Advice as at 17 April 2020
Rt Hon Jacinda Ardern has announced New Zealand COVID-19 alert levels. These new alert levels specify the public health and social measures to be taken. Nationwide, New Zealand is at Level 4 – Eliminate. This means that it is likely that the disease is not contained.
Level 4 was implemented on Wednesday 25 March at 11.59pm and remain in place for at least 4 weeks. Level 4 means:
- people are instructed to stay at home unless they are visiting an essential service or if they work for an essential service;
- education facilities are closed;
- workplaces are closed (with exception of essential services) – businesses like nib are continuing to operate with staff working from home;
- the Government is asking people to minimise their travel;
- Major reprioritisation of healthcare services.
Understanding your Uni-Care Policy in relation to COVID-19
COVID-19 may impact the cover offered under your Uni-Care policy.
Government intervention is aimed at trying to prevent the virus from spreading. If you are affected by Government intervention your policy will not respond to cover these claims. This is because this is a general exclusion of the policy.
All policies, regardless of when they were issued, continue to provide cover for all claims that do not relate to COVID-19. These will be assessed under your Policy Terms and Conditions.
All Policies Issued Before 13 February 2020:
If your policy was issued before 13 February 2020, you have cover for COVID-19 related claims unless the Government intervention exclusion applies, in line with your Policy Terms and Conditions.
All Policies Issued On Or After 13 February 2020:
On 13 February 2020 we issued a Travel Advisory that there would be no cover for claims
relating to COVID- 19.
If you purchased on or after 13 February 2020 you were on notice that no cover would be available for claims relating to COVID-19 and nib will consider any claim in the light of that Travel Advisory.
NZ Visitor, Australasian and NZ Travellers Outbound Policies
Following the Travel Advisory issued on 13 February 2020, no cover is provided for claims relating to COVID-19.
If you are hospitalised in New Zealand with a suspected or confirmed case of COVID-19, the Ministry of Health will cover hospital-related care regardless of your policy or your citizenship or visa status.
Student Plan Policies
If you are diagnosed with a confirmed case of COVID-19, there will be cover under section 1.A.1 of your policy for Medical Expenses incurred for the treatment of COVID-19, including costs associated with medical evacuation. Claims will be assessed in accordance with your Policy’s Terms and Conditions.
Student Plan Policies Issued On or After 11 March 2020:
If the New Zealand Ministry of Foreign Affairs and Trade has a "Do Not Travel" warning or "Avoid Non- Essential Travel" warning for a country you travel to against Government advice, we will not cover any claims relating to or arising from the warning including medical and medical evacuation for COVID-19.
The following table provides a summary of where cover is provided for claims relating to COVID-19.
Claims Related to COVID-19
Policy Issue Date
|Before 13 February 2020||13 February - 11 March 2020||After 11 March 2020|
|All policies are covered in line with the Policy Terms and Conditions||Student Policies Covered for medical expenses only, including costs associated with medical evacuation, if you are diagnosed with a confirmed case of COVID-19||Student Policies Covered for medical expenses only, including costs associated with medical evacuation, if you are diagnosed with a confirmed case of COVID-19*|
|NZ Visitor; Australasian; and Outbound Policies No cover for claims relating to COVID-19||NZ Visitor; Australasian; and Outbound Policies No cover for claims relating to COVID-19|
Student Plan Policies that expire in February - September 2020:
If you have purchased a policy before 13 February 2020, and it expires between February and September 2020, and you purchase a new Uni-Care Student Plan policy with no break in cover, you will continue to have provision on your new policy to submit a claim for COVID-19 related expenses. Claims will be assessed in accordance with your Policy’s Terms and Conditions.
Please contact us for assistance if you have any questions or need further advice.
Where can I get further advice?
Contact the Uni-Care Claims Team
Phone: In New Zealand: 0800 864 227
In Australia: 1800 864 227
Outside New Zealand & Australia: +64 4 3818166 (Collect)
Tips for staying safe
Follow the advice of:
- local authorities at all times.
- the World Health Organisation (WHO) https://www.who.int/
- Keep up-to-date with:
- Provide your family and friends in New Zealand with regular updates about your safety and whereabouts.