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:
- 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
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, you won't be covered for the medical condition unless you request complete a medical screening and add the condition to your policy.
If your Existing Medical condition isn't automatically covered 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.
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 as set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy