MEDICAL AND TRAVEL INSURANCE REQUIREMENTS
Comprehensive Medical and Travel Insurance is COMPULSORY.

The Code of Practice for the Pastoral Care of International Students states:

“When enrolling international students, signatories must ensure that international students have appropriate and current medical and travel insurance for the duration of their planned period of study”.

Carmel College prefers policies from New Zealand insurance companies.  

The Code of Practice requirements:

Where students have separate travel and medical insurance, the travel insurance should include:

1. Loss of baggage and other personal effects
2. Accident and injury
3. Disruption to travel plans
4. The cost of medical care in any “stopover” countries

Combined medical and travel insurance should:

1. Commence when leaving home for the airport, while in transit and within New Zealand or trips to other destinations and holidays back to their home country.
2. Contain high sums insured (from $1,000,000.00 to unlimited cover, full medical, optical and dental cover plus a low excess).
3. Include emergency evacuation and repatriation, personal effects and accompanying relative cover – unlimited cover.
4. Ensure personal effects are covered and person liability can be met – unlimited cover.  If a student caused a house fire e.g. through careless use of candles, heaters, cooking etc. the student would be approached to pay the damage.  In homes today this could be in excess of $1,000,000.00.e) Address continuation should a student have to interrupt their studies.

In assessing the validity of insurance cover from providers outside the recommended insurers, the school will consider:

1. Whether the insurer has a reputable and established experience in the travel insurance business and has an excellent credit rating no lower than A from Standard and Poors, or B+ from A M Best.
2. If the insurer is able to provide emergency 24 hour, 7 days a week cover.
3. If students are able to have a “certificate of currency” and policy wording stating that the student has purchased the cover for the duration of the planned period of study.
4. Carmel College will accept policies taken out overseas.  In the case of overseas policy providers, students must provide Carmel College with the policy details in English before the payment of fees to Carmel College.  Students purchasing insurance through a New Zealand insurer should purchase insurance cover at the time of fee payment and before they leave their home country.

NB: Students must provide evidence of medical and travel insurance on enrolment.  The school will keep a record of the Insurance Policy number and the type of cover provided.

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