Your Private Health Insurance policy covers you in any State and Territory of Australia but not while you are overseas.
You may choose to suspend your policy due to overseas travel for anywhere between a minimum of 30 days and a maximum of 12 months. During a suspension of your policy, you will not be covered by your suspended policy.
If you choose to suspend your cover, it is important to know that this period is considered as not having private hospital cover. For some higher income earners, this means the Medicare Levy Surcharge (MLS) may apply.
The following conditions apply to overseas travel suspension:
- Members on Extras only cover cannot suspend their membership
- Continuous cover must have been held for 12 months before you are able to suspend your cover
- Your membership must be paid up until at least your day of departure or beyond. When your membership is paid in advance of your departure date, these funds will be credited to your membership upon resumption.
- Overseas suspension must be organised prior to your departure from Australia.
- Members must notify Us of their return to Australia within 7 Days of arrival. A copy of written confirmation, flight ticket, boarding pass or passport confirming dates of departure from Australia and arrival back into Australia are required for reinstatement of membership.
- Any waiting periods not served prior to departure will be applicable when the membership is reinstated.