Domestic Travel Insurance

Combined Financial Services Guide and Product Disclosure Statement

Effective Date 13 January 2021

Date of Preparation: 10 December 2020
Date effective: 13 January 2021

Version: NP_DOM_02_13JAN2021

About this document

There are two parts to this document. The first part is your Product Disclosure Statement (PDS) which provides the important information about this policy, including the detailed terms, conditions and exclusions, and how to contact us. XL Insurance Company SE, Australia branch (ABN 36 083 570 441) (the insurer), are responsible for the PDS section in this document.

The second part of this document is the Financial Services Guide (FSG) which provides information about who we are, who we do business with to provide you with insurance, how we and our business partners are paid, how to make a complaint and other details to help you decide whether to use any of the services offered by us. nib Travel Services (Australia) Pty Limited, ABN 81 115 932 173, AFSL No 308461 (nib), are responsible for the FSG section in this document.

About the insurer

This insurance is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441). XL Insurance Company SE is part of AXA XL, a division of AXA.

About nib Travel Insurance Distribution

This policy is distributed and issued by nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 (nib Travel Insurance Distribution), who are an authorised representative of nib Travel Services (Australia) Pty Limited, ABN 81 115 932 173, AFS Licence No 308461 (nib). For information on how these insurance providers work together and the services they provide, please refer to the FSG at the back of this combined document.

Product Disclosure Statement

Important information

In this PDS we explain important information about this policy including how we’ll protect your privacy and how to make a complaint or access our dispute resolution service.

nib International Assistance

nib International Assistance provides emergency assistance for people who are covered under nib travel insurance policies worldwide. Our experienced insurance specialists can be contacted by telephone 24 hours a day, 7 days a week to help you in the event of an emergency and to liaise on your behalf with our in-house medical team.

nib International Assistance will also work closely with the claims department to assess your entitlement to financial assistance.

Our team is connected with a global network that provides:

  • Medical transfer to a hospital or repatriation to your home in Australia, where necessary;

  • Guidance and support even if your loss may not be covered by the policy;

  • Access to general policy and coverage advice; and

  • Access to translation services.

How to contact nib International Assistance

Please contact the nib International Assistance team using the contact details below:

Phone

+61 3 8523 2800

Within Australia: 1300 555 019

Fax +61 3 8523 2815
Email [email protected]

The cost of this policy

The total premium is the amount we charge you for this policy. It includes the amount we have calculated for the risk, commission and taxes and government charges applicable. The premium will be shown on the Certificate of Insurance.

When calculating the premium we take a number of factors into account. These factors and the degree to which they affect the premium will depend on the information you give us and the level and type of cover you choose.

The main factors that impact your premium include:

  • the length of your trip;

  • your destination;

  • the travel plan chosen;

  • your age;

  • additional premium payable for any available options you choose:

    • cancellation limit option

    • snow sports cover option

    • rental vehicle insurance excess

    • specified items

    • variable excess

    • specified medical conditions

For example, premiums may be higher if you are in a higher risk age group, for longer trips, destinations that are high risk or have higher medical costs, plans with greater coverage, and/or when you choose to purchase additional cover.

This policy is only valid when you pay the premium and our representative issues a Certificate of Insurance to you.

Additional options to purchase

We offer the following options for you to purchase. These options can be added with payment of an additional premium, depending on the plan you select, and will be shown on your Certificate of Insurance when you purchase your policy.

Cancellation limit option

For all plans, the policy limit for “Cancellation or holiday deferment costs” must be chosen at the time of purchase; the limit will then appear on the Certificate of Insurance.

You can vary the maximum trip cancellation limit at the time you purchase your policy, and you will be advised of any change in premium. Your policy limit for “Cancellation or holiday deferment costs” and any additional premium will be shown on your Certificate of Insurance.

Snow sports cover option

This option is available with the Australian Travel Plan with payment of an additional premium. When chosen, this option is shown on your Certificate of Insurance. Applicable limits are applied per adult and are not increased for accompanying children.

If you’ll be taking part in snow sports on your trip, you must select the “Snow sports cover option” when you buy your policy to receive cover under your travel plan for any claim arising from participation in snow sports. In addition, you will receive the following benefits:

Benefit Applicable limits per adult

Any claim arising from participation in snow sports

Up to the applicable limit of the relevant section.

