Current Combined Financial Services Guide and Product Disclosure Statement (PDS) and agree to receive all documents electronically, where applicable. Confirms you have read in full and accept the Privacy Policy and agree for personal details to be used to provide travel insurance services.
Understands government restrictions may affect their ability to travel and that losses arising from border closures and travel bans are not covered by this travel insurance policy. Understands that if they fail to comply with warnings from the Australian Government, this travel insurance won’t cover any losses which arise from their failure to follow those warnings. Confirms that all people named on the policy are and the trip will start and/or end at their home(s) in Australia.
Do you have an existing 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.
International Travel Insurance (nibtravelinsurance.com)
Automatically covered conditions
We automatically cover you for over 40 existing medical conditions which may exist at the time you buy your policy. Your medical condition is classified by us as an automatically covered condition if it’s listed in the table below, provided that you satisfy all criteria listed for that condition. You must read this section together with the General exclusions, as these may affect your cover.
Acne
You haven’t received treatment for your acne from a medical practitioner in the three months prior to buying your policy.
Allergies
You follow advice in accordance with your medical practitioner (such as to carry EpiPens, antihistamines/other preventative medication at all times) and, at the time you buy your policy, you:
have no other known or underlying respiratory conditions or diseases (for example, asthma); and
have not required treatment from a medical practitioner for your allergies in the last six months.
Anaemia (Iron Deficiency) No criteria apply.
Asthma
At the time you buy your policy, you:
are under 60 years of age;
have no other known or underlying respiratory conditions (including sleep apnoea);
haven’t required cortisone medication, except taken by inhaler or puffer; and
haven’t required hospitalisation for asthma in the last two years, including as an outpatient.
Bell’s Palsy No criteria apply.
Benign Positional Vertigo
At the time you buy your policy, you haven’t required hospitalisation for benign positional vertigo in the last two years, including as an outpatient.
Bunions
At the time you buy your policy, you haven’t had surgery for bunions in the last three months and have no surgery planned.
Carpal Tunnel Syndrome
At the time you buy your policy, you haven’t had surgery for carpal tunnel syndrome in the last three months and have no surgery planned.
Cataracts
At the time you buy your policy, you have no ongoing complications, haven’t had surgery for cataracts in the last three months, and have no surgery planned.
Coeliac Disease
At the time you buy your policy, you haven’t required hospitalisation for coeliac disease in the last two years, including as an outpatient.
Congenital Blindness No criteria apply.
Congenital Deafnes No criteria apply.
Diabetes Mellitus (Types I and II)
At the time you buy your policy, you:
were diagnosed more than six months ago;
haven’t had any complications in the last six months;
have no eye, kidney, nerve or vascular complications;
have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
have no known cardiovascular/coronary heart disease.
Dry Eye Syndrome No criteria apply.
Ear Grommets
At the time you buy your policy, you have no current ear infection.
Epilepsy
At the time you buy your policy, you’ve:
no underlying medical conditions (for example, previous head trauma, stroke);
not changed your medication regime for epilepsy in the last 12 months; and
not required hospitalisation for epilepsy in the last two years, including as an outpatient.
Folate Deficiency No criteria apply.
Gastric Reflux
Your gastric reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).
Glaucoma
At the time you buy your policy, you have no ongoing complications, haven’t had surgery for glaucoma in the last three months, and have no surgery planned.
Goitre
The underlying medical cause excludes tumour.
Graves’ Disease
At the time you buy your policy, you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months.
Hashimoto’s Disease
The underlying medical cause excludes tumour.
Hiatus Hernia
At the time you buy your policy, you haven’t had surgery for hiatus hernia in the last six months and have no surgery planned.
Hypercholesterolemia/Hyperlipidaemia (High Cholesterol / High Lipids)
Provided you have no cardiovascular/coronary heart disease.
Hypertension (High Blood Pressure)
Provided at the time you buy your policy:
you have no known cardiovascular/coronary heart disease; and
your current blood pressure reading is lower than 165/95.
Hypothyroidism (underactive thyroid)
The underlying medical cause excludes tumour.
Hyperthyroidism (overactive thyroid)
The underlying medical cause excludes tumour.
Impaired Glucose Tolerance
At the time you buy your policy, you:
were diagnosed more than six months ago;
haven’t had any complications in the last six months;
have no eye, kidney, nerve or vascular complications;
have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
have no known cardiovascular/coronary heart disease.
Incontinence
You have no underlying gastrointestinal or urinary condition.
