Medical and hospital cover

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 overseas, it can make a significant difference if you know you have cover for any substantial medical costs.

We offer unlimited medical and evacuation cover because we want to ensure you get the help you need to be able to return home safe and sound.


Medical emergencies

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'll communicate 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.


Hospital cash allowance

To make your hospital stay a little more comfortable, we’ll pay you $100 per 24-hour period in hospital, to a maximum of $3,000 per person, per journey.

To be eligible for the cash allowance we need to have confirmed cover for your hospitalisation and you must be required to remain in hospital overseas for more than 72 hours continuously.


Medical evacuation

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're travelling alone and have been hospitalised for more than 10 days (and we have confirmed cover for your medical expenses), we'll pay for a friend or family member to accompany you.

We’ll cover their return economy flights from Australia to your location, their accommodation, and their meal expenses up to a combined total of $5,000 per journey.


Minor medical problems

If you have a minor medical problem overseas, 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.


Emergency dental cover

If you require emergency dental treatment during your journey, we’ll reimburse you for actual and reasonable dental expenses incurred up to $750 per person, per journey.

We cover sudden, acute pain relief by way of antibiotics, temporary dressings or extraction. We also cover injury to your teeth - provided it’s causing sudden, acute pain.


Overseas funeral expenses

In the event of a death while travelling, there can be large expenses to manage and sensitive arrangements that differ country to country. To assist you or your family with these arrangements, we'll pay up to $15,000 per deceased person towards either the overseas funeral expenses, or the return of the remains to Australia.

In the event you wish to have an overseas funeral, we'll pay actual and reasonable costs for the funeral in the area where the death has occurred, or to cremate or embalm the body. If you wish to return your loved one to their home town, we'll help to arrange this and pay for the safe return of their remains as required. We also cover the cost of a scheduled return flight for an immediate family member to assist with these arrangements.

The estate of the deceased should contact our 24/7 emergency assistance helpline as soon as is reasonably possible, so we can begin our assistance.


Need some help?

If you would like to get in touch, we’re here to help. Please feel free to email us at any time, or speak to one of our friendly insurance experts on 1800 196 484, Monday – Friday, 8.30am – 5.00pm AEST/AEDT.

When calling from overseas, our worldwide emergency assistance team is available 24 hours a day, 7 days a week on +61 2 9191 1180.


What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the Combined FSG and PDS.