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    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.


    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.


    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.

    Travel insurance to India


    Travel Insurance for India

    Looking for India travel Insurance?
    Enter your travel details in the quote panel to view travel insurance for India.  


    Planning for a Holiday in India?


    Travel Insurance to India
    India is an incredible holiday destination. Nowhere else in the world can you find quite as much cultural and spiritual diversity in one place. 

    If you are planning to travel to India, you may wish to consider travel insurance to India before departing. 
    Because India is a developing nation, the rate of petty crime is high, particularly in large urban areas. Tourists make very easy targets for thieves and pickpockets. 
    During the holiday season, i.e., from March to September, airports and train stations become passageways for extremely large numbers of people. The train stations of Mumbai are infamous for being chaotic and overcrowded.

    Travel Insurance for your trip to India

    India has long been known as one of the world’s most fascinating places to visit. With a history reaching back many centuries, a vibrant culture, and some of the most amazing landscapes and scenery you will ever encounter, India is a world away from home. 

    Whether you are looking to travel to India for a relaxing, indulgent holiday, or to explore one of the many historic sites dotted across the country, you will not be disappointed. When travelling to India, the two most popular cities are New Delhi and Mumbai. As the busiest and most developed cities in the country, they offer a vast range of accommodation, restaurants, and attractions. 

    New Delhi is the Indian capital and is home to some incredible monuments such as the Qutub Minar, Humayun’s Tomb and the Red Fort. Mumbai, the country’s principal financial hub, is a bustling port city with many amazing sites, such as the Gateway of India, Elephanta Island, and the famous slums of Dharavi. 

    Both cities are bustling with life, culture, music, theatre, and art scenes. Away from the cities, India offers a wide variety of experiences. For the adventurous traveller, there are opportunities for wildlife safaris and trekking. Fortresses, temples and monuments adorn the country from Kashmir in the north to Kanyakumari in the south, each offering unique insights to the region’s culture. 

    India also has some of the most bustling food scenes of anywhere in the world. From spicy curries to light and refreshing vegetable dishes – you will never go hungry! Wherever you choose to go in India, you are up for an unforgettable experience. 

    Whether it is spending a week at the Taj Mahal, shopping in Delhi or exploring the markets of Mumbai, India is a destination you’ll never forget. So, if you are looking for an exciting and captivating experience, travel to India and let your journey begin!

    India travel insurance

    Map India Travel Insurance


    Language:   Hindi, English 
    Area:  1,261,497 sq. miles 
    Capital City:  Delhi 
    ± GMT:  +5½ hours 


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    Background information about India

    India is a country located in South-Asia. It is the seventh-largest country by geographical area and second-most populous country in the world. Bounded by the Indian Ocean to the south, the Arabian Sea in the west, and the Bay of Bengal in the east, India has a coastline of 7,517 kilometres. As you’d imagine, India has some amazing beaches, particularly the tourist hotspots of Goa, Calangute and Kovalam. 

    India’s land borders are Pakistan in the west; Nepal and Bhutan to the north; the People's Republic of China (PRC) in the North-East; and Bangladesh.   

    India is highly multicultural. There are many different religions in India, but the main ones are Hindu, Islam, Christianity, Sikhism, Jainism and Buddhism. The predominantly spoken languages of India are Hindi and English.  

    India informationFlag India Travel Insurance

    India Climate
    India Attractions
    India Activities
    India History
    India Language

    Australian Consulate-General in Chennai, India

    512, Alpha Wing, Raheja Towers
    177, Anna Salai
    Chennai 600 002
    Tamil Nadu, India

    Telephone  +91 44 2860 1160
    Fax           +91 44 2860 4988

    Australian High Commission, India

    Australian Compound
    No. 1/50 G Shantipath, Chanakyapuri
    New Delhi 110-021

    Telephone +91 11 4139 9900
    Fax          +91 11 2687 2228

    Australian Consulate-General in Mumbai, India

    36 Maker Chambers VI
    220 Nariman Point
    Mumbai - 400 021

    +91 22 6669 2000
    +91 22 6669 2005


    India is the world's second most populous country after China. Over the last 50 years, there have been many advances in medicine, agriculture and transportation in India. This has led to rapid growth in population.

    Around 70% of Indians inhabit rural areas, but recent decades have seen the migration of many rural living Indians to cities, increasing the population of urban centres, resulting in megacities like Mumbai. India's largest cities are Mumbai (formerly Bombay), Delhi, Kolkata (formerly Calcutta), Chennai (formerly Madras), Bengaluru (formerly Bangalore), Hyderabad and Ahmedabad.

    Travel Insurance to India

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

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    India 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 India.