I am looking to purchase travel Medical insurance for a holiday to Australia from Cambodia. The package that I am looking at has secondary in brackets besides the premium. I do not have a primary insurance provider. Can I obtain this policy and will it be legally paid out if I have to make a claim. It us considerably cheaper for these packages and everything in the Product Disclosure document applies to my situation with no mention of Primary Insurer needing to be in place.
All the information I have found on the internet states that secondary provider becomes the primary provider if there is no primary Provider, by default.
Any assistance to clarify this position would be greatly appreciated.
PS. I am aware of COB practises, I will not have 2 policies.