Medical Screening
On average a medical assessment takes less than 10 minutes to complete. During the assessment we require answers to a series of simple questions about your existing medical condition(s) and your general health. The good news is that you will not require any doctors' certificates, but you will need to be familiar with your health issues.
Following your assessment, nib travel insurance will advise you:
- Whether your condition(s) can be insured under the policy;
- Whether any additional terms, conditions, exclusions or limitations will apply; and
- The amount of any additional excess payable in the event of a claim and/or any additional premium (where applicable) to be paid before we will cover your condition(s).
Should you require an assessment, you will need to declare all existing medical conditions not automatically covered. During the assessment, you must also declare any related conditions you may be asked about.
For any existing medical condition, we have the right to accept or decline cover or impose special conditions such as an excess, additional premium and reduced benefits.
Only those conditions which we approve in writing can be covered, along with any automatically accepted conditions you qualify for. If we agree to offer cover for your existing medical condition you will have the option to accept cover and pay an additional premium, or opt-out of cover for that existing medical condition.
About the Medical Screening process.
The following will provide an overview of what to expect.
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Your medical conditions.
Make sure you have details for all of your existing conditions. If you are unsure of the name of any of your conditions, check with your doctor before your screening. As it's easy to miss something, here are some questions to prompt you:
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Are you taking prescribed medication for any condition(s)?
If so, make sure you know the name of the condition(s) that you are taking any prescribed medication for. We need to know the name of the condition rather than the medication in most cases.
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Have you had any operations?
If you have had an operation for anything, you need to know the name of the underlying condition. For example, if you have had a heart by-pass operation, we need to know the name of the heart condition that led to you having the operation.
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Have you got any chronic existing conditions that are 'under control'?
Common examples of this are High Blood Pressure and Diabetes. Even if a chronic condition is controlled by medication, diet or some other form of treatment, failure to disclose it may mean that it is not covered under your policy.