How much will health insurance cost me per year as an international student in New Zealand?
International students in New Zealand are generally required to buy medical and travel insurance, which typically costs around NZD 600 to 900 or more per year, and the range varies by provider and university. Public healthcare is for eligible residents, so most international students need approved cover throughout their stay.
International students in New Zealand are generally required to buy medical and travel insurance, which typically costs around NZD 600 to 900 (approx INR 32,406 to 48,609) per year, and some policies cost a little more (for example, NZD 899 at Auckland or AUT). The range varies by provider and university.
Insurance and common healthcare costs
| Item | Cost (NZD) |
|---|---|
| Student medical and travel insurance (per year) | 600 to 900 or more (approx INR 32,406 to 48,609 or more) |
| General doctor consultation (private) | 60 to 100 (approx INR 3,241 to 5,401) |
| Specialist consultation | 120 to 250 (approx INR 6,481 to 13,502) |
| Cold medicine (over the counter) | 10 to 22 (approx INR 540 to 1,188) |
| Antibiotics (prescription) | 15 to 35 (approx INR 810 to 1,890) |
Why you need cover
- New Zealand has a well-developed healthcare system, but not all services are free for international visitors.
- Public healthcare is available to eligible residents, while most international students must hold approved health insurance throughout their stay.
My Advice
Sort out your insurance before you travel, so a doctor visit or medicine does not catch you off guard. Ask your university which policies it approves, then compare what each covers. The yearly cost depends on the provider and university, so treat the range above as a guide.
How much will a month in NZ cost you?
Rent, food and travel. A real monthly budget, city by city.
More Cost & living questions
- What is the lowest undergraduate tuition fee I can expect to pay at a Canadian university for the 2026 academic year?
- How much would I pay in first-year tuition for the International MBA program at York University, Toronto?
- How much monthly rent should I expect to pay for accommodation in Austria as an international student?
- If I get an education loan, can I proceed with the application after the loan amount is clear?
- Is it better to spend 12 lakhs in India or go abroad for higher studies in Germany for a Master's?
- Does the agency provide end-to-end services including visa, loan guidance, and accommodation?
- Do I need to show living expenses in my bank account for visa purposes, and can I withdraw it after reaching Ireland?
- How do I get an education loan for an MBA abroad as an Indian student?
More New Zealand questions
- Is it possible to study computer science with specialization in artificial intelligence in UK/New Zealand for a Master's?
- Can you add preferences for good digital marketing and performance marketing courses in New Zealand for a Master's?
- Is it possible for my son, who is currently in twelfth grade, to study in New Zealand next year for a Diploma?
- Which countries have less strict or different financial requirements compared to New Zealand, especially regarding funding duration?
- What steps do I follow to apply for a New Zealand student visa from India?
- Have you discussed your abroad education plan with your parents in UK/Australia?
- Which master's specialisation suits a Pharmacy graduate with 70 percent marks applying to New Zealand for clinical roles?
- Will my work experience from a small company be accepted in New Zealand/Germany for a Master's?