FAQs for Student Membership

FAQs for Student Membership

Indemnity Insurance cover period runs from 1 April to 31 March each year. If you join part way through the year, the Insurance premium is still due 1 April each year, contact NHPNZ for pro-rata costs.

How long does the cover run?

The Natural Health Practitioners of New Zealand insurance cover runs for 12 months from 1 April to 31 March of the following year.  Your Student Membership will need to be renewed annually during your training period.

What business activites am I covered for if insured through NHPNZ?

This is a fully comprehensive insurance cover. Comprehensive Cover includes:

General and Products Liability

Legal liability arising out of an occurrence in connection with the Business.

Employers Liability

Legal Liability as a result of any employee of the Insured sustaining personal injury arising out of or in the course of work, which is not covered by the Accident Rehabilitation and Compensation Act 1992.

Statutory Liability

Legal liability for Defense Costs and Penalties, other than criminal or specifically excluded Acts, arising out of an occurrence connected with the business.

Professional Indemnity

Professional Services: Provision of Training Services in the Natural Health Profession.

Do Students need to take out insurance cover?

Comprehensive NHPNZ endorsed liability insurance cover is available to approved student members.

What do I do in the event of a claim or complaint?
  1. Any claim or incident that may lead to a claim must be notified to NHPNZ and Rothbury Insurance Brokers immediately. A ‘claim’ would include receiving any written or verbal demand, any writ, summons, application or other legal or arbitral proceedings, cross claim and counter claim alleging any breach of professional duty.
  2. Your current policy also requires you to advise the Insurer as soon as practicable of any circumstances of which you become aware during the policy period which would give rise to a claim. We therefore recommend an overly cautious approach to notify such situations.
  3. When notifying any matter to any of the parties detailed above and overleaf, please ensure that the following information is provided (as a minimum) name of the claimant; nature of the claim; when and how did you first become aware of this complaint; copies of all correspondence relating to the claim.

Key Conditions

  • DO NOT at any time attempt to respond to a claim without the prior consent of the NHPNZ or your Insurance Broker. To do so could prejudice your right to cover under the Policy.
  • DO NOT appoint Legal Council or incur Legal Costs without reference to and prior consent from the NHPNZ or your Insurance Broker.
  • DO NOT admit liability at any time in any circumstance.
  • NEVER make any reference to the existence of an Insurance Policy to any potential claimant, as this may indicate access to ‘unlimited monetary resources’ and may result in the claimant never giving up on their claim.
Who is the insurer?

The insurance is provided by AIG Insurance New Zealand Limited and is arranged by Rothbury Insurance Brokers, the insurance adviser to the Natural Health Practitioners of New Zealand.  They have considerable experience in arranging covers of this type and has access to a panel of specialist legal advisers to assist you with claims.

Do I get a policy document?

No. To reduce administration, which can be a large part of the insurance cost, you will only be given a Certificate of Insurance. A copy of the full policy is available for inspection at the NHPNZ offices.

Do you have to pay anything towards the cost of a claim?

Yes. You have to pay the first $1,000 of any claim or costs incurred which is called the Excess.

If my cover runs for less than a year is the cost reduced?
When does cover start?

Cover starts as soon as the insurance company have approved your application.