Student Handbook 2009-2010
Information for Students
We are pleased to welcome you at AWI and hope your time here will be happy and productive. We wish you well with your studies.
General Information
Please notify the Academic Manager or Administrator if you change your address or telephone number.
AWI Staff are available to talk about New Zealand culture and systems, which are relevant to everyday life.
Bilingual staff are available to talk with students
Students are able to use Students Common Room from Monday to Friday, 8.00am - 6.00pm. Computers are available for checking emails. Facilities provided include, vending machines, water cooler, microwave oven and fridge. It is expected that all students will assist in ensuring this area is safe and welcoming to all AWI students and it is kept clean and tidy.
Student notice board is located in the Student Common Room. It provides information on current activities, and other items of interest to students.
AWI student ID cards are available from the receptionist. Building security access pass are available from the reception for $20, please provide your student ID. All students must wear their student ID at all times.
Every student is welcome to use AWI Library and Student Study Area for information, reading and study. You may borrow items from the Library using your student ID card. New students will be provided with the instruction on library use at the start of the course.
Students have access to computer suites as parts of their scheduled learning for processing of assignments and reports and also for personal correspondence.
Although we do our best to ensure the security of all property on our premises, AWI does not accept responsibility for your property.
Although we attempt to deliver telephone messages you as soon as we receive them, AWI does not accept responsibility for their accuracy and timing.
Code of Behaviour
This code applies to all staff and students of AWI:
- Smoking is not permitted at AWI premises on campus or in the building by law.
- In particular there is no smoking allowed in the toilet areas or stairwells it is against the law to smoke anywhere inside the building. The only smoking area is out on the street. Please dispose of your cigarettes thoughtfully by distinguishing and placing in a public waste bin.
- Mobile phones are not allowed during classes.
- Alcohol or drugs may not be brought to or consumed at AWI premises.
- The consumption of food and beverages is not permitted in the classrooms, workshops or the library.
- Harassment of any sort is not permitted. Harassment is unwanted and unsolicited behaviour that interferes with the rights of an individual to benefit from the educational opportunities offered by AWI.
- Plagiarism is attempting to pass off the work or ideas of another person as your own, and is not permitted. Consequences of plagiarism may lead to course dismissal. Plagiarism includes cheating in any written form.
- To prevent plagiarism you are required to acknowledge the author(s), article, books, journals or web sites in a reference section at the end of the assignment.
- Staff and students of AWI are expected to respect the property, rights, copyrights and values of others at all times.
- Vandalism is the undertaking of destruction or defacing of property with the intent to cause harm physically on the property or emotionally on the owners of the property. AWI wishes to maintain a positive learning environment at all times. If you witness someone damaging property please report the incident to a member of staff. If you see damaged property please report to a staff member.
Students Support Services
- AWI administration staff provides a confidential service, which is available to all students and staff at AWI. They assist with personal problems such as relationships, loneliness and stress.
- Learning Assistance Tutor provides learning assistance on a one-to-one or group basis, for students who need help or advice with organizing their study. Come to see our Learning Assistance Tutor if you need to improve your study skills.
- AWI Library is available daily please check timetable displayed on the library door for attendance hours.
- If you require assistance in the library please contact reception.
The Treaty of Waitangi
The Treaty of Waitangi is a New Zealand founding document which contains the agreement between the British Government and Maori living in New Zealand at the time of its singing. The Treaty is an important part of the social and business environment of modern New Zealand society. (English and Maori texts are available to all staff and students in the AWI Library).
Health and Safety Policy
AWI is firmly committed to developing, implementing and observing a safe and healthy work environment for staff members, students, contractors and other visitors and to continually improving the systems, practices and appropriate resources to achieve this. A safe and healthy work environment is achieved through the co-operation and compliance of every staff member with AWI procedures and relevant work standards, which are developed through a participatory approach.
In the event of an emergency alarm all occupants of the building must evacuate by the nearest exit via the stairs only, do not use the lift. Exit the building calmly to the area designated on Queen St and do not attempt to re-enter the building until the Fire Service or the Building Warden signals the all clear. (Note that the alarm bell being turned off is not the all-clear signal.) Occupants should leave the building in an orderly manner (avoid panic and do not run) and should not attempt to carry cumbersome equipment or personal belongings. Elevators must not be used during an evacuation.