Insulin Resistance
At the time you buy your policy, you’ve:
no known cardiovascular/coronary heart disease; and
not required hospitalisation for insulin resistance in the last two years, including as an outpatient.
Iron Deficiency No criteria apply.
Macular Degeneration No criteria apply.
Migraine
You haven’t required hospitalisation for migraines in the two years prior to buying your policy, including as an outpatient.
Nocturnal Cramps No criteria apply.
Osteoporosis/ Osteopenia
At the time you buy your policy, you:
haven’t had any fractures;
don’t require more than one medication for this condition; and
have no other conditions involving the neck or back.
Pernicious Anaemia No criteria apply.
Plantar Fasciitis
At the time you buy your policy, you haven’t had surgery for plantar fasciitis in the last three months, and have no surgery planned.
Raynaud’s Disease
At the time you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s disease in the last six months.
Sleep Apnoea
At the time you buy your policy, you:
have no other known or underlying respiratory conditions (including asthma); and
haven’t required hospitalisation for sleep apnoea in the last two years, including as an outpatient.
Solar Keratosis
Your condition has been confirmed as benign.
Trigeminal Neuralgia
You haven’t required treatment by a medical practitioner for trigeminal neuralgia in six months prior to buying your policy.
Trigger Finger
At the time you buy your policy, you haven’t had surgery for trigger finger in the last three months, and have no surgery planned.
Vitamin B12 Deficiency No criteria apply.
Changes in your health before travelling
If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner that you are fit to travel and get written confirmation. If you don’t get your medical practitioner’s written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won’t be covered for any claim that arises from that condition if you still travel.
Don’t forget, our definition of an existing medical condition includes a condition that was displaying symptoms or that you were undergoing investigations for at the time you bought your policy. If you did not tell us about your existing medical condition when you bought your policy, contact us as soon as possible (contact details on last page of this document).
Pregnancy
If you’re pregnant at the time you buy your policy, or fall pregnant afterwards, you’ll have cover under the benefits of this policy for any event that arises from your pregnancy, provided that the event that causes your claim:
is covered by this policy;
is a pregnancy-related illness; and
occurs up to the end of the 26th week of your pregnancy.
We don’t consider pregnancy to be an existing medical condition. However, pregnancy-related illnesses such as hyperemesis (severe morning sickness), gestational diabetes, and any other pregnancy-related illness must have first developed unexpectedly after you bought your policy. There is no cover for any existing medical condition related to your pregnancy, unless it has been added to your policy as a specified medical condition following a medical screening and our written offer to cover (this option is only available under the Comprehensive or Annual Multi Trip Plans, see Getting cover for existing medical conditions).
These conditions apply whether you fall pregnant naturally or with medical assistance (for example, through IVF).
Looking to fall pregnant?
You don’t need to currently be pregnant to apply for cover for a pregnancy-related existing medical condition. If you’re thinking about having a baby and you have an existing medical condition related to a previous pregnancy, follow the instructions in Getting cover for existing medical conditions to apply for cover.
Getting cover for existing medical conditions (the “Specified medical conditions option”)
A number of the most common medical conditions are automatically covered by your policy. Even if your existing medical condition isn’t automatically covered, in many cases you’ll still be able to get cover on application. Here’s what you need to do:
Check if your condition is an automatically covered condition:
We’ll automatically cover you for over 40 medical conditions. If your existing medical condition is on the list of Automatically covered conditions, and you satisfy all the criteria related to that condition, you’re covered for events that arise from that condition as part of our standard cover.Apply to add any conditions that aren’t automatically covered as specified medical conditions (this option is not available with the Essentials Plan):
If you have one or more existing medical conditions that aren’t automatically covered, you must let us know at the time you buy your policy and complete a medical screening. We’ll ask you some questions about your health and then determine whether we can offer you cover and, if so, on what terms.
In many cases, we expect that we’ll be able to offer you cover for your existing medical condition(s) for an additional premium. If you choose to pay the additional premium, the condition becomes a specified medical condition covered under your policy, and the premium and any additional excess will be shown on your Certificate of Insurance. You’ll then be covered for events that arise from the specified medical condition(s).
What happens if you choose not to get cover for your existing medical condition?
If you have an existing medical condition that’s not automatically covered under your policy or added to your policy as a specified medical condition, then you won’t be covered for any claim that arises from that existing medical condition.
27/5/2022 - Subject to change, please check directly on the NIB website for further details.
Please fill out the below on or before Friday 03 June 2022
Contact Us
If you have any urgent questions, please contact your coach or call us anytime at 1300 784 734.