Travel Insurance Saver
Single Trip Annual Multi Trip
    29
    March
    2024
    30
    March
    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.

    $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.

    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

    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.

    Cambodia - History

    Extras

    The Funanese Empire reached its greatest heights under the rule of Fan Shih-man in the early third century C.E. 

    The Khmers, who are believed to be vassals of Funan had reached the Mekong River from the northern Menam River via the Mun River Valley. Chenla, their first independent state developed out of Funan, absorbing Funanese influence. 

    After the death of Jayavarman I in 681, turmoil came upon the kingdom and at the start of the 8th century, the kingdom broke up into many principalities. During this time, Shambhuvarman son of Pushkaraksha controlled most of water Chenla until the 8th century which the Malayans and Javanese dominated over many Khmer principalities. 

     

    The golden age of Khmer civilization was the period from the ninth to the thirteenth centuries. 

    The Angkorian monarchy survived until 1431, when the Thai captured Angkor Thom and the Cambodian king fled to the southern part of the country. 

     

    The fifteenth to the nineteenth centuries were a period of continued decline and territorial loss. Cambodia enjoyed a brief period of prosperity during the sixteenth century because its kings, promoted trade with other parts of Asia. This was the period when Spanish and Portuguese adventurers and missionaries first visited the country. 

    The Thai conquest of the new capital at Lovek in 1594 marked a downturn in the country's fortunes and Cambodia. Becoming a pawn in power struggles between its two increasingly powerful neighbors, Siam and Vietnam. Cambodia remained a protectorate of Siam. 

    In 1863, King Norodom signed an agreement with the French to establish a protectorate over his kingdom. The state gradually came under French colonial domination. 

    During World War II, the Japanese allowed the French government (based at Vichy) that collaborated with the republican opponents and attempted to negotiate acceptable terms for independence from the French. 

    Cambodia's situation at the end of the war was chaotic. The Free French, under General Charles de Gaulle, were determined to recover Indochina.

    Sihanouk's "royal crusade for independence" resulted in grudging French acquiescence to his demands for a transfer of sovereignty. A partial agreement was struck in October 1953. Sihanouk then declared that independence had been achieved and returned in triumph to Phnom Penh.

    As a result of the Geneva Conference on Indochina, Cambodia was able to bring about the withdrawal of the Viet Minh troops from its territory and to withstand any residual impingement upon its sovereignty by external powers. 

    Neutrality was the central element of Cambodian foreign policy during the 1950s and 1960s. Prince Sihanouk wanted Cambodia to stay out of the North Vietnam-South Vietnam conflict and was very critical of the United States government and its allies (the South Vietnamese government). 

    Opposition to the government grew within the middle class and leftists including Paris-educated leaders like Son Sen, Ieng Sary, and Saloth Sar (later known as Pol Pot). In August 1969, Lon Nol formed a new government. Prince Sihanouk went abroad for medical reasons in January 1970. 

    In March 1970, while Prince Sihanouk was absent, General Lon Nol deposed Prince Sihanouk in a coup d'état which. On October 9, the Cambodian monarchy was abolished, and the country was renamed the Khmer Republic.

    In 1972, a constitution was adopted, a parliament elected, and Lon Nol became president. 

    The Lon Nol government in Phnom Penh surrendered on April 17–5 days after the US mission evacuated Cambodia.

    Immediately after its victory, the CPK ordered the evacuation of all cities and towns, sending the entire urban population into the countryside to work as farmers, as the CPK was trying to reshape society into a model that Pol Pot had conceived.

    Thousands starved before the first harvest. Hunger and malnutrition—bordering on starvation—were constant during those years. Most military and civilian leaders of the former regime who failed to disguise their pasts were executed. 

    Within the CPK, the Paris-educated leadership—Pol Pot, Ieng Sary, Nuon Chea, and Son Sen—were in control. A new constitution in January 1976 established Democratic Kampuchea as a Communist People's Republic. 

    Prince Sihanouk resigned as head of state on April 4. On April 14, after its first session, the PRA announced that Khieu Samphan would chair the State Presidium for a 5-year term. It also picked a 15-member cabinet headed by Pol Pot as prime minister. Prince Sihanouk was put under virtual house arrest. 

    Solid estimates of the numbers who died between 1975 and 1979 are not available, but it is likely that hundreds of thousands were brutally executed by the regime. Hundreds of thousands died of starvation and disease this took place both under the CPK and during the Vietnamese invasion in 1978. Some estimates of the dead range from 1 to 3 million, out of a 1975 population estimated at 7.3 million. The CIA estimated 50,000–100,000 were executed and 1.2 million died from 1975 to 1979. 

    The reasons for Chinese support of the CPK was to prevent a Pan-Indochina movement and maintain Chinese military superiority in the region. 

    In late December 1978, Vietnamese forces launched a full invasion of Cambodia, capturing Phnom Penh on January 7, 1979, and driving the remnants of Democratic Kampuchea's army westward toward Thailand. 

    On January 10, 1979, Communist Vietnam installed Heng Samrin as head of state in the new People's Republic of Kampuchea (PRK). 

    On October 23, 1991, the Paris Conference reconvened to sign a comprehensive settlement giving the UN full authority to supervise a cease-fire, repatriate the displaced Khmer along the border with Thailand, disarm and demobilize the factional armies, and prepare the country for free and fair elections. On March 16, 1992, the UN Transitional Authority in Cambodia (UNTAC) arrived in Cambodia to begin implementation of the UN Settlement Plan. The UN High Commissioner for Refugees began full scale repatriation in March 1992. UNTAC grew into a 22,000-strong civilian and military peacekeeping force to conduct free and fair elections for a constituent assembly. 

    Over 4 million Cambodians (about 90% of eligible voters) participated in the May 1993 elections. 1993. It established a multiparty liberal democracy in the framework of a constitutional monarchy, with the former Prince Sihanouk elevated to King. Prince Ranariddh and Hun Sen became First and Second Prime Ministers, respectively, in the Royal Cambodian Government (RGC). The constitution provides for a wide range of internationally recognized human rights. 

    On October 4, 2004, the Cambodian National Assembly ratified an agreement with the United Nations on the establishment of a tribunal to try senior leaders responsible for the atrocities committed by the Khmer Rouge. 

    Back to Cambodia 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.