Attendance
- All students must attend all aspects of the programme and cannot absent themselves or leave from any particular segment without prior approval of the Academic Manager.
- Students who are absent from classes for 2 weeks continuously without having advised the Academic Manager are liable to have their enrolment cancelled.
- 80% attendance should be achievable for every student studying at AWI. Aiming for 100% class attendance.
- Students may be placed on a supervised study plan when attendance records show below standards; these students are seen as at “risk” and require further monitoring.
- Warning letters are provided to the student when absence without due cause falls below the required attendance. Disciplinary matters of written warning letters are given to the student on each subsequent failure to attend class. Third written warning the student would be referred to NZ immigration of non attendance.
- Students are required to be punctual at all times.
- Every effort should be made to arrange medical, dental and related appointments outside of scheduled class hours.
- A student who feels unwell should advise the programme co-ordinator, tutor or receptionist and give information to assist in dealing with the situation if possible. All supporting medical documentation should be provided before obtaining an Attendance Letter.
- You can have a longer holiday only (the length of holiday at the discretion of AWI) if you have a very serious reason such as serious illness or disability of the student, death of a close family member (parent, sibling, spouse or child). You need to specify the reason for your holiday and attach all necessary documents. If your attendance is 50% or lower you cannot have a longer holiday whatever the reason.
- Attendance falling below the 80% criteria will prevent the student applying for exam resits. See full resit policy for further details of resit criteria.
Disciplinary procedures
- Any staff member may issue a verbal warning to a student who breaches the Institute’s Code of Behaviour. (A copy of the Code of Behaviour is available in the Common Room, from your tutor or any administration staff). AWI management will be informed immediately after the warning is given and the incident recorded in the AWI Incident Register.
- After two verbal warnings have been issued to a student, and in the event of a further breach, the Academic Manager will issue a written warning to the student within 48 hours.
- After a written warning has been issued, further breach of AWI rules may result in suspension or dismissal at the discretion of the Management Team.
- Not withstanding the above, instant suspension or dismissal may occur if students attend any Institute course while possessing or under the influence of alcohol or drugs.
Fees
All fees and charges are payable in advance, unless otherwise negotiated and agreed with the Manager
- Refunds of fees in the case of withdrawal from AWI courses will be made in accordance with the Education Amendment Act (1991) and are detailed below under Cancellation.
- The AWI Student Fee Trust Account protects all students’ fees. All funds are made to the AWI Trust Account with the Trustee as the sole sign authority. Funds are drawn down to the AWI only after 9 days after the start of the course. Drawdowns are limited to tuition fees in arrears for courses attended and the unused accommodation deposits are returned to students upon the arrivals in New Zealand.
Cancellation/Withdrawal
- Cancellation made in writing before or within the first 8 days of the course commencement as stated in the Offer of Place will result in a refund of tuition and unused homestay fees except for 10% of tuition fee or $500 whichever is lesser. There will be no academic penalty. Students who are suspended from study following academic or disciplinary procedures are not eligible for a refund of fees.
- Cancellation after the first eight days of your course: AWI will refund any unused portion of your homestay fees (if any). The student’s academic record will show “Did Not Complete’ the programme.
- All cancellations and applications for a refund must be received in writing. Before making a refund, we will require evidence that you have changed your visa status or returned to your home country. All accompanying documentation (all original) must be provided within the first 8 days of the course commencement.
AWI Student Testing Procedures
All students are required to undergo assessments during their period of study at AWI so that they can be promoted to a higher level or can be shown to meet a required standard in a particular field.
After sitting an assessment students’ results will be displayed in 1 weeks time. After the assessment has been giving so that the students can ensure they have the correct result recorded against their name. For privacy reasons students ID numbers will be used to display the students marks.
Tutors are to give feedback on the assessment results highlighting any problems that students found difficult in the assessment. The tutors will give detailed reasons as to why students have failed or succeeded in any areas of the assessment as deemed necessary.
If students are faced with promotion or demotion from the results of an assessment, then the reasons for the demotion or promotion should be clearly explained to the student.
Students’ test scripts are not be returned to the students if these are required to be kept in the students file.
If any student is unhappy with their mark in an assessment a student is to appeal in writing against their mark within 48 hours of receiving the result. The student is to ask (in writing) for a remark and this will allow the tutor to take the test script to two other independent tutors for remarking and auditing. These two tutors will establish if any adjustment in the final mark is deemed necessary. (this is a second moderation of a test script).
