商业医疗保险，意外事故保险--NEW ZEALAND HAS ACC-all accidents happen in NZ will be covered by ACC, not by insurance compnay or employer.
Your Remueration package has been included in your offer, that's is, as I know for some compnay, they will pay bonus if they are profitable, but this is not 100% gurantee, so normally won't be stated in the contract.
Medical insurance,some companies will include medical insurance in their remueration package to the employee, you may need to negotiate this with your employer if you can't find it from the contact.
儿童牙齿矫正--I think this is additional to normal medical insurance. You can have that covered if you are willing to pay more for coverage. Since it would be very expensive to do anything about your teeth.作者: 呼啸寒风 时间: 2012-2-9 17:29:43