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    Travel Insurance

    New Zealand Visa for Indians

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    Key Features

    The Real Ace in your Travel Pack

    Coverage Highlights

    Comprehensive travel protection under a single plan
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    • Design your own plan

    A truly modular plan that offers you flexibility to curate coverage suited for you and your family

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    • Wide Sum insured options

    Choose adequate sum insured that suits your budget

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    • Pre- Existing (PEDs) covered

    Medical expenses upto USD 3000 for emergeny medical care of pre existing diseases

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    • Truly Cashless

    Worldwide cashless hospitalisation

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    • Ease of buying

    No medical health check up required to purchase the policy

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    • Discounts

    Upto 10% discount depending upon the number of people travelling

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    • Extension of medical coverage post policy expiry

    If hospitalised within the policy period, treatment can be continued upto a maximum of 75 days beyond policy expiry

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    • 24x7 support

    Enjoy round the clock support to travel worryfree

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    • Direct Discount

    Enjoy 5% direct discount by purchasing online

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    • From reimbursements to fixed payouts

    Some coverages reimburse actual expenses while others provide a pre-fixed amount

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    • One trip or many? We have got you covered

    A Single-Trip Policy covers just one trip, perfect for occasional travelers. A Multi-Trip Annual Policy covers unlimited trips within a year, ideal for frequent travelers. If you travel often, save time and money with an annual plan. Choose what fits your travel needs

    Key Inclusions

    What's covered?
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    • Personal Accident Cover

    Pays agreed amount in case of Death, Permanent Total & Partial Disability, while travelling overseas and also within India prior/post 24 hours of international travel, if opted

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    • Medical Treatment & Evacuation Expenses Cover

    Indemnifies for medical expenses for any illness, disease or injury that happens while you're travelling abroad and evacuation to India. Pre Existing Illness/ injuries can be opted to be covered

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    • Hospitalization Daily Allowance

    Pays agreed per day compensation in case of hospitalisation abroad

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    • Trip Cancellation, Interruption & Extension

    Indemnifies for loss incurred by you towards accommodation, travel & event tickets if trip is cancelled or interrupted mid-journey or extended under pre-defined circumstances

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    • Return of Minor Child

    Pays travel expense incurred to return your child/ children to India in case your are hospitalized abroad

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    • Missed Connection

    Reimburses you in case you miss a connecting flight

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    • Ticket Overbooking

    Compensation for denied boarding caused by overbooking, ensuring you are reimbursed for the inconvenience

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    • Loss and Delay of Checked-in Baggage

    Pays compensation if the airline delays or misplaces your checked-in-baggage

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    • Loss of Passport and Driving License

    Covers cost of replacing your passport / driving licensein case if they are lost during the journey

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    • Loss of Personal Belonging

    Pays for loss or damage to personal belongings including mobile, laptop, camera etc. due to theft, larceny, robbery or hold up at international airport

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    • Bounced Hotel

    Indemnfies you for a superior room /alterante hotel booking in case you dont get your pre booked stay

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    • Sporting Activities Cover

    Provides coverage for accidents or injuries that occur while participating in professional or semi-professional sports or adventure activities during travel

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    • Note

    Please read the policy wordings for detailed inclusions

    Key Exclusions

    What's not covered?
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    • Pre-existing Condition

    Any disability or injury arising from a medical condition that existed before purchasing the policy, if not opted, is generally excluded

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    • Intoxication

    Accidents occurring while under the influence of alcohol or drugs are excluded from coverage

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    • Routine Examination

    It doesn't cover routine check-ups, vaccinations, or vitamins if you're generally healthy

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    • Self-Inflicted Injuries

    Injuries resulting from intentional harm or attempted suicide are not covered

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    • Criminal or unlawful act

    Actual or attempted engagement in any criminal or other unlawful act

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    • War and Related Perils

    Losses due to war, rebellion, or terrorism are not covered

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    • Cosmetic and Weight Loss Treatments

    No reimbursement for cosmetic surgery or weight reduction programs while travelling abroad

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    • Adventure Sports

    Injuries from adventure sports are excluded unless the benefit is opted for

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    • Deductible & Co- Pays

    Part of the claim will have to be borne by you if you have Deductible or Copay

    Additional Coverage

    What else can your get?
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    • Trip Delay Delight

    Pays an agreed amount in case the flight gets delayed beyong the defined period

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    • Track-a- Baggage

    Opting this service helps you keep track of your luggage during your trip, giving you peace of mind. If your bags go missing, the service helps locate and return them to you quickly

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    • Extended Pet Stay

    Covers expenses for your pet’s extended stay at a boarding facility due to unforeseen travel delays

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    • Weather Guarantees

    Offers compensation for costs due to trip disruptions caused by extreme weather conditions

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    • Note

    Please read policy wordings for detailed coverage

    Is There a Requirement of New Zealand Visa for Indians?

