurance?	No, your insurance covers unexpected events. Immigration medical and x-ray costs are not an unexpected event.
9. Are pre-existing medical conditions covered?	Travel Insurance is designed to cover unexpected events. Pre-existing medical conditions are not automatically covered. A pre-existing condition is any medical or physical condition or circumstance which you are aware of, or ought reasonably to have been aware of, before the start date of your policy. If you have a pre-existing medical or physical condition you need to tell us about it in your application and complete a medical assessment. Requests for cover may be made via an online medical declaration found at www.uni-care.org/home/medical-declaration.aspx. Once the outcome of your medical assessment is known you can decide whether or not to proceed with purchasing the policy. Note: If you are a NZ Citizen or Resident travelling under the Uni-Care Outbound policy there is a charge for medical assessment of pre-existing conditions.
10. Are my household contents and carpets covered?	The Luggage section of the policy covers you for accidental loss of or damage to your accompanied luggage, personal effects, laptop computers and/or portable electronic property. It does not cover household contents or carpets of any kind. If you have general household contents that you need cover for you need to take out a domestic contents insurance policy.
11. What do I do if I have an emergency or claim?	In the event of an emergency, Uni-Care is ready to assist you 24 hours a day. Please call our toll free number 0800 864 227 in New Zealand, 1800 864 227 in Australia, or our Claims Team on +64 4 802 0173. Our Claims Team can help you with the following: Verification on coverage and policy benefits to your doctor or hospital when necessary. Coordinate payments with doctor or hospital. Communication with relatives and school. Arrangement of emergency medical evacuation when necessary.
12. I am going to see a doctor now, am I covered?	While our Uni-Care Policy covers the majority of medical conditions, there are some medical conditions Uni-Care may not be able to provide cover for. If you are not sure if you will be covered, please contact our Claims Team for assistance.
13. Do I have to call you before I go to a doctor or a hospital?	You do not need to call us if you are admitted to the hospital in an emergency. However if your hospital stay is longer than 24 hours you will need to contact us. Please ask the hospital if you need assistance to contact us.
14. How do I make a medical claim?	Just complete and sign a Uni-Care Claim Form and send it to us with the original invoice. It is important that you advise us WHY you needed to see a doctor.
15. When do I need to advise you about a pre-planned surgery?	As soon as you are advised the likelihood of a pre-planned surgery you will need to contact us to arrange a Pre-Approval application. Please note that completing a Pre-Approval application does not mean your surgery is covered. We will advise whether or not your surgery is Pre-Approved.
16. When should I send in the claim form?	Please send your completed claim form with all your original invoices or receipts as soon as possible.
17. I have been burgled. What do I do?	You will need to notify the police immediately after you discover the loss. When reporting the loss to the police, you will need to describe as much detail as you can regarding the event or the offender. After you have notified the police and lodged a complaint with them, you need to notify us of your loss either by phone or by email and then complete a claim form and return it to us with the original invoices and accessories for the stolen items. If the invoices are from overseas, you can submit a copy first and send in the originals when you receive them.
18. My electronic item is damaged. What do I do?	To make a claim for damaged personal effects, you will need to complete a claim form and supply a repair report. If the item is repairable, please send in the repair report and quote with your claim form. If the item is not repairable you need to send the item to us along with your claim form and the repair report.

I trust Allianz Care since it is one of the largest insurance companies in Australia, with the medical centres where I only have to pay for what is left from insurance support. (no need to claim later). Besides, those centres are located at the centre of the city, close to schools. Very convenient, right? Credits to Allianz Care for providing reliable medical centres for health check and treatments.

Baek Ah Yeon | University of Queensland

I’ve been living with homestay family for 2 years. I’m now 19, I can move out but I don’t want to leave my host, who has become my family. It feels like I’ve met my second family. Thanks OSHCstudents for sending me to this homestay!

Ariella Pei | University of Canberra

I realised how important insurance was when I started living in Australia. There I switched to using Allianz Care instead of the previous service. Allianz Care is extraordinarily good in its consulting service and customer care. I’ve learned a lot about Australian health care, also I was consulted with mental issues and how to live a healthy lifestyle. I am very happy now.

Chatchawat Paton | Torrent University

Thanks to Allianz Care, every time I claimed my medical receipts it processed much more quickly and easily than I expected. I was initially a bit concerned since Allianz Care is more expensive than other insurance companies, but now I can ensure that it is totally worth the money.

Xiaoyu Cheng | Monash University

Q&A about QBE Visitor Plan- NZ

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