AIG Mature Age Travel Insurance - Combined Product Disclosure Statement and Policy Wording

 
AIG Mature Age Travel Insurance - Combined Product Disclosure Statement and Policy Wording
AIG Mature Age
   Travel Insurance

Combined Product Disclosure
Statement and Policy Wording
AIG Mature Age Travel Insurance - Combined Product Disclosure Statement and Policy Wording
Contents
			                                               Page

Section 1: Product Disclosure Statement             2
1.1 How AIG Mature Age Travel Insurance is Arranged 2
1.2 Key Benefits of Your Policy                      2
1.3 Important Information                            5
1.4 Costs                                            6
1.5 Cooling Off Period                               7
1.6 Code of Practice                                 7
1.7 How to Make a Claim                              7
1.8 Existing Health Disorders                        8
1.9 Mature Age Assessment                           10
1.10 Privacy Notice                                 10
1.11 Dispute Resolution                             12
Schedule of Benefits                           13-14
Section 2: Policy Wording                      15-36

Date prepared: 28 February 2014
PDS JM 10/00274.4 AH 10/008.1
AIG Mature Age Travel Insurance - Combined Product Disclosure Statement and Policy Wording
Section 1 - Product Disclosure                                        Overseas medical, hospital, cash in hospital,
                                                                      dental and related expenses
Statement (PDS)                                                       Medical, dental and accommodation costs and, when agreed
                                                                      to by Us, Your early return to Australia for medical reasons.
                                                                      Note that Medical cover is not provided under plan MQ12.
The PDS is designed to assist You in Your decision to purchase
AIG Mature Age Travel Insurance. It contains information about        Cash in Hospital
key benefits and significant features of AIG Mature Age Travel        After 48 hours hospitalisation overseas We will pay You $50 for
Insurance.                                                            every 24 hours You are confined in hospital for out-of-pocket
                                                                      expenses and other comforts. This is in addition to Your medical
The PDS also contains important information about Your rights
                                                                      and hospital costs. (Refer to Section E of Your Policy Wording)
and obligations including:
                                                                      Luggage and Personal Money
The Duty of Disclosure on page 17
                                                                      Covers accidental loss, theft or damage to Your luggage, including
Privacy Notice on page 10
                                                                      duty-free purchases and loss or fraudulent use of credit cards.
Cooling Off Period on page 7
                                                                      Limits apply to any one item of luggage:
Dispute resolution Information about dispute resolution options
                                                                      $600 under International Plans
available to You can be found under Section 1.11 of the Product
                                                                      $500 under Domestic Plan
Disclosure Statement.
                                                                      Special limits apply for camera, video camera, laptop computer
The full terms and conditions that apply to Your policy are
                                                                      equipment, and set of golf clubs:
contained in the Policy Wording at Section 2 of this booklet.
                                                                      $3,000 under International Travel Plans
                                                                      $500 under Domestic Travel Plan
1.1     How AIG Mature Age Travel
        Insurance is arranged                                         This section also provides cover for Your personal money if it
                                                                      is accidentally lost or stolen whilst overseas.
This Insurance is issued/insured by:
                                                                      Personal money means cash which is carried as hand luggage
AIG Australia Limited (AIG)
                                                                      or on Your person unless secured in a safe or strong-room where
ABN 93 004 727 753 AFSL 381686
                                                                      available, otherwise out of sight in a locked private residence
Level 12, 717 Bourke Street, Docklands VIC 3008.
                                                                      or room.
AIG issues/insures this product pursuant to an Australian
                                                                      Sporting Equipment
Financial Services Licence (‘AFSL’) granted to Us by the Australian
                                                                      Sporting Equipment is covered for loss or damage as part of
Securities and Investments Commission.
                                                                      Your luggage up to the limit specified in Your selected plan but
AIG prepared this Product Disclosure Statement.                       is not covered when in use. Items included are surfboards,
                                                                      boogie boards, skis, snowboards and tennis racquets. Golf clubs
1.2     Key Benefits Of Your Policy                                   are covered at the higher limit per plan. We will also pay for the
A summary of some of the key benefits of Your insurance policy        hire of replacement golf clubs and ski gear in the event that Your
can be found below.                                                   equipment is delayed.
You should be aware that exclusions do apply. For detailed            Luggage Specified Items
information about the benefits, exclusions, the circumstances         Cover on items worth more than the limits shown (including
under which and times benefits are provided and the                   sporting equipment and cameras) can be arranged up to a
process for making a claim, please read the full Policy               maximum $4,000 for any one item or set with a maximum of
Wording commencing at Section 2 of this booklet.                      $8,000 in total by paying an additional premium of 4% on the
                                                                      Insured value of these specified items.
Cancellation Fees and Lost Deposits
Charges incurred due to unforeseen circumstances outside Your         You must provide Us with receipts for purchase or a valuation
control such as sickness or accident, retrenchment and strikes.       that is not more than twelve months old in support of any claim
                                                                      that may occur.
Includes travel agents’ fees and reimbursement for frequent flyer
points lost. (Refer to Section D of Your Policy Wording)              Emergency cover if luggage is delayed
                                                                      (Refer to Section F of Your Policy Wording)
                                                                      Emergency Expenses
                                                                      Cover for Additional Accommodation, Meal and Travelling
                                                                      Expenses including emergency personal telephone calls if Your
                                                                      Trip is disrupted.
                                2                                                                     3
AIG Mature Age Travel Insurance - Combined Product Disclosure Statement and Policy Wording
Travel Delay                                                            1.3      Important Information
Cover for reasonable accommodation and meals if You are
                                                                        A range of benefits are available under this policy. However
delayed by carriers for more than ten hours.
                                                                        there are some circumstances where cover cannot be provided.
Resumption of Trip                                                      These are covered in the Policy Wording but We draw Your
Cover for expenses to resume Your original Trip should You return       attention to some important points below.
to Australia with Our consent following the death, or sudden
                                                                        • This policy does not automatically provide cover for travellers
Serious Injury or Illness, of You, Your Travelling Companion or
                                                                          with a known existing health disorder (refer Section 1.8 of
a Relative or close business associate. This cover does not apply
                                                                          the PDS titled ‘Existing Health Disorders’).
to one way tickets. (Not applicable to Plan MQ12)
                                                                        • This policy does not automatically provide cover for any
Home Help
                                                                          person who is aged 85 years or over (refer Section 1.9 of
If You have been hospitalised overseas for more than 10 days
                                                                          the PDS titled ‘Mature Age Assessment’).
and We have repatriated You back to Australia, We will provide
if required up to $1,500 for assistance provided by a company           • Limits and sub limits apply to certain benefits under the plan
providing housekeeping or similar services registered for GST             (refer to Your Policy Wording which is at Section 2 of this
in Australia. This benefit does not extend to home nursing.               booklet).
(Not applicable to Plan MQ12)                                           • This policy is not able to cover any medical, hospital, dental
(Refer to Section G of Your Policy Wording)                               or ancillary benefits incurred in Australia or which We are
Accidental Death                                                          prevented from paying by reason of any statutory legislation
Occurring as a result of an accident or Terrorist Act – includes          or government regulation such as the National Health Act.
in-flight cover. (Refer to Section H of Your Policy Wording)            Please note that You are obliged to check that it is safe
Your liability for causing loss or damage                               to travel to Your destination. Information on safe travel is
to property, injury or death                                            available at www.smartraveller.gov.au
Protection for You being liable for injuring other persons or causing   Mature Age Traveller
damage to their property and, most importantly, Your legal              This policy is available and valid only for travellers aged 70
expenses are included. (Refer to Section J of Your Policy Wording)      years and over at the date of departure.
Rental vehicle collision damage and theft excess cover                  Travellers aged under 70 years should refer to Our AIG Leisure
Rental car companies apply an excess in case of accident,               Travel Insurance Policy. Information and Application for Our
damage or theft to the rental vehicle during the rental period.         Leisure Travel Insurance is available at http://aig.com.au.
Your policy provides cover for this up to an amount of $4,000.
                                                                        Australian Resident Traveller
Please note that conditions and exclusions apply to this cover.         This policy is only available to travellers who are permanent
The hiring agreement must incorporate comprehensive motor               residents of Australia unless otherwise agreed by Us.
insurance against loss or damage to the rental vehicle.
                                                                        Plan selection
You also have the option to increase the level of excess cover up       International travel plans:
to a maximum of $6,000. An extra premium of $15 is payable
for each $500 of additional excess cover required. (Refer to            • You should select the travel plan designated for
Section K of Your Policy Wording)                                         Your destination.

