Does anyone know how AirNZ travel insurance works for those going overseas for medical purposes

Forums › Travel (planes, train, cruise) › Does anyone know how AirNZ travel insurance works for those going overseas for medical purposes

NglButiLoveTechnolog

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#300684 27-Sep-2022 22:31

Hey all, wanting to buy AirNZ travel insurance. Though I have a few concerns/questions:

I was just wondering how does AirNZ travel insurance works for those going overseas/international for medical purposes? according to their webpage https://insurance.airnewzealand.co.nz/plan-options it says for their international plan that AirNZ travel insurance provides Unlimited Medical and dental expenses - Cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. Was curious, if a person goes overseas for medical purposes and treatment via the destination country hospital (public/private), does this mean AirNZ will cover the cost?

Also, regarding their international package plan, should I choose the highest excess? or the lowest or mid excess? I know that the higher the excess =the lower the cost of your policy.

And, since i am only using AirNZ to travel to the international/overseas country but will be using Qantas to return back to New Zealand, am I eligible to still buy AirNZ Travel insurance?

Lastly, regarding the policy cost, is it paid/charged weekly, monthly or? First time so apologies for inconvenience. I've tried contacting AirNZ but waited for hours and wasn't able to get hold of anyone.

Any help would be much appreciated. Thanks

Linux

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#2973889 27-Sep-2022 22:34

Can't read it

NglButiLoveTechnolog

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#2973890 27-Sep-2022 22:44

Linux:

Can't read it

Woops sorry.

freitasm

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#2973892 27-Sep-2022 22:56

@NglButiLoveTechnolog:

Hey all, wanting to buy AirNZ travel insurance. Though I have a few concerns/questions:

I was just wondering how does AirNZ travel insurance works for those going overseas/international for medical purposes? According to their webpage https://insurance.airnewzealand.co.nz/plan-options it says for their international plan that AirNZ travel insurance provides Unlimited Medical and dental expenses - Cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. Was curious, if a person goes overseas for medical purposes and treatment via the destination country hospital (public/private), does this mean AirNZ will cover the cost?

I would call and discuss but I would say that if you are going overseas for medical purposes then it's not an emergency or accident while away, so the insurance will not cover you for those planned expenses or any expenses related to the medical intervention you are travelling for. And why would they?

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#2973913 28-Sep-2022 06:20

Travel insurance is not for planned medical procedures! I'm confused 😕

kiwiharry

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#2973918 28-Sep-2022 06:54

You need to read the policy document in full. Virtually every travel insurance product will have clauses in regards to existing medical conditions. Air NZ travel insurance has the following:

Existing Medical Conditions
(Of You or Your travelling companion)
Cover for claims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy. However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.

Travel insurance is for unexpected medical and travel events.

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antoniosk

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#2973929 28-Sep-2022 07:36

freitasm:

@NglButiLoveTechnolog:

Hey all, wanting to buy AirNZ travel insurance. Though I have a few concerns/questions:

I was just wondering how does AirNZ travel insurance works for those going overseas/international for medical purposes? According to their webpage https://insurance.airnewzealand.co.nz/plan-options it says for their international plan that AirNZ travel insurance provides Unlimited Medical and dental expenses - Cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. Was curious, if a person goes overseas for medical purposes and treatment via the destination country hospital (public/private), does this mean AirNZ will cover the cost?

I would call and discuss but I would say that if you are going overseas for medical purposes then it's not an emergency or accident while away, so the insurance will not cover you for those planned expenses or any expenses related to the medical intervention you are travelling for. And why would they?

Echoing Mauricio here. Travel insurance is about help if the unexpected occurs - cancellations, loss of luggage, seeking urgent medical attention for the unforeseen.

If you are going overseas deliberately for medical tourism - let's say seeking a Brazilian Butt Lift from one of Mauricio's dodgier cousins - that isn't unforeseen and if anything goes wrong and you need evac to NZ, youre going to get into trouble. Seek out a specialist policy - if they exist - for just this sort of thing, but don't be surprised if you can't find any cover - its a little like trying to buy life insurance for a 90'year old person... yeah nah

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Linux

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#2973933 28-Sep-2022 07:41

How could anyone think that Travel insurance could be used this way? 🤔

Sure let's get travel insurance and get medical treatment and if any issues I will claim on travel insurance

Would love to be the travel insurance rep for this phone conversation

Handle9

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#2973937 28-Sep-2022 07:58

Linux: How could anyone think that Travel insurance could be used this way? 🤔

Sure let's get travel insurance and get medical treatment and if any issues I will claim on travel insurance

Would love to be the travel insurance rep for this phone conversation

OP doesn’t know so they are asking. What’s the problem?

freitasm

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#2973948 28-Sep-2022 08:33

@NglButiLoveTechnolog:

And, since i am only using AirNZ to travel to the international/overseas country but will be using Qantas to return back to New Zealand, am I eligible to still buy AirNZ Travel insurance?

Check the wording in the policy. I am not sure about the Air NZ one, as I usually buy from State, independent from the travel provider. If you rely on a credit card insurance there are rules about having to use the card to pay for the whole/part of the trip to be eligible. Similar clauses might exist for airline-provided insurance.

@NglButiLoveTechnolog:

Lastly, regarding the policy cost, is it paid/charged weekly, monthly or?

You will pay this in one go, before the trip starts. The premium changes depending on the length of the trip but it's charged once only.

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#2973953 28-Sep-2022 08:51

Handle9:
Linux: How could anyone think that Travel insurance could be used this way? 🤔

Sure let's get travel insurance and get medical treatment and if any issues I will claim on travel insurance

Would love to be the travel insurance rep for this phone conversation

OP doesn’t know so they are asking. What’s the problem?

@Handle9 My problem is how could anyone think that they could be covered by travel insurance for a medical procedure done overseas!

I am not going to go on about this but questions like this just blow my mind

freitasm

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#2973955 28-Sep-2022 08:57

Things that may seem logical to you may have different interpretation by others, so the question is valid.

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#2974015 28-Sep-2022 10:09

Top right corner of the policy you can see that Cover More are the underwriters which I have used many times in the past. I would suggest that you go directly to their website that way you can easily talk to them without waiting for Air NZ and you can ask them about the different tiers. Remember to be truthful about any pre-existing conditions that you have because if you make a claim they will ask to check your GP records and anything, no matter how minor you omitted can be used to refuse a claim if they decide it could be a factor. Examples are high blood pressure, cholesterol, diabetes. Many conditions are covered but you must declare them. Read the policy wording carefully.

https://www.covermore.co.nz

Eva888

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#2974031 28-Sep-2022 10:35

Page 10

Existing Medical Conditions which cannot be covered
This policy does not provide cover for claims arising from, or exacerbated by:
• conditions resulting from drug or alcohol use or being drug or alcohol dependent;
• travel booked or undertaken against the advice of any medical practitioner;
• routine or cosmetic medical or dental treatment or surgery during the Journey, even if Your Existing Medical Condition has been approved;
• conditions for which You are travelling to seek advice, treatment or review or to participate in a clinical trial.

https://www.covermore.co.nz/sites/covermore_nz/files/CMNZ-PW-Options-Web-27-July-2022.pdf