If you require cover for an existing medical condition other than those automatically covered, an online Travellers Medical Application must be completed and submitted for approval by QBE Insurance prior to issue of the Certificate of Insurance.
You cannot substitute the nominated insured, whose name appears on the Certificate of Insurance.
There is no provision to suspend this policy during the period of insurance.
Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984.
If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.
You have this duty until we agree to insure you.
If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.
By applying online you agree to receive quotation, medical and policy documentation electronically for all travellers on the quote/policy to the email address you provide.
We may share your information with other QBE Group companies, our authorised representatives and service providers, each of which may be based outside of Australia.
If you don't provide all of the personal information we've requested we may be unable to issue, administer or manage products or provide services.