Financial Default                                                       • If You have a multiple destination itinerary You should select
Provides reimbursement of reasonable costs to assist You should           the travel plan for the destination where You will spend the
there be a Financial Default of Your travel services provider. This       majority of Your Trip overseas except where You will spend
does not include travel agents. (Refer to Section L of Your Policy        more than 96 hours of Your Trip in the continents of
Wording)                                                                  North America, South America or Antarctica.

General Exclusions                                                      • If You will spend more than 96 hours of Your Trip in the
In addition to the specific exclusions which appear in the Sections       continents of North America, South America or
referred to above, Your Policy Wording also contains general              Antarctica then You must select the Platinum Plan.
exclusions. Please refer to Section C of Your Policy Wording            Please note: this policy will not cover any loss, injury, damage
titled ‘Losses not insured under any Section of the policy’.            or legal liability arising directly or indirectly from travel in, to or
Your Policy Wording also contains a list of:                            through Afghanistan, Cuba, Democratic Republic of Congo,
• Important matters at Section A of Your Policy Wording and             Iran, Iraq, Liberia, Sudan, or Syria.

• Definitions at Section B of Your Policy Wording

                                  4                                                                         5
AIG Mature Age Travel Insurance - Combined Product Disclosure Statement and Policy Wording
PLAN         PLAN     DESTINATION                                      Excess
 NAME         CODE                                                      For some sections there is an amount of money (excess) that
 		 (excluding Afghanistan, Cuba, Democratic                            You must contribute when You claim.
 		 Republic of Congo, Iran, Iraq, Liberia, Sudan                       Excess Payable
 		 or Syria)                                                           For Domestic travel plan $50 AUD
 Platinum MF12         travel to USA, Canada, Mexico, Central           For International travel plans $100 AUD
 		                    & South America and Antarctica
                                                                        Excess Eliminator
 Gold MC12             travel to Europe, Ireland, Japan, Middle East,   Payment of an additional $25 per policy can remove
 		                    Africa, Mauritius, Scandinavia and Russia        all excesses on claims on all Plans.
 Silver MD12           travel to Asia, India, Sub-Continent,
 		                    United Kingdom, Indonesia and China              1.5     Cooling Off Period
 Bronze ME12           travel to South West Pacific, Norfolk Island,    You may return this policy to AIG within 14 days of purchasing,
 		                    New Zealand and Bali                             provided that no claim has arisen and Your Trip has not
                                                                        commenced.
• Domestic Travel Plan (Plan MQ12): Travel within Australia             AIG will cancel the policy and give You a full refund of premium.
  (including Lord Howe Island, Cocos Island, Christmas Island).
  You also have the option to increase the level of Cancellation        1.6     Code of Practice
  cover up to a maximum of $20,000. An extra premium of                 AIG is a signatory to the General Insurance Code of Practice.
  $25 is payable for each $1,000 of additional Cancellation             This aims to raise the standards of practice and service in the
  cover required.
                                                                        insurance industry, improve the way the claims and complaints
Travel on cruise liners                                                 are handled and help people better understand how general
Travellers on domestic cruises may take Bronze Plan as there            insurance works. Information brochures on the Code are
may be circumstances where overseas medical cover can be                available upon request.
provided. Travel in cruise liners on the South Pacific should take
Bronze Plan.                                                            1.7     How to make a Claim
Travellers cruising in other worldwide locations need to take the       You must register any claim to AIG within 30 days after
plan specified for the port of departure and note our exclusions        completion of Your travel.
regarding some countries.                                               If You need to make a claim, We will require You to:
Single cover                                                            (a) provide Us with original invoices, receipts and other vouchers
Cover and premium is provided for one adult including                       relating to Your loss or expenses. It is the responsibility of the
financially dependent children or grandchildren under 25 years              insured person to provide proof of ownership of any lost,
travelling with You.                                                        stolen or damaged items and We are under no obligation
Policy extension                                                            to make payment without this proof of ownership.
The AIG Mature Age Travel Insurance policy cannot be extended           (b) produce Your Certificate of Insurance.
beyond the original period of cover.
                                                                        (c) provide Us with all information We require.
1.4     Costs                                                           For Claim Forms or any enquiries in relation to entitlement
The premium will be shown on Your Certificate of Insurance.             to claim under this Policy, contact AIG for assistance on:
Premiums are based on a number of factors including the                 Phone: 1800 017 682
destination and length of Your Trip, the number of travellers           or alternatively You can lodge Your Claim online or download
and their ages.                                                         a Claim Form from the Claims page under http://aig.com.au
The base premium will be increased by any optional covers               In the event of claims under some policy sections an excess will
You select.                                                             apply. Please refer to the Policy Wording.
Premiums are inclusive of applicable government charges
including GST and Stamp Duty.
The nature of the excess and when it applies are described in the
Policy Wording under ‘Important matters about Your policy’.

