Non-Medical Plan

International Travel Insurance - Non-Medical Plan

 

Plan Benefits

The Non-Medical Plan provides travel insurance for persons travelling internationally, including substantial cancellation & luggage cover. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home.
It is also important to note that under a Non-Medical Plan, there is no provision for you to claim under the following sections of your policy if the claim arises from, is related to or associated with any injury or sickness suffered by you:
SECTION 2.1: CANCELLATION FEES & LOST DEPOSITS
SECTION 3.1: ADDITIONAL EXPENSES

Note: The Cancellation Fees & Lost Deposits benefit is a benefit that covers you from the moment you buy your policy.

This is a summary of benefits. Please read the Product Disclosure Statement (PDS) carefully for the complete details of “What we will pay” and “What we will not pay”. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the PDS.
Note: The amounts listed below are the maximum payable.

Section Benefit Individual
1.3* Accidental Death $25,000
1.4* Permanent Disability^ $25,000
2.1* Cancellation Fees and Lost Deposits as set out in the PDS
3.1* Additional Expenses $50,000
3.2* Travel Delay Expenses $2,000 (up to $200 per day)
3.3 Alternative Transport Expenses^ $5,000
4.1* Luggage and Personal Effects $10,000
4.2* Luggage and Personal Effects Delay Allowance $500
4.3 Travel Documents, Transaction Cards & Travellers Cheques^ $5,000
4.4 Theft of Cash $250
5.1* Rental Vehicle Excess $3,000
6.1* Personal Liability $2.5 million

 

* sub-limits apply - refer to YOUR POLICY COVER section of the PDS for details.

^ you do not have cover under these sections while travelling in Australia.

This is a summary only of the cover provided under the policy. Terms, conditions, limits and exclusions apply. *Sub-limits apply to particular types of losses or claims. ~ Where used, the term ‘Unlimited’ only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the PDS. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section.

 

Summary of Benefits

This is only a summary of the benefits. Please read the product disclosure statement carefully for the complete details of "What We Will Pay" and "What We Will Not Pay" and which types of cover are provided under each plan.
Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the product disclosure statement.

1.3 Accidental Death*

This benefit is payable if you die because of, and within 12 months of, an accidental bodily injury sustained during your journey.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $25,000

1.4 Permanent Disability*

This benefit is payable in the event of total loss of sight in one or both eyes or loss of use of a hand or foot because of, and within 12 months of, an injury sustained during your journey and the loss continues for at least 12 consecutive months and an appropriate medical specialist confirms it is beyond hope of improvment.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $25,000

2.1 Cancellation Fees and Lost Deposits*

This benefit provides cover for the non-refundable portion of prepaid travel and accommodation arrangements scheduled to be used during your journey, if your journey is cancelled, rescheduled or shortened due to circumstances neither expected nor intended by you or which are outside of your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Redundancy
  • Natural Disasters

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: Unlimited~ Benefit

3.1 Additional Expenses*

This benefit provides cover for the reimbursement of:

  • The cost of reasonable additional accommodation and travel expenses incurred due to you or your travelling companion being certified unfit to travel resulting from sickness or injury
  • Your travelling companion's or relative's reasonable accommodation and travel expenses to travel to, stay near or escort you following your hospitalisation due to serious injury or sickness
  • The reasonable cost of returning to Australia due to the sickness or injury of you or your travelling companion or due to the death or hospitalisation of a relative

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $50,000

3.2 Travel Delay Expenses*

This benefit provides cover for reasonable additional meals and accommodation expenses (after an initial six-hour delay) if your journey is delayed due to circumstances beyond your control.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $2,000

3.3 Alternative Transport Expenses

This benefit provides cover for reasonable additional travel expenses, following travel delays, to reach:

  • A Wedding
  • A Funeral
  • A Conference
  • A Sporting Event, or
  • Pre-paid travel/tour arrangements

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $5,000

4.1 Luggage and Personal Effects (Additional Cover Options Available)*

This benefit covers the lesser of the depreciated value, repair or replacement cost (up to the original purchase price) of luggage and personal effects which are stolen, lost or accidentally damaged, including:

  • Luggage
  • Spectacles
  • Personal Effects
  • Personal Computers
  • Cameras

There are limits on individual items

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $10,000

4.2 Luggage and Personal Effects Delay Expenses – Nil Excess*

This benefit provides reimbursement for the reasonable costs you incur purchasing essential items of clothing and other personal items if your luggage and personal effects are delayed, misdirected or misplaced by your carrier for more than 12 hours.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $500

4.3 Travel Documents, Transaction Cards & Travellers Cheques

This benefit provides cover for the issuer’s fees for replacing travel documents lost or stolen from you during your journey, such as:

  • Passports
  • Transaction Cards (Credit cards/debit cards/travel money cards)
  • Travel Documents
  • Travellers Cheques

The benefit also provides cover for any loss resulting from the fraudulent use of the lost or stolen cards or cheques, not covered by any guarantee given by the issuing bank or company, provided you have reported the loss, as set out in the Product Disclosure Statement, within 24 hours.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $5,000

4.4 Theft Of Cash - Nil Excess

This benefit provides cover for the following items stolen from your person:

  • Bank Notes
  • Cash
  • Currency Notes
  • Postal Orders
  • Money Orders

You must report the loss to the appropriate authority, as set out in the Product Disclosure Statement, within 24 hours.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $250

5.1 Rental Vehicle Excess*

This benefit provides cover for:

  • The excess, deductible or liability fee specified in your rental agreement, or the cost of property damage for which you are liable, whichever is the lesser, resulting from your rental vehicle being stolen, crashed or damaged.
  • The cost of returning your rental vehicle due to you being medically certified unfit to do so. Sub-limit applies.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $3,000

6.1 Personal Liability

This benefit provides cover for your legal liability to pay compensation, and your reasonable legal expenses, resulting from death or bodily injury to someone else, or physical loss of or damage to the property of other persons.

For detailed information please refer to the Product Disclosure Statement.

Individual Plan: $2.5 million

IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST