Do I have to pay anything if I make a claim?
You may need to pay an excess if you have to make a claim.
This means that any payable excess will need to be deducted from your total claim amount when you make a claim, therefore reducing the amount of your claim.
For policies purchased BEFORE you have departed Australia:
The excess on claims depends on the Standard Excess level you chose at the time that you purchased your policy. You can choose between $200, $100 or $0 Standard Excess. It may also depend on the section of the policy you make a claim under.
For policies purchased AFTER you have already left Australia:
The excess for already overseas policies is $500. It is NOT possible to reduce or remove this excess.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).