                                 6                                                                        7
1.8     Existing Health Disorders                                     • Cover of Existing Health Disorders is limited to the approval
                                                                        for the original Policy and cannot be extended.
This policy does not automatically provide cover
for travellers with an existing health disorder.                      • You must retain a copy of our confirmation letter, which
                                                                        contains your Assessment Number, in the event of submitting
Existing Health Disorder means:
                                                                        a claim.
(a) any illness, disease or other condition, including symptoms
                                                                      To be assessed by Travel Guard™, you will need to:
    thereof suffered by You, Your Relative, business associates, or
    Travelling Companion, which in the one year period before         a. Telephone the Travel Guard™ Medical Assessment Unit
    You applied for this insurance:                                      on 1800 008 473 (8.30am to 5pm week days, excluding
                                                                         public holidays)
   (i) first manifested itself, worsened, became acute or
       exhibited symptoms which would have caused an                  b. Request an ‘Existing Health Disorder’ assessment.
       ordinarily prudent person to seek diagnosis, care or
                                                                      You will need to provide the medical assessment unit with the
       treatment; or
                                                                      following:
   (ii) required taking prescribed drugs or medicine, or tests or
                                                                      (i) Relevant traveller’s full name and age;
        further investigation had been recommended by a legally
        qualified medical practitioner; or                            (ii) Details of the Trip;
   (iii) was treated by a legally qualified medical practitioner or   (iii) Details of condition, current treatments and medications;
         treatment had been recommended by a legally qualified        (iv) Contact details of the relevant traveller’s current Doctor; and
         medical practitioner.
                                                                      (v) Medical reports as required by the medical assessment unit.
(b) It shall also mean any congenital, hereditary, chronic or
    ongoing condition of Yours, Your Relative, business associates,   The provision of any information or reports required by the
    or Travelling Companion which You or they are aware of, or        medical assessment unit will be at your expense.
    could reasonably be expected to be aware of, before You           Policy cover for Existing Health Disorder cannot commence until
    applied for this insurance.                                       Travel Guard™ have reviewed the required information and
Existing Health Disorder cover is only available in respect of        advised acceptance of Our decision.
medical conditions for persons insured under this policy.             Automatic Acceptance
Assessment of Application                                             The conditions which follow are automatically covered under this
If you have an Existing Health Disorder, simply call Travel Guard™    Policy, subject to You satisfying provisions 1 and 2 below.
on 1800 008 473 to complete our phone-based medical                   Provisions for Automatic Acceptance
assessment. Before you call, please refer below to conditions that
                                                                      1. Automatic Acceptance is only available for Your conditions
may be covered as you may not require a formal assessment.
                                                                         provided there are no planned procedures, and there have
If you wish to apply for cover:                                          been no complications or exacerbations of the condition
• Travel Guard™ will fairly assess applications but cannot               within the last six months. In all other circumstances, cover
  guarantee acceptance.                                                  for Existing Health Disorders is subject to application and
                                                                         assessment as outlined under Assessment of application
• Travel Guard™ may either:                                              in the PDS.
  (i) accept, or
  (ii) decline, and                                                   2. Automatic Acceptance does not apply if You request an
  if applicable, may request additional premium payment                  Existing Health Disorder assessment for any reason. If You
  for the Existing Health Disorder cover.                                request an Existing Health Disorder assessment Travel Guard
                                                                         will fairly assess Your application on the basis of Your medical
• If the Existing Health Disorder is accepted, a non-refundable          history. Travel Guard cannot guarantee acceptance and the
  administrative fee will also be charged for assessing Your             assessment outcome may be to decline cover for Existing
  application for Existing Health Disorder cover. Payment can            Health Disorders even if You suffer a condition that is noted
  be made by Credit Card over the phone.                                 on the Automatic Acceptance list below.
• Travel Guard™ will advise you of the outcome of the                 If in any doubt we recommend that you undergo a medical
  assessment on the phone and arrange a confirmation letter           assessment. Please note additional charges apply and applications
  to be sent to you.                                                  can only be made by persons travelling under this policy.
• If cover can be provided, Travel Guard™ will advise you of the      Acne, Allergies, Asthma (nil attacks requiring hospitalisation
  terms of cover and Plan Code, together with an Assessment           or medical treatment within the last 12 months), Broken/
  Number.
                                  8                                                                     9
Fractured Bones (providing these are completely healed            • advise You of Our and other products and services that may
with no ongoing treatment or residual problem), Cataracts,          interest You.
Coeliac Disease, Eczema, Essential Tremor, Gastric reflux,        You have a legal obligation under the Insurance Contracts
Glaucoma, Hay fever, Haemorrhoids, Hiatus Hernia, Hip/            Act 1984 to disclose certain information. Failure to disclose
Knee Replacements (performed more than 12 months ago and          information required may result in AIG declining cover,
no ongoing treatment or residual problem), Hypothyroidism,        cancelling Your insurance cover or reducing the level of cover,
Insomnia, Menopause/HRT, Restless Leg Syndrome,                   or declining claims.
Tinnitus, Varicose Veins.
                                                                  To whom We disclose Your personal information
1.9     Mature Age Assessment                                     In the course of underwriting and administering Your policy
                                                                  We may disclose Your information to:
This policy does not automatically provide cover
for travellers aged 85 years and over.                            • entities to which AIG is related, reinsurers, contractors
                                                                    or third party providers providing services related to the
If You are aged 85 years and over and wish to apply for             administration of Your policy;
consideration of cover You should obtain a Mature Age
Assessment application from AIG.                                  • banks and financial institutions for policy payments;
                                                                  • assessors, third party administrators, emergency providers,
You should complete the application and return it to AIG
                                                                    retailers, medical providers, travel carriers, in the event of
for processing.
                                                                    a claim;
Travellers aged 85 years and over, if accepted, will be advised   • other entities to enable them to offer their products or services
of the premium payable and terms of cover.                          to You; and
1.10 Privacy Notice                                               • government, law enforcement, dispute resolution, statutory
                                                                    or regulatory bodies, or as required by law.
This notice sets out how AIG collects, uses and discloses
personal information about:                                       AIG is likely to disclose information to some of these entities
                                                                  located overseas, including in the following countries: United
• You, if an individual; and
                                                                  States of America, United Kingdom, Singapore, Malaysia, the
• other individuals You provide information about.                Philippines, India, Hong Kong, New Zealand as well as any
Further information about Our Privacy Policy is available         country in which You have a claim and such other countries
at www.aig.com.au or by contacting Us at                          as may be notified in Our Privacy Policy from time to time.
australia.privacy.manager@aig.com or on 1300 030 886.             You may request not to receive direct marketing
How We collect Your personal information                          communications from AIG.
AIG usually collects personal information from You or             Access to Your personal information
Your agents.                                                      Our Privacy Policy contains information about how You may
AIG may also collect personal information from:                   access and seek correction of personal information We hold
                                                                  about You. In summary, You may gain access to Your personal
• Our agents and service providers;
                                                                  information by submitting a written request to AIG.
• other insurers;
                                                                  In some circumstances permitted under the Privacy Act 1988,
• people who are involved in a claim or assist Us in
                                                                  AIG may not permit access to Your personal information.
  investigating or processing claims, including third parties
                                                                  Circumstances where access may be denied include where it
  claiming under Your policy, witnesses and medical
                                                                  would have an unreasonable impact on the privacy of other
  practitioners;
                                                                  individuals, or where it would be unlawful.
• third parties who may be arranging insurance cover for
                                                                  Complaints
  a group that You are a part of;
                                                                  Our Privacy Policy also contains information about how You
• providers of marketing lists and industry databases; and        may complain about a breach of the applicable privacy
• publically available sources.                                   principles and how We will deal with such a complaint.
Why We collect Your personal information                          Consent
AIG collects information necessary to:                            Your application includes a consent that You and any other
• underwrite and administer Your insurance cover;                 individuals You provide information about consent to the
                                                                  collection, use and disclosure of personal information as set
• maintain and improve customer service; and
                                                                  out in this notice.

