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What happens if I am heading overseas?

Sorting out health insurance for your return is probably a million miles from your mind at the minute, but it’s good to know the basics.

Firstly, taking out travel insurance means you'll avoid annoying waiting periods for pre-existing hospital conditions when you return.

Secondly, you have a couple of options for your health cover. You can apply to suspend your health cover if you’re away for 2-24 months, which means your LHC loading level won’t be affected. You can cancel your health insurance. Basically, this means that so long as you're in the country for fewer than 90 days for visits, you'll still be counted as being overseas and your level of loading won’t change. For more information, please refer to the Policy Booklet.