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nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd, ABN 81 115 932 173, AFSL 308461. This is general advice and you should consider if this product suits your needs. Before you buy, please read the Product Disclosure Statement available from us. This insurance is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441). The discount applies to the nib travel insurance premium (including GST and stamp duty) for customers that currently hold a health insurance product, an Overseas Student Health Cover product or an Overseas Visitors Health Cover product with nib. The discount offer is correct at time of publication.