                                  10                                                              11
1.11 Dispute Resolution                                               • When medical care is needed, direct You to suitable medical
                                                                        facilities, monitor Your condition and treatment as well as
What should you do if you have a complaint?
                                                                        keeping Your family and friends at home informed.
We are committed to handling any complaints about our
                                                                      • Authorise and guarantee payment of hospital and
products or services efficiently and fairly.
                                                                        medical costs.
If You have a complaint:
                                                                      • Decide if and when evacuation or repatriation is required
1. Contact Us on Our dedicated complaints line – 1800 339 669.          and coordinate all facets.
2. If Your complaint is not satisfactorily resolved You may request   • Provide help to re-schedule travel plans when Your Trip
   that the matter be reviewed by management by writing to:             is interrupted by an emergency.
   The Compliance Manager                                             To contact Travel Guard™, phone REVERSE CHARGE from
   AIG                                                                anywhere in the world on 60 3 2772 5592.
   Level 12, 717 Bourke Street
                                                                      Insured Name and Policy Number must be quoted at the time
   Docklands VIC 3008
                                                                      You call.
3. If You are still unhappy, You may request that the matter
   be reviewed by Our Internal Dispute Resolution Committee
   (“Committee”). We will respond to You with the Committee’s
   findings within 15 working days.
                                                                      Schedule of Benefits
4. If You are not satisfied with the finding of the Committee,        This Section contains the Schedule of Benefits
   You may be able to take Your matter to an independent              It also contains a brief summary of some information concerning
   dispute resolution body, Financial Ombudsman Service               Your Policy. You should read the Product Disclosure Statement
   (FOS). This external dispute resolution body can make              (Section 1 of this Booklet) and the Policy Wording (Section 2
   decisions with which AIG are obliged to comply.                    of this booklet) for detailed information about the benefits,
                                                                      exclusions, the circumstance under which and times benefits
   Contact details are:                                               are provided.
   Financial Ombudsman Service
   Phone: 1300 78 08 08 (local call fee applies)                      Schedule of Benefits
   Email: info@fos.org.au                                             Your Policy wording provides information about the benefits,
   Internet: http://www.fos.org.au                                    exclusions and the circumstances and times under which the
   GPO Box 3, Melbourne, VIC 3001                                     benefits are provided.

24 Hour Emergency Assistance
Pre-trip and emergency assistance is provided on behalf of
AIG Mature Age Travel Insurance by Travel Guard™, the world’s
leading provider of medical assistance and international
healthcare. Travel Guard™ operates a network of 24 hour alarm
centres, clinics and dedicated air ambulances to provide the best
possible medical advice, care and medical transfers for You.
By choosing AIG Mature Age Travel Insurance, You have direct
access to these vital services before and during Your journey.
Our staff are available to assist You every hour of every day
as part of Your cover. We will assess Your situation and guide
You through the process to solve it. Depending on Your specific
needs, We can:
• Provide pre-trip advice such as what vaccinations are required
  and the local medical conditions at Your destination.
• Help You in the event of lost luggage, travel documents or
  credit card by putting You in touch with the nearest embassy
  or other authorities.

                                 12                                                                  13
SCHEDULE OF INTERNATIONAL BENEFITS

                                                         Maximum sum
    BENEFITS                                            insured per Trip
    Cancellation Fees and Lost Deposits                     Unlimited
    Travel Agents fees                                       $4,000
    Overseas Medical and Hospital                           Unlimited
    Funeral Expenses Overseas                               $20,000
    Overseas Dental (sub limits apply please see E3)         $2,000
    Emergency Expenses                                      Unlimited
    Cash in Hospital                                         $6,000
    Luggage (sub limits apply please see section F)         $15,000
    Personal Money                                            $500
    Resumption of Journey                                    $3,000
    Travel Delay                                             $1,000
    Hijack and Kidnap                                       $10,000
    Special Events, Missed Connections                       $2,000
    Home Help                                                $1,500
    Accidental Death                                        $25,000*
    Your Legal Liability                                  $2,500,000
    Rental Vehicle Excess                                    $4,000
    Financial Default                                       $10,000

                   SCHEDULE OF DOMESTIC BENEFITS
                                                                              Section 2 -
                                                         Maximum sum
    BENEFITS                                            insured per Trip      Policy Wording
    Cancellation Fees and Lost Deposits                     $15,000
    Travel Agents fees                                       $4,000
    Emergency Expenses (except for G2 and G7)               $15,000
    Luggage (sub limits apply please see section F)          $3,000
    Travel Delay                                              $300
    Hijack and Kidnap                                       $10,000
    Special Events, Missed Connections                       $2,000
    Accidental Death                                        $10,000*
    Your Legal Liability                                   $500,000
    Rental Vehicle Excess                                    $4,000
    Financial Default                                       $10,000

*     Cover is limited to up to $1000 each for the accidental death of Your
      dependent children and grandchildren under 25 years of age travelling
      with You.

                                     14                                                    15
Section 2 - Policy Wording                                                   • Domestic Travel Plan (Plan MQ12): Travel within
                                                                               Australia (including Lord Howe Island, Cocos Island,
                                                                               Christmas Island). You also have the option to increase
                                                                               the level of Cancellation cover up to a maximum of
A) Important matters about your policy                                         $20,000. An extra premium of $25 is payable for
                                                                               each $1,000 of additional Cancellation cover
A1.     This document contains Your travel insurance                           required.
        policy terms and conditions. It is important that
        You read and understand it and retain it in a                  A3.   The most We will pay under any section is the amount
        safe place.                                                          shown in the schedule of benefits for the plan You
                                                                             have selected. For some plans and sections there is an
        In the event of a claim arising under this policy You will           amount of money (excess) that You must contribute when
        be required to furnish evidence of the circumstances and             You claim and these are shown below.
        the value of such loss. Please retain documents such as
        receipts, accounts, police or doctor’s reports, valuations           Excess payable
        and proof of ownership in support of Your claim.                     For all Domestic travel plans      $50
                                                                             For all International travel plans $100
A2.     Plan Selection
                                                                             Excess Eliminator
        International travel plans (MF12, MC12, MD12, ME12):                 Payment of an additional $25 per policy can remove
        • You should select the travel plan designated for Your              all excesses on claims on all Plans.
          destination.                                                 A4.   We will try to get You medical attention when You travel
        • If You have a multiple destination itinerary You                   but Our Emergency Service cannot guarantee that
          should select the travel plan for the destination                  appropriate medical facilities will always be available.
          where You will spend the majority of Your Trip                     The Emergency Service is only provided to assess
          overseas except where You will spend more than                     and monitor Your condition and cannot take over the
          96 hours of Your Trip in the continents of North                   running of Your medical treatment.
          America, South America or Antarctica.                              Please note that where Your claim is not covered under
        • If You will spend more than 96 hours of Your Trip                  the policy, the providing of Emergency Assistance will not
          in the continents of North America, South                          in itself be an admission of liability of Your claim.
          America or Antarctica then You must select the               A5.   Your Duty of Disclosure
          Platinum Plan.
                                                                             What You Must Tell Us

