Pre-existing conditions
Sexually transmitted infections
Pregnancy and childbirth (except certain complications)
HIV-related illness
Suicide or attempted suicide
Situations that involve the influence of alcohol or non‑prescribed drugs  

“Where an excluded event under an insurance policy (such as suicide) results in death, the policy may also exclude cover for the cost of returning someone’s body to their home country,” the INZ said on its website.

Removing delays for employers 

The changes align the PSV scheme’s requirements with those of the Recognised Seasonal Employer scheme, according to the agency.

It will also better reflect the insurance products that are currently available in New Zealand, making it easier for migrant workers to obtain compliant insurance and removing delays for employers supporting applications.

“Until now, PSV health insurance requirements have not matched what is available in the New Zealand insurance market. In particular, existing insurance products do not include some of the cover previously required, such as repatriation of remains in any circumstance,” INZ said.

“Aligning health insurance requirements with what is available in the market will make it easier for migrants to meet visa requirements and provide greater certainty for employers supporting PSV applications.”