If your pre-existing medical condition was previously covered, and is now not covered for your upcoming trip:

When assessing medical conditions, along with assessing the medical condition itself, we also take into account the main destination you are travelling to, your age, and your answers to the questions. If any of these variables have changed since you last completed a medical assessment, the results may differ. In addition to this, we also regularly review our medical underwriting criteria based on global claiming data. This means that medical assessment results may differ from time to time.

If your medical condition isn't recognised when purchasing a policy:

Please check the spelling of your medical condition. If you're unsure of the spelling, type in the first few letters then select 'Search'. If this is unsuccessful, you may wish to check with your GP whether you have the correct name and spelling. We cannot assess a condition that has not been diagnosed, so if you are entering symptoms no results will appear.
It could also be that the medical condition is rare, therefore there may not be enough global claiming data available to help us assess the potential travel related risks to provide cover for this.
If you are still experiencing issues with finding your medical condition, please email us at info@scti.co.nz.

Medical assessment costs:

Additional premiums apply if you've completed a medical assessment and cover has been accepted for your pre-existing medical condition. Similar to above, the assessment outcome and the additional premium charged will depend on the potential travel related risk of the medical condition, (which is based on global claiming data), and take into consideration your main destination, your age, and the answers you provided when completing the medical questionnaire.

If your medical condition is not covered:

If you completed a medical assessment and you received an 'excluded' result after answering all the assessment questions correctly, we are unable to make any changes to this result. Unfortunately, we won't be able to offer any cover for that pre-existing medical condition.

Providing reports from GPs or specialists:

As you are completing a medical assessment online, we won't need any supporting documentation such as letters from specialists or GPs. You will know whether cover is provided or not instantly, once you've completed a medical assessment.

If you have any questions regarding pre-existing medical conditions, please feel free to contact our team at info@scti.co.nz

Click here to see the policy wording in full.

The easiest way to lodge a claim is through our online portal, My SCTI. Register today to get started. Once you’ve got a My SCTI account, follow the steps below to make a claim:

1. Click on ‘View my policies’
2. On the policy you wish to claim against, click ‘Make a claim’
3. Fill out the required details of the claim event, and select which benefits apply to your claim.
4. Attached relevant supporting documentation and upload.
5. Click ‘Next’.
6. Review your information and if it is all correct, click Next.
7. Add your bank details, and read both the Declaration and Privacy Act authorisation. If you agree, check each box and click ‘Submit’

Alternatively, you can make a claim by filling in the form on our ‘Make a Claim’ page.  

If you are stopping in a country for less than 48 hours, you do not need to list that country. If you plan to stay in any country or region for more than 48 hours you must select that country or region at the time you purchase your policy.

International Comprehensive policy

Whether you’re the driver or passenger, you’re not automatically covered for hiring or riding a moped or motorbike while you’re on holiday under any section of this policy (except Section D.1.6 Funeral expenses/return of mortal remains).

You can, however, select ‘Moped and motorbike cover’ when you’re buying your policy. You will be charged an additional premium for this cover, and it will be confirmed on your Certificate of Insurance then you will have cover.

For more details on what cover is provided (including the terms and conditions of cover) please see the International Comprehensive Policy document.

Domestic policy

There is automatic cover under the policy except in the following sections:

• D.4 Rental vehicle excess - where the motorbike has a maximum engine capacity of more than 200cc (or 15kw output for electric models);
• D.9 Funeral expenses/return of mortal remains;
• D.10 Personal accidents;
• D.11 Personal liability.
  

To fully understand what is and isn't covered, please see the Domestic policy wording .

Working Overseas policy

There is automatic cover under the policy except in the following sections:

• D.8 Rental vehicle excess - where the motorbike has a maximum engine capacity of more than 200cc (or 15kw output for electric models);
• D.7 Personal liability.
  

To fully understand what is and isn't covered, please see the Working Overseas policy wording .

International Medical Only policy

Under our International Medical Only policy, there is no cover for riding a motorbike, motorcycle or moped.

If you are looking for motorbike, motorcycle or moped cover for your overseas trip, our International Comprehensive policy has the option of adding-on motorbike, motorcycle or moped cover.

To fully understand what is and isn’t covered, please see the International Medical Only policy wording.

Yes, you can change the destinations on your policy by emailing us at info@scti.co.nz or give us a call on 0800 800 571.