Travel Insurance Saver
Single Trip Annual Multi Trip
    14
    June
    2021
    15
    June
    2021
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    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

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be covered.

    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 have changed this amount to $0.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country.

    If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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.

    Altitude Limits

    There are no altitude limits associated to cover when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions and exclusions

    Travel Advice for India

    Extras

    It is always recommended you travel with a degree of caution throughout India. There is a risk of terrorist-related activity by militant groups, particularly in the border areas. You should pay close attention to your personal security at all time and monitor media reports for information about the possibility of security and safety risks. 

    In March of 2018, nine people were killed in an insurgent attack on Indian security forces. The culprits, an extremist-Maoist sect of the Indian communist party, detonated an IED against an Indian security vehicle. This occurred in Sukma district, Chhattisgarh. There has been constant and deliberate provocation between Indian security forces and the Indian communist party in this part of the country. It is one example of the potential for small but dangerous conflicts to arise in hotspots throughout the country.

    Given that India is a highly multi-ethnic country, conflict is sometimes unavoidable and common. Shopfronts in Mumbai and Delhi have been the targets for petty attacks, and tourists are frequently targeted for petty thefts and robbery. 

    If you are a woman travelling in India, we urge you to take extreme precaution and reconsider travelling alone. Woman are frequently groped on the streets in India, and in some cases, more seriously assaulted. We recommend you travel in groups of people, particularly at night time, and take main roads rather than dark side streets and alleys. 

    Protests and demonstrations are a common occurrence throughout India, sometimes these protests can turn violent. We recommend you stay away from any protests or political demonstrations just in case. As previously mentioned, border areas can sometimes be unpredictable, particularly along the Pakistan/Burmese borders where conflict is quite common. Always research your next destination and check Smart Traveller for precautions; especially if your next destination is off the beaten path.

    We advise you not to travel to the Kashmir and Jammu regions. These regions have a tumultuous history of conflicts, and successions with Pakistan, they’ve long vied for independence from both India and Pakistan. There is a strong Jihadi presence in the region, and smart traveller does not advise anyone to travel there at the moment. 

    You are advised not to travel anywhere near the border region with Pakistan. Pakistan and Indian relations are shaky, and frequently small conflicts break out amongst rebel and insurgent groups along the borders of these countries. 

    Some of the border regions with Myanmar are also inadvisable, if you should travel to the Myanmar border, it is advised you travel with extreme caution. 

    If travelling in Chhattisgarh, it is advised you exercise a high degree of caution. Skirmishes and conflicts have broken out over the past year between Indian communist party belligerents and Indian security forces. The two sides harass each other, IED’s have been used in the past, and it can obviously be extremely unsafe. 

    In the north-eastern states of Assam, Nagaland, Tripura and Manipur, we ask you to reconsider your need to travel there. The rates of armed robbery, kidnapping, extortions and terrorist-related incidents have increased over the past few years. If you should decide to travel to these areas, we recommend you do so with a high degree of caution, and with responsibility for yourself and others. 

    Back to the India travel insurance page. 
    Single Trip Annual Multi Trip
      14
      June
      2021
      15
      June
      2021
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      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

      Snow Sports

      If you are participating in Snow sports on your trip you need to add this option to be covered.

      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 have changed this amount to $0.

      Cruise

      Cruising is covered as standard. If the cruise only stops in one country, just select that country.

      If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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.

      Altitude Limits

      There are no altitude limits associated to cover when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions and exclusions