 Please note: this policy will not cover any loss, injury,                   When answering Our questions, You must be honest
 damage or legal liability arising directly or indirectly                    and You have a duty under law to tell Us anything
 from travel in, to or through Afghanistan, Cuba,                            known to You, and which a reasonable person in the
 Democratic Republic of Congo, Iran, Iraq, Liberia,                          circumstances, would include in answer to the question.
 Sudan, or Syria.                                                            We will use the answers in deciding whether to insure
                                                                             You and anyone else to be insured under the policy, and
 PLAN        PLAN     DESTINATION                                            on what terms.
 NAME        CODE
                                                                             Who Needs to Tell Us
 		 (excluding Afghanistan, Cuba, Democratic                                 It is important that You understand You are answering
 		 Republic of Congo, Iran, Iraq, Liberia, Sudan
                                                                             Our questions in this way for Yourself and anyone else
 		 or Syria)
                                                                             whom You want to be covered by this policy.
 Platinum MF12        travel to USA, Canada, Mexico, Central
 		                   & South America and Antarctica                         If You Do Not Tell Us
                                                                             If You do not answer Our questions in this way, We may
 Gold MC12            travel to Europe, Ireland, Japan, Middle East,
                                                                             reduce or refuse to pay a claim, or cancel a policy. If You
 		                   Africa, Mauritius, Scandinavia and Russia
                                                                             answer Our questions fraudulently, We may refuse to
 Silver MD12          travel to Asia, India, Sub-Continent,                  pay a claim and treat the policy as never having been
 		                   United Kingdom, Indonesia and China                    in existence.
 Bronze ME12          travel to South West Pacific, Norfolk Island,
 		                   New Zealand and Bali

                               16                                                                    17
A6.    Your policy is valid only when You pay the premium             B) Definitions (meaning of words)
       and a Certificate of Insurance is issued to You. The
       cover provided by this policy is only for the Trip specified   Additional Accommodation, Meal and Travelling
       on Your Certificate of Insurance. The Certificate of           Expenses means only those reasonable expenses over and
       Insurance shows the date of issue which is when cover          above what You expected to pay for accommodation, meal and
       for cancellation fees and lost deposits begin.                 travelling expenses including emergency personal telephone
                                                                      calls, had the Trip gone ahead as planned.
       Cover for all other benefits begins on the Departure
       Date shown on Your Certificate of Insurance or the date        Existing Health Disorder means:
       You commence Your Trip and finishes on the Return Date         (a) any illness, disease or other condition, including symptoms
       or any earlier date if Your Trip is shortened.                     thereof suffered by You, Your Relative, business associates,
A7.    The policy is a contract between You and Us; You pay               or Travelling Companion, which in the one (1) year period
       Us the premium and in return We give You the cover                 before the date the Certificate of Insurance was issued:
       described in the policy. The policy is governed by the            (i) first manifested itself, worsened, became acute or
       laws in the State or Territory in which it is issued.                 exhibited symptoms which would have caused an
A8.    You are free to take out travel insurance with any insurer            ordinarily prudent person to seek diagnosis, care or
       You choose.                                                           treatment; or
A9.    Subject to Your rights under the cooling off period, We           (ii) required taking prescribed drugs or medicine, or tests
       will not refund any part of the premium if You cancel                  or further investigation had been recommended by a
       Your cover after any part of this policy has begun or                  legally qualified medical practitioner; or
       a claim has arisen.                                               (iii) was treated by a legally qualified medical practitioner or
A10.   We will automatically extend cover for a period that is                 treatment had been recommended by a legally qualified
       necessary for You to complete Your Trip if Your return is               medical practitioner.
       delayed because of anything for which You can claim            (b) It shall also mean any congenital, hereditary, chronic
       under this policy otherwise Your policy cannot be                  or ongoing condition of Yours, Your Relative, business
       extended.                                                          associates, or Travelling Companion which You or they are
A11.   We will not pay a claim if Your claim is fraudulent.               aware of, or could reasonably be expected to be aware of,
                                                                          before the date the Certificate of Insurance was issued.
A12.   We may refuse to pay a claim under this policy if You
       do not observe any condition of this policy.                   Financial Default means insolvency, bankruptcy, provisional
                                                                      liquidation, liquidation, financial collapse, appointment of
                                                                      a receiver, manager or administrator, entry into any official
                                                                      or unofficial scheme of arrangement, statutory protection,
                                                                      restructuring or composition with creditors, or the happening
                                                                      of anything of a similar nature under the laws of any jurisdiction.
                                                                      Luggage means personal items, including sporting equipment,
                                                                      dentures and or dental prostheses designed to be worn or
                                                                      carried by You which You take with You or buy during Your Trip,
                                                                      unless they are excluded under “What is not covered” in Section
                                                                      F and C.
                                                                      Motor Cycle means a motorised cycle.
                                                                      Relative means someone who is resident in Australia or New
                                                                      Zealand and is Your spouse or defacto spouse of either gender,
                                                                      parent, parent-in-law, daughter, son, daughter or son-in-law,
                                                                      brother, sister, brother or sister-in-law, niece or nephew,
                                                                      grandchild, grandparent, step-parent, stepdaughter, stepson,
                                                                      aunt, uncle, fiancée, fiancé or guardian.
                                                                      Rental Vehicle means a motor vehicle rented or hired by You
                                                                      from a recognized motor vehicle rental company for the carriage
                                                                      of passengers and does not include any vehicle designed to be
                                                                      used for the carriage of commercial goods.

                               18                                                                     19
Serious Injury or Illness means a condition which necessitates          C) Losses not insured under any
treatment by a legally qualified medical practitioner and which
                                                                           section of this policy
results in You or any other person to which this insurance applies
being certified by that medical practitioner at the time as being
unfit to travel or continue on with Your original Trip.                 What is not covered
                                                                        Your policy does not provide for losses, liability or expenses that
Travelling Companion means the person who is to travel with
                                                                        are for, related to or as a result of:
You for at least 50% of the Trip and who made arrangements to
accompany You before You began the Trip.                                C1.     You not acting in a responsible way to protect Yourself
                                                                                and Your property or to prevent or reduce Your loss.
Trip means the travel You are undertaking and commences
from the time You leave Your home or place of departure to start        C2.     Something that at the time of taking out this policy You
Your Trip until You return home or until the end of the period                  were aware of or could be expected to be aware of,
of insurance shown as the return date on the Certificate of                     which could bring about Your making a claim under this
Insurance, whichever is sooner.                                                 policy.
Terrorist Act means any actual or threatened use of force               C3.     Hunting, racing other than on foot, playing polo,
or violence directed at or causing damage, injury, harm or                      professional sport, mountaineering or rock climbing
disruption, or committing of an act dangerous to human life or                  using ropes or climbing equipment (other than hiking),
property, against any individual, property or government, with                  pot holing, or travelling in international waters in a
the stated or unstated objective of pursuing economic, ethnic,                  private sail vessel or privately registered sail vessel.
nationalistic, political, racial or religious interests, whether such   C4.     You or Your Travelling Companion or any other person
interests are declared or not.                                                  for whom You may cancel or alter Your travel plans,
Robberies or other criminal acts, primarily committed for                       whether that person is directly involved with Your travel
personal gain and acts arising primarily from prior personal                    or not, being affected by alcohol or drugs, unless the
relationships between perpetrator(s) and victim(s) shall not be                 drugs were prescribed and used as directed by a doctor.
considered Terrorist Acts. Terrorism shall also include any act         C5.     You acting illegally or breaking any government
which is verified or recognised by the (relevant) Government                    prohibition or regulation.
as an act of terrorism.
                                                                        C6.     War, civil war, invasion, insurrection, revolution, use of
Transport Provider means any airline, bus line, shipping line                   military power or usurpation of government or military
or railway that has accepted Your fare.                                         power.
Travel Service Provider means any scheduled service airline,            C7.     Any consequential loss, economic or otherwise, loss of
hotel, accommodation provider, motor vehicle rental or hire                     enjoyment or other loss not mentioned in this policy.
agency, bus line, shipping line or railway company.
                                                                        C8.     Nuclear explosion including all effects thereof; or
Unattended means, but is not limited to, when an item is not                    radioactive contamination caused by ionising radiation
on Your person at the time of loss, left with a person other than               or contamination by radioactivity from any nuclear fuel
Your Travelling Companion, left in a position where it can be                   or from any nuclear waste caused by the combustion
taken without Your knowledge including on the beach or beside                   and or ongoing combustion of nuclear fuel; or the
the pool while You swim, leaving it a distance where You are                    radioactive, toxic, explosive or other hazardous properties
unable to prevent it from being unlawfully taken.                               of any nuclear equipment or component there of.
War means war, whether declared or not, or any warlike                  C9.     The dispersal or application of pathogenic or poisonous
activities, including use of military force by any sovereign nation             biological or chemical materials; or
to achieve economic, geographic, nationalistic, political, racial,
religious or other ends.                                                        The release of pathogenic or poisonous biological
                                                                                or chemical materials.
We, Our, Us means AIG Australia Limited (AIG)
ABN 93 004 727 753 AFSL 381686.                                         C10.    Any claim if You are not a permanent resident in
                                                                                Australia or if You do not plan to return to live in
You, Your, Yourself means the person or persons named on                        Australia at the end of Your Trip.
the Certificate of Insurance, including Your financially dependent
children or grandchildren all under 25 years of age who travel          C11.    Parachuting, BASE jumping, sky diving or travel in any
with You.                                                                       other air supported device other than as a passenger
                                                                                in a licensed passenger aircraft operated by an airline
                                                                                or charter company. This does not apply to hot air
                                                                                ballooning or parasailing.

