Most Australian retail life insurance policies provide worldwide cover for short-term overseas travel — if you die from any covered cause while on holiday or short business travel abroad, the standard policy responds. However, longer or permanent overseas relocation has different rules and varies by insurer: some policies require you to be an Australian resident for tax purposes, some apply temporary travel limits (commonly between 3 and 12 months in any given period), and most require notification to the insurer if you are leaving Australia for an extended period. Travel to areas the Australian Government has deemed unsafe (Department of Foreign Affairs and Trade 'Do Not Travel' advisories) may be excluded, and travel to active war zones is typically excluded outright. Some policies have specific exclusions for activities common to certain regions — for example, recreational mountain climbing in particular ranges or scuba diving in remote locations may need to be disclosed. If you are planning to relocate overseas long-term, contact your insurer before you leave to confirm whether your cover continues, whether premiums are payable in Australian dollars from an Australian account, and whether you need to update beneficiary or correspondence details. Returning to Australia for treatment may be required for some claims (more common in income protection than life cover, but worth checking the PDS).