Travel Insurance Saver
Single Trip Annual Multi Trip
    20
    April
    2024
    21
    April
    2024
    Traveller 1
    Traveller 2
    Child 1
    +Child/Children

    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. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    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. Click the link to find out more about Snow Sports travel insurance.

    $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 can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘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, conditions, 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.
    Click the link to find out more about travel insurance for cruising.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Child/Children

    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. Click the link to find out more about one way travel insurance.

    Brunei - Geography

    Extras

    Brunei Darussalam lies on the northwest coast of Borneo Island, where it faces the South China Sea. With a land area of 5,765 square kilometres, it shares a common border with Sarawak, an east Malaysian state, which divides Brunei Darussalam into two, the eastern part is the Temburong District while the western portion consists of Brunei-Muara, Tutong and Belait districts. 

    The 570-sq.km. Brunei-Muara District, where the capital, Bandar Seri Begawan is located, is the smallest, but the most important and populous of the four districts. 

    The Belait District, the centre of the oil and gas industries, is about 100 klms from the capital.

    Hilly lowlands, swampy plains and alluvial valleys dominate the Brunei-Muara, Tutong and Belait districts in the larger western portion of the sultanate. 

    Mountainous terrain dominates in the eastern district of Temburong which has a land area of 1,288 sq.km. To the east, the wide coastal plain reach up to 1,841 metres above sea level on Mount Pagon in the Temburong District. 


    River System

    Four main river Systems irrigate the four districts of Temburong, Belait, Tutong and Brunei-Muara.

    Temburong, the smallest of the rivers, drains nearly the whole district.

    The 2,700 sq. km. Belait basin has the largest area. The upper catchment is mostly jungle and is sparsely populated. Sandbars at the river mouth restricts shipping and water flow to the South China Sea.

    The Tutong river covers the 1,300-square kilometre Tutong Basin. Sandpits and sandbars make a complex estuary system at the Tutong river. Subject to high tidal influence, its lower catchment area has a flood plain. Dense mangroves and nipah palms, a rich breeding ground of coastal fisheries, cover the lower parts of rivers near estuaries. Pristine tropical jungles and valuable freshwater sources are the upper reaches of Brunei river. The Brunei River runs into the Brunei Bay.

    Islands

    Within the Brunei border are 33 islands with a total area of 7,939 hectares or 1.4 per cent of the total land area. Offshore are two of these islands while the others are in inner Brunei Bay and in the country's major rivers. Mostly jungle covered, their sandy beaches face the open sea and mangroves of areas facing inland.

    Largely uninhabited, the islands are an undisturbed environment, and a breeding ground for endangered species.

    Mangroves

    Primary tropical jungles cover about 75 per cent of Brunei. About three per cent of the total land area, or 18,814 hectares, are relatively unexploited and among the best-preserved mangroves in the region.

    Of Brunei mangrove flora identified, 88 species are flower plants while 33 are ferns. There are a variety of insects, crabs, snails, shrimps, prawns, fish, otters, turtles, lizards, bats, flying foxes, bird species, especially kingfishers, monkeys (including the rare proboscis monkey) and crocodiles in the less accessible swamps.

    Back to Brunei Travel Insurance page.

    Before choosing a policy, please be aware that terms and conditions, exclusions, limits and/or sub-limits will apply to most sections. It is important to read the Product Disclosure Statement (PDS) before making any purchase to ensure the cover provided matches your specific requirements.