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Limits, sub-limits, conditions and exclusions apply. Insurance administered by Orbit Protect Ltd, underwritten and issued from 1 March 2024 by nib nz limited. Information provided is correct at the time of writing and is general information only. If you need more information or have specific questions, please read and refer to Policy Wording or contact us. To know whether any policy or plan is right for you, we suggest you speak with your own independent and qualified financial adviser or insurance broker.