Travel Insurance Saver
Single Trip Annual Multi Trip
    28
    September
    2021
    29
    September
    2021
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be covered.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you have changed this amount to $0.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country.

    If the cruise only visits stops within Australia, make sure you select the ‘Cruising – Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.

    Altitude Limits

    There are no limits associated with altitude when hiking. Please refer read the Product Disclosure Statement and general

    exclusions before deciding. 

     

    There are no limits associated with altitude when hiking. Please refer read the Product Disclosure Statement and general

    exclusions before deciding. 

    There are no limits associated with altitude when

    Medical

    Medical assessment online

    To add an existing medical condition please get a quote and select the  'Medical Condition' under Features and More Information.  Australian Travel, Annual Multi Trip & Comprehensive travel plans are the only policies that you can add Existing Medical Conditions onto. 
    When you confirm that you have an Existing medical condition that isn’t automatically covered, you will be redirected to complete a medical screening 

    What's an existing medical condition?

    An existing medical condition is any medical condition which:
  • at the time you buy your policy is:
    • chronic; or
    • displaying symptoms; or
    • under investigation; or
    • pending follow-up consultation, treatment or surgery; or where these are recommended or planned; or
    • metastatic; or
    • terminal; or
  • in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or
    • medication prescribed; or
    • surgery.
  • Automatically covered conditions

    There is automatic cover for over 40 existing medical conditions. Your medical condition is classified by nib as an automatically covered condition if it's listed in the list below, provided that you satisfy all criteria listed for that condition. If you have an existing medical condition that's not automatically covered under your policy, then you won't be covered for any claim that arises in relation to that existing medical condition.

    Extras

    Acne - You haven’t received treatment for your acne from a medical practitioner in the three months prior to buying your policy.

    Allergies - You follow advice in accordance with your medical practitioner (such as to carry EpiPens, antihistamines/ other preventative medication at all times) and, at the time you buy your policy, you:

    • have no other known or underlying respiratory conditions or diseases (for example, asthma); and
    • have not required treatment from a medical practitioner for your allergies in the last six months.

    Anaemia (Iron Deficiency) - No criteria apply.

    Asthma - At the time you buy your policy, you:

    • are under 60 years of age;
    • have no other known or underlying respiratory conditions (including sleep apnoea);
    • haven’t required cortisone medication, except taken by inhaler or puffer; and
    • haven’t required hospitalisation for asthma in the last two years, including as an outpatient.

    Bell’s Palsy - No criteria apply.

    Benign Positional Vertigo - At the time you buy your policy, you haven’t required hospitalisation for benign positional vertigo in the last two years, including as an outpatient.

    Bunions - At the time you buy your policy, you haven’t had surgery for bunions in the last three months and have no surgery planned.

    Carpal Tunnel Syndrome -  At the time you buy your policy, you haven’t had surgery for carpal tunnel syndrome in the last three months and have no surgery planned.

    Cataracts - At the time you buy your policy, you have no ongoing complications, haven’t had surgery for cataracts in the last three months, and have no surgery planned.

    Coeliac Disease - At the time you buy your policy, you haven’t required hospitalisation for coeliac disease in the last two years, including as an outpatient.

    Congenital Blindness - No criteria apply.

    Congenital Deafness - No criteria apply.

    Diabetes Mellitus (Types I and II) At the time you buy your policy, you:

    • were diagnosed more than six months ago;
    • haven’t had any complications in the last six months;
    • have no eye, kidney, nerve or vascular complications;
    • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
    • have no known cardiovascular/ coronary heart disease.

    Dry Eye Syndrome - No criteria apply.

    Ear Grommets - At the time you buy your policy, you have no current ear infection.

    Epilepsy - At the time you buy your policy, you’ve:

    • no underlying medical conditions (for example, previous head trauma, stroke);
    • not changed your medication regime for epilepsy in the last 12 months; and
    • not required hospitalisation for epilepsy in the last two years, including as an outpatient.

    Folate Deficiency - No criteria apply.

    Gastric Reflux - Your gastric reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).

    Glaucoma - At the time you buy your policy, you have no ongoing complications, haven’t had surgery for glaucoma in the last three months, and have no surgery planned.

    Goitre - The underlying medical cause excludes tumour.

    Graves’ Disease - At the time you buy your policy, you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months.

    Hashimoto’s Disease - The underlying medical cause excludes tumour.

