Trang chủ Bảo hiểm OVHC Medibank

Bảo hiểm OVHC Medibank

30/12/2016 | 970 lượt xem
1. How do I take out travel insurance?
You can get a quote and buy travel insurance online now, call us on 134 190 or visit one of our Medibank stores where one of our customer consultants will be pleased to assist you.
2. What does travel insurance cover?
Medibank Travel Insurance can cover you for when the unexpected happens, whether that’s a medical situation overseas, lost luggage, travel delays or theft.

When you buy a policy, you’re provided with a 24 hour worldwide hotline that you can call for emergency assistance from anywhere around the world, 24 hours a day, 7 days a week, 365 days a year.

3. Is there a discount for travel insurance if I'm a Medibank Private Health Insurance member?
Yes, you will receive a 10% discount off travel insurance rates for non-members.
4. How can I tell if I have an 'Existing Medical Condition (EMC)' for the purposes of travel insurance?

An Existing Medical Condition (or EMC) is:

Any physical defect, condition, illness or disease for which treatment, medication or advice (including investigation) has been received or prescribed by a medical or dental adviser in the 90 days prior to the Relevant Time; or
Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease medically documented prior to the Relevant Time.
‘Relevant Time’ in respect of:

Single Trip policies means the time of issue of the policy.
Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last. The above definition applies to you, your Travelling Companion, a Relative or any other person.
There are three categories of medical conditions:

conditions we automatically cover for FREE.
conditions which cannot be covered.
conditions we need to assess.
Please review each of these categories to determine which category applies to you.

You can view or download the Product Disclosure Statement to find a full definition of a ‘Pre-existing Medical Conditions’ on page 15

5. Can I get travel insurance that covers my pregnancy?

Yes, you can purchase our travel insurance that will cover you up to your 26th week of pregnancy. However, please note the following important points:

If you are aware of the pregnancy at the time of issue of the policy, an online medical assessment must be completed if either of the following apply:
there have been complications with this or any previous pregnancy, or
the conception was medically assisted (including hormone therapies and IVF).
You can complete an assessment by either visiting your nearest Medibank store, online at medibank.com.au/travel or by calling 134 190.
Cover is only provided for unexpected serious pregnancy complications which occur before the 26th week of pregnancy.
No cover is provided for childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born.
Expectant mothers should therefore consider whether they travel and buy this policy, particularly if travelling beyond the 20th week of pregnancy.

You can view or download the Product Disclosure Statement to find full Details regarding pregnancy on page 17.

6. Can my 'pre-existing medical condition' be covered by travel insurance?

If you are taking out a policy, you can check if you have a pre-existing medical condition without the need to visit your doctor or supply a medical report – simply read through the ‘Existing Medical Conditions’ section in the Product Disclosure Statement or conduct a self-assessment as part of the online application process

There are three categories of medical conditions:

conditions we automatically cover for FREE.
conditions which cannot be covered.
conditions we need to assess.
Please review each of these categories to determine which category applies to you.

You can view the Product Disclosure Statement to find a full definition of ‘Existing Medical Conditions’ and what we automatically cover for free on page 15.

7. Does travel insurance cover my luggage??

Yes, but we may refuse to pay a claim if you do not take all reasonable precautions to protect your luggage, which means ensuring that you do not leave it unsupervised and taking all necessary steps to avoid any loss or damage.

Note that the loss or theft of luggage, personal effects, travel documents or money must be reported within 24 hours to the police or responsible transport provider and a written report must be obtained at the time.

Other terms and conditions and exclusions may also apply.

For more information, please refer to the details on page 43 of the Product Disclosure Statement.

8. Why do Medibank Travel Insurance policies not cover medical expenses within Australia?
Medibank Travel Insurance policies do not cover medical costs incurred within Australia because this is not permitted by law and you are already entitled to treatment under Medicare and/or your private healthcare entitlement.
9. Is Medibank Travel Insurance available to people over the age of 70?
Yes. Our intention is to cover as many people as possible. However policy prices may increase in line with your age and cover may be subject to medical assessment and trip duration limits.
10. Am I covered by travel insurance if I work overseas??
Our travel insurance is designed for the leisure traveller and typically does not cover events linked to employment overseas. In most circumstances, if you suffer an injury on-the-job you may be entitled to seek compensation from your employer in the first instance.
11. Which international 'region' do I select if I'm buying Comprehensive Travel Insurance?

Select the Area which you will spend the most time in. The following areas apply to the single and annual multi-trip policies

Single trip

Area 1 – Worldwide including Americas/Africa (it is compulsory to select this option if more than 20% of Your time is spent in the Americas or Africa)
Area 2 – Europe, Asia and the Middle East
Area 3 – UK and South East Asia
Area 4 – Indonesia, South West Pacific and NZ
Area 5 – Australia
Note: For domestic cruising, please choose Area 4.

Annual Multi-Trip

Area 1 – Worldwide including Americas/Africa (it is compulsory to select this option if more than 20% of Your time is spent in the Americas or Africa)
Area 2 – Worldwide excluding the Americas and Africa
Area 5 – Australia
When you buy a worldwide travel insurance policy you are automatically covered for travel anywhere in the world.

12. Can I take out a travel insurance policy if I am already overseas and currently have no travel cover?

No, our policies must be taken out ‘pre-travel’ and cover you from when you leave your home until you get back to Australia.

For policy extensions please refer to the FAQ “Can I extend my travel insurance if I am still overseas” below

 

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