The school reserves the right to adjust or give any assessments that is deemed necessary.
The use of dishonest practices (such as cheating) is unacceptable. Examples of such practices are:
- Using unauthorised notes during a test /exam.
- Submitting work that is not their own (plagiarism). For example copying work of another student (past or present) or copying information from published material without specifying its source, or allowing another student to copy or use their work.
- Unauthorised collaboration is also cheating. Unauthorised collaboration means joint effort between students and others in preparing material submitted for assessment, except where this has been approved by the module programme. Students are encouraged to discuss matters covered in courses, but when writing an assignment, report, essay, or other piece of assessed work, the recording and treatment of the data and the expression of ideas and argument must be the student’s own work.
- Re-submission of prior work without approval is not permitted. Students are required to submit original written work and not material that they may have submitted for other courses.
- Logging into another student’s computer area without that student’s permission.
- AWI regards any form of cheating as a serious matter of academic dishonesty, which threatens the integrity of the assessment processes. Acting dishonestly in assessment amounts to a breach of code of conduct. Each instance will be referred to the Academic Manager who may, if the circumstance warrant, refer the matter to the Institute Disciplinary Committee. It may result in any of the following for ANY student who is involved whether directly or indirectly:
- a fail for the assessment
- a fail for the paper
- suspension
- expulsion
Examination Rules are posted on the notice boards at AWI. You can make yourselves acquainted with them.
During an Exam students are not allowed to:
- speak to or disrupt another student
- Leave the exam room in the first 60 minutes and during the last 15 minutes.
- Arrive later than 30 minutes to sit the exam.
- Bring authorised materials or resources into the exam room
- Cheat or be dishonest
- Not to have your mobile phone turned on.
- Mobile phones are to be kept with your personal items at the front of the classroom. Accesses to your personal items are given by the permission of the exam monitor.
- The exam monitor may ask any person found cheating or breaking any exam rules to leave the room immediately & report the student to the disciplinary person for appropriate action.
AWI International Education Group
Exam Resit Policy
Exam Resit Policy: Dated 30/9/2009
- For the NQF quality standards we follow the NZQA policy.
The NQF, unit standards provides the opportunity for students to re-submit a failed unit standard on up to 3 attempts within the same assessment, allowing for tutor feedback on necessary improvements. - Non NQF qualifications: National Qualifications Business
Re-submission of course assessments are at the discretion of the Tutor.
Resit will be made available one time only per paper, providing students meet all other requirements.
Students requesting Resit will be provided with an “Application Form for Exam Resit” from the Administrator.
The student will produce a completed “Application Form for Exam Resit” within one week of receiving notification of failing the exam and submit the request to the Academic Manager. The form and the declaration must be completed by the student, reason for Resit, signed and a copy of the final failed exam results of 40-49% produced.
As a condition for Resit it is mandatory for the student to attend the final paper review session prior.
Students must have passed all requirements and / or assignments with a 50% pass rate or better and to have submitted their own work on time to their Tutor.
Students must have class attendance of 80% or better.
Decision is made on the final exam mark that fell between 40% - 49% and the student who would otherwise fail the paper to be entitled to resit the final exam. This would be in all cases a new and moderated paper.
Date and schedule of the Resit is at the discretion of AWI due to timetable and availability of human resources. Final examinations which in every case will be a new examination paper that has also been moderated.
Resit Cost: A fee will be charged and must be paid in advance to the Administrator, on application for Resit. Attached to the application form must be the receipt of payment. Resit fee prices are kept updated and can be found on the Application Form for Exam Resit. - Local Qualifications: AWI Diploma in Business (Level 7), Diploma in Hospitality (Level 5) and Diploma in IT (Level 7):
Re-submission of course assessments are at the discretion of the Tutor.
Resit will be made available one time only per paper, providing students meet all other requirements.
Students requesting Resit will be provided with an “Application Form for Exam Resit” from the Administrator.
The student will produce a completed “Application Form for Exam Resit” within one week of receiving notification of failing the exam and submit the request to the Academic Manager. The form and the declaration must be completed by the student, reason for Resit, signed and a copy of the final failed exam results of 40-49% produced.
