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    2024
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    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.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing. Click the link to find out more about Snow Sports travel insurance.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Child/Children

    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.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. Click the link to find out more about one way travel insurance.

    Attractions in Hong Kong

    Extras

    Temples

    Man Mo Temple is the oldest chinese temple located on Hong Kong Island. The temple honours the gods of literature (man) and war (mo).

    The Fung Ying Seen Koon Temple is on the border of China, built in the traditional Taoist style with a double-tiered roof with orange-coloured tiles.

    Sightseeing in Hong Kong

    Travel to Victoria Peak for the best views of Hong Kong. To get there you will need to travel on the peak tram which travels up the mountainside approximately 386m high.

    Colonial vestiges

    You can get an insight into Hong Kong's colonial past. Monuments that should be seen are Government House and the residence of 25 British governors from 1855 until Hong Kong's handover to China in 1997. St John's Cathedral is known as the oldest Christian church in the Far East.

    Flagstaff House Museum

    Is a colonial-style building in Hong Kong Park. The Flagstaff House Museum of Tea Warehouses ancient Chinese artifacts used in tea-making. 

    Clock Tower

    Near the Star Ferry pier, you can see the remaining pieces of the Clock Tower from the old Kowloon-Canton railway station.

    Central Plaza

    Is 78-stories high. Visitors can view the city from the Sky Lobby on its 46th floor. After 6pm each day you will notice neon rooftop lights change colour every hour to denote the time. Currently the 2 International Finance Centre, or 2 IFC, is currently Hong Kong's tallest building, with an astonishing 88 floors. Yet will be dwarfed by the establishing new international Commerse Sentre which will stand 118 floors and will be completed in 2010. 

    Beaches

    Tin Hau Temple overlooks the pristine beach of Repulse. Lantau Island has fantastic white sandy beach.

    Nunneries and Pagodas (Temple)

    The Chi Lin Nunnery is a spectacular Tang Dynasty-style temple. Hong Kong's only historic pagoda, the Tsui Shing Lau Pagoda was built in 1486 in the Yuen Lang district.

    Mong Kok

    Thought to be the world's most densely populated urban area, Mong Kok provides the ultimate opportunity to mingle with the crowds. Exotic fish and amphibians are sold at the Goldfish Market, and intricate bamboo birdcages and songbirds can be purchased near the Yuen Po Street Bird Garden. 

    Ten Thousand Buddhas Monastery

    The Ten Thousand Buddhas Monastery, in the New Territories hills above Sha Tin, houses around 13,000 small Buddha.

    Cable Car/ Buddha

    Is a 5.7km cable car ride, to the Giant Buddha on Lantau Island. The Buddha sits upon Ngong Ping Plateau at the Po Lin Monastery. At 26m high and weighing in at 202 tonnes of bronze, it is the world's largest seated outdoor Buddha.

    Back to Hong Kong Travel Insurance page.

    Before choosing a policy, please be aware that terms and conditions, exclusions, limits and/or sub-limits will apply to most sections. It is important to read the Product Disclosure Statement (PDS) before making any purchase to ensure the cover provided matches your specific requirements. 

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    Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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