The requirements that an insurance policy for traveling abroad must meet are as follows:
the amount of coverage of medical expenses must be at least 30,000 euros;
the period of validity of the insurance must cover the entire period of stay on the Norfolk Islands;
the policy is presented in printed form; There should not be a franchise in the terms of the contract.
It is recommended to make insurance no later than 5 days before departure.

What risks are covered by the insurance policy
Call for emergency assistance and transfer of the insured to a doctor or medical facility;
Payment for inpatient and outpatient treatment;
Transportation to the country of permanent residence for medical reasons;
emergency dental care;
Reimbursement for prescription drugs;
Reimbursement of expenses for urgent telephone conversations with an assistance company;
Return of the body and remains to their homeland.

The insurance does not cover:
treatment of chronic diseases and the consequences of diseases that began before the purchase of the insurance policy;
treatment of any sexually transmitted diseases;
treatment of mental disorders and various consequences resulting from an attack or exacerbation of a mental illness.

Basic insurance coverage does not include insured events that occurred due to:
an accident, if the insured person drove a vehicle without a driver’s license, violated traffic rules or was driving while intoxicated;
drug, alcohol or toxic intoxication;
armed conflicts, riots, uprisings, terrorist attacks, strikes, coups, etc.;
war, use of nuclear or other weapons of mass destruction, radiation exposure;
the impact of other factors that began to operate before the issuance of the insurance policy.

Additional insurance Medical insurance covers only those insured events that were provided for in the insurance contract. To receive additional assistance, financial compensation or related services, the corresponding risks must be included in the health insurance policy separately. For example:
Accident insurance. The insurance contract involves payment of honey. services and the purchase of medicines without the participation of the insured person: The insurance company pays bills on its own. To receive additional material compensation in your hands, you should add the Accident Insurance service to the basic medical insurance.
Civil liability insurance. The insurance company will pay the required amount of money to third parties in case of unintentional infliction of minor harm to health by them or pay the cost of sports equipment or other property accidentally broken by the insured person.
Relief of exacerbation of chronic diseases. The basic insurance option does not provide for the treatment of chronic diseases or their exacerbations. To provide appropriate assistance at the expense of the insurance company, you must specify the relevant risks at the time of issuing the insurance policy.
Help with sunburn. Specified separately at the time of purchase of the policy. The insurance company will pay for the treatment of a serious sunburn, or reimburse the cost of purchasing medicines prescribed by a doctor for the treatment of mild sunburn.
Legal assistance. If an insured person inadvertently breaks local law and is charged as a result, the insurance company will pay for an attorney, lawyer, or provide necessary legal support.