Working Overseas

This table is a summary of the Working Overseas policy benefits and shows the maximum cover under each benefit for each person (unless otherwise stated). The excess you select applies per unexpected event (unless otherwise stated).

Why choose a Working Overseas policy?

We know that living overseas is different from going on a holiday or visiting family and friends overseas, and our Working Overseas policy reflects that. When you’re working overseas, you require a policy that suits what you’re going to be doing and will give you peace of mind while you’re enjoying your overseas experience.

Below are some of the features of our Working Overseas policy:

• We offer cover for office-based work, educational work, healthcare and manual work, including retail hospitality.
• We offer Comprehensive Cover with three excess options ($0, $100 & $250), so you can tailor the plan to work best for you.
• Under Section D.1 of our policy wording (Medical and Evacuation), we offer cover for a range of services that you may require while overseas including dental treatment, optical treatment, maternity care, ancillary services (chiropractor, physiotherapist), rehabilitation and occupational therapy, and mental health.
• Under Section D.3 of our policy wording (Changes to Your Journey once you have left), we offer cover for resuming your journey, so you can get back on track if you have to return to New Zealand as a result of an unexpected event.
• We provide cover for COVID-19 under section D.1 Medical and evacuation for medical expenses and evacuation if you’re diagnosed with COVID-19 while on your journey. All of our policies come with worldwide emergency assistance, giving you access to one of the world's largest networks of emergency medical resources, 24 hours a day, 7 days a week.

What we’re unable to cover

We do not cover professional sports or hazardous work. We consider hazardous work to be any work or occupation (paid, unpaid or voluntary), where you are exposed to an increased risk of physical danger, harm or any adverse health effects as a result of your duties or the location of your work.

All work, occupations, business or professions are excluded under Section D.7, Personal Liability.

Here are some examples of occupations we consider to be hazardous:

• Aircraft crew member
• Armed forces
• Cement and concrete manufacturing
• Coastguard
• Commercial fishing
• Construction work
• Deep sea drilling
• Fire fighting
• Logging
• Power line repair
• Search and rescue
• Slaughterhouse work
• Structural and steel work
• Stunt work
• Tornado chasing
• Work with wild animals
• Working in any type of mine or oil or gas field

If you are still unsure whether your role would be considered 'Hazardous work', please feel free to give us a call on 0800 800 571 or send us an email at info@scti.co.nz. Please click here to see the policy wording in full.

Is the Working Overseas policy right for me?

We've designed this policy to cover people who are temporarily living overseas and working, or on a working holiday.

If you are only travelling overseas to attend a work or business conference, there may be cover under our International Comprehensive travel insurance policy and we recommend that you check whether this policy is suitable for you.

Our Working Overseas policy is available to you whether you have a return or one-way ticket. You can buy cover from one month to 12 months, and don’t have to be working while you’re overseas to purchase this policy.

For full details, please refer to the Policy Document, and if you’re unsure about the type of work you’re planning to do overseas, we would be happy to answer any questions you might have.

What destinations should I choose?

When you’re living and working overseas, we know that you may want to holiday in other countries as well. The good news is that there is cover under our Working Overseas policy for leisure trips to other destinations, as well as the country you’re spending most of your time in.

However, it is important that we know of all destinations that you’re planning to visit.

For example, if you’ll be working in the United Kingdom but you plan to visit France, you must let us know that you require cover in France, either when you’re buying your policy or before you leave for your trip to France. Depending on the country you plan to visit, there may be an additional premium that you need to pay.

When considering which destinations to choose, please check the travel advisory risk rating published on New Zealand Ministry of Foreign Affairs and Trade website. Destinations with a travel advisory risk rating of ‘do not travel’ or ‘avoid non-essential travel’ are not covered for unexpected events relating to the reason why travel advisory was issued for a destination or region by the New Zealand Ministry of Foreign Affairs and Trade. For more information please visit our website here.

What if things change?

One day you’re living in New Caledonia, the next you could be in New York! If your situation changes and you need to make a change to your Working Overseas travel insurance policy, get in touch with us, and we can make the necessary changes for you. You will need to make sure that your policy is kept up-to-date, ensuring that the destinations you travel to are covered. If you need to contact us from overseas, you can either email us at info@scti.co.nz or call us on +64 9 979 6593.