FAQ’s

Sports Travel

What is the Duration of the Policy?

Your policy will run from the dates shown on the policy schedule once the policy has been issued.

Am I Covered for Private Medical Expenses?

Yes – under the sports module insurance shall cover the medical expenses incurred by the insured person.
Many travel insurance policies have a condition that where reciprocal rights apply between New Zealand and other countries it is necessary to obtain the Insurers permission before making other arrangements. This is unsatisfactory for a Sports person.

Are any sports excluded under the Sports Medical Insurance Policy?

The only exclusions are in respect of competitive motor sport; or if trekking and tramping in alpine regions, some special conditions may apply on a case-by-case basis. Otherwise all sports are covered.

Can I arrange cover if I am already overseas?

Yes – but there will be a three day wait period before full cover applies.

Is Sporting Equipment Insured?

Yes – but it is not insured whilst in use. At other times it must be in secure protection or locked premises. During transit it must be adequately protected. In some sporting codes it is common to use a hard travel case (such as for bikes), for others a protective sheath or bag suitably identified as fragile equipment; golf clubs and rackets in the customary travel cases.

Is it necessary to have travel insurance in Australia if there is reciprocal medical care agreements between NZ and Australia )or another country)?

YES – although it provides some protection your requirements will generally be immediate and therefore costs such as doctors’ appointments, out of hospital medical treatment, ambulance, medical evacuation will not be covered under the Reciprocal Rights Agreements. It does not replace the need to travel insurance.

Ski-ing, Snowboarding – will an ordinary travel cover this?

Heading overseas for ski-travel – you will need cover. Most travel insurers can provide extensions for ski-ing and snowboarding but if you are participating in snow sport racing and competition you need broader cover. Also “off piste” might not be covered. We can help you. For equipment that exceeds the standard per item limit the sporting gear should be specified and an additional premium is payable.

How do I make a claim?

If you are aboard and need to make a claim call the 24/7 emergency assistance service – the contact numbers will be shown on your travel assistance card.

When contacting the assistance service the key information they require is: who is calling, what has happened, where are you, who is the treating doctor or hospital (in the event of medical claims), how can we contact you again or call back.

Remember to speak slowly and clearly; the operator(s) are highly trained personnel who may be dealing with numerous claims each day from a variety of countries and a range of languages.

The assistance service can also help with other types of occurrences that might arise during overseas travel. For minor claims it is customary to pay these at source with your credit card and then claim reimbursement on return home.

Business Travel

Can I arrange cover if I am already overseas?

Yes – but there will be a three day wait period before full cover applies.

Is Sporting Equipment Insured?

Yes – but it is not insured whilst in use. At other times it must be in secure protection or locked premises. During transit it must be adequately protected. In some sporting codes it is common to use a hard travel case (such as for bikes), for others a protective sheath or bag suitably identified as fragile equipment; golf clubs and rackets in the customary travel cases.

For equipment that exceeds the standard per item limit the sporting gear should be specified and an additional premium is payable.

What is K&R Insurance?

This is the name given to an insurance that covers crisis events that can occur when personnel are deployed overseas. More correctly it should be termed “Special Risk and Crisis Insurance” because it occurrences such as: kidnap, extortion, Detention and Hijack. It is a broader level of cover than the “free cover” included within a standard travel insurance policy.

Is it necessary to have travel insurance in Australia if there is reciprocal medical care agreements between NZ and Australia )or another country)?

YES – although it provides some protection your requirements will generally be immediate and therefore costs such as doctors’ appointments, out of hospital medical treatment, ambulance, medical evacuation will not be covered under the Reciprocal Rights Agreements. It does not replace the need to travel insurance.

Expatriate Travel

What is K&R Insurance?

This is the name given to an insurance that covers crisis events that can occur when personnel are deployed overseas. More correctly it should be termed “Special Risk and Crisis Insurance” because it includes such events as: kidnap, extortion, Detention and Hijack. It is a broader level of cover than the “free cover” included within a standard travel insurance policy.

Is it necessary to have travel insurance in Australia if there is reciprocal medical care agreements between NZ and Australia )or another country)?

YES – although it provides some protection your requirements will generally be immediate and therefore costs such as doctors’ appointments, out of hospital medical treatment, ambulance, medical evacuation will not be covered under the Reciprocal Rights Agreements. It does not replace the need to travel insurance.

Medical

What cover is provided in the case of medical evacuation?

If the treatment required in connection with acute serious illness and/or injury is not available at your location, insurers will cover expenses in connection with transportation. Medical evacuation and repatriation must be pre-approved and arranged by the insurer. Therefore you must notify the insurer, preferably through the emergency assistance 24/7 helpline so that treatment and arrangements can be co-ordinated through the attending physician and/or hospital.

The medical consultants will choose a suitable place for treatment and the appropriate means of transport (i.e. air ambulance, aeroplane, helicopter, ground ambulance as the case may be) in consultation with the attending physician and arrangements will be made with appropriate priority.

Insurers arrange for bed to bed transportation such as collecting the insured person from the given location, arranging for ground and/or air transportation and handing the insured person over to the receiving hospital.

In addition they ensure the insured person is adequately accompanied and arrange for medical or non-medical escorts and the assistance service organisation will keep the relevant parties (families and doctor) updated at all times.

What our customers say

Contact details

Phone: +64 9 215 9004
E-mail: info@hmis.co.nz
Enquiries from intermediaries