Travel Insurance Saver

Existing Medical Conditions

Medical Travel Insurance

If you’re planning an overseas vacation you might want to seriously consider taking out a travel insurance policy. All international travel insurance policies offer some form of overseas medical and medical evacuation cover when critically ill or injured.Medical travel insurance
There are over 40 automatically covered medical conditions for which nib travel insurance can cover without the need for an additional premium. If you check the EMC list and see that your medical condition isn’t listed under the ‘Automatically Covered for Free’ section, or if you see that your condition is listed under the ‘High-Risk’ section; you can apply for an online ‘Medical Screening’ when you get a quote. This way you’ll be able to fill in the detail of your existing medical condition on the nib website, depending on the medical condition/s an outcome on coverage can be instant.

There are only a few countries with reciprocal health agreements with Australia. If you’re travelling overseas to a foreign country without travel insurance, or if you have an existing medical condition that you’ve not mentioned to your insurer, you could find yourself in financial difficulty if you need medical assistance. If the existing medical condition you have becomes exacerbated during your trip and you haven’t applied and been approved for specific cover for it, you might find yourself out of pocket and claim being declined. That’s why its best to be transparent about any existing medical conditions you have that aren’t ‘Automatically Covered’ for free. The only policies that you can apply for a medical screening are the Comprehensive, Australian and the Annual Multi Trip Travel Plans. 
Travel insurance for medical
Get wise and receive better medical care through your travel insurance provider. If you have a car accident while travelling, you will more than likely require medical attention. Not all countries follow the same system, so you might be directed to a free hospital or clinic if you don’t have sufficient funds. These places are infamous for doing poor work. While there are some countries with reciprocal health care, many travellers believe the Australian Government will pick up the bill which isn’t the case. There are only a few countries with reciprocal health agreements with Australia! In this case, your travel insurance can covers overseas medical and hospitalisation for certain aspects but may still not cover medical evacuation such as ambulances or being flown home in a medical escort plane.   

Choose your own trip length. You can buy travel insurance to cover a particular period, or the whole trip.
  • If you purchase a policy after departing Australia there is 72 hour waiting period of all claims. 
In case you’re travelling in and out of the country over the year, it is wise to consider taking out an Annual Multi Trip plan. This policy covers multiple trips up to 45 days back and forth from Australia. You’ll realise that it’s cheaper and cover is provided for each trip, not just one. 

Medical evacuation

There are situations where local hospitals are not outfitted to deal with certain serious medical conditions. This could be anything, from not having a surgeon with the right skill-set on hand to missing a particular anti-venom. If this is the situation, the hospital may need to transport you to a more readily equipped location. This doesn’t necessarily mean having to go back to Australia, it could just mean moving from a rural area to a city. Whatever the cause or situation, this kind of transportation can be costly and is another reason to  ensure your have adequate travel insurance coverage. 
nib may pay expenses which nib believe are reasonable and necessary to bring you back to your home in Australia, or to another destination of our choice.
The decision to evacuate or repatriate you is nib's and nib will not pay for any evacuation or repatriation expenses unless it is medically justified and you have received nib's consent. 


Are you suffering from an Existing Medical Condition and uncertain whether you will be eligible for medical cover when travelling? 

nib offers automatic coverage for over 40 existing medical conditions. nib defines an existing medical condition as:
any illness or injury for which, in the 12 months prior to policy purchase, you have:
  • had symptoms, or
  • been diagnosed, or
  • been prescribed medication, or
  • received (or are waiting for) medical treatment or
  • received (or are waiting for) tests, investigations or 
  • specialist consultation, or
  • received or been advised to attend a follow-up
  • consultation; or
  • had surgery or attended a hospital or clinic (as an outpatient or inpatient).
It also includes any chronic or ongoing medical condition or terminal illness.
This definition applies to you, your travelling party, a close relative or a business partner.

If it doesn’t fit that definition, nib doesn’t consider it to be an existing medical condition. If it fits that definition, nib would then look at the auto-covered list and criteria to confirm whether it’s auto-covered, if not you can apply for cover for that condition if you want. 
To view medical conditions which are automatically covered for free, and High-Risk Medical conditions click on the below link:
Medical travel insurance 

Travel insurance for pre-existing medical condition 

If your Existing Medical condition falls under the category of a High-Risk Medical Condition listed on the EMC page then you can choose to disclose this condition and the details of your health to nib to apply to have the medical condition covered in the event you are hospitalised, or your trip is affected due to repercussions of your condition whilst travelling. If you don't wish to get cover for the specific condition this will not void your policy, you just won't have cover for that specific condition or anything relating to it. Other medical conditions that are not associated with an existing medical condition may be covered.

Travel Insurance for Medical Cover

If your High-Risk Medical condition is not disclosed, then you will not be eligible for coverage related to that specific medical condition.  If you are uncertain of whether you should disclose your condition or not, follow the link provided above to the EMC page or call us for further information.   
Medical travel insurance 

Lodge a Medical Screening Assessment

If you have an existing medical condition; please click the ‘Medical’ button in the Features and More Information in the quoting panel for instruction to complete the medical screening process. 

This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.   

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