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    21
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    2024
    22
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    2024
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    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.

    Travel Insurance to Bahrain

    - Map Bahrain Travel Insurance

    Bahrain demographics

    Language:    Arabic; English widely spoken
    Area:             711.9 sp.km 
    Capital City:  Manama
    ± GMT:          +3 hours

    Is an island country in Western Asia. It is situated on the Persian Gulf, and comprises a small archipelago made up of 50 natural islands and an additional 33 artificial islands, centred on Bahrain Island which makes up around 83 percent of the country's landmass. Bahrain is situated between Qatar and the northeastern coast of Saudi Arabia, to which it is connected by the King Fahd Causeway. Bahrain spans some 760 square kilometres (290 sq mi), and is the third-smallest nation in Asia after the Maldives and Singapore.

    A very popular tourist destination for the surrounding Arabian and Gulf countries. Open air markets and gold jewellery traders are a feature. 

    The beaches and outlying islands give respite from the heat. 

    Bahrain is the site of the ancient Dilmun civilization. Famous since antiquity for its pearl fisheries, which were considered the best in the world into the 19th century. Bahrain was one of the earliest areas to be influenced by Islam, during the lifetime of Muhammad in 628 AD. Bahrain was ruled by the Portuguese Empire from 1521 until 1602, when they were expelled by Shah Abbas I of the Safavid dynasty.

    Until the late Middle Ages, "Bahrain" referred to the region of Eastern Arabia that included Kuwait, Al-Hasa, Qatif, and Bahrain. This was Iqlīm al-Bahrayn's "Bahrayn Province." The exact date at which the term "Bahrain" began to refer solely to the Awal archipelago is unknown. The entire coastal strip of Eastern Arabia was known as "Bahrain" for a millennium.

    Nearby countries of interest 

    Saudi Arabia travel insurance
    Kuwait travel insurance
    Qatar travel insurance

    Travel Insurance to Bahrain

    Please refer to the Australian Government website Smartraveller for general information about Bahrain from the Smartraveller website. Please read the PDS before considering travel insurance to Bahrain.

    - Flag Bahrain Travel InsuranceAustralian Embassy, Saudi Arabia

    The Australian Embassy in Saudi Arabia manages matters pertaining to after Bahrain  

    Australian Ambassador to Saudi Arabia

    Address
    Abdullah bin Hozafa Al-Sahmi Avenue
    Diplomatic Quarter
    Riyadh
    Saudi Arabia

    Postal address
    PO Box 94400
    Riyadh

    Telephone  +966 1 488 7788
    Fax              +966 1 488 7973

    Useful Links

    Travel Insurance
    Travel Insurance Australia
    International Travel Insurance
    Worldwide Travel Insurance
    Overseas Travel Insurance
    Seniors Travel Insurance
    Cruise Travel Insurance

    Bahrain Travel Insurance

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing travel insurance to Bahrain. 

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    Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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