    Yes, Indians must have a valid visa before travelling to New Zealand. New Zealand immigration does not allow a New Zealand visa on arrival for Indians. Whether you are planning to visit New Zealand for education, tourism, business, or employment, apply for a New Zealand visa from India in advance. 

    Moreover, the processing time and type of a New Zealand visa for Indians actually depend on the duration and purpose of stay. Hence, apply early and avoid last-minute delays to enjoy stress-free travel in New Zealand.

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    Features of a New Zealand Visa for Indians

    A New Zealand visa offers Indian travellers several travel-friendly benefits that make trip planning simple and stress-free. So, have a look at the features of the New Zealand visa for Indians:

    What Different Types of New Zealand Visas Are Available for Indians?

    There are several types of New Zealand visas for Indians, each suited to a different travel goal. Here are the main types you should know.

    What are the Eligibility Criteria for Buying Travel Insurance?

    Before applying for a New Zealand visa from India, fulfil the eligibility criteria. So, what do New Zealand immigration authorities look for while reviewing a New Zealand visa for Indians?   

    Eligibility Criteria Specifications

    For a New Zealand Visitor Visa for Indians 

    Valid Passport 

    Applicant's passport must be valid for 6 months 

    Travel Itinerary 

    Submit a complete itinerary with India return tickets from New Zealand and an accommodation pre-payment receipt. 

    Financial Proof 

    Provide a bank statement and must have NZD $1,000 or NZD $400 monthly after pre-payment for accommodation to live here. 

    For a New Zealand Student Visa for Indian Citizens 

    Proof of Full-time Courses 

    Submit proof of being offered a place in your course from the approved education provider and course information. 

    Financial Eligibility 

    Must have enough financial support or a scholarship to manage tuition fees and living costs

    Health and Character 

    Provide evidence of medical examination, good health, and police certification to prove good character.   

    For a New Zealand Work Visa for Indian Citizens 

    Offer letter 

    Applicants must submit their employment agreement that includes the employer’s address, name, and phone number, job title, and responsibilities at work. 

    Health and Character 

    Submit medical examination reports of good health and police certificates as good character proof without any criminal conviction. 

    Skills and Experience 

    Must have minimum 2 years of relevant job experience; meet the Accredited Employer Work Visa (AEWV) job skill requirements and qualification on the (NZQCF).

    What Documents Are Required for a New Zealand Visa?

    Whether you are planning to invest in a New Zealand Visa for Indians, for visiting friends, family, tourism, or business, submit the required documents below. 

    General / Common Documents (Required for Most Claims)

    1
    A passport with 6 months' validity with 2 blank pages. 
    2
    2 recent colour photographs with 80% face visibility.
    3
    Signed bank statement for the last 6 months. 
    4
    Salary slip of the last 3 months. 
    5
    Income tax acknowledgement for the last 3 years. 
    6
    Confirmed pre-paid accommodation (hotel) proof and return tickets, with complete itinerary. 
    7
    Online New Zealand visa application form. 
    8
    NOC from the university, school, or company (for study and work visa). 
     

    How Much Does a New Zealand Visa Cost?

    The costs of a New Zealand visa for Indians vary depending on your visa processing option and type. Here are the costs of a New Zealand visa from India

    General / Common Documents (Required for Most Claims)

    1
    For a visitor visa for New Zealand, it costs NZD $441 (approximately ₹24,038)
    2
    A New Zealand student visa for Indian citizens costs NZD $850 (approximately ₹46,900)
    3
    For an accredited employer work visa, it costs NZD $1540 (approximately ₹83,500)
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    To apply for a business visitor visa, pay NZD $341 (approximately ₹18,535)
    5
    Your post-study work visa may cost NZD $1670 (approximately ₹91,600 )
     

    How Long Does It Take to Process a New Zealand Visa?

    The processing time of a New Zealand tourist visa for Indians or other visas varies depending on the accuracy of the submitted documents and the type of application. 

    General / Common Documents (Required for Most Claims)

    1
    The processing time of a New Zealand tourist visa for Indians is 2 weeks.
    2
    A New Zealand fee-paying student visa takes approx 10 weeks. 
    3
    An accredited employer work visa takes 7 weeks to process.  
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    For a business visitor visa, the process time is 1 week.   
    5
    Post-study work visa needs 5 weeks to process. 
     

