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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.

    Malaysia Attractions

    Extras

    Kelantan

    Meaning "Land of Lightning" is an agrarian state with lush paddy fields, rustic fishing villages and casuarina-lined beaches. Located in the northeast corner of the peninsula, the charms of Kelantan are found in the vitality of its culture and its remote, unsullied beauty. Kelantan offers plenty of opportunities for tourists such as river cruises, river rafting, bird watching and jungle trekking. 

    Bukit Bintang 

    Is a renowned shopping and entertainment district in Kuala Lumpur. It stretches along the famous road-Jalan Bukit Bintang, and slots in the areas of Jalan Raja Chulan, Jalan Imbi, Jalan Pudu, Jalan Sultan Ismail, and Jalan Ampang. Bukit Bintang has always been well-liked by people. With the changing times, it has undergone refurbishment to suit the tastes of people. And today, it appears simply incredible as it has got both, conventional as well as fashionable outlook. 

    Besides being a part of the Golden Triangle, Bukit Bintang is quarters to numerous prominent shopping centres, cafés, clubs, shops, malls, and specialty shops. The region is also known for having a number of lavish hotels and restaurants. 

    Kelab Golf Perkhidmatan Awam (KGPA) 

    Is a major public golf course, nestled in the green belt of Damansara-a suburban area of Kuala Lumpur. Established in 1989, the 27-hole course is graced by natural bounty and undulating terrain, which further provides great challenge to the proficient players. 

    The Royal Selangor Club

    Literally Kelab Di-Raja Selangor in Malay, is to be found on the northern fringe of the Merdeka Square, overlooking the imposing Sultan Abdul Samad Building in Kuala Lumpur. Founded in 1884 as Selangor Club by the British, it is a social club that earlier used to be the rendezvous for sophisticated and high-ranking members of the British colonial society. The membership to this club was largely determined by high educational and social standards, rather than race or citizenship. 

    Malacca 

    Is a quiet seaside city located on the West Coast of Peninsular Malaysia facing the Straits of Malacca, about 147 km from Kuala Lumpur. Malacca is a wonderful repository of its cultural heritage. Its colonial past is evident in its Portuguese architecture, whereas on the streets, Chinese influence is most visible. Most of the businessmen here are Chinese. Over the centuries, the Chinese and local Malay cultures in Malacca intertwined, eventually producing a completely unique society-a mosaic of different cultures. 

    Penang

    Known as the island of Betel Nut, is famous for its natural scenic beauty. Also known as the 'Pearl of Orient', Penang entices visitors with its warm seas, golden beaches, lush greenery, and delicious cuisine.

    The island was originally named Prince of Wales Island and the settlement that soon grew up was named Georgetown after King George III. In 1800, the Sultan of Kedah further ceded a strip of land on the mainland across the channel, which Light named Province Wellesley, after the then Governor of India. 

    Sarawak

    Is the largest state of Malaysia-is better known as the land of fabled White Rajahs, the hornbill and the orangutan. Located on the northwestern shore of the island of Borneo, Sarawak is a preferred tourist destination for those seeking culture, nature, and adventure tourism. The rainforests of Sarawak are home to the richest and most diverse ecosystem of the world. The rich flora and fauna include the world's largest flower Rafflesia, squirrels and snakes that fly, plants that eat insects and various other species of plants and insects that are yet to be discovered. 

    Genting Highlands 

    Is a hilltop resort near Kuala Lumpur, famous for its casino, and golf course. At 2,000 meters above sea level, it offers a cool respite from Malaysia's capital city combined with all the excitement, luxury, and entertainment of an international resort destination. 

    Is also known as the Las Vegas of Malaysia as it is the only land-based casino permitted by Malaysian law. It is part of the Genting Group. Besides the casino, this resort also features many hotels owned by Genting subsidiaries. One of them, First World Hotel has 6,300 rooms, making it the largest hotel in the world. Other facilities in this resort include a theme park, golf course, sky diving simulator and many other diversions. 

    Back to Malaysia 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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