Worth noting that is seems the Emirates policy only excludes cover where there is a specific ban on travel. This does not include travel advice (to 'not travel'). It must be a ban. Otherwise you will be covered. There's also a limited number of destinations where Aussies have reciprocal health arrangements, and of course some dual nationals will also have health cover when returning 'home'.Who wants to go overseas without insurance (Emirates offer does not work for Australia as Govt has to be recommending overseas travel is OK) and face a 1 in 5 chance of paying (needing) medical help.