Ski lift passes $300
Ski run closure

$100 per day up to a maximum of $500

Hire replacement snow equipment $300

Refer to the section “Snow sports cover” for further cover details with this option.

Additional rental vehicle insurance excess option

This option is available with the Australian Travel Plan with payment of an additional premium. When chosen, this option is shown on your Certificate of Insurance.

If you are hiring a rental vehicle, you may have to pay an insurance excess for an accident or theft. We have included cover for rental vehicle insurance excess; however, you may wish to increase this cover for an additional amount.

Maximum additional policy limit

Additional units of cover
$5,000

Additional premium charged for each $500 unit of additional limit selected.

This insurance does not provide cover for your liability arising out of your use of a rental vehicle. Please ensure you have adequate liability insurance.

Specified items option

This option is available on the Australian Travel Plan. Specified items are shown on your Certificate of Insurance.

You can cover items worth more than the luggage item limit shown for your plan by specifying the item(s) and paying an additional amount. Items separately insured under this Specified items option are covered up to the amount specified, even if this amount exceeds the total “Luggage and personal effects” limit set out in the Schedule of benefits for your plan.

  • Maximum individual specified item limit: $4,000

  • Maximum total for all specified items: $10,000

You must insure the total value per item. Please ensure you have proof of value of any item you specify. This will be required should you make a claim. Depreciation does not apply to specified items in the event of a claim. Cover for specified items is subject to the terms and conditions as detailed under the section “Luggage and personal effects”.

Variable excess option

When you apply for insurance, we will let you know the applicable premium you have to pay. The premium and any excess applicable to your selected plan will be shown on your Certificate of Insurance.

Where a plan allows you to vary the excess, your premium will be adjusted accordingly; the lower the excess you select, the higher your premium will be.

Refer to the section “Excesses” for more information on how excesses work.

Specified medical conditions option

This option is available on the Australian Travel Plan.

If you seek cover for events that arise from or relate to your existing medical condition(s) - other than those listed in “Automatically covered conditions” for which you meet the eligibility criteria - please refer to the section “Existing medical conditions” for the application, medical screening and cover details.

If we agree to offer you cover for your existing medical condition(s), we will advise you in writing of any additional terms and conditions of that cover, including any additional excess and premium that will be payable. If you purchase this cover, it will be shown on your Certificate of Insurance.

Specified medical conditions excess

If you receive cover for any specified medical condition(s) and your Certificate of Insurance shows you have this cover, an additional excess may also apply to each occurrence relating to your specified medical condition(s) when you claim.

This additional excess will also be shown on your Certificate of Insurance and on any other related documents we send you; however, you cannot change or remove this excess.

Duty of Disclosure

Before you enter into, vary or extend an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984. When we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.

When amending or extending your contract of insurance, we will ask you specific questions about any change in your circumstances. You must tell us about any change to something you have previously told us, otherwise you will be taken to have told us that there is no change. You have this duty until we agree to insure, amend or extend the contract.

If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

Cooling-off period

Cancelling within the cooling-off period

You have 21 days from the day you buy your policy to decide if the cover is right for you. If it’s not, you can cancel your policy within this ‘cooling-off period’, and we’ll give you a full refund of your premium provided that:

  • you haven’t started your trip; and

  • you haven’t made a claim; and

  • you don’t intend to make a claim or exercise any other right under your policy.

To cancel your policy within the cooling-off period, contact our representative. Your refund will be processed within 15 business days.

Cancelling outside the cooling-off period

If you request to cancel your policy outside the cooling-off period, we may, at our discretion, refund that part of your premium paid for the unused period of insurance. You cannot have started your trip, made a claim and/or intend to make a claim or exercise any other right under your policy.

Cancellation by us

We can cancel your insurance in any way permitted by law, including if you have:

  • failed to comply with your Duty of Disclosure; or

  • made a misrepresentation to us before the policy was entered into or amended; or

  • failed to comply with a provision of a policy, including failure to pay the premium; or

  • made a fraudulent claim under this policy or any other current policy; or

  • failed to notify us of a specific act or omission as required by the policy.