As a condition for Resit it is mandatory for the student to attend the final paper review session prior.
Students must have passed all requirements and / or assignments with a 50% pass rate or better and to have submitted their own work on time to their Tutor.
Students must have class attendance of 80% or better.
Decisions are made on the final exam mark that fell between 40% - 49% and the student who would otherwise fail the paper to be entitled to resit the final exam. This would be in all cases a new and moderated paper.
Date and schedule of the Resit is at the discretion of AWI due to timetable and availability of human resources. Final examinations which in every case will be a new examination paper that has also been moderated.
Resit Cost: A fee will be charged and must be paid in advance to the Administrator, on application for Resit. Attached to the application form must be the receipt of payment. Resit fee prices are kept updated and can be found on the Application Form for Exam Resit.
AWI Academic Manager has the final decision on permitting a student to a Resit.
Prior to arriving in NZ please let AWI Administrator know of any record of illness. This is kept confidential and is important for us to provide you with the necessary help.
Personal hygiene is important and hand washing facilities are available on each floor.
If you are sick and cannot attend class you must call AWI Administrator on 09 372968 as soon as possible. When you are able to return to class you must complete a sick leave form and hand it tin to your lecturer or to the AWI Administrator.
If you are sick for 2 days or longer you must bring a Medical Certificate from your Doctor. When you are sick during a test, assignment or exam you must provide AWI Curriculum Manager with the Medical Certificate as evidence.
If you are in doubt over any proposed course of action, then discuss the matter with your lecturer and obtain clarification.
Absence from Classes
Class roles are maintained for each paper. The absences are analysed weekly and students who are absent are treated as “at risk” students. The risk may involve a student with poor attendance may achieve poor results. It is a requirement for the student attendance to be maintained and monitored for student visa purposes The NZ Immigration services (NZIS) needs to know the level of attendance for each student who holds a student visa. Students must maintain weekly a 20 hour tutor contact with an 80% minimum class attendance. Non attendance or failure to meet the 80% class attendance can prohibit a student obtaining further immigration & visa requirements. All students’ representatives must adhere to the AWI Code of Conduct and to be working positively towards improvements on the behalf of all students.
Student Representative
A student representative can be nominated by all enrolled students at AWI. The nominated student representative may act on behalf of all students. By submitting any grievance or suggestions for improvements to the management and make sure that the problem or opportunity is heard, discussed and actions made. Improvements to the AWI campus are welcomed and encouraged through open discussion on LAC where the student representative is required to take part twice a year. Coffee and chat group forums are scheduled twice yearly for all enrolled students to take part and discuss improvements to the campus and any other concerns they may have. During annual semester scheduling the dates and time will be available on the notice board for students 2 weeks prior.
Moderation of Assessment
Moderation helps to ensure that assessors make accurate and consistent judgements about students’ performances.
Internal Moderation
All assessments are subject to internal moderation by a peer tutor, prior to being given to students.
External Moderation
All assessments are subject to external moderation by an external moderator.
Where students’ work is used for the purpose of moderation of assessment, every effort will be made to ensure that fitting confidentiality will be maintained.
Programme Evaluation
As part of maintaining the standard of the programmes, students will have the opportunity to evaluate the courses and lecturers/tutors each term. This may involve written forms or oral communication.
Learning Skills
Learning and study skills are a complex mix of things that you have to take into account before, during and after you attend class.
They include:-
Planning
Managing time
Asking questions
Trying things out
Networking with your fellow students
Reading magazines (paper and electronic) to improve your knowledge Practise often your English vocabulary by reading out loud.
Practise your English skills with other people during naturally occurring conversations.
THE 5S APPROACH TO NOTE TAKING
- Read the chapter Summary or Outline and may appear at the beginning or the end of the topic.
It will give you your first indication of the material to be covered. - Read anything that has been made to Stand out from the rest of the text, by being underlined, placed in a box, printed in italics, in heavy type or by any other device.
- Skim read the chapter, just hitting the first or last sentence of each paragraph.
These three steps are to give you a good overview of the scope of the work covered in the topic. Do NOT expect to understand anything! - Now actually Study the material and work to understand it. Make your first notes.
- Summarise your notes, convert them into their final form.
Use any leaning style that suits you best, verbal, auditory or kinesthetic (VAK).
