Travel Cover Comparison Charts

The benefits for our International Cover are outlined in the charts below.

A 'Single' plan covers one adult and dependent children under 21 years of age or dependent children under 25 years of age listed as current members on the adult's HBA health membership.

The sum insured is per plan and all travellers on the same plan must be travelling on the same itinerary. If you need to cancel your trip or pay any fees to amend your ticket due to unforseen circumstances, you will be reimbursed for non-refundable fares, the cost of upgrading to a higher fare type or non-refundable accommodation charges.

Single plans

A 'Single' plan covers one adult and dependent children under 21 years of age or dependent children under 25 years of age listed as current members on the adult's HBA health membership. The sum insured is per plan and all travellers on the same plan must be travelling on the same itinerary.

	Emergency medical assistance, including evacuation & repatriation	Overseas emergency medical and hospital expenses	Personal belongings	Cancellation, curtailment and additional expenses	Accidental death	Personal liability
Gold Plus Cover required for journeys via or to USA and Canada (maximum total period permitted in North American continent is 6 months).	Unlimited Limit $20,000 for repatriation of remains or overseas funeral or overseas cremation	Unlimited Limit on dental is $2,000. Limit for cash in hospital is $6,000	$12,000 Limit $4,000 per item or set or pair for photographic or electronic equipment. Limit $1,000 for other items. Limit on essential emergency items is $400	Whatever it costs Limit $3,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $3,000. Limit $500 for domestic pet boarding fees. Limit on hijack is $5,000	$25,000	$2,500,000
Gold Minimum cover required for journeys to Central and South America, Africa, Antarctica, Japan, Middle East, UK and Europe.	Unlimited Limit $20,000 for repatriation of remains or overseas funeral or overseas cremation	Unlimited Limit on dental is $2,000. Limit for cash in hospital is $6,000	$10,000 Limit $3,000 per item or set or pair for photographic or electronic equipment. Limit $800 on other items. Limit on essential emergency items is $400	Whatever it costs Limit $2,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $3,000. Limit $500 for domestic pet boarding fees. Limit on hijack is $5,000	$25,000	$2,500,000
Super Minimum cover required for Singapore, Malaysia, Thailand, Vietnam, Philippines, Asia (other), Hong Kong, China, Taiwan, Korea and the Indian subcontinent.	$100,000 Limit $20,000 for repatriation of remains or overseas funeral or overseas cremation	$200,000 Limit on dental is $2,000. Limit for cash in hospital is $6,000	$5,000 Limit $2,000 per item or set or pair for photographic or electronic equipment. Limit $500 for other items. Limit on essential emergency items is $400	Whatever it costs Limit $2,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $1,500. Limit $500 for domestic pet boarding fees. Limit on hijack is $5,000	$15,000	$2,000,000
Budget Minimum cover required for New Zealand, Indonesia (including Bali), South West Pacific, Papua New Guinea and Norfolk Island.	$50,000 Limit $20,000 for repatriation or overseas funeral or overseas cremation	$50,000 Limit on dental is $2,000. Limit for cash in hospital is $6,000	$3,500 Limit $500 per item or set or pair. Limit on essential emergency items is $400	Whatever it costs Limit $2,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $1,500. Limit $500 for domestic pet boarding fees. Limit on hijack is $5,000	$10,000	$1,000,000

Couple of Family plans

A 'Couple or Family' plan covers any two adults and dependent children under 21 years of age or dependent children under 25 years of age listed as current members on the adults' HBA health membership. The sum insured is per plan and all travellers on the same plan must be travelling on the same itinerary.

	Emergency medical assistance, including evacuation & repatriation	Overseas emergency medical and hospital expenses	Personal belongings	Cancellation, curtailment and additional expenses	Accidental death	Personal liability
Gold Plus Cover required for journeys via or to USA and Canada (maximum total period permitted in North American continent is 6 months).	Unlimited Limit $20,000 for repatriation of remains or overseas funeral or overseas cremation	Unlimited Limit on dental is $2,000. Limit for cash in hospital is $12,000	$24,000 Limit $4,000 per item or set or pair for photographic or electronic equipment. Limit $1,000 for other items. Limit on essential emergency items is $800	Whatever it costs Limit $3,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $6,000. Limit $500 for domestic pet boarding fees. Limit on hijack is $10,000	$50,000	$2,500,000
Gold Minimum cover required for journeys to Central and South America, Africa, Antarctica, Japan, Middle East, UK and Europe.	Unlimited Limit $20,000 for repatriation of remains or overseas funeral or overseas cremation	Unlimited Limit on dental is $2,000. Limit for cash in hospital is $12,000	$20,000 Limit $3,000 per item or set or pair for photographic or electronic equipment. Limit $800 on other items. Limit on essential emergency items is $800	Whatever it costs Limit $2,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $6,000. Limit $500 for domestic pet boarding fees. Limit on hijack is $10,000	$50,000	$2,500,000
Super Minimum cover required for Singapore, Malaysia, Thailand, Vietnam, Philippines, Asia (other), Hong Kong, China, Taiwan, Korea and the Indian subcontinent.	$200,000 Limit $20,000 for repatriation of remains or overseas funeral or overseas cremation	$400,000 Limit on dental is $2,000. Limit for cash in hospital is $12,000	$10,000 Limit $2,000 per item or set or pair for photographic or electronic equipment. Limit $500 for other items. Limit on essential emergency items is $800	Whatever it costs Limit $2,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $3,000. Limit $500 for domestic pet boarding fees. Limit on hijack is $10,000	$30,000	$2,000,000
Budget Minimum cover required for New Zealand, Indonesia (including Bali), South West Pacific, Papua New Guinea and Norfolk Island.	$125,000 Limit $20,000 for repatriation or overseas funeral or overseas cremation	$125,000 Limit on dental is $2,000. Limit for cash in hospital is $12,000	$7,000 Limit $500 per item or set or pair. Limit on essential emergency items is $800	Whatever it costs Limit $2,000 for motor vehicle insurance excess. Limit $500 for return of hire vehicle. Limit on resumption of journey is $3,000. Limit $500 for domestic pet boarding fees. Limit on hijack is $10,000	$20,000	$1,000,000

* For expenses incurred within 12 months of disablement.

Insurance Issued by Mutual Community General Insurance Pty Ltd (MCGI) ABN 59 007 895 543, AFSL 237634. In deciding whether this is the right insurance product for you, please consider the Product Disclosure Statement and Policy which can be downloaded on this website or can be obtained by calling us on 131 243. Any advice contained is general advice only and does not take into account your individual objectives, financial situation or needs, so before acting on it you should consider the appropriateness of it having regard to your personal circumstance. Bupa Australia Health Pty Limited ABN 50 003 098 655 and Bupa Australia Pty Limited ABN 81 000 057 590 (together Bupa Australia) (Trading HBA) are authorised to distribute, arrange for the issue of and provide financial product advice on this product as an authorised representative of MCGI.