nib travel insurance product updates - April 2021

At nib we are always looking to the future. Our approach to product development is a journey and is constantly evolving based on partner and traveller feedback. With the ever-changing expectations of our customers, partners and industry regulators, we are pleased to share our recent updates to our products.

Medical updates

• Existing Medical Conditions
• The definition of Existing Medical Conditions has been updated to focus on current medical conditions and treatments that occur within the six months prior to policy issue.
• All existing medical conditions now have the same disclosure requirements. This means there will no longer be special requirements for “high risk medical conditions” and historical pregnancy complications.
• A medical screening is required for existing medical conditions that don’t meet the automatic cover criteria. Travellers can choose to buy or opt-out of additional cover once they have completed the medical screening.
• Gastric banding, gastric sleeve and gastric bypass surgery is no longer a general exclusion.

Cover for multiple pregnancy will align with single pregnancy which may cover pregnancy-related illnesses up to the end of the 26th week.

Removal of pre-purchase eligibility questions for 70+ year old travellers.

Other updates

• Waiting period

Includes cover for injury arising from an accident that occurs within the waiting period.



• Automatic extension

Clarification of how automatic extension works for medical claims and travel interruptions.



• “Duty of Disclosure”

We have renamed “Duty of Disclosure” to “Your Duty to Us” to emphasise the traveller’s duty to answer all questions accurately.

The above is a summary of the key changes in our products. Read the PDS for full details.

If you have any questions about how our products have changed, contact your Industry Account Manager.