Here are nine strategies to make remembering more likely:
1. Expect to remember
2. Organise your material
3. Create mnemonics
4. Read aloud
5. Recognize your memory type
6. Repeat on half-time
7. Choose your time
8. Choose your place
9. Get involved.
We have structured study time available with tutor access. Please view the current time table.
Appeals
1. Students may appeal against decisions of the Institute staff, including assessment decisions.
2. Appeals should be initiated by:
2.1 Discussing the matter with the staff member who made the decision.2.2. If agreement cannot be reached with the staff member, the matter should be discussed with the Academic Manager.2.3. If agreement still cannot be reached, the Academic Manager will submit the appeal to the Board of Directors for consideration.2.4. If agreement still cannot be reached, the Manager will negotiate with the student an external moderator whose decision will be binding.
3. Additional policy and procedures for appeals may be specified in a programme’s regulations.
Complaints
1. Students may initiate a complaint about the actions of an Institute staff member. Staff and students are encouraged to adopt a non-adversarial approach to resolving complaints. Written complaints should be made on the form available from the reception.
2. Complaints should be initiated by:
2.1. Discussing the matter with the staff member involved.
2.2. If agreement cannot be reached with the staff member, the matter should be discussed with the Academic Manager.
2.3. If agreement still cannot be reached, the Academic Manager will submit the complaint to the Advisory Board for consideration.
The Chairperson, Board of Directors
AWI
PO Box 56-525 Dominion Rd
Auckland 1446
2.4. Students may make formal complaint to the New Zealand Qualifications Authority where steps 2.1 to 2.3 above have not resolved the matter to their satisfaction.
New Zealand Qualifications Authority
PO Box 160 Wellington
Phone 04 802 3000
Your tutors and administration staff are not trained counsellors. If you need personal support or counselling, please contact an appropriate external agency
Respond to life-threatening emergencies by dialling 111.
(Ambulance/ police/ fire emergency)
Support Agencies in Auckland
0800 367 222
Citizens’ Advice Bureau
305 Queen Street Phone 377 3314
CRISIS Mental Health Services
366 4287 (24 hour)
Disabled Citizens’ Society
421-423 Dominion Rd Mt Eden Phone 638 8153
Domestic Violence Centre
Help Line: 0800 Info Line (0800 4636 5463)
Newmarket Clinic
Level 2, 5 Short Street, Newmarket, Auckland
Phone: (09) 524 3341 Fax: (09) 524 3347
Family Planning Association
5 Short Street Newmarket Phone 522 0120
Legal Information Service
52 Hepburn Street Freemans Bay Ph 378 7444
NZ Income Support Services
450 Queen Street Phone 913 0500
NZ Immigration Service
Level 2, Ascot Central
7 Ellerslie Racecourse Drive, Greenlane East, Ellerslie, Auckland
Phone: (09) 916 0330 Fax: (09) 916 0339 Alcohol Helpline 0800 787 797
ALAC Northern Office
390 Mt Eden Rd Mt Eden Phone 623 0228
Peoples Centre
33 Wyndham Street Phone 302 2496
Presbyterian Support
Suite 2/1a 218 Lake Road Northcote North Shore City 0748
Phone: 09 419 4105 Fax: 04 419 4108
Relationship Services
1 Robert Street Ellerslie Phone 525 1051
Work & Income NZ
Auckland Central Regional Office Ph 913 2349
Summary Code of Practice for the Pastoral Care of International Students
Introduction
When students from other countries come to study in New Zealand, it is important that those students are well informed, safe, and properly cared for.
New Zealand educational providers have an important responsibility for international students’ welfare.
This document provides an overview of the “Code of Practice for the Pastoral Care of International Students” (the Code), and provides a procedure that students can follow if they have concerns about their treatment by a New Zealand educational provider or agent of a provider.
What is the Code?
The Code is a document which provides a framework for service delivery by educational providers and their agents to international students. The Code sets out the minimum standards of advice and care that are expected of educational providers with respect to international students. The Code applies to pastoral care and provision of information only, and not to academic standards.
When does the Code apply?
The Code commences on the 31st of March 2002. Educational providers then have six months to sign the Code. Between the 31st of March and the 30th of September 2002 you will need to check with the Ministry of Education if your provider is a signatory to the Code.
Who does the Code apply to?
The Code applies to all education providers in New Zealand with students enrolled on international study permits. The Code is mandatory to these providers and must be signed by them.
