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Insurance - Life, Domestic, Health & Travel

Insurance is your financial plan's safety net. It protects you and your family by providing you with a financial cushion from unforeseen events. The New Zealand Defence Force (NZDF) has agreements with leading insurance companies to provide you and your family cover based on your needs and circumstances.

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Life insurance package for NZDF

The Member Insurance Benefits Programme (MIBP)

The New Zealand Defence Force provides a life insurance package for all its NZDF Regular and Reserve Forces and Civilian (permanent and fixed term) members. Extra insurance is available to NZDF family members as well. The Member Insurance Benefits Programme (MIBP) has been tailored by Aon, NZDF’s insurance brokers, and insured by AIA. 

It is structured in a number of Tiers of cover:

  • Tier 1 - Automatic benefits for Regular Forces, Reserve Forces and Civilian members, paid by NZDF.
  • Tier 2 - Additional and top up benefits for Regular Forces, Reserve Forces and Civilian members, paid by the member.
  • Tier 3 - Benefits for the spouse/partners of NZDF members, paid by the member of their partner.
  • Tier 4 - Benefits for former NZDF members (former NZDF Regular Force, Reserve Force and former Civilian members)
  • Tier 5 - Funeral Cover Benefit for the Defence Community.

For more information, proof of insurance cover under the MIBP policy, and for quotes please contact Aon, and provide your service number and date of birth.

Phone: 0800 642 748

Email: nz.nzdf.enquiries@aon.com

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Domestic - Barracks, Car, Contents, Home insurance and more

Provided by Tower, the InForce Domestic Insurance Scheme provides insurance for your contents while you are living in barracks, and also for your home, contents, and motor. It is designed for your specific needs as NZDF military and civilian personnel and extends to those of you who are retired, or serve as Territorial/Reserve Force personnel, and your families.

Key InForce Domestic Insurance Scheme highlights include:

  • Up to 10% automatic premium discount.
  • Any kit or military equipment issued to you is covered under your contents policy as part of your personal effects.
  • Special extensions to the policy covers, such as automatic storage cover when you are posted are provided, recognising the uniqueness of your working environment.
  • You don’t have to tell us if you move from one base or camp to another until renewal.
  • Multi-policy discounts, and a range of payment frequency options to choose from.

Medical insurance

New Zealand Defence Force values your health and wellbeing and provide you and your family members with access to health insurance from Southern Cross at discounted rates. 

Cover highlights include: 

  • Lower premiums for New Zealand Defence Force personnel and their whānau.
  • Only pay for the first two children (under 21 years) on your policy* – the rest are free!
  • Members of the Regular Forces can take out a special low cost ‘non-claiming’ policy from Southern Cross. Thus, protecting any future pre-existing conditions arising from the date of your joining. In addition, you get all the loyalty benefits that come with being a Southern Cross member, but at a lower cost because you’re not claiming for treatment while you’re with the NZDF. You’ll still get to make the most of other Southern Cross member benefits, including offers on everyday products and services, like dental and optometry.

There are a number of plans to choose from*

Medical Insurance Options

*This summary has been designed to provide you with a general overview of the types of cover available, not all benefits are equivalent. For full details on the benefits, policy limits for each plan and any exclusions, excess or other conditions that may apply please refer to Southern Cross.

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Leisure Travel Insurance

Allianz Partners provides travel insurance cover at a 10% discounted rate for currently serving and retired members of the Defence community (including spouses and dependent children) undertaking leisure travel. 
The policy covers NZDF members currently residing in New Zealand, as well as:

  • NZDF members deployed and based overseas, in which case the policy will cover you from the place of deployment and the return to that place or New Zealand. To access this, you need to follow the Allianz website link below and use the code “NZDF”, you will receive an NZDF endorsement with your policy (as well as getting the discount) which gives the deployed member an exemption from the requirement to leave from and return to NZ. 
  • NZDF member deployed and based overseas, with spouse and/or dependent children residing in New Zealand. Cover can be taken under this policy; however, two separate policies will need to be issued.

There are two international plan options*:

  • International Plan Options:

    Allianz offers two international plan options:

    The Essentials Plan: Restricted Benefits and Lower Policy Limits
    The Comprehensive Plan Higher limits and extended benefits

    Click Here to Apply(external link)

     

    When applying insert "NZDF" in the Promo Code box to receive a 10% discount

     

    International policies offer the following standard policy features for NZDF members:

    Terms, conditions, limits, sub-limits and exclusions apply.

    • Selected cover* for epidemic and pandemic diseases such as COVID-19
    • Cover for medical and repatriation expenses
    • Emergency assistance provided 24/7
    • Replacement cover for baggage items less than 2 years old. Depreciation will be otherwise applied to claims for luggage and personal effects at such rate reasonably determined by Allianz Partners
    • Dependent Children under 21 years covered at no additional charge
    • Rental vehicle excess cover
    • Missed connnections/Travel delays
    • Loss of Deposits / Cancellation of Journey Paid in Full
    • Participation in recreational sports, for example:
      • leisure skiing and snowboarding within ski resort boundaries;
      • hot air ballooning;
      • parasailing;
      • paragliding;
      • bungee jumping;
      • white water rafting in grade 5 or more rivers;
      • scuba diving underwater no greater than 30 metres, providing you hold an open water diving license which is recognised in New Zealand, or you are diving with an instructor licensed for this activity.