If we cancel your policy, we will do so by giving you written notice. We will deduct from the premium an amount to cover the shortened period for which you have been insured by us and refund to you what is left.

The General Insurance Code of Practice

We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.

Privacy

nib Travel Insurance Distribution Pty Limited and nib Travel Services (Australia) Pty Limited (“we”, “us”, “our” in this privacy section) collect your personal information, and in some cases your sensitive information in order to issue, arrange and manage your travel insurance or to provide you with related services. We will only collect personal and sensitive information from you or from those authorised by you, such as our distribution partners.

We may disclose your personal and sensitive information to third parties involved in the above process, such as travel agents and consultants, travel insurance providers, insurers and reinsurers, claims handlers, investigators and cost containment providers, medical and health service providers, legal and other professional advisers, your and our agents and our related companies. Some of these third parties may be located in other countries such as the UK, Europe and the USA.

Our Privacy Policy details how we collect, use, store and disclose your personal and sensitive information as well as how you can seek access to and correct your personal information or make a complaint. You may not access or correct personal information of others unless you have been authorised by them, or are authorised under law or they are your dependants.

By providing us your personal and sensitive information you consent to us collecting, using, storing and disclosing it in accordance with our Privacy Policy. If you don’t provide all of the personal and sensitive information we’ve requested, whether directly or through others, we may not be able to provide you with our services or products including being able to process your application for insurance.

You can view our full Privacy Policy at: https://www.nib.com.au/travel-insurance/privacy.

Resolving complaints and disputes

If you have any feedback about our service – positive or negative – we would like you to share it with us. Refer to the back page of this document for our contact details.

How we handle complaints

If you have a complaint arising out of this insurance or the financial services provided by the insurer, our representatives, affiliates, or service providers, please contact:

nib Customer Relations

PO Box A975

Sydney NSW 1235 Australia

Phone: 1300 025 121

Email: idr-car[email protected]

nib will acknowledge your complaint within 5 business days and provide you with the contact details of the person handling your complaint. We will respond to your complaint within 15 business days. If more time is needed to collect necessary information or complete any further investigation required, nib will agree with you a reasonable alternative timeframe.

If you are not satisfied with the response to your complaint, you should contact XL Insurance Company SE, Australia branch for consideration under their dispute resolution process at:

The Complaints Officer

XL Insurance Company SE, Australia branch

L28 123 Pitt St, Sydney NSW 2000

Email: [email protected]

Your dispute will be acknowledged within 5 working days of receipt, and XL Insurance Company SE, Australia branch will send a final response on behalf of the insurer within 15 business days.

If we are unable to resolve your complaint within 45 days of receiving your original complaint, or if you are still not satisfied with the outcome, you can choose to have your complaint independently reviewed by the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

AFCA can be contacted at:

Website: afca.org.au

Email: [email protected]

Telephone: 1800 931 678 (free call)

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.

Changing your policy

Changes to this policy only become effective when we agree to them and send you a new Certificate of Insurance detailing the change.

If you wish to change your personal details or travel dates after your Certificate of Insurance has been issued, please contact us for approval; we may require additional information to review the change request.

Changes to your travel plans

You must tell us as soon as possible if circumstances occur, or if changes or alterations are intended or made, which increase the risk of loss, damage or injury. This may result in changes to your cover.

For example, you intend to visit a destination country or region not listed on your Certificate of Insurance.

If you don’t nominate the destination country or region for your trip which would impact our decision to offer you cover or the terms of the cover offered, any claim under this policy relating to that undisclosed destination country or region may be reduced to nil.

Extending your policy

Depending on your circumstances, if you want to change the dates of your cover, you’ll need to either extend your policy or buy a new one (for the additional days). Here’s when you can extend your policy:

  • if all travellers are currently within the plan age limits – such as if you are travelling with accompanying children who are still under 25;

  • if you haven’t claimed and don’t intend to claim for an event that has already occurred;

  • if your health (and any other relevant circumstances that might foreseeably lead to a claim) hasn’t changed; and

  • if you don’t have any specified medical conditions covered under your current policy.

If you don’t satisfy all these criteria, don’t worry; you can apply to buy a new policy for the additional dates. If you don’t qualify for an extension and have to buy a new policy to cover your additional travel days, the PDS and the pricing in use at the time you buy your new policy will apply.

