International Student

International Student




Pre-existing medical conditions

Pre-existing medical conditions are not automatically covered under your International Student policy. However, you can choose to seek cover for your pre-existing medical condition(s) (and pre-existing conditions of family members to be insured on your policy), by undertaking a medical assessment over the phone.

If you have purchased your policy online and would like to apply for cover for pre-existing medical conditions, please phone us on 0800 784 691 (within New Zealand) or +64 9 979 6597 (outside New Zealand) Monday – Friday, 8.30am to 5pm NZST to complete a medical assessment within 31 days of the start date of insurance. We will advise whether we can offer cover for your pre-existing medical conditions, and confirm cover offered for your pre-existing medical conditions in writing

What is a pre-existing medical condition?

We consider a pre-existing medical condition to be any medical or physical condition (including congenital conditions, anomalies or defects but excluding congenital blindness and deafness), symptom or circumstance which that person is aware of, or a reasonable person in that person’s circumstances ought to have been aware of for which advice (including awaiting test results), care, treatment, medication or medical attention has been sought, given, or recommended prior to your start date of insurance and regardless of whether or not a medical diagnosis has been made.

If you have questions around what you should or shouldn’t declare on your policy, please contact us for advice.

*Terms and conditions apply to the promotion and to the purchase of a TravelCare policy.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

Copyright © 2019 Southern Cross Benefits Limited