    You can also ask Allianz for the following:

    • Increased cover for specified high-value items (Comprehensive only)
    • Cover for pre-existing medical condition(s) (Comprehensive only)

    Your request will be subject to an assessment which can be done online prior to purchasing your New Zealand Defence Force Leisure Travel Insurance policy, and if accepted, an additional premium may be payable.

    *There is no cover for claims directly or indirectly arising from or caused by you commencing your travel against the New Zealand Government's advice or against local government advice at your overseas destination.

    *There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered.

    You should consider the full Policy Wording(s) before making any decisions about this travel insurance policy. 

    Terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Policy Wording(s).  It is your responsibility to read and understand the Policy Wording prior to buying your insurance with us.

And two domestic plan options*:

  • Domestic Plan options

    We offer two domestic plan options:

    The Comprehensive Plan:

    The Comprehensive plan offers the following standard policy features for NZDF members:

    Terms, conditions, limits, sub-limits and exclusions apply.

    • Selected cover* for epidemic and pandemic diseases such as Covid-19
    • Cancellation of Journey
    • Medical, Emergency Dental and Funeral expenses 
    • Personal Baggage
    • Rental car excess cover
    The Cancellation Only Plan:

    The Cancellation Only plan offers the following standard policy features for NZDF members:

    • Cancellation of Journey
    • Selected cover* for epidemic and pandemic diseases such as COVID-19

    Click here(external link) to Apply Now. 

    When applying insert "NZDF" in the Promo Code box to receive a 10% discount 

     

    *There is no cover for claims directly or indirectly arising from or caused by you commencing your travel against the New Zealand Government’s advice or against local government advice at your overseas destination.

    *There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered.

    You should consider the full Policy Wording(s) before making any decisions about this travel insurance policy.

    Terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Policy Wording(s).  It is your responsibility to read and understand the Policy Wording prior to buying your insurance with us.

     

    International Leisure Travel Policy Wording(external link)

    International Policy Wording(external link)

    Domestic Leisure Travel Policy Wording(external link)

    Domestic Policy Wording(external link)

    Policy Endorsement for NZDF(external link)

    Policy Endorsement for NZDF(external link)

    The Policy Wording(s) detail the benefits, terms, conditions, limits, sub-limits and exclusions available under each plan option.

    The New Zealand Government recommends that all travellers obtain comprehensive travel insurance. 

    Click here(external link) for further details.  

    Click here(external link) to Apply Now. (When applying insert "NZDF" in the Promo Code box to receive a 10% discount)

To make a claim, please click here(external link) to be taken to the online claims portal.

As part of your claim, you may be required to:

  1. provide supporting documentation such as original invoices, receipts, and other vouchers relating to your expenses or loss
  2. produce your policy details
  3. provide all the information we require so that your claim can be considered

You can lodge your claim by calling Allianz Partners on 0800 800 048 (+64 9 486 0048 from overseas) and by submitting the fully completed claim form.

For loss or theft of your baggage or personal effects, you must notify the local police or local government authority within 24 hours, and you must obtain a copy of the incident report.

For loss or damage to your personal baggage whilst in the care of the carrier (airline, bus company etc.), you must notify the carrier immediately and seek compensation.   Once an outcome is received, and a settlement is reached, if you did not receive the total amount claimed from the carrier, you have a provision to claim for the difference.   At this point, you should submit a claim with Allianz Partners, and provide all of the relevant documentation from the carrier, detailing what was covered and what was not covered, providing receipts and as much proof of purchase as possible.

When you call, Allianz Partners require:

  1. your name
  2. your policy number
  3. details describing your emergency
  4. a contact phone number, including an area code

You may lodge your claim with the supporting documentation whilst travelling or upon your return to New Zealand. If you require assistance while you are away, please call our Emergency Assistance Team.

Freephone within New Zealand: 0800 800 048
To Call From Overseas:  For our Customer Care Team, Medical Assessment and Claims: +64 9 486 0048
For 24 Hour Emergency Assistance, reverse charge call through telephone operator: +64 9 486 6868
Email:  Customer Care Team: help@allianz-assistance.co.nz
Claim submission/additional information: travelclaims@allianz-assistance.co.nz
Post: PO Box 112 316, Penrose Auckland 1642

 

This insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter.

This insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter.

Mitsui Sumitomo Insurance Company, Limited - Financial Strength Rating.     

Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings.

 

The S&P Global rating scale in summary form is:

AAA (Extremely Strong)

AA (Very Strong) A (Strong)

BBB (Good) BB (Marginal)

B (Weak)

CCC (Very Weak)

CC (Extremely Weak)

R (Under Regulatory Supervision)

SD (Selective Default)

D (Default)

NR (Not Rated)

The rating may be modified by the addition of a plus (+) or minus (-) sign

to show relative standing within the major rating categories.

Further information on the S&P Global ratings is available here(external link)

 

Allianz Partners Website(external link) | Privacy Policy(external link)

*Terms, conditions, limits, sub-limits, and exclusions apply, and these a\re set out in the Policy Wording(s). It is your responsibility to read and understand the Policy Wording prior to buying your insurance with us. 

Family members wave farewell to Royal New Zealand Navy's HMNZS Aotearoa in Auckland. The two children are holding a flag and one of them has their arm around the other.
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