What is an “international student”?
An “international student” is a foreign student studying in New Zealand on a student permit from the New Zealand Immigration Service.
How can I get a copy of the Code?
You can request a copy of the Code from your New Zealand educational provider. The Code is also available online from “www.minedu.govt.nz/goto/international”.
How do I know if an educational provider has signed the Code?
The New Zealand Ministry of Education will maintain a register of all signatories to the Code. This list will be available from “www.minedu.govt.nz/goto/international”. If the educational provider that you are seeking to enrol with is not a signatory to the Code, you will not be granted a permit from the New Zealand Immigration Service and you will not be able to study at that institution.
What do I do if something goes wrong?
If you have concerns about your treatment by your educational provider or by an agent of the provider, the first thing you must do is contact the principal, the international student director, or another person who has been identified to you as someone that you can approach about complaints at your institution. The Code requires all institutions to have fair and equitable internal grievance procedures for students and you need to go through these internal processes before you can take the complaint any further.
If your concerns are not resolved by the internal grievance procedures, you can contact the International Education Appeal Authority (IEAA).
Summary to Code of Practice for the Pastoral Care of International Students
The Code sets standards for educational providers to ensure that:
high professional standards are maintained
the recruitment of international students is undertaken in an ethical and responsible manner
information supplied to international students is comprehensive, accurate, and up-to-date
students are provided with information prior to entering into any commitments
contractual dealings with international students are conducted in an ethical and responsible manner
the particular needs of international students are recognised
international students under the age of 18 are in safe accommodation
all providers have fair and equitable internal procedures for the resolution of international student grievances
Full details of what is covered can be found in the Code itself.
The Code also establishes the IEAA and the Review Panel to receive and adjudicate on student complaints.
What will the IEAA do?
The purpose of the IEAA is to adjudicate on complaints from international students. The IEAA will investigate complaints and determine if there has been a breach of the Code. The IEAA has the power to impose sanctions on educational providers who have committed a breach of the Code that is not a serious breach. These sanctions include an order for restitution, publication of the breach, and / or requiring that remedial action be undertaken.
The IEAA will refer complaints that are not about pastoral care to another regulatory body if appropriate.
The educational provider will be given a reasonable time to remedy the breach. If the breach is not remedied within that time, the IEAA may refer the complaint to the Review Panel.
The IEAA can determine if it considers that a breach of the Code is a serious breach. If the breach is a serious breach, the IEAA will refer the complaint to the Review Panel.
What can the Review Panel do?
The Review Panel can remove or suspend an educational provider as a signatory to the Code, meaning that the provider would be prevented from taking any more international students. Only the IEAA can refer complaints to the Review Panel.
What is the International Education Appeal Authority (IEAA)?
The IEAA is an independent body established to deal with complaints from international students about pastoral care aspects of advice and services received from their educational provider or the provider’s agents. The IEAA enforces the standards in the Code of Practice. ’
How can I contact the IEAA?
You can write to the IEAA at:
The International Education Appeal Authority
C/- Ministry of Education
PO Box 1666
Wellington
New Zealand.
CODE: AWI has agreed to observe and be bound by the Code of Practice for the Pastoral Care of International Students published by the Minister of Education. Copies of the Code are available on request from this institution or from the New Zealand Ministry of Education website at http://www.minedu.govt.nz/goto/international
IMMIGRATION: "Full details of visa and permit requirements, advice on rights to employment in New Zealand while studying, and reporting requirements are available through the New Zealand Immigration Service, and can be viewed on their website at http://www.immigration.govt.nz/"
ELIGIBILITY FOR HEALTH SERVICES: Most international students are not entitled to publicly funded health services while in New Zealand. If you receive medical treatment during your visit, you may be liable for the full costs of that treatment. Full details on entitlements to publicly-funded health services are available through the Ministry of Health, and can be viewed on their website at http://www.moh.govt.nz
ACCIDENT INSURANCE: The Accident Compensation Corporation provides accident insurance for all New Zealand citizens, residents and temporary visitors to New Zealand, but you may still be liable for all other medical and related costs. Further information can be viewed on the ACC website at http://www.acc.co.nz
MEDICAL AND TRAVEL INSURANCE: International students must have appropriate and current medical and travel insurance while studying in New Zealand.
