Medical Only Travel Insurance

If you have a policy with Fast Cover and experience an emergency while you are travelling overseas, contact our Worldwide 24/7 Emergency Assistance team.

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• You currently reside in Australia; and 
• You hold a valid Australian Medicare card beyond the period of your policy; and
• You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
• Your trip starts and ends in Australia; and
• You meet any other eligibility criteria we apply in the application process.

• You are a non-permanent resident who holds a valid Medicare card or are covered by an Australian Private Health Insurance policy that satisfies the government health insurance requirements for your visa type and remains valid beyond the period of your policy; and
• Your visa remains valid beyond the period of your return; and You have a home in Australia to which you intend to return; and
• Your trip starts and ends in Australia; and 
• You hold a return ticket to Australia; and
• You meet any other eligibility criteria we apply in the application proces

• You have been overseas for less than 14 days, or have been insured under a travel insurance policy since you left Australia that is current or has been expired for no more than 14 days; and
• You are an Australian citizen or permanent resident normally residing in Australia. Individuals on an Australian temporary resident visa including those on a working holiday visa or temporary visitors including those on a tourist visa, are not eligible to purchase this policy after departing Australia); and
• You hold a valid Australian Medicare card; and
• You have a home to which you intend to return; and
• Your trip ends in Australia; and
• You are aged 65 years and under at time of purchase; and
• You declare to us at the time of purchase that you are already overseas; and
• We agree to issue you a policy and specify your status as already overseas in the Certificate of Insurance.

Conditions for Already Overseas policies:

• You cannot purchase a Basics Policy or Frequent Traveller Saver Policy if you are already overseas. 
• Temporary visitors (i.e. on a tourist visa) or individuals on an Australian temporary residence visa including those on a working holiday visa are not eligible to purchase this policy after departing Australia. 
• Policies purchased while you are already overseas are subject to: 
  • A 48-hour no-cover period applies to all benefits (there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy). 
  • A $500 excess for all claims. 

• In the event of a medical repatriation from overseas, we will return you to Australia. 
• Medical expenses incurred once you have returned to Australia are not covered on this policy. 
• It is therefore important that you ensure you have access to long term medical care in Australia.
• If you are not an Australian resident or do not satisfy the above conditions, you cannot buy a Travel Insurance policy. If you do, we will rely on your failure to adhere to your duty not to make a misrepresentation and we may deny your claim. You can contact The Insurance Council of Australia, who may be able to give you a list of travel insurers who may be able to provide you with cover.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

You are free to choose your own medical practitioner, or we can appoint an approved medical practitioner to see you if you are sick or injured overseas and your claim is covered under the policy. However, if you are treated under a Reciprocal Health Agreement, it may not be possible to choose your own medical practitioner.  

Note: 

• You must advise us of your admittance to hospital or your early return to Australia based on written medical advice and our approval.  
• If you don't get the medical treatment you expect, we can assist you, however we accept no responsibiity for any problems that result from you choosing your own doctor. 

As each individual’s circumstances are different, in the event ofa claim, our claims team will assess each claim on a case by case basis

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

For emergency assistance anywhere in the world at any time, the Worldwide 24/7 Emergency Assistance team is only a telephone call away.

The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency.

If you are hospitalised, then you or a member of your travelling party, must contact us as soon as possible. Our emergency assistance team is available 24 hours a day every day. They can help you with medical problems, locating the nearest medical facilities, bringing you home if medically necessary, locating embassies and consulates and liaising with loved ones and work colleagues if necessary. 

If you do not contact us when you require emergency assistance when it is reasonably possible to do so, then to the extent permissible by law, we may not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us. 

If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000 you must contact us. 

You are free to choose your own doctor or we can appoint an approved medical practitioner to see you, unless you are treated under a Reciprocal Health Agreement. You must, however, advise us of your admittance to hospital or your early return to Australia based on written medical advice. If you do not get the medical treatment you expect, we can assist you, however we may not be able to help you for any problems that result from you choosing your own medical practitioner.

We will not pay for any hospital or medical costs incurred in Australia.

For more information, refer to our Product Disclosure Statement (PDS).