Can you still claim on your insurance if you move overseas?
So, you’re packing your bags, booking that one-way ticket, and living your best life. But hang on—what about your life insurance? Does it come with you?
Short answer: yes, you can still be covered (whether you're overseas for a holiday or you've moved permanently). But there are some important catches to be aware of.
Let’s break down what stays covered, what might get messy, and how to make sure you don’t lose your benefits while you’re living overseas.
First up—what kind of policy do you have?
If your insurance is through your super, there might be limits on how long you're covered overseas. But if you got your policy through a retail adviser, you’re usually covered anywhere in the world, for as long as the policy is in force.
That means your life insurance, income protection, trauma, and TPD benefits can still pay out even if you live overseas permanently.
BUT:
Your claim will still need to go through the Australian insurer.
They might need medical records from local doctors (with English translations).
You’ll need an Australian bank account for the payout.
Don’t ignore the DFAT risk list
Here’s a big one: your cover might not apply if you travel to or live in a country considered high risk by DFAT (Department of Foreign Affairs and Trade).
If you travel to a country that’s already on the high-risk list, your insurer might not pay out if something happens to you there. But if you're living somewhere before it lands on the list? You might still be eligible—it all depends on timing and the insurer.
Insurers assess the risk, not just the postcode. Check the latest advice before booking that trip here.
Claims are still possible, but not always easy
Let’s say you’re in Spain, you have a trauma claim, and your specialist speaks zero English. That might slow things down.
Australian insurers need proper documentation to assess a claim, so make sure you can get:
Translated medical reports
Doctor’s certifications (equivalent to Australian standards)
Any other paperwork they request
The more complete your documentation, the smoother the process.
What about income protection?
If you’re receiving income protection payments, you’ll still get your monthly benefits while living overseas—but you’ll usually need to do ongoing medical reviews, possibly with Aussie-based specialists.
Each insurer has their own rules. Some might say it’s fine for 6 or 12 months, but after that you may need to return to Australia for ongoing assessments. Check with your insurer before you leave.
Being overseas doesn’t automatically stop your payments—but it might complicate your reviews.
What you need to keep in mind:
Always keep your Australian bank account open. That’s where the money goes.
Have power of attorney sorted in case you need someone to act on your behalf.
Tell your insurer if you’re planning on moving permanently. Some insurers require written notice.
Get everything in writing before you go—especially if you're claiming.
Do your homework
Living abroad doesn’t mean giving up your insurance. But it does mean knowing the fine print. If you’re insured through Skye, you can be covered overseas with no dramas—as long as you keep your documents sorted, stay away from high-risk zones, and communicate with your insurer.
And if you're not sure? Book a call with an adviser. We’ll help you check the facts before you board that plane.
Resources
DFAT SmartTraveller risk list
https://www.smartraveller.gov.au/
Destinations: https://www.smartraveller.gov.au/destinations
Berrill & Watson SuperTalk Blog: Disability insurance claims overseas