You can only extend a policy up to a maximum of 12 months from the original departure date shown on your Certificate of Insurance.

Automatic extension

If the scheduled public transport you’re travelling on is delayed, or your trip is delayed by an event that entitles you to make a claim under this policy, the period of insurance will automatically be extended beyond the period of your original trip. This extension lasts until you’re capable of travelling to your final destination via the most efficient and direct route, including the journey there, or for a period of 6 months beyond the period of insurance, whichever happens first.

Jurisdiction and Choice of Law

This policy is governed by and construed in accordance with the law of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales under this ‘Jurisdiction and Choice of Law’ clause should a dispute arise under this policy.

Financial Claims Scheme

This policy may be a protected policy under the Federal Government’s Financial Claims Scheme (FCS), which is administered by APRA. The FCS may apply in the event that a general insurance company becomes insolvent. If the FCS applies, a person who is entitled to make a claim under this policy may be entitled to a payment under the FCS. Access to the FCS is subject to eligibility criteria. You may obtain further information about the FCS from www.fcs.gov.au and the APRA hotline on 1300 55 88 49.

Our agreement with you

This policy is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441). XL Insurance Company SE is part of AXA XL, a division of AXA. This policy is an agreement between you and us, made up of:

  • your application for insurance; and

  • this Combined Financial Services Guide and Product Disclosure Statement; and

  • your Certificate of Insurance, which sets out the cover you’ve chosen and any terms specific to you; and

  • any other documentation we issue to you outlining terms and conditions of your cover.

The cover under this policy is provided during the period of insurance, once you’ve paid us your premium. There are also:

  • conditions and exclusions which apply to specific covers or sections;

  • General exclusions”, which apply to any claim you make;

  • general conditions, which set out your responsibilities under this policy;

  • Claims conditions”, which set out our rights and your responsibilities when you make a claim; and

  • other terms which set out how this policy operates.

Paying your premium

You must pay your premium (which includes commission, stamp duty and GST if applicable) at the time you take out this policy.

Your premium is set out on your Certificate of Insurance. If you did not pay your premium at the time you took out this policy, then we will treat this policy as never having operated and there’ll be no cover.

Excesses

An excess is an amount you must pay once for each claim you make, except for benefit sections which state: “No excess applies to claims under this benefit”. The excess is deducted from any claim payment we make to you, if you make more than one claim under your policy, the excess will apply to each claim which arises from each separate set of circumstances.

When you apply for insurance, we will let you know the applicable premium you have to pay, and your excess will be shown on your Certificate of Insurance. Depending on your plan, you may vary your excess. Refer to the section “Variable excess option” under “Additional options to purchase”.

How much we’ll pay

The most we’ll pay for a claim is set out in the Schedule of benefits for the plan you have purchased and for the cover or section you’re claiming under, less any excess and depreciation, where applicable. For more information about excesses, refer to the section “Excesses”; for more information on depreciation, refer to the “Luggage and personal effects” section which explains how we calculate depreciation.

When does the policy begin and end?

Your policy will be valid for the period of insurance once you’ve paid your premium and you’ve been provided with a Certificate of Insurance. The policy is not a renewable contract of insurance.

When does Cancellation cover begin and end?

Your cancellation cover

  • begins from the time your Certificate of Insurance is issued for:

  • ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

When does cover for all other benefits and events begin and end?

Cover under all other benefits and events begins when you leave your home in Australia to begin your trip or the departure date of the trip shown on your Certificate of Insurance, whichever happens last. Cover ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

Waiting period

If at the time you buy your policy (ie, the policy “Issue date”) you’ve already started travelling, a 72-hour waiting period applies before any cover for any events begins. This means there is no cover under this policy for any events that occur within the first 72 hours of buying your policy. Cover only begins after the 72-hour waiting period, and cover is only for events first occurring after the 72-hour waiting period.

In addition, if you select a trip departure date that is more than 72 hours after buying your policy:

  • cover under the benefit section “Cancellation or holiday deferment costs” and events 1-4 under the benefit section “Coronavirus travel costs” begins after the 72-hour waiting period for any events that first occur after the 72-hour waiting period; and

  • cover for all other benefits and events begins from the trip departure date shown on your Certificate of Insurance for events that first occur after the trip departure date.

