With SGIO Travel Insurance, there are many medical conditions that we cover automatically without needing them to be listed on your policy.
Having a travel insurance policy does not automatically cover claims arising from, or exacerbated by, Existing Medical Conditions or pregnancy. However, you can apply to have Existing Medical Condition cover included within your NRMA Travel Insurance policy by answering some simple questions. If we agree to offer cover for Existing Medical Conditions, it may be subject to special conditions, limitations, excesses and amounts payable depending on your age and your trip duration and destination.
“Existing Medical Condition” means a disease, illness, medical or dental condition or physical defect that at the Relevant Time meets any one of the following:
Relevant Time in respect of:
Conditions that need assessment
If you or any of the people travelling with you on your trip have any other Existing Medical Conditions that they would like cover for under your Travel Insurance policy, an online medical assessment will need to completed.
If you're aware of the pregnancy prior to the relevant time an online medical assessment must be completed if any of the following apply:
You can complete this as part of your SGIO Travel Insurance quote.
Please note that an additional premium will apply and additional restrictions may apply to the policy.
Whether or not you have to apply for pregnancy cover, the following restrictions apply for any person where a claim may arise in any way as a result of pregnancy:
Expectant mothers should therefore consider whether they travel under this policy, particularly if travelling beyond the 20th week of pregnancy.
Limits, sub-limits, conditions and exclusions apply. SGIO Travel insurance is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (“ZAIL”). Cover-More Insurance Services Pty. Ltd. (ABN 95 003 114 145, AFSL 241713) acts under a binder authority from ZAIL. Cover-More will administer the policies and arrange for the issue of insurance on behalf of ZAIL. Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as SGIO Insurance will arrange for the issue of SGIO Travel Insurance. This is general advice only. To see if the product is right for you, always consider your own needs, financial situation and the Product Disclosure Statement
To see if the product is right for you, always consider your own needs, financial situation and the Product Disclosure Statement