How is my premium calculated?

The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for you and your trip.

The premium you pay is shown on the Certificate of Insurance. It is calculated when you purchase the policy and if you vary or extend cover. 

The premium is calculated based on a number of factors, including:

• The policy you have chosen, 
• Your age, 
• Where you are going to, 
• The length of your trip, 
• Existing medical conditions
• The time between purchase and departure
• Any add-ons you have chosen. 

The amount you pay includes allowances for government fees, taxes and charges (including stamp duty and GST) and may include administration fees, which, if charged, will be listed on the Certificate of Insurance.

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