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

    India Language

    Extras

    Language

    There are 22 major languages spoken in India, with over 720 different dialects. Hindi is the most commonly spoken language, about 57% of the population speak Hindi. English is the second most commonly 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. Never fear that you won’t be able to get by without a translator, with around one in ten people speaking English, you’ll never be that lost. 

    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.

     

    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.). 

    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. 

    In addition, every state and union territory have their own official languages, and the constitution also recognises in particular 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. 

    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. 

    Back to 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