If you're sick or injured

With a TID policy, The Works, The Basics and the Annual Multi Trip plans offer up to an unlimited dollar amount of cover for up to 12 months for emergency medical expenses incurred overseasdue to an unforeseen sudden illness or serious injury you experience. Of course, medical cover is subject to all policy terms, conditions and exclusions.
Under The Basics plan, the single limit is up to $5,000,000 and $10,000,000 for a family. There is limited cover for claims relating to existing medical conditions experienced by you, anyone on your policy and close relatives at home in Australia or New Zealand who are not travelling with you. So, please refer to the Existing Medical Conditions section in the PDS for more information.
Before you go, check with your GP and smartraveller.gov.au to find out if there are any vaccinations required for your destination, and if your destination country requires proof of vaccination against specific disease as a condition of entry. Many vaccinations need to be administered well in advance of your departure.

What’s covered?

  • Visits to a GP or other registered medical practitioner
  • Ambulance by road or air and treatment by paramedics
  • Any prescribed medication while on your trip
  • Hospital or outpatient fees
  • Any prescribed treatment in hospital such as physiotherapy, anaesthetics and medication
  • Out of pocket costs, where you are hospitalised for more than 48 hours you are entitled to $50/day, up to the applicable benefit limit, for any out of pocket costs.
  • Where medically necessary and approved by our emergency assistance team, we’ll arrange for a close relative or friend to be with you while you are hospitalised and to escort you home in the place of a medical escort. This includes the costs of flying someone from Australia to be with you.
  • Repatriation to Australia, including a medical escort and air ambulance if medically necessary and pre-approved by us.
  • Where you can no longer continue on your trip, the policy will coveryour non-refundable portion of your, pre-paid travel arrangements.
  • Once you’re fit to travel, we will cover the costs of additional travel and accommodation expenses to get you on the road again

What you will need to do:

  • Where you have been hospitalised or expect your medical expenses to be more than $2,000, please contact our emergency assistance team to arrange for a guarantee of payment to the hospital or medical facility, where possible;
  • Obtain copies of your medical reports and clinical notes from your treating doctor detailing the diagnosis and treatment; copies of hospital admission and discharge papers; copies of all tests and results;
  • Keep receipts for medication, doctors’ fees, hospital services;
  • Keep any costs to a minimum.

About Reciprocal Health Care Agreements

The Australian government has Reciprocal Health Care Agreements with New Zealand, the United Kingdom; the Republic of Ireland, Sweden, the Netherlands, Finland, Italy, Belgium, Malta, Slovenia and Norway. These agreements mean: Australian residents can get help with the cost of essential medical treatment when visiting these countries. More information is available from the Department of Human Services website.

What's not covered?

  • Medical expenses in Australia even if the illness or injury was sustained overseas and we paid for the overseas medical expenses. Under the Private Health Insurance Act 2007 we are prevented from covering medical expenses in Australia.
  • Private hospital treatment when public-funded treatment was available.
  • You travel even though you know you are unfit to travel or have been advised against travel by a medical professional.
  • Travelling to obtain medical or dental treatment.
  • A claim related to a metastatic or terminal prognosis made prior to the issue of the Certificate of Insurance.
  • Pregnancy after 26 weeks gestation for single pregnancies and 19 weeks gestation for a multiple pregnancy.
  • Any claims where you have not taken the appropriate vaccinations, malaria prophylaxis and hygiene measures according to the World Health Organisation (who.int).
  • Any claim which is recoverable through workers compensation, transport accident laws or by any government sponsored fund, plan or medical benefit scheme.
  • Any claim due to an act of war (whether war is declared or not), rebellion, revolution, insurrection or taking of power by the military.
  • Any claim due to: a nuclear reaction or contamination from nuclear weapons or radioactivity; biological and/or chemical materials.
  • A loss that arises because you did not follow a government or other official body’s warning:
  • You are injured doing an activity that is excluded from our policy.
  • You are injured while doing a snow sport and you haven’t purchased the Snow sports option for an additional premium.
  • A loss arising from your, any of your travelling party intentionally and recklessly placing themselves in circumstances, or undertaking activities which pose a risk to their personal safety (except in an attempt to save a human life.
  • Elective or cosmetic surgery that is not medically necessary (and any complications that arise from surgery).
  • If you, your close relative or a member of your travelling party: commits suicide, attempts to commit suicide or deliberately injures himself or herself; is under the influence of, or is addicted to, intoxicating liquor or a drug, except a drug taken in accordance with the advice of a registered medical practitioner.
  • The cost of medication in use at the time the trip began or for maintaining a course of treatment you were on prior to the trip
  • Existing medical conditions except as specified under Existing medical conditions.
  • Any government prohibition, regulation or intervention.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Last updated: 6 December 2021

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1300 843 843 from Australia or
+61 2 8256 1537 from Overseas.

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