We hope you won’t need it, but unfortunately sometimes the unexpected happens.
If you, your travel partner or family member is hospitalised with an unexpected illness or injury, it can make a significant difference if you know you have cover for any substantial medical costs. At SCTI we offer unlimited cover for the medical and evacuation section of your TravelCare policy. Because when it comes to you, we want to ensure you get the help and care you need, to be able to return home.
Medical emergencies – serious accidents and major illness
If a serious illness or accident occurs and you’re hospitalised, make sure you or someone acting on your behalf calls our emergency assistance team as soon as possible. If you’re covered, we will liaise with the hospital directly to arrange payment for your treatment – so you don’t have to worry about any of the costs, and receive the treatment you need without delay.
We also provide cover under the policy for expenses whilst you are in hospital with a cash allowance, if you are required to stay in hospital for more than 72 hours. For more details about this benefit, please read Cash allowance whilst in hospital.
If you are medically fit to travel, we may evacuate you home to Australia, or another country for further treatment.
Extra travel and accommodation
If you do not need to remain in hospital (and we have confirmed cover for your medical expenses), however it is confirmed that you are not fit to travel, we will reimburse you for your additional costs. We will cover related travel, communication, accommodation and meals for you and all other travellers (named on your policy certificate), until you are fit to travel.
Support person or family member
If you are travelling alone, you have been hospitalised for more than 10 days, and we have confirmed cover for your medical expenses, we will pay for a friend or family member to accompany you. Costs we will cover (for your accompanying person) include return economy flights from Australia to the location you are hospitalised, and their accommodation and meal expenses up to a combined total of $5,000 per journey.
Minor medical problems
If you have a minor medical problem, seek treatment from a registered medical practitioner. Remember it is important to retain all original receipts, and ask for a copy of all consultation notes from the treating doctor, as these will be needed in order to assess your claim. You don’t need to advise us of minor medical problems while you’re overseas, just make sure you submit a claim when you get home.
No excess on medical claims
There is no excess on any TravelCare medical claims, and we encourage all of our travelers to get the help they need for unexpected illnesses or injuries.
What you need to know
With travel insurance, you are only covered for medical expenses whilst you are overseas. Once you have safely returned to Australia, you will be able to receive any care required by the (Australian) health care system.
As with all insurance policies, there are some sub-limits and terms and conditions apply, so we recommend you read the Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS), including Policy Wording.
Who do you call?
The most important thing to do is not worry - we’re here to help you when you need us.
When calling from overseas, our emergency assistance team is available 24 hours a day, 7 days a week on +61 2 9191 1180.
If you’re calling from Australia, you can reach us Monday – Friday 8.30am to 5pm AEDT/AEST on 1800 196 484.
What is an unexpected event?
We consider an unexpected event to be a cause or event that happens during your period of insurance that was sudden, unforeseeable or unintended, was outside of your control, and could not reasonably have been anticipated or avoided.