                                  20                                                                     21
C12.   Any loss, consequential loss or liability arising directly     C22.    Any claim where You have failed to follow the advice or
       or indirectly out of any failure, malfunction, breakdown,              instruction of Us, or Travel Guard™, such as when You
       inability to perform normal functions or interruption of               refuse to come back to Australia when Travel Guard™
       operation of any computer hardware, integrated circuit,                considered You were fit to return home.
       operating system, application, software, electronic
                                                                      C23.    Any consequential loss, whether financial or non-
       equipment, computer chip, programmed or embedded
                                                                              financial, including but not limited to any legal or other
       logic control system or similar device being affected
                                                                              professional costs and/or travel expenses arising directly
       due to date based functionality or performance being
                                                                              or indirectly out of any claim made by You under this
       affected by the use of any date format.
                                                                              policy.
C13.   Travelling against medical advice or for the purpose
       of obtaining medical advice or treatment or if a terminal
       or malignant prognosis was given before You applied            D) Cancellation fees and lost deposits
       for this insurance.                                            You may have to pay an excess for each problem or incident
C14.   Diving underwater using an artificial breathing apparatus      You claim for under this Section. See Section A3 for details.
       unless You hold an open water diving licence or You            If You make a claim You will be required to give Us things like
       were diving under licensed instruction.                        reports or a certificate from the doctor who treated You to show
C15.   You operating a Motor Cycle without You holding                that Your claim is necessary.
       a valid licence for the country the Motor Cycle is being
       operated in.                                                   What is covered
C16.   A government authority seizing, withholding or                 D1.     The cost of cancellation fees and lost deposits on
       destroying anything of Yours or any prohibition by                     prepaid tickets and bookings (other than tickets
       or regulation or intervention of any government.                       purchased using frequent flyer or similar points, cover
                                                                              for which is detailed under D5) that You cannot claim
C17.   The refusal, failure or inability of any person, company               from anyone else if Your Trip is shortened or cancelled
       or organization, including but not limited to any airline,             because of something unexpected and outside Your
       other transportation provider, hotel, car rental agency,               control or the reasonable cost of rearranging Your
       tour or cruise operator, travel wholesaler, booking agent              travel because of something unexpected and outside
       or other provider of travel or tourism related services,               Your control, provided this cost is not greater than the
       facilities or accommodation, to provide services, facilities           cancellation fees or lost deposits which would have been
       or accommodation, by reason of their own Financial                     incurred if the Trip had been cancelled.
       Default or the Financial Default of any person,
       company or organisation with whom or with which they           D2.     If We pay a claim under E4 or G2 then You cannot claim
       deal, unless otherwise provided under section L.                       for unused non-refundable tickets that are for the return
                                                                              Trip to Australia.
C18.   Any loss, injury, damage or legal liability sustained
       directly or indirectly by You if You are:                      D3.     The cost of cancellation fees and lost deposits on
       (i) a terrorist;                                                       prepaid tickets and bookings (other than tickets
       (ii) a member of a terrorist organization;                             purchased using frequent flyer or similar points, cover
       (iii) a narcotics trafficker; or                                       for which is detailed under D5) that You cannot claim
       (iv) a purveyor of nuclear, chemical or biological                     from any one else, if Your travel is cancelled prior to the
             weapons.                                                         commencement of Your Trip because Your annual leave
                                                                              is cancelled by Your employer after You have booked
C19.   Any loss, injury, damage or legal liability arising directly           Your holiday, provided that:
       or indirectly from travel in, to or through Afghanistan,
       Cuba, Democratic Republic of Congo, Iran, Iraq,                        a) You are a full time employee of armed forces,
       Liberia, Sudan, or Syria.                                                 police, fire or ambulance services; and;

C20.    Any claim arising from errors or omissions in Your              b) Your employer has to cancel Your leave:
       booking arrangements by You, Your travel agent or any          		 (i) so You can attend an unforeseen emergency; or
       other person acting on Your behalf.                            		 (ii) to relocate You overseas unexpectedly.

C21.   Any costs which You would have been expected to pay                    The maximum We will pay under Section D3 is $1,000.
       had the reason for the claim not occurred (for example,
       the cost of food which You would have paid for in any
       case).

