Nuviya Medical Travel Insurance
Cover built for medical travel rather than around it. Every Australian patient who arranges surgery through Nuviya is enrolled automatically in our group policy, underwritten by a regulated international insurer, at no cost. All amounts on this page are in US dollars.
Why we include this
Most travel insurance policies specifically exclude anything arising from elective surgery you travelled overseas to have. It is the one risk you actually want covered, and it is the one commonly written out. Nuviya Medical Travel Insurance is built for medical travel instead of around it. Every Australian patient who arranges their surgery through Nuviya is enrolled automatically in our group policy, underwritten by a regulated international insurer, at no charge. You pay nothing. It is part of your Nuviya package.
Why standard travel insurance is not enough
| Typical travel insurance | Nuviya Medical Travel Insurance | |
|---|---|---|
| Complications of elective surgery you travelled overseas to have | Commonly excluded outright | Covered, up to US$25,000 in complication benefits |
| Further medical or surgical treatment after a covered complication | Commonly excluded | US$7,500 |
| Extra travel, meals and accommodation if recovery runs long | Usually tied to delay or illness, not surgery | US$2,500, to US$250 per day |
| Emergency medical cover for accident or illness while travelling | Usually included | US$1,000,000, excess US$250 |
| Emergency medical transportation | Usually included | US$50,000 |
| 24-hour emergency medical assistance line | Usually included | Included |
| Cost to you | Paid by you | US$0 — Nuviya pays the premium |
General comparison only. Travel insurance products vary widely — always read the Product Disclosure Statement of any policy you hold or are considering.
What is covered
| Additional medical or surgical treatment following a covered complication | US$7,500 |
| Additional treatment for an unsuccessful or unfavourable outcome resulting from a covered complication | US$2,500 |
| Additional treatment due to a thrombosis | US$2,500 |
| Additional travel, meals and accommodation for youMeals and accommodation to US$250 per day; travel in the same class as originally booked. | US$2,500 |
| Travel companion coordination — travel, meals and accommodationMeals and accommodation on the same daily terms. | US$2,500 |
| Accidental death or dismemberment | US$10,000 |
| Emergency medical transportation | US$50,000 |
| Repatriation of mortal remains | US$5,000 |
| 24-hour emergency medical assistance service | Included |
| Emergency medical cover for accident or illness while travellingExcess US$250. | US$1,000,000 |
| Travel cancellation in exceptional circumstances | US$10,000 |
| Travel delay of more than 12 hoursOutbound only. | US$1,000 |
| Loss of baggageOutbound only. Excess US$250. | US$1,000 |
| Emergency medical cover for COVID-19 illness in Brazil | US$25,000 |
| Travel, meals and accommodation related to COVID-19To US$250 per day. | US$5,000 |
Where a single event triggers more than one complication benefit, the total paid across them will not exceed US$25,000. Emergency medical transportation, repatriation of mortal remains and the 24-hour assistance service are additional to that cap.
Cover that follows you home
- A covered complication must be diagnosed within 180 days of the procedure.
- Treatment must take place within 270 days of the procedure.
Please read this carefully
This covers medical complications. It is not a satisfaction guarantee, and it does not fund a revision procedure because you would prefer a different aesthetic result.
Cancellation, delay and baggage
US$10,000
Travel cancellation in exceptional circumstances
US$1,000
Travel delay of more than 12 hours
Outbound only.
US$1,000
Loss of baggage
Outbound only. Excess US$250.
Travel cancellation, delay and baggage benefits require enrolment more than 96 hours before scheduled departure.
Who qualifies
- You are resident in Australia and travelling to Brazil for an elective procedure arranged through Nuviya.
- You are aged 70 or under. Applicants over 70 are submitted to the insurer for individual approval.
- Your trip departs and returns within 60 days.
- Your procedure is on the insurer's approved list, or has been submitted and approved before enrolment.
- You are enrolled more than 96 hours before departure.
Travel cancellation, delay and baggage benefits require enrolment more than 96 hours before scheduled departure.
Pre-existing conditions are excluded
Any condition existing at enrolment or in the three years before it is excluded, including later or recurring consequences of that condition.
Country of citizenship
Cover cannot be used to travel for treatment to a country of your own citizenship if you do not currently live there.
Which procedures are covered
Body
- Abdominoplasty
- Body contouring
- Lower body lift
Liposuction
- Abdomen
- Arms and legs
- Circumferential
- Under chin
- Vaser
Breast
- Breast augmentation
- Breast augmentation with lift
- Breast lift
- Breast reduction
- Breast reduction with lift
- Male breast reduction
Face
- Rhinoplasty
- Blepharoplasty (upper, lower or both)
- Brow lift
- Facelift (full, mid/lower, upper/mid)
- Neck lift
- Otoplasty
- Chin or cheek augmentation
Other
- Brachioplasty
- Thigh lift
- Buttock augmentation and implants
- Labiaplasty
- Lip augmentation
Procedures not listed can be submitted for approval before enrolment. Combination surgery in a single admission must be declared to the insurer in advance.
Who is behind this cover
Group policyholder
Nuviya
Holds the group policy and pays the premium. Arranges enrolment and helps with claims. Nuviya does not underwrite, does not assess claims and does not decide what is paid.
