Novel Coronavirus (COVID-19)

Advice as at 26 March 2020

Background

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
* If the NZ Ministry of Foreign Affairs and Trade has issued a "Do Not Travel" warning or "Avoid Non-Essential Travel" warning for a country you intend to travel to and you continue to travel to against Government advice, you will not be covered for any claims relating to or arising from the warning including medical and medical evacuation for COVID-19
Student Plan Policies that expire in February, March, April, May and June 2020:

If you have purchased a policy before 13 February 2020, and it expires in February, March, April, May or June 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)

Email: claims@crombie.co.nz

Tips for staying safe

  1. Follow the advice of:
    1. local authorities at all times.
    2. the World Health Organisation (WHO) https://www.who.int/
  2. Keep up-to-date with:
    1. the latest information on New Zealand's border control https://www.immigration.govt.nz/about-us/covid-19
    2. travel advice on the Safe Travel website https://www.safetravel.govt.nz/
  3. Provide your family and friends in New Zealand with regular updates about your safety and whereabouts.

Advice as at 11 March 2020

Background

COVID-19 is the disease caused by the new coronavirus that emerged in December 2019. Symptoms include cough, fever and shortness of breath. COVID-19 can be severe, and some cases has caused death.

The new coronavirus can be spread from person to person. It is diagnosed with a laboratory test. There is no coronavirus vaccine yet.

As a result, COVID-19 remains a widely known global event. The World Health Organization and governments continue to monitor and actively manage COVID-19 to ensure public safety.

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. As their involvement changes, for example, additional travel warnings issued; or public hospital care exemptions made, then this can impact the cover provided under your Uni-Care 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
* If the NZ Ministry of Foreign Affairs and Trade has issued a "Do Not Travel" warning or "Avoid Non-Essential Travel" warning for a country you intend to travel to and you continue to travel to against Government advice, you will not be covered for any claims relating to or arising from the warning including medical and medical evacuation for COVID-19
Student Plan Policies that expire in February, March and April 2020:

If you have purchased a policy before 13 February 2020, and it expires in February, March or April 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)

Email: claims@crombie.co.nz

Tips for staying safe

  1. Follow the advice of:
    1. local authorities at all times.
    2. the World Health Organisation (WHO) https://www.who.int/
  2. Keep up-to-date with:
    1. the latest information on New Zealand's border control https://www.immigration.govt.nz/documents/media/inz-response-to-the-novel-coronavirus.pdf
    2. travel advice on the Safe Travel website https://www.safetravel.govt.nz/
  3. Provide your family and friends in New Zealand with regular updates about your safety and whereabouts.

Advice as at 06 March 2020

COVID-19 remains a widely known global event. The World Health Organization in conjunction with governments continue to monitor and actively manage COVID-19 to ensure public safety.

New Zealand Government Response:

Ministry of Health Response:

The Ministry of Health have advised that all individuals who meet the suspected case definition for COVID-19 and receive hospital-level care in relation to COVID-19 (or suspected COVID-19) will not be charged for that care. They are eligible for publicly funded health services under the Eligibility Direction. This is irrespective of visa or citizenship status.

Immigration New Zealand Response:

Immigration New Zealand have issued additional border measures and are denying entry to New Zealand for any foreign traveller who have been present in, or transited through, Iran or mainland China, 14 days prior to them departing for New Zealand. Mainland China includes all of China, but not Hong Kong SAR and Macau SAR, and not Taiwan.

If your travel has been disrupted due to Government intervention this is outside of the Uni-Care policy coverage. This is a general exclusion of our policy.

General Exclusion 17. We will not pay under any section of our policy for any claim arising directly or indirectly out of: Government intervention.

This exclusion applies regardless of when your policy was purchased.

Understanding your Uni-Care Policy in Relation to COVID-19:

Insurance is there to protect you from unforeseen risks and expenses. It excludes claims that are caused by events that were widely known or foreseeable at the time of purchasing your policy. A nib advisory was issued on the 13th February 2020 declaring COVID-19 a known event.

Policies issued before the 13th February 2020.
If you purchased your policy before the 13th February 2020, there is provision for you to submit a claim for COVID-19 related expenses. Benefits available to claim include:

  • Unlimited medical expenses and repatriation
  • Accompanying relatives to New Zealand
  • Funeral expenses
  • Cancellation (if this is not due to the government intervention or disinclination of travel)
  • Ongoing medical expenses upon return to your home country

Claims will be assessed in accordance with your Policy’s Terms and Conditions.

Policies Issued after the 13th February 2020
On 13th February 2020, we added a Travel Advisory to this website advising that there would be no cover for COVID-19 for policies purchased after that date. Customers who purchased after 13th February 2020 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. You will still have provision for all claims that do not relate to COVID-19. These will be assessed in accordance to your Policy Terms and Conditions.

Policies that expire in February, March and April 2020 that need to be renewed.
If you have purchased a policy before the 13th February 2020, and it expires in February, March or April 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.

It is important to remember that regardless of when you purchased your policy or your citizenship or visa status, the Ministry of Health will respond to cover hospital related care in relation to COVID-19.

The information issued in this advisory must be read in conjunction with your Policy’s Terms and Conditions. Please contact us for assistance if you have any questions or need 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)

Email: claims@crombie.co.nz

Tips for staying safe

  1. Follow the advice of:
    1. local authorities at all times.
    2. the World Health Organisation (WHO) https://www.who.int/
  2. Keep up-to-date with:
    1. the latest information on New Zealand's border control https://www.immigration.govt.nz/documents/media/inz-response-to-the-novel-coronavirus.pdf
    2. travel advice on the Safe Travel website https://www.safetravel.govt.nz/
  3. Provide your family and friends in New Zealand with regular updates about your safety and whereabouts.

Advice as at 13 February 2020

The World Health Organization declared a Public Health Emergency of International Concern (PHEIC) and described the Novel Coronavirus situation as an “unprecedented outbreak”.

As a result, effective from 02 February 2020, the New Zealand Government have issued additional border controls and are preventing any foreign travellers who have left, or travelled via China, from entering New Zealand.

Am I covered?

There is a general exclusion on Uni-Care policies for any claims related to government interventions:

General Exclusion 17. We will not pay under any section of our policy for any claim arising directly or indirectly out of: Government intervention.

If you purchased your policy prior to February 13th 2020 (the date Uni-Care issued their travel advisory notice), the general exclusion applies, however we will consider any claims relating to the Novel Coronavirus on a case-by-case basis. Contact us for advice on what you may be eligible for.

If you purchased your policy on or after February 13th 2020 (the date Uni-Care issued the travel advisory notice), then there is no longer provision for any claims for any event related to Novel Coronavirus due to this no longer being an unexpected event.

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)

Email: claims@crombie.co.nz

Tips for staying safe

  1. Follow the advice of:
    1. local authorities at all times.
    2. the World Health Organisation (WHO) https://www.who.int/
  2. Keep up-to-date with:
    1. the latest information on New Zealand's border control https://www.immigration.govt.nz/documents/media/inz-response-to-the-novel-coronavirus.pdf
    2. travel advice on the Safe Travel website https://www.safetravel.govt.nz/
  3. Provide your family and friends in New Zealand with regular updates about your safety and whereabouts.