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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.

    India Language

    Language

    There are 22 major languages spoken in India, with over 720 different dialects. Hindi is the most spoken language, about 57% of the population speak Hindi. English is the second most spoken language in India, with about 10% of the nation speaking English. After the African continent, India is the most linguistically diverse geographical entity on the planet. 

    There are two major linguistic families in India:

    • The Indo-Aryan, spoken by 74% of the population. They comprise much of India, except for the southern parts. 
    • The Dravidian, spoken by about 24% of the Indian population. They populate much of south India – states like Kannada, Telugu and Tamil.

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    English has the status of a subsidiary official language; is used extensively in business and administration, and in higher education, like universities. English is also used in the Supreme court and High court in India. The Indian legal system is based on English common law, much like other Commonwealth countries (Australia, Canada etc.).  

    Looking for Worldwide travel insurance, get a quote.


    Hindi, being the most spoken language in the country, is the official language of the union. Hindi has its early forms in the Vedic Sanskrit language, and the writing system for Hindi uses Devanagari braille. Every state and union have their own official languages, and as previously mentioned, there are around 22 major languages (including Hindi and English), which are recognised by the constitution. These languages are recognised because they are either abundantly spoken in the country, or because they have a classical status. Sanskrit and Tamil have been studied as classical languages for many years, but the Government of India has also awarded this status to Kannada, Malayalam, Odia, and Telugu.  

    Award-winning travel insurance Annual multi-trip plan available from Travel Insurance Saver.
    Get a quote online.


    In addition, every state and union territory have their own official languages, and the constitution also recognises 21 other languages that are either abundantly spoken or have classical status. While Sanskrit and Tamil have been studied as classical languages for many years, the Government of India, has accorded classical language status to Kannada and Telugu. The number of dialects in India is as high as 1,652.  

    Need Cruise Travel Insurance?
    Get a quote today. Consider the PDS & TMD.


    India is one of the most spiritually diverse places on the planet. It is the home of many religions. Over 800 million Indians are Hindu, about 80.5% of the population. Muslims constitute around 13.4% of the population, Christians around 2.3%, the Sikhs in the north around 1.9%, Buddhists (0.8%), Jains (0.4%), Jews, Zoroastrians, and others. There are many other tribal ethnicities, particularly in rural regions, which make up about 8.1% of the population. India has the highest population of Muslims in the world for a non-Muslim majority country, and the third-highest population in the world.  

    Need International Travel Insurance?
    Find out more about our online travel insurance products.


    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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