If you have a nib travel insurance policy that will expire whilst you are travelling, and you purchase a new policy before your policy expires (at 11.59pm AET) on the return date shown on your Certificate of Insurance, the waiting period will not apply to that new policy, provided that there is no gap between the periods of insurance.

Updating this document

This document is current for the period of insurance outlined in your Certificate of Insurance. We may need to:

  • update this document where required to comply with law:

    • If the changes affect a policy you currently have with us, we may issue you with a new Product Disclosure Statement to update the relevant information; If we do so, we will notify you via your email, phone number and/or via our website at https://www.nibtravelinsurance.com.au/.
  • update Product Disclosure Statements more generally from time to time.

    • We ask that you read the new Product Disclosure Statement in full, as it may differ from the wording of previous policies you had with us; and it may affect your cover or your decision to purchase cover with us.

You can get a paper copy free of charge by contacting us.

Responsibility for this document

XL Insurance Company SE, Australia branch, are responsible for the PDS in this document.

Plans

When you take out this policy you must choose from the following plans:

  • Australian Travel

  • Cancellation and Additional Expenses

Your Certificate of Insurance will show the plan you’ve chosen.

Australian Travel Plan

Schedule of benefits

This Schedule of benefits forms part of your policy and shows the limits and sub-limits for the benefits. Applicable limits are applied per adult traveller and are not increased for accompanying children. You must read this Schedule of benefits together with your Certificate of Insurance and this Product Disclosure Statement.

Benefit Applicable limits per adult

Cancellation and additional expenses

-

Cancellation or holiday deferment costs

Chosen limit +

Agent’s cancellation fees - sub-limit

$2,000

Emergency travel arrangements and accommodation expenses

$10,000
Meals - sub-limit

$500;
limit $75 per 24hrs

Emergency internet/telephone - sub-limit

$250

Medical evacuation and repatriation

$50,000
Extra travel cover -
Travel delay

$500;
limit $250 per 24 hours

Missed connection – special events

$2,000

Missed connection – flight delay within Australia

$2,000

Emergency accommodation due to terrorism

$3,000;
limit $300 per day

Emergency expenses to avoid disaster

$1,000
Early Return Home $2,000
Rental vehicle expenses -

Rental vehicle insurance excess

$5,000 +
Return of rental vehicle $750
Luggage -

Luggage and personal effects maximum limit

$4,000

Personal computer, camera, video individual item limit

$1,000

Smartphone individual item limit

$1,000
Other individual item limit $500
Emergency luggage $500

Hiring replacement golf and surf equipment

$200

Fraudulent use of credit or debit cards

$3,000
Accidental death $10,000

Accompanying children - sub-limit

$1000 per child
Personal liability $300,000
Coronavirus travel costs $2,500

+ This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.

Guidelines
  • This plan is only available to residents of Australia.

  • This plan ends once you have returned to your home in Australia or the return date on your Certificate of Insurance, whichever happens first.

  • If you have a high risk medical condition or require cover for an existing medical condition other than those automatically covered, please contact us to complete a medical screening assessment, which must be completed before the Certificate of Insurance can be issued.

  • There is no cover for cruises in Australian Waters under this plan.

  • There is no provision to suspend this plan during the period of insurance.

  • This plan cannot be purchased more than 12 months prior to travel.

  • A policy premium is charged for each adult traveller; accompanying children are insured for no additional premium.

  • Any options selected by you are in addition to this plan and are referenced in your Certificate of Insurance.

  • There is no age limit on this plan. However, we may ask you some questions about your health and lifestyle at the time you buy your policy and then determine whether we will offer you cover and on what terms.

Cancellation and Additional Expenses Plan

Schedule of benefits

This Schedule of benefits forms part of your policy. This plan will cover you for travel within Australia for the non-refundable part of your pre-paid travel arrangements or additional travel, meals and accommodation. Applicable limits are applied per adult and are not increased for accompanying children. There is no cover under this policy for claims relating to an existing medical condition (other than those automatically covered), luggage or for any trip greater than 12 months in duration.

You must read this Schedule of benefits together with your Certificate of Insurance and this Product Disclosure Statement.