The programme
Global Protective Solutions (GPS)
The specialist medical tourism insurance programme. Administered by Custom Assurance Placements, Ltd., Columbia, South Carolina, USA, specialising in medical travel insurance since 2012.
The underwriter
Optimum Global Insurance Company Limited
Licensed international insurance company registered in Guernsey, conducting insurance business under the Insurance Business (Bailiwick of Guernsey) Law, 2002, as amended, regulated by the Guernsey Financial Services Commission under reference 2267099. Registered office Lefebvre Court, Lefebvre Street, St Peter Port, Guernsey GY1 2JP. Reinsures through a panel of A-rated reinsurers.
The claims manager
Optimum Global Limited
21 Perrymount Road, Haywards Heath, West Sussex RH16 3TP, United Kingdom.
- claims@optimumglobal.com
- +44 (0) 1444 473405
Emergency assistance
Healthcase (HCS)
24/7/365 emergency medical assistance. The programme includes Crisis24 travel security and the Horizon Mobile app.
- +1 305 893 9433
- hcserv@healthcaseservices.com
How it works
You confirm your surgery date
Enrolment happens once your procedure and travel dates are confirmed with Nuviya.
Nuviya enrols you and pays the premium
You are added to the group policy at no cost to you, more than 96 hours before departure.
You receive the policy documents
You get the wording, limits, conditions and exclusions before you commit to anything. Ask your patient advisor for a copy at any time.
You travel with cover in place
Complication benefits, travel benefits and the 24-hour assistance line are active for your trip.
If something goes wrong, you notify the claims manager
Contact the claims manager before any non-emergency additional treatment, and Healthcase immediately in an emergency.
What this cover is not
- This is not private health insurance, not a major medical policy and not comprehensive. It does not replace Medicare or Australian private health cover.
- It does not pay for the surgery, recovery accommodation or routine post-operative care.
- It does not guarantee workmanship, skill, aesthetic outcome, or that a procedure achieves its intended result.
- Pre-existing conditions, pregnancy and childbirth, mental health conditions, and a condition first appearing during travel that had not been previously diagnosed are excluded.
- Not following pre- or post-operative instructions will invalidate a complication claim.
- Benefits are excess of any other valid and collectable cover.
- Benefits are reimbursed.
- Standard exclusions apply, including war and terrorism, criminal acts, intoxication, self-inflicted injury, and a list of adventure and winter sports.
Making a claim
The one rule that matters most
Notify the claims manager before any non-emergency additional treatment. If notice is not given beforehand, the most payable on that non-emergency claim is US$1,000 in total across all benefits, regardless of the cost of treatment. In a genuine emergency, call the assistance line for pre-authorisation as soon as you are able.
- 1
In an emergency, call Healthcase
Call +1 305 893 9433 at any time, 24/7/365.
- 2
Notify Optimum Global Limited
Notify the claims manager within 90 days of the event and before any additional treatment is scheduled.
- 3
Tell Nuviya
Your patient advisor helps assemble the paperwork.
- 4
See a qualified doctor
Authorise the claims manager's medical adviser to access the relevant records.
- 5
Keep every receipt
Reimbursement is against evidence of payment.
Complaints
complaints@globalprotectivesolutions.com — Complaints are acknowledged within three business days. If you are still dissatisfied, the complaint may be referred to the Channel Islands Financial Ombudsman at www.ci-fo.org. Complaining does not affect your right to take legal action.
Insurance questions, answered
Nothing. Nuviya holds the group policy and pays the premium. Enrolment is automatic once your surgery date is confirmed.
Want to see the policy wording?
The full wording, limits, conditions and exclusions are available from your patient advisor on request, and you receive the documents before you commit to anything.
Nuviya Medical Travel Insurance is a medical complication and travel insurance policy provided under a group plan arranged by Nuviya Tech Ltda. through the Global Protective Solutions programme, administered by Custom Assurance Placements, Ltd., and underwritten by Optimum Global Insurance Company Limited, a licensed international insurance company registered in Guernsey and regulated by the Guernsey Financial Services Commission (reference 2267099), registered office Lefebvre Court, Lefebvre Street, St Peter Port, Guernsey GY1 2JP.
Nuviya is not the insurer. Nuviya does not underwrite this policy, does not assess or determine claims and does not act as your adviser in relation to it. This page is a summary for general information only. It is not financial product advice, it does not take account of your objectives, financial situation or needs, and it is not a substitute for the policy wording. The policy is governed by the laws of Guernsey and the courts of Guernsey have exclusive jurisdiction over any dispute arising under it.
This policy is not private health insurance, is not a major medical policy and is not comprehensive. It does not cover the cost of your procedure and provides no guarantee of the workmanship or skill of any provider, of the aesthetic result of any procedure, or that a procedure will achieve its intended outcome. Benefits are payable by reimbursement and are excess of any other valid and collectable cover. Cover is subject to eligibility, including age limits, trip-duration limits and the exclusion of pre-existing conditions. Full terms, limits and exclusions are set out in the policy wording, available on request. All amounts shown are in US dollars.