    Validity of the Different Types of New Zealand Visas

    Here is the guidance on visa validity and your stay in New Zealand:

    General / Common Documents (Required for Most Claims)

    1
    The New Zealand visitor visa for Indians is valid for 3 years.
    2
    You can stay up to 4 years with your fee-paying student visa.
    3
    An accredited employer work visa allows staying for 5 years based on your offered job. 
    4
    A business visitor visa allows a stay of up to 3 months per year. 
    5
    Post-study work visa has a validity of 3 years' stay in New Zealand. 
     

    Why Can a New Zealand Visa Application Be Rejected?

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      Missing or Wrong Documents: Incomplete paperwork is the top reason for rejection. Check the official list before you submit. Even one missing page can delay or cancel your New Zealand visa for Indians.

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      Weak Financial Proof: Officers check whether you can take care of your financial responsibilities during your stay in New Zealand. Hence, keep a steady balance that covers the cost of your stay in the country.

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      Unclear Travel Purpose: If your reason to visit is not clear, officers may doubt your plans. Write a short cover letter. Explain your itinerary, where you will go, and when you will return to India. 

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      Invalid Passport: Your passport must stay valid for at least 6 months after your travel dates. An invalid passport leads to automatic rejection. Renew early to stay safe.

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      Previous Visa Problems: Overstaying, deportation, or a refusal from any country can hurt your case. Always declare your full visa history when applying for a New Zealand visa from India.

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      Weak Ties to Home Country: The immigration authorities must be satisfied that you intend to return to India after your visit. Insufficient proof of employment, business ownership, etc., may increase rejection risks.

    Read More

    How to Apply for a New Zealand Visa?

    You can apply for a New Zealand visa for Indian citizens online in simple steps below: 

    General / Common Documents (Required for Most Claims)

    1
    Go to the official Immigration New Zealand site and create your online account.  
    2
    Now you can decide which visa type is right for your trip, like a New Zealand tourist visa for Indians, a student visa, or a work visa.  
    3
    Prepare and upload scanned documents, including passport, medical and police certificates, photos, and financial proof. 
    4
    Fill the form fully with correct personal and travel details.   
    5
    Pay the visa fee online using a card or net banking.  
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    Submit your application and save the reference number to track status.  
    7
    Wait for the decision. If approved, they link the visa to your passport electronically.
     

    What to Know Before and After Arriving in New Zealand

    Here is the information that travellers must keep in mind before boarding and after landing in New Zealand. 

    General / Common Documents (Required for Most Claims)

    1
    Check that your New Zealand visa for Indian citizens is linked to your passport. 
    2
    New Zealand does not use visa stickers.  
    3
    Immigration officers may ask about copies of travel plans, hotel bookings, and return tickets. 
    4
    Buy travel insurance before you fly to cover your trip from day one.  

    After you arrive:

    1
    Fill out the arrival card or complete the online New Zealand Traveller Declaration before you land.  
    2
    Declare any food, plants, or animal items at customs. 
    3
    New Zealand enforces strict biosecurity rules.  
    4
    Read your visa conditions and follow them to avoid problems during your stay.
     

    Why Travel Insurance Required for a New Zealand Visa?

    • 1

      Strengthens Visa Application: Showing proof of insurance tells visa officers you plan responsibly. It adds weight to your New Zealand visa for Indians citizen application and lowers the chance of rejection.

    • 2

      Covers Medical Emergencies: Hospitals in New Zealand charge foreign visitors high fees. If you get sick or injured, travel insurance pays for hospital stays, doctor visits, and ambulance rides. You avoid large bills that can ruin your trip.

    • 3

      Protects Against Trip Cancellation: If plans change due to sudden illness or a family emergency, it may force you to cancel the trip. Hence, travel insurance refunds the cost your have incurred when planning for your New Zealand.

    • 4

      Provides Personal Liability Cover: If you accidentally damage property or injure someone, legal costs add up fast. Your policy handles claims and legal fees, so you avoid unexpected expenses during your stay.

    • 5

      Covers Lost or Delayed Baggage: Airlines sometimes lose or delay bags during the travel process. In such scenarios, the plan covers the essentials you need right away. It also compensates you for the hassle caused by mishandled luggage.

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      Gives You Full Peace of Mind: With coverage for medical issues, cancellations, and losses, you can enjoy your trip without stress. Travel insurance turns your New Zealand travel visa for Indians into a safe, worry-free experience.

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    Is a New Zealand Visa Available on Arrival for Indian Citizens?

    No, Indian passport holders cannot get a New Zealand visa for Indians on arrival. You must apply for and receive an approved visa before you fly. Submit your application online through the official Immigration New Zealand portal.