                                22                                                                    23
What is not covered
                                                                    Losses, liability or expenses that are for, related to or as a result of:
                                                                    D6.      Any Existing Health Disorder unless agreed to by Us
                                                                             in writing. See Section B for details.
                                                                    D7.      Any medical or dental problem of Yours which You told
                                                                             Us about when You took out this insurance and We told
                                                                             You We would not cover.
                                                                    D8.      You not taking precaution to avoid a claim after there
                                                                             was a warning in the mass media of a strike, riot or bad
                                                                             weather or other circumstances.
                                                                    D9.      A change of plans because You or Your Travelling
                                                                             Companion change Your mind and decide not to
                                                                             proceed with Your original Trip.
                                                                    D10.     Claims arising from Your business (other than severe
                                                                             damage to Your business premises) or employment,
                                                                             including but not limited to, not being able to take leave
                                                                             from that employment. This exclusion will not apply to
D4.   Non-recoverable Fees You have been charged by Your                     You being involuntarily retrenched from Your usual full
      Travel Agent up to $4,000, but We will not pay more                    time employment in Australia nor will it apply to benefits
      than the loss of the normal remuneration available to                  available under Section D3.
      the agent had the Trip gone ahead as planned.
                                                                    D11.     You not complying with what Your ticket conditions require.
D5.   Where an airline ticket was purchased using frequent
      flyer or similar air points, We will pay You for frequent     D12.     Tours being cancelled because there were not enough
      flyer or similar air points lost following cancellation of             people to go. This does not apply in relation to pre paid
      Your air ticket.                                                       travel arrangements purchased separately to get to and/
                                                                             or from Your destination.
      The amount payable will be calculated as follows:
                                                                    D13.     You knowingly making travel arrangements through
      If the airline will not refund Your points, We will refund             an unlicensed travel agent.
      to You the cost of the equivalent class air ticket based on
      the quoted retail price at the time the ticket was issued.    D14.     Cancellation, delays or rescheduling caused by Your
                                                                             Transport Provider.
      If the airline will only refund a portion of Your points,
      We will refund to You the cost of the equivalent class air    D15.     Mechanical breakdown of any means of transport.
      ticket based on the quoted retail price at the time the       D16.     The death, injury or illness of any Relative who is not
      ticket was issued, less the value of the portion of Your               residing in Australia or New Zealand.
      points refunded back to You.
                                                                    D17.     The government of any country not allowing You to enter
      For this benefit to become payable:                                    or stay in that country.
      a) the reason for cancellation must be covered under          D18.     Pregnancy, or childbirth except for:
         this Section of the policy, and                                     (i) related complications before the 26th week
      b) the loss of such points cannot be recovered from                         of pregnancy, or
         any other source.                                                   (ii) childbirth before the 26th week of pregnancy which
                                                                                  was accelerated by accidental Injury.
      c) before You submit a claim under this section You
         must first request the airline refund Your points.         D19.     Using a hospital for addiction treatment or as a nursing,
                                                                             convalescent or rehabilitation place.
                                                                    D20.     Your suicide, attempted suicide or intentional self injury.
                                                                    D21.     Sexually transmitted diseases of any sort, Acquired
                                                                             Immune Deficiency Syndrome (AIDS) or AIDS related
                                                                             complex (ARC) or Human Immunodeficiency Virus (HIV).

                               24                                                                      25
D22.    The cost of a return ticket if You have not purchased a        E3a.     Up to $2,000 for emergency overseas dental expenses
        return air ticket to Australia. We will deduct from Your                incurred following an injury to sound and natural teeth
        claim the cost of the fare between Your last intended                   caused solely and directly by external and visible means
        place of departure to Australia, at the same cabin class                as a result of an accident and which does not result
        as Your initial departure fare.                                         from an illness or disease, but not treatment that can
                                                                                be delayed until You return to Australia.
D23.    Any Terrorist Act or any loss arising out of the intentional
        use of military force to intercept, prevent, or mitigate any   E3b.     Up to $500 for emergency dental costs for relief of
        known or suspected Terrorist Act.                                       sudden and acute pain given or prescribed by a legally
                                                                                qualified practitioner and necessarily incurred outside
D24.    The non-refundable unused portion of travel or
                                                                                Australia.
        accommodation arrangements where alternative travel
        or accommodation is paid for by Us as part of a claim          E4.      The cost of moving You to another country or to bring
        under this Policy. This exclusion will not apply where the              You home to Australia. If You want to move and want
        unused portion of the accommodation arrangements                        Us to pay for it, You must contact Us first and get Our
        result directly from the hospitalisation or death of You                agreement. At Our discretion, We will decide on which
        or Your Travelling Companion, and are agreed by Us.                     action to take subject to medical constraints and as agreed
                                                                                by Our medical adviser. If We bring You home to Australia
D25.    See also Section C.
                                                                                We will use Your return ticket towards Our costs.
                                                                       E5.      Additional Accommodation, Meal and Travelling
E) Overseas medical, hospital, cash in                                          Expenses of Your Travelling Companion or Relative if
   hospital, dental and related expenses                                        We agree with Your doctor that a Travelling Companion
                                                                                or Relative must travel to see You, or stay with You until
You may have to pay an excess for each injury or illness You                    You are able to resume Your Trip, or escort You home.
claim for under this Section except for E2 and E6 unless You
                                                                       E6.      Funeral expenses if You die while overseas. We will pay
have paid the Excess Eliminator. See A3 for details.
                                                                                the cost incurred overseas for a funeral or cremation
                                                                                and the return of Your remains to Australia - but the
What is covered
                                                                                most We will pay is $20,000.
E1.     Necessary overseas medical and hospital expenses You
        have to pay as a result of an injury or illness (including     What is not covered
        injury arising from a Terrorist Act subject to policy terms
                                                                       Losses, liability or expenses that are for, related to or as a result of:
        and exclusions including C9) which first occurs or
        becomes apparent after the issue date of Your Certificate      E7.      Any Existing Health Disorder unless agreed to by Us
        of Insurance. All medical treatments must be provided                   in writing. See Section B for details.
        by a legally qualified medical practitioner.                   E8.      The replenishment of any medication in use at the time
        We will pay up to 12 months from the time You first                     of applying for this insurance or for the maintenance of
        received treatment for the injury or illness.                           any form of treatment commenced before then.
E2.     If You are hospitalised overseas for more than 48 hours        E9.      Any medical or dental problem of Yours which You told
        We will also pay $50 for each 24 hour period You are in                 Us about when You took out this insurance and We told
        hospital from the first day of hospitalisation.                         You We would not cover it.
                                                                       E10.     Medical, hospital, dental or any ancillary benefits
                                                                                expenses incurred in Australia or for which We are
                                                                                prevented from paying by reason of any statutory
                                                                                legislation or government regulation OR Expenses
                                                                                incurred for dental treatment due to normal wear and
                                                                                tear or the normal maintenance of dental health.
                                                                       E11.     Medical, hospital, dental or any ancillary benefits
                                                                                expenses incurred more than 12 months from the time
                                                                                You first received treatment for the injury or illness.
                                                                       E12.     Any claim for which You are entitled to receive
                                                                                reimbursement from workers compensation or other
                                                                                statutory scheme or private health insurance.