Benefit Applicable limits per adult

Cancellation and additional expenses

-

Cancellation or holiday deferment costs

Chosen limit +

Agent’s cancellation fees - sub-limit

Chosen limit +

Emergency travel arrangements and accommodation expenses

$2,000
Meals - sub-limit

$500;
limit $75 per 24hrs

Emergency internet/telephone - sub-limit

$250
Extra travel cover -

Emergency expenses to avoid disaster

$500
Early return home $2,000

+ This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.

Guidelines
  • This plan is only available to residents of Australia.

  • This cover ends once you have returned to your home or the return date on your Certificate of Insurance (whichever is the earlier).

  • There is no provision to suspend this plan during the period of insurance.

  • This plan cannot be purchased more than 12 months prior to travel.

  • A policy premium is charged for each adult traveller. Accompanying children are insured for no additional premium.

  • Any options selected by you are in addition to this plan and are referenced in your Certificate of Insurance.

  • There is no age limit on this plan. However, we may ask you some questions about your health and lifestyle at the time you buy your policy and then determine whether we will offer you cover and on what terms.

Definitions

The words and terms in bold throughout this policy have special meanings set out below.

Where other words and terms are only used in one section of the policy, we’ll describe their special meaning in that section. Plurals and other forms of these words shall have the same meaning.

Word or term Meaning
Carrier

the scheduled airline, vessel, train, or motor coach public transport in which you are to travel to or from your intended destination.

Child

your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:

  • under 25 years of age, and

  • working less than 30 hours per week.

Close contact
  • face-to-face contact in any setting with a confirmed or probable case, for 15 minutes or more.

    This is cumulative over the course of one week. It starts from 48 hours before the onset of symptoms in the confirmed or probable case; or

  • sharing a closed space with a confirmed or probable case for a prolonged period (e.g. more than 2 hours). This is in the period extending from 48 hours before onset of symptoms in the confirmed or probable case.

Coronavirus

the SARS-CoV-2 virus, and any disease caused directly by this virus, including COVID-19.

Close relative

a relative of yours or of a member of your travelling party, who is a resident in Australia or New Zealand. It means a spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchildren, grandparent, stepparent, stepchildren, fiance or fiancee, or legal guardian.

Electronic equipment

personal and portable game consoles, media players, satellite navigation units, wearable technology, headphones.

Existing medical condition

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; and/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.

Financial default

the insolvency, bankruptcy, provisional liquidation, financial collapse, appointment of receivers or any other form of insolvency administration of any person, company, or organisation.

Home in Australia

your usual residential address in Australia. If you do not travel directly to your home in Australia at the completion of your trip, it means the point of arrival of your pre-paid scheduled public transport or an Australian hospital if we repatriate you.

Illness

any disease or sickness affecting the body or mind.

Injury

a bodily injury that is caused solely and directly by external and visible means as a result of an accident and which does not result from an illness.

Medical practitioner

a medical professional registered and certified by the National and/or State Health Board either in Australia or in the country in which you are being treated whilst on your trip, and who is licensed to provide treatment, medication/prescriptions and medical opinions and reports – for example doctors, physiotherapists, psychologists and psychiatrists.

A medical practitioner does not include a person who is related to you or a member of your travelling party.

Natural disaster

flood, cyclone, tornado, hurricane, typhoon, wild fire, tsunami, earthquake, landslide, avalanche, volcanic eruption.

Natural disaster does not include outbreak of disease, epidemic, pandemic, or any other event that is not specifically included in this definition.

Our representative

an intermediary and their employees appointed by us as our agent to issue or vary nib travel insurance products on our behalf.

Period of insurance

the period of cover specified in the Certificate of Insurance.

Personal computer

laptops, notebooks, tablets, other personal hand-held wireless devices that convey data or information (excluding smartphones).

Professional sporting activity

a sporting activity where you are paid to participate, appear or train or where you receive sponsorship, income or prize money, regardless of whether or not you are a professional sportsperson.

Rental vehicle

any 4-wheeled vehicle with a gross vehicle mass less than 4.5 tonnes that you:

  • hire from a registered rental vehicle company; and

  • have a rental vehicle agreement in writing.

