Parent Boost Visa Health Insurance Series: If You’re Coming from India.
This blog looks only at the UniMed/Accuro ParentStay Policy, the Parent Boost Visa Health Insurance. Want to know about the Orbit policy? Click here.
Why Parent Boost Visa Health Insurance for Matters to You
In late 2025 Immigration NZ brought out the Parent Boost Visa. This allows parents, like you, to live and visit their Kiwi children and Grandchildren for up to 5 years. It can be expensive, with costs for visa application, mandatory health/medical checks, and health insurance which must meet strict requirements.
For a quote you can contact me by email at any time, just click the contact form.
Who is the Insurance For
ParentStay by UniMed/Accuro is designed specifically for Parent Boost Visa applicants who need compliant cover. Health treatment costs in New Zealand can be high and this policy offers cover for 12 months at a time. This gives you and your family peace of mind while catching up with the grandchildren.
What This Insurance Includes
| Benefit | Minimum Coverage |
|---|---|
| Emergency Medical Care | NZD $250,000/year |
| Cancer Treatment | NZD $100,000/year |
| Medical Repatriation | NZD $250,000 lifetime |
| Return of Remains | NZD $50,000 lifetime |
| Mental Health | NZD $1,000/year |
This cover meets, at a minimum, NZ immigration criteria for Parent Boost Visa Health Insurance.
Estimated Premium Breakdown
Like most insurances the premium will change with age and for the Parent Boost Visa Health Insurance the country of origin is important. In order to receive the visa evidence of the premium payment is required as well as the policy so you must pay the full premium in advance. There is no option for an excess or co-pay to reduce the premium.
| Age | Annual Premium NZ$ | Annual Premium (INR) |
| 50 | $2673.60 | 1.4 lakh |
| 55 | $2958.48 | 1.55 lakh |
| 60 | $3447.36 | 1.81 lakh |
| 65 | $5181.36 | 2.72 lakh |
| 70 | $6884.76 | 3.62 lakh |
| 75 | $8256.00 | 4.34 lakh |
| 80 | $9640.92 | 5.1 lakh |
These figures are based on quotes done on 28.12.25 and are in $NZ. Exchange rate is based on INR 52.52 = $1.00 NZ, the official exchange rate on 28.12.25.
Remember for a personalised quote drop me an email here.
Cover Exclusions
The policy doesn’t cover everything, so make sure you understand what it excludes as well as what it covers. What the policy doesn’t cover:
- Non-urgent and elective treatment
- Pre-existing conditions not accepted
- Routine check-ups and GP visits
If pre-existing conditions lead to specific exclusions, Accuro/Unimed will document them in your policy certificate.
How to Apply
Application are made after Immigration NZ give a visa approval in principle. To apply you will also need to provide the results from the medical carried out for the visa and a completed application. Underwriting will assess individual risk.
This can take up tp 5 working days to process so don't leave it to the last minute. There are only 3 months from the approval in principal to submit evidence of health insurance.
Pre-Existing Conditions and Eligibility
Serious conditions such as terminal illness, oxygen dependence, previous organ transplant typically make applicants ineligible for ParentStay. Other conditions such as diabetes may result in an exclusion, which will mean no cover for that condition. Accuro/Unimed will not offer cover for many chronic conditions although Orbit/nib may consider cover, potentially for a fee. Find out more here.
Other Costs for Indian Applicants
| Item | NZD | Approx. INR |
|---|---|---|
| Parent Boost Visa Fee | $3,000 | 1.58 lakh |
| Tourism Levy | $100 | 5,250 |
| Health Check Fee (third year) | $325 | 17,000 |
Visa Medical in India
INZ medicals in India typically include chest X-ray, blood/urine tests, and doctor exam. Private costs may be ₹7,000–₹15,000+ depending on provider. There may be more expenses if the initial medical shows results which require further investigation.
Summary
Whether traveling from India or anywhere else in the region, applicants should budget for the visa application costs, the mandated insurance premiums, and additional travel and medical costs. Planning early gives clarity on total outlay when applying for the Parent Boost Visa with UniMed ParentStay.
Cover Yours Ltd (FSP769531) and Marc Hamilton (FSP306046) are registered Financial Service Providers and you can search the register here. Marc Hamilton is a member of the FSCL Disputes Resolution Service. Cover Yours Ltd and Marc Hamilton’s disclosures can be found here or by emailing marc@coveryours.co.nz
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