    Indians are not eligible for an Electronic Travel Authority. If you land in New Zealand without a valid visa, officials will deny entry and send you back. Hence, you must apply at least 6 to 9 weeks before your trip.

    What Are the Benefits of Travel Insurance for New Zealand?

    • 1

      Emergency Hospital Care: If you fall sick or get hurt during your New Zealand trip, the policy pays for hospital stays, cashless treatment, and outpatient care. It covers room charges, emergency dental work, and more while you are hospitalised. 

    • 2

      Medical Evacuation: If you explore remote trails or face a serious health issue, you may need an air ambulance. Your plan pays to move you to the nearest hospital or fly you back to India.

    • 3

      Lost Passport or Papers: Losing your passport overseas causes stress and delays. Your policy pays to replace a lost or stolen passport and covers fees for emergency travel documents.

    • 4

      Flight Delays and Missed Connections: Insurance reimburses you for meals, hotels, and new tickets when your flight to New Zealand is delayed or cancelled. It also covers costs if you miss a connecting flight due to airline issues.

    • 5

      Adventure Sports Cover: New Zealand is known for bungee jumping, skydiving, and hiking. Standard plans often skip these risks. Add-on cover pays for injuries during adventure activities, so you can try them with confidence on your New Zealand travel visa for Indians.

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      Home Burglary Protection: Some plans protect your home in India while you travel. If thieves break in during your trip, the insurer compensates you for stolen items. This benefit extends your safety beyond your New Zealand visa for Indian citizens.

    Read More

    What Are the Latest Entry Requirements for New Zealand?

    New Zealand updates its entry rules often. Here is what Indian travellers should check for 2026 before using a New Zealand visa for Indians:

    General / Common Documents (Required for Most Claims)

    1
    You need an approved visa linked electronically to your passport before you fly.  
    2
    Fill out the New Zealand Traveller Declaration online before you reach the airport.  
    3
    Carry a valid return or onward ticket and proof of hotel booking for immigration checks.  
    4
    Show health documents if you come from a region with disease alerts.  
    5
    Declare all food, plants, or animal products at customs. 
     

    What Are the Top Tourist Attractions in New Zealand?

    New Zealand is such an attractive tourist place with thrilling experiences and unmatched natural beauty. List the top places to explore with your New Zealand travel visa for Indians

    Top Places What to Explore

    Queenstown

    This is an adventure capital, explore scenic lake view, and enjoy bungee jumping. 

    Rotorua

    You can experience Maori culture and a bubbling mud pool located in the geothermal wonderland of New Zealand. 

    Milford Sound 

    Known as the Eighth Wonder of the World, such a breath taking ford in Fiordland 

    Bay of Islands 

    It is a paradise; you can experience sailing, explore Maori and colonial sites, and enjoy dolphin watching. 

    Auckland 

    This is the largest city, with Waiheke Island, Sky Tower, nightlife, and waterfront dining.  

    KaiKoura

    You can enjoy watching dolphins, seals, and whales in their natural ocean habitat. 

    Tongariro Alpine Crossing

    Plan a hike to the world’s best 1-day trek through a volcanic landscape.

    Step-by-Step Guide

    How To Buy, Claim and Renew Bajaj Travel Insurance?

    How to Buy

    • 1

      Download the Bajaj General Mobile App and use your login credentials

    • 2

      Select the travel insurance option by providing necessary details

    • 3

      Allow the application to process your information & get quotes

    • 4

      Choose the plan aligning with your travel itinerary & include add-ons

    • 5

      Finalise the plan selection and complete the payment process

    • 6

      Insurance policy & receipt will be promptly delivered to your email ID

    How to Extend

    • 1

      Please reach out to us for policy extensions

    • 2

      Phone +91 020 66026666

    • 3

      Fax +91 020 66026667

    Cashless Claim

    • 1

      Applicable for overseas hospitalization expenses exceeding $ 500

    • 2

      Submit documents online for verification.

    • 3

      Upon verification Payment Guarantee to be released to the hospital

    • 4

      Please complete necessary formalities by providing missing information

    Reimbursement

    • 1

      On complete documentation receipt, reimbursement takes approx. 10 days

    • 2

      Submit original copies (paid receipts only) at BAGIC HAT

    • 3

      Post scrutiny, receive payment within 10 working days

    • 4

      Submit incomplete documents to our document recovery team in 45 days

    • 5

      Policy deductible will be applicable as per policy copy

    Download Policy Document

    Get instant access to your policy details with a single click.

    FAQ's

    How can I apply for a New Zealand tourist visa?

