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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. 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.

    Activities in India

    Music

    India where, you will find as much diversity in their music as you will in their language. Indian music has inspired some of the western world’s greatest musicians. From The Beatles to Led Zeppelin, they’ve all had a trip to India to become more musically inspired. Expect to hear Indian Rock’n’roll, Bollywood music and even classical Indian music using sitars. Listen to the evocative instruments of Indian music, such as the sitar, sarod, and the subtle rhythm of the tabla. Note the variety of dance forms, each with its own costumes and elaborate language of gestures. 

    Looking for Annual multi-trip Travel Insurance?
    Find out more about AMT travel insurance


    Deserts

    You must experience India’s deserts. Jaisalmer, in Rajasthan, is where you will find the Desert Festival in January/February each year. Pushkar in October/November hosts the unique and lively Camel Fair. 

    Looking for Business Travel Insurance?
    Find out more travel insurance for business travel. Find out more.


    Golf

    India has very many golf courses. If you want to play golf with a twist, play on the highest golf course in the world – Gulmarg. From this point, you can take in the breathtaking view of Nanga Parbat, one of the world’s highest mountains. In winter, Gulmarg is transformed into a famous ski resort. If you’re serious about golf, head to DLF Golf and Country Club in Haryana. It is reputedly one of the finest courses in the country.  
    Find out more about travel insurance when golfing.


    Full Moon Party

    Goa is famed for some of the biggest and best parties in the world. From mainstream electronic parties to underground psychedelic trance – Goa has everything for the thrill seeker in you. 

    Looking for Overseas Travel Insurance?
    Find out more about overseas travel insurance

    Snorkelling/Scuba Diving

    Snorkel in the Andaman Islands, in the Bay of Bengal, a lushly forested archipelago that has exotic plant life and a wide variety of corals and tropical fish. 
    Find out more about travel insurance when scuba diving.


    Hindu Festival

    Be a part of the Durga Puja, held over September and October in Kolkata (Calcutta). It is one of the largest Hindu festivals in India. You can also go to the Holi festival. Held everywhere around India, it really goes off in the big cities (Mumbai, Delhi). Holi festival is held in March.

    Looking for online travel insurance?
    Compare quotes from Travel Insurance Saver for domestic and international online cover options


    Cruises

    Take a cruise down the tropical backwaters of Kerala, stopping on the way to walk through sleepy villages, enjoy a curry or some tea and chat with the friendly locals.

    Looking for Cruise Travel Insurance? Find out more about travel insurance for cruising..


    Back to India 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. 

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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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