    Hiatus Hernia - At the time you buy your policy, you haven’t had surgery for hiatus hernia in the last six months and have no surgery planned.

    Hypercholester­olemia/ Hyper­lipidaemia (High Cholesterol / High Lipids) - Provided you have no cardiovascular/ coronary heart disease.

    Hypertension (High Blood Pressure) - Provided at the time you buy your policy:

    • you have no known cardiovascular/coronary heart disease; and 
    • your current blood pressure reading is lower than 165/95
    Hypothyroidism (underactive thyroid) - The underlying medical cause excludes tumour.

    Hyperthyroidism (overactive thyroid) - The underlying medical cause excludes tumour.

    Impaired Glucose Tolerance - At the time you buy your policy, you:

    • were diagnosed more than six months ago; 
    • haven’t had any complications in the last six months; 
    • have no eye, kidney, nerve or vascular complications; 
    • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
    • have no known cardiovascular/ coronary heart disease.
    Incontinence - You have no underlying gastrointestinal or urinary condition.

    Insulin Resistance - At the time you buy your policy, you’ve:

    • no known cardiovascular/coronary heart disease; and
    • not required hospitalisation for insulin resistance in the last two years, including as an outpatient.
    Iron Deficiency - No criteria apply.

    Macular Degeneration - No criteria apply.

    Migraine - You haven’t required hospitalisation for migraines in the two years prior to buying your policy, including as an outpatient.

    Nocturnal Cramps - No criteria apply.

    Osteoporosis/ Osteopenia - At the time you buy your policy, you:

    • haven’t had any fractures;
    • don’t require more than one medication for this condition; and
    • have no other conditions involving the neck or back.

    Pernicious Anaemia - No criteria apply.

    Plantar Fasciitis - At the time you buy your policy, you haven’t had surgery for plantar fasciitis in the last three months, and have no surgery planned.

    Raynaud’s Disease - At the time you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s disease in the last six months.

    Sleep Apnoea - At the time you buy your policy, you:

    • have no other known or underlying respiratory conditions (including asthma); and
    • haven’t required hospitalisation for sleep apnoea in the last two years, including as an outpatient.
    Solar Keratosis - Your condition has been confirmed as benign.

    Trigeminal Neuralgia - You haven’t required treatment by a medical practitioner for trigeminal neuralgia in six months prior to buying your policy.

    Trigger Finger - At the time you buy your policy, you haven’t had surgery for trigger finger in the last three months, and have no surgery planned.

    Vitamin B12 Deficiency - No criteria apply. 

    Changes in your health before travelling

    If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner that you are fit to travel andget written confirmation. If you don’t get your medical practitioner’s written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won’t be covered for any claim that arises from that condition if you still travel.
    Don’t forget, our definition of an existing medical condition includes a condition that was displaying symptoms or that you were undergoing investigations for at the time you bought your policy. If you did not tell us about your existing medical condition when you bought your policy, contact us as soon as possible.
     

    If your existing medical condition is not one of the automatically covered conditions listed above or your do not meet the criteria for your condition to be automatically covered, please follow the prompts to complete a medical screening when quoting your policy

    Single Trip Annual Multi Trip
      28
      September
      2021
      29
      September
      2021
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      Medical Condition

      An existing medical condition is any medical condition which:

      At the time you buy your policy is:
      • chronic; or, 
      • displaying symptoms; or, 
      • under investigation; or, 
      • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
      • or metastatic; 
      • or terminal; or
      in the six months prior to the time you buy your policy there has been:
      • treatment by a medical practitioner; or 
      • medication prescribed; or 
      • surgery.

      Please refer to existing medical conditions that meet the criteria for automatic cover

      Snow Sports

      If you are participating in Snow sports on your trip you need to add this option to be covered.

      By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

      Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

      $0 Excess

      By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

      Variable excess option An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you have changed this amount to $0.

      Cruise

      Cruising is covered as standard. If the cruise only stops in one country, just select that country.

      If the cruise only visits stops within Australia, make sure you select the ‘Cruising – Australian Waters’ option and NOT just Australia.

      If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.

      Altitude Limits

      There are no limits associated with altitude when hiking. Please refer read the Product Disclosure Statement and general

      exclusions before deciding. 

       

      There are no limits associated with altitude when hiking. Please refer read the Product Disclosure Statement and general

      exclusions before deciding. 

      There are no limits associated with altitude when