    To apply for a New Zealand tourist visa for Indians, you must complete an online application form, upload necessary documents such as your passport, photo, and financial proof, return ticket, and accommodation details, and then pay the visa fee. Once submitted, your application will be reviewed by the New Zealand immigration authorities. The visa, once approved, will be emailed to you as an e-visa. Alongside your application, consider purchasing international travel insurance from Bajaj General Insurance Limited to stay protected during your journey. It ensures peace of mind by offering cover for emergencies, hospitalisation, and trip disruptions.

    What documents are required to begin the New Zealand visa process for Indians?

    For a successful New Zealand visa process for Indian travellers, the following documents are required: a valid passport (with 6 months validity and 2 blank pages), recent passport-size photographs, filled visa application form, bank statements or proof of funds, return flight booking, hotel/accommodation confirmation, Income Tax Returns (ITR) for the past 3 years, and a detailed cover letter stating the reason for your visit. Additional documents, such as an employer NOC and salary slips, may be needed. Having international travel insurance from Bajaj General Insurance Limited is also a smart addition, as it displays travel preparedness and ensures safety throughout your trip.

    Can I work in New Zealand on a tourist visa?

    No, you cannot work in New Zealand on a tourist visa. The New Zealand visa for Indians issued for tourism strictly prohibits any form of paid or unpaid employment. If you plan to work, you must apply for a separate work visa, which comes with different eligibility criteria and documentation requirements. Violating visa terms can lead to deportation or future entry bans.

    Can I overstay my visa in New Zealand?

    No, overstaying your New Zealand visa for Indians is a serious violation of immigration rules. If you remain in New Zealand beyond the authorised stay period, you may face hefty fines, deportation, or even a future ban on re-entry. It is essential to respect the visa validity and exit the country on or before the expiry date. If an extension is necessary, you must apply through the proper legal channels.

    When should I apply for the visa?

    It is advisable to apply for your New Zealand tourist visa at least 3 months before your intended travel date. Since the processing time ranges between 40 and 60 days, applying early ensures there is enough buffer in case of document verification delays or holiday backlogs.

    Will I get a refund if my visa is rejected?

    No, the visa fee is non-refundable, even if your New Zealand tourist visa for Indians is rejected. The fee is charged for processing the application and does not guarantee approval. To avoid rejection, it is crucial to submit complete and accurate documents and meet all eligibility requirements.

    Is travel insurance necessary?

    Yes, purchasing international travel insurance is highly recommended when visiting New Zealand. Even in a safe and developed country, emergencies like accidents, illness, or baggage loss can occur. Trip holiday insurance from Bajaj General Insurance Limited provides extensive coverage, including cashless hospitalisation abroad, emergency evacuation, flight delays, lost documents, and personal liability. It not only ensures your financial safety but also offers peace of mind, allowing you to enjoy your trip without worry. While travel insurance may not be mandatory for the visa, it is a smart and responsible step for every Indian traveller heading to New Zealand.

    How do I make a claim on my travel insurance policy?

    It is advisable to contact your insurance provider to discuss your claim. Please ensure you have your policy details, passport number, and any other relevant information readily available while submitting your claim.

    What documents would I need to process my domestic travel insurance claim?

    Usually medical reports and their copies, receipts, invoices, FIRs, etc. are required for a domestic travel insurance claim. You can get more information from the customer care executive of your insurer.

    What is the claim settlement process under the corporate travel insurance?

    You can register your claim in two ways—online and offline. For online claim settlement, visit the insurance provider's website to register your claim and upload the necessary documents. If you prefer offline claim settlement, you can register your claim by contacting the designated person.

    Can I renew my travel insurance policy?

    Some travel insurance policies may offer renewal options, but this is not always standard. Generally, travel insurance is designed for specific trip durations. It is best to check with your insurance provider to see if renewal is possible and under what conditions.

    How can I extend my travel insurance plan?

    Extending a travel insurance plan depends on the specific policy and provider. Some policies may allow extensions under certain circumstances, while others may require purchasing a new policy. Contacting your insurance provider directly is the best way to determine if an extension is possible or not.

    What happens if my travel insurance expires?

    If your travel insurance expires while you are still traveling, you will no longer have coverage for any medical emergencies, lost luggage, or other risk. This means you would be responsible for any expenses incurred during your travel after your policy expiration. It is recommended to ensure your travel insurance covers the entire duration of your trip.

    What is the validity period of travel insurance?

    The validity period of travel insurance varies significantly. It is tied to the length of your trip, and policies are typically purchased for specific durations. These durations can range from a few days to several months, depending on the policy and provider. Always confirm the exact validity period with your insurance provider before your trip.

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    What Customer Say About Bajaj General Insurance

    Stress-Free Journeys

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    31st Jan 2025

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