Resident of Australia

an Australian citizen; permanent resident; holder of a skilled working visa (including 457 and Temporary Skill Shortage visa, but not a working holiday visa); student visa; holder of a partner/spouse visa which allows you to stay in Australia for at least 2 years; or New Zealand passport holder; all with unrestricted right of entry into Australia and access to long-term medical care in Australia.

Scheduled public transport

publicly available flights, cruises, rail services, bus services, ferries that run to a published timetable.

Snow sports

snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

Specified medical condition

an existing medical condition that we’ve agreed in writing to cover under your policy and for which you’ve paid an additional premium. The additional premium will be shown on your Certificate of Insurance.

Terrorist act/Terrorism

an act or threat of violence of any person or group, organisation or government committed for political, religious, ideological or similar purposes, including the intention to influence any government and/or to put the public in fear.

Travelling party

you and any travelling companion who has made arrangements to accompany you for at least 50% of your trip.

Trip

travel during the period between the departure date and the return date listed on your Certificate of Insurance. The trip must start and/or end at your home in Australia.

The period of travel cannot be altered without our consent.

Unattended

leaving your luggage or personal effects:

  • in a public place where it can be taken without your knowledge or at a distance from which you cannot prevent it from being taken; or

  • with a person who is not a member of your travelling party or working for your carrier or accommodation provider.

We, our, us

nib Travel Services (Australia) Pty Limited ABN 81 115 932 173 AFSL No 308461, who deal with you as an agent of the insurer, XL Insurance Company SE, Australia branch (ABN36 083 570 441).

You, your, yours, yourself

the people listed in the Certificate of Insurance.

Existing medical conditions

We automatically cover certain existing medical conditions listed under the section “Automatically covered conditions”.

If you choose the Australian Travel Plan, you must apply for cover under the “Specified medical conditions option” at time of policy purchase if:

  • you have a high risk medical condition, and/or

  • you have an existing medical condition you want cover for.

This option is not available with the Cancellation and Additional Expenses Plan.

What’s an existing medical condition?

An existing medical condition is one 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.

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:

  1. 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 or relate to that condition as part of our standard cover.

  2. Apply to add any conditions that aren’t automatically covered as “specified medical conditions”:

    If you have one or more existing medical conditions that aren’t automatically covered that you want cover for, 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 or relate to 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.

High risk medical conditions

If you have ever had any of the following medical conditions, you must have a medical screening before or at the time you buy an Australian Travel Plan policy. We will then determine if the condition can be added to your policy and covered as a specified medical condition.

  • heart conditions – cardiovascular/coronary heart disease;

  • respiratory conditions (except asthma and/or sleep apnoea providing they are automatically covered);

  • chronic kidney disease;

  • conditions involving the neck or back;

  • cancer which has metastasised (the process by which cancer spreads from the place at which it first arose as a primary tumour to distant locations in the body);

  • immune system deficiencies/reduced immunity; or

  • any terminal illness.

Automatically covered conditions

We automatically cover you for over 40 existing medical conditions. 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.

Medical condition Criteria
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 date 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 date 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 date 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 date 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 date 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 date 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 date 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 Deafness No criteria apply.

Diabetes Mellitus (Types I and II)

At the date 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 date you buy your policy, you have no current ear infection.

Epilepsy

At the date 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 date 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.

Grave’s Disease

At the date you buy your policy, you haven’t received treatment from a medical practitioner for Grave’s Disease in the last six months.

Hashimoto’s Disease

The underlying medical cause excludes tumour.

Hiatus Hernia

At the date 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 date 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 date 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 date 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 date 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 date 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 date 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 date 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 date 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, if you had symptoms of a condition or were undergoing investigations for it at the time you bought your policy, we consider that to be an existing medical condition. If you forgot to tell us about this 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 a single pregnancy (or the 19th week of a multiple pregnancy).

Further, pregnancy-related illnesses such as hyperemesis (severe morning sickness), gestational diabetes, and any other must either have:

  • first developed unexpectedly after you bought your policy and not be related to any previous pregnancy-related illness you had prior to buying your policy (either with a current or a past pregnancy); or

  • been added to your policy following a medical screening and our written offer to cover under the Australian Travel Plan. (See “Adding cover if you’ve had a pregnancy-related illness”.)

These conditions apply whether you fall pregnant naturally or with medical assistance (for example, through IVF).