                                26                                                                        27
E13.    Pregnancy, or childbirth except for:                                 The limit for any specified item may be increased to
        (i) related complications before the 26th week                       $4,000 with a maximum for all specified items of
             of pregnancy, or                                                $8,000.You must have paid the appropriate additional
        (ii) childbirth before the 26th week of pregnancy which              premium and in the event of any claim can show Us in
             was accelerated by accidental Injury.                           support of Your claim a receipt or valuation issued in the
                                                                             twelve months before the commencement of Your Trip.
E14.    Using a hospital for addiction treatment or as a nursing,
        convalescent or rehabilitation place.                          F3.   Luggage left in a motor vehicle is only covered during
                                                                             daylight hours if it is locked in the boot or locked
E15.    Your suicide, attempted suicide or intentional self injury.
                                                                             luggage compartment and forced entry was gained.
E16.    Sexually transmitted diseases of any sort, Acquired
                                                                             No cover applies if left Unattended in the passenger
        Immune Deficiency Syndrome (AIDS) or AIDS related
                                                                             compartment or overnight in the motor vehicle, nor does
        complex (ARC) or Human Immunodeficiency Virus (HIV).
                                                                             cover apply to mobile phones, computer equipment, or
E17.    The cost of a return ticket if You have not purchased a              jewellery items left Unattended in a motor vehicle at any
        return air ticket to Australia. We will deduct from Your             time.
        claim the cost of the fare between Your last intended
                                                                       F4.   If Your travel documents, credit cards or travellers
        place of departure to Australia, at the same cabin class
                                                                             cheques carried with You are lost or illegally used by
        as Your initial departure fare.
                                                                             someone other than You, Your Relative or Travelling
E18.    See also Section C.                                                  Companion, We pay any amounts You have to pay
                                                                             to replace them or resulting from their fraudulent use.
                                                                             The maximum We will pay is $3,000.
F) Luggage and Personal Money                                          F5.   If You have to buy essential clothing and personal items
You may have to pay an excess for each incident You claim for                overseas because Luggage carried by Your Transport
under this Section except F4 and F5 unless You have paid the                 Provider overseas is delayed by more than 10 hours, We
Excess Eliminator. See A3 for details.                                       will pay up to $300 per Trip. Receipts must be provided
                                                                             as proof of purchase of such items and be dated prior
What is covered                                                              to the date of recovery of Your delayed Luggage. The
F1.     We will pay for the repair cost or loss in cash of any               amount paid by Us will be deducted from any Luggage
        Luggage You lose or which is stolen or damaged after                 claim payable under F1.
        allowing for depreciation that We think is reasonable.         F6.   Following a loss under this policy section We will allow
        At Our sole discretion We also have the option to repair             on settlement one automatic reinstatement of the sum
        or replace the Luggage.                                              insured.

F2.     Payment will not exceed the original price You paid. The       F7.   If Your golf or snow skiing equipment is lost, delayed
        most We will pay for each item depending on the plan                 or damaged while on the Trip (other than whilst in use),
        You have selected is:                                                We will pay the necessary cost of hiring replacement
        A pair or set of items is treated as one item (e.g. a pair           equipment up to the amount of $100. Any claim must
        of earrings, a camera body and its standard lens and                 be supported by receipts.
        accessories, or a set of golf clubs).                          F8.   If Your personal money is accidentally lost or stolen
                                                                             whilst overseas, then We will pay the value of this
 PLAN                                                                        personal money up to $500 per Trip.
                                          International   Domestic           For the purpose of this section, personal money means
                                           Travel Plans Travel Plans         cash which is carried as hand luggage or on Your
 Camera, video camera, laptop computer                                       person unless secured in a safe or strong-room where
 equipment and set of golf clubs             $3,000        $500              available, otherwise out of sight in a locked private
 Dental prostheses (including dentures)      $1,000         N/A
                                                                             residence or room.

 Each other item                              $600         $500              It is the responsibility of the Insured Person to provide
                                                                             proof of ownership of any accidentally lost or stolen
                                                                             personal money and We are under no obligation to
                                                                             make payment without this proof of ownership.

                                 28                                                                  29
What is not covered                                                    G) Emergency expenses
F9.    Furniture.
                                                                       You may have to pay an excess for each incident You claim
F10.   Items for trade, trade samples or Your tools of trade           under this Section except G5 unless You have paid the Excess
       or profession.                                                  Eliminator. See A3 for details.
F11.   Brittle or fragile items, glassware, china, ceramics,
       pottery etc or an electronic component that becomes             What is covered
       broken or scratched unless it is:                               G1.    Your Additional Accommodation Meal and Travelling
       • the lens of spectacles, laptop computers, binoculars,                 expenses including emergency personal telephone
           photographic or video equipment.                                    calls.
       • a breakage or scratch caused by an accident                          If Your Trip is disrupted because of:
           involving any vehicle You were travelling in.                      • Your passport or travel documents being lost or stolen
F12.   The loss of Your travel documents, credit cards or travellers          • You innocently breaking any quarantine regulation
       cheques if You do not report it immediately to the                     • natural disaster, severe weather conditions
       company that issued them and follow their instructions.                • serious damage to Your home or business premises
                                                                                  in Australia
F13.   Negotiable items, gold or precious metals, precious
                                                                              • Your treating doctor certifying that You or Your
       unset or uncut gemstones.
                                                                                  Travelling Companion are unfit to continue with Your
F14.   Luggage that You leave Unattended or with someone                          original itinerary or an amended itinerary
       You do not know looking after it.                                      • an accident involving Your means of transport
F15.   Luggage left in a motor vehicle unless it is locked in the             • cancellation, delay or diversion of Your scheduled
       boot or locked luggage compartment or any Luggage                          transport caused by riot, strike, civil commotion,
       left overnight in a motor vehicle even if it is in the locked              - but only those expenses You cannot claim from
       boot or locked luggage compartment.                                        someone else.

F16.   Mobile phones, computer equipment, or jewellery left            G2.    Your Additional Accommodation Meal and Travelling
       Unattended in a motor vehicle at any time.                             Expenses, including emergency personal telephone
                                                                              calls to return You to Your home in Australia.
F17.   Luggage that You send or leave somewhere else and
       which won’t be travelling with You on Your Trip.                       If unexpectedly there is a death or sudden Serious Injury
                                                                              or Illness involving:
F18.   Sporting equipment, including surfboards, snowboards,
       sailboards and boogie boards, while You are using them.                • You, Your Relative or Travelling Companion or their
                                                                                Relative in Australia or New Zealand, or
F19.   Electrical or mechanical breakdown.
                                                                              • Your close business associate in Australia.
F20.   Normal wear and tear, deterioration or losses caused
                                                                              We will also pay Your transport costs to resume Your
       by atmospheric or climatic conditions, mould or fungus,
                                                                              original overseas Trip if You rejoin it within 60 days of
       insects, rodents, vermin or any process of cleaning,
                                                                              returning to Australia or New Zealand. The most We will
       ironing, repairing, restoring or alteration.
                                                                              pay is $3,000.
F21.   The cost of consultation fees to replace prescription
                                                                       G3.    Expenses in Sections G2 can only be incurred with Our
       medication.
                                                                              consent and You must provide Us with a letter from
F22.   Loss of Luggage not reported to the Transport Provider,                the treating doctor to support Your claim that it was
       police, hotel or appropriate authority within 24 hours of              medically necessary or the condition of the other person
       You becoming aware of the loss and where no written                    was serious enough to warrant Your early return home.
       report is obtained.
                                                                       Travel Delay
F23.   Loss of value of money, or shortages of money caused
                                                                       G4.    If Your scheduled transport is delayed for at least ten
       by mistakes of any person.
                                                                              hours for reasons outside Your control and You cannot
F24.   Losses due to devaluation or depreciation of currency.                 claim the expenses from anyone else, We will pay
F25.   Personal money not carried as hand luggage or on Your                  for Your expenses up to $300 for each day the delay
       person unless secured in a safe or strong-room where                   continues but if You claim this Benefit We will not pay for
       available, otherwise out of sight in a locked private                  accommodation, meal and travelling expenses
       residence or room.                                                     in Section G1.

F26.   See also Section C.
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