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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.


    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. 


    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.

    History of India


    India has one of the longest and most well-documented histories of all the world’s civilizations. The history of the Indian people began in the Indus Valley, in northern India. The Indus Valley people flourished and populated much of the north-western Indian subcontinent. This was a bronze age civilization and boomed from around c. 3300 to 1300 BCE. Other notable civilizations co-existing on the planet alongside the Indus Valley people at this time were the ancient Egyptians and the ancient Mesopotamians.  

    Successive empires have ruled over different regions in India, from the Achaemenid Persian empire around 543 BCE to Alexander the Great’s conquest in 326 BCE. The Mughal’s ruled over parts of India in the 1500s, and the Sikh’s ruled the Punjab region in the 1700s. As you’d imagine, the many empires and kingdoms ruling over India have contributed strongly to Indian cultural diversity.  

    India had maritime business links with the Roman Empire through the Kerala people, around AD 77. In 712 CE, the Arab general Muhammad bin Qasim invaded and conquered Sindh and Multan in southern Punjab. This allowed for multiple invasions between the 10th and 15th centuries from Central Asia. Eventually, multiple Muslim empires were formed on the subcontinent.  

    The Mughal Empire, which helped spread Islam throughout India and south-east Asia, declined in the early eighteenth century. This decline gave rise to other ethnicities and kingdoms, such as the Afghans, the Balochis, who now reside in Pakistan, and notably the Sikh people (Punjab, Golden Temple).  

    India was annexed by the British East India Company in the mid-18th century. The Indians became dissatisfied with Company rule, which led to the First War of Indian Independence. After this period India was directly administered by the British Crown, which prompted rapid development and infrastructure growth (architecture of Kolkata).  Tea was introduced to India by the British to break the Chinese monopoly on the tea trade at the time. The British also introduced cricket, which is a passionate Indian past-time.  

    The Indian people undertook a long and arduous struggle for independence from the British. It began in the mid-1800s and continued for around a hundred years. There were multiple conflicts and movements. Mahatma Gandhi arose to prominence during the early parts of the 20th century. After travelling and practising law, he returned to India and began peaceful protests to gain independence for the country. The struggle for independence captured the entire nation. The Indian National Congress officially launched the campaign, who was later joined by the Muslim League. India gained independence from the British Raj in 1947.   

    The known history of India begins with the Indus Valley Civilization, which spread and flourished in the north-western part of the Indian subcontinent, from c. 3300 to 1300 BCE. Its Mature Harappan period lasted from 2600-1900 BCE. 

    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.