New Zealand immigrant life insurance instructions

Many popular countries for studying abroad are actually popular countries for immigration, such as New Zealand, and the number of people applying for immigration to New Zealand is increasing every year. A big reason is that New Zealand has good welfare and the most complete medical system. Come and have a look with me.

New Zealand has always been a big immigrant country, and one of the main reasons for attracting overseas people to immigrate to New Zealand is New Zealand's perfect medical system. New Zealand immigrants, citizens and international students can enjoy quality medical services in New Zealand. Among them, the most powerful is the only ultimate insurance in the world-ACC: providing all-weather and fault-free comprehensive accident insurance for all human beings in New Zealand.

First, the origin of accident compensation insurance in New Zealand

The New Zealand Government believes that it is time-consuming and costly for the parties to sue for negligence after the accident. Not only will it affect the injured to concentrate on recovering health, but the lawsuit will also quickly consume personal and social resources; Even if the lawsuit is won in the end, the wrong party may not have the money to compensate. Therefore, the New Zealand government has established the ACC (Accident Compensation Company) compensation system.

Second, the main contents of ACC insurance in New Zealand

Accident compensation insurance covers everyone in New Zealand, regardless of national boundaries and purposes. Moreover, the compensation provided by the Accident Compensation Bureau includes not only medical and rehabilitation expenses, but also salary loss caused by sick leave and one-time compensation for permanent injury to the injured.

Three, New Zealand ACC insurance underwriting methods and applicable population

The convenience and advantage of ACC insurance is that you don't need to take the initiative to insure. As long as you are in New Zealand, the insurance will take effect automatically. In the event of an accident, there is no need for verification procedures, and the fastest and most effective treatment is implemented indiscriminately. In New Zealand, anyone can apply for ACC help, regardless of the age of the injured, work or retirement, students or welfare recipients, citizens or immigrants, as well as international students and tourists.

Fourthly, the compensation scope of ACC insurance in New Zealand.

ACC insurance mainly compensates for diseases and injuries caused by any unexpected events. Non-controversial cases include: violent attacks, car accidents, falls, self-mutilation, injuries caused by any external force, and unpredictable emergencies. The Accident Compensation Committee usually accepts these cases immediately without seeking professional advice from doctors. Some cases may be related to past medical history. For example, the client had high blood pressure before and had a heart attack or stroke after arriving in New Zealand. Whether these diseases are "accidents" is controversial. ACC usually asks the doctor for advice and then makes a decision on whether to pay compensation. But in this case, doctors usually suggest ACC compensation from the patient's point of view.

5. New Zealand ACC insurance claims.

It is very important to find a medical professional to understand the condition before applying for a claim. Because ACC can only help after applying for injury compensation. The medical staff will send the completed claim application form to ACC for the applicant, and then ACC will send a letter to reply whether the claim application is approved.

If the claim is approved, ACC can usually help pay the medical expenses and provide other services related to the applicant's actual situation to help him recover as soon as possible. The specific help available depends on the injury situation and specific needs, but usually includes:

1. processing

ACC can help pay for various medical expenses and related expenses, including treatment, surgery, X-rays and prescription drugs provided by doctors and other medical professionals.

2. Transport services

Pay the transportation expenses arising from testing, treatment or rehabilitation, including gasoline subsidies, public transportation and taxi fees.

3. Help restore normal living ability

The services of the Accident Compensation Committee include rehabilitation training and other assistance. So that the life of the injured can return to normal as soon as possible.

4. Died of accidental injury

If the applicant or his family dies in an accident, ACC will provide various allowances. The cost of treating diseases is not included in the scope of accident compensation. The Accident Compensation Committee only deals with accidental injuries and work-related health problems. Psychological problems caused by sexual assault or abuse, and the cost of medical accident parameters.

Accidental injuries in New Zealand will be settled. An accident occurred on the way to and from New Zealand by boat or plane. It is not within the scope of ACC claim. Tourists are advised to buy travel insurance before coming to New Zealand.

Inadvertent verb New Zealand ACC insurance precautions

While assuming the liability for accident compensation, the New Zealand government stipulates that as long as ACC pays the injury covered by ACC insurance, the beneficiary shall not sue anyone for personal compensation. This is also the main meaning of ACC.

It is suggested that for New Zealand immigrants, there is no need to buy accident insurance, and they can enjoy free treatment in public hospitals. New Zealand vehicles do not have compulsory insurance, so it is normal for ordinary residents and permanent residents not to buy any insurance. However, the vast majority of New Zealand students do not enjoy the benefits of free medical care, and it is very expensive to see a doctor at their own expense. Therefore, international students need to purchase New Zealand medical and travel insurance during their studies.