CHANGES TO COMPLIMENTARY INSURANCES

CHANGES TO COMPLIMENTARY
INSURANCES


We are writing to let you know that Allianz Global Assistance
are making changes to the Premium Cards - Insurances,
Insurance Policy Information booklet effective from 2 October
2019. You are receiving this notification because you have one
of the following products:
• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer Black
• ANZ Rewards Platinum
• ANZ Rewards Travel Adventures
• ANZ Rewards Black
• ANZ Platinum
• ANZ Low Rate Platinum

WHAT IS CHANGING?
A summary of changes to the Premium Cards - Insurances,
Insurance Policy Information booklet is detailed in this booklet.
However, we also encourage you to read the new Premium
Cards - Insurances, Insurance Policy Information booklet
effective from 2 October 2019 available at anz.com/allianz for
details of the changes.
The changes include the correction of some errors in the
Tables of Benefits section of the booklet for Overseas Travel
and Medical Insurance which have now been updated to set
out the maximum limits of what Allianz Global Assistance will
pay in the event of a successful eligible claim. Overseas Travel
and Medical Insurance has been renamed International Travel
Insurance in the replacement booklet.
Allianz Global Assistance processes which may impact how
eligibility for cover is assessed are also changing and may
continue to change from time to time. Please note that not all
Pre-Existing Medical Conditions are covered by International
Travel Insurance. Each time you travel, you will need to meet
the eligibility criteria and apply for confirmation of cover before
going overseas for any pre-existing medical conditions you
have, not listed in the Premium Cards - Insurances, Insurance
Policy Information booklet.

WHAT DOES THIS MEAN FOR ME?
You should review the changes to the Premium Cards -
Insurances, Insurance Policy Information booklet and consider
if the cover suits your needs, financial situation and objectives.
If the event causing your claim occurs before 2 October 2019,
ANZ Premium Cards - Insurances, Insurance Policy Information
Booklet with effective date of 11 April 2018 will contain the
eligibility criteria, terms, conditions, limits and exclusions for
the relevant claim. If the event causing your claim occurs on
or after 2 October 2019, ANZ Premium Cards - Insurances,
Insurance Policy Information Booklet with effective date of
2 October 2019 will contain the eligibility criteria, terms,
conditions, limits and exclusions for the relevant claim1.




2
WANT TO FIND OUT MORE?
If you have any questions about the changes to the Premium
Cards - Insurances, Insurance Policy Information booklet please
visit anz.com/allianz or call Allianz Global Assistance on 1300
135 271.
If you feel your ANZ credit card account is no longer the most
suitable product for you, ANZ has a range of products available.
Thank you for making ANZ your bank. We look forward to
continuing to serve you in the future.


Kind regards,
ANZ Credit Cards & Personal Lending Team




Important Information:
Complimentary insurances: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL
245631(trading as Allianz Global Assistance) under a binder from the insurer,
Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has
issued a Group Policy to Australia and New Zealand Banking Group Limited
(ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which
allow eligible ANZ account holders and cardholders to claim under the
Group Policy as third party beneficiaries.
If the event causing your claim occurs before 2 October 2019, the Premium
Cards – Insurances, Insurance Policy Information booklet with effective date
of 11 April 2018 will contain the eligibility criteria, terms, conditions, limits and
exclusions for the relevant claim. If the event causing your claim occurs on
or after 2 October 2019, the Premium Cards – Insurances, Insurance Policy
Information booklet with effective date of 2 October 2019 at anz.com/allianz
will contain the eligibility criteria, terms, conditions, limits and exclusions for
the relevant claim and which may be amended from time to time.
ANZ does not guarantee this insurance. Any advice has been prepared
without taking into account your objectives, financial situation or needs.
You must check whether or not it is appropriate, in light of your own
circumstances, to act on this advice.
1. Eligibility criteria, terms, conditions, limits and exclusions for claims may
change from time to time. ANZ does not guarantee this insurance.



                                                                                   3
The below table provides an overview of the changes to
the Premium Cards Insurances, Policy Information booklet.
All changes are effective 2 October 2019 unless otherwise
specified.

Section/          What is changing?                  Booklet
Clause                                               reference

Contents and     The contents of the booklet
structure        is now set out within the
                 following sections:
                 Important Information About         Page 7-19
                 the Complimentary Covers
                 Provided
                 Part A - Eligibility & Activation   Page 20-23
                 of Cover
                 Part B – Period of Cover            Page 24-26
                 Part C – Tables of Benefits         Page 27-37
                 Part D – Excesses and General       Page 38-41
                 Exclusions
                 Part E – The cover we provide       Page 42-88
                 Claims                              Page 89-92
                 Complaints & Disputes               Page 93
                 General Insurance Code of           Page 93
                 Practice

Important        We have consolidated the       Page 7
information      previous individual Overseas
about the        travel and medical insurance,
cover provided   Transport Accident cover,
                 Rental Excess cover, 90 Day
                 Purchase Security, Extended
                 Warranty, Best Price Guarantee
                 and Interstate Flight
                 Inconvenience Insurance
                 policies into one Group Policy
                 to remove repeated content.




4
Section/        What is changing?               Booklet
Clause                                          reference

Privacy        The Privacy notice content     Page 9
               has been updated to reflect
               current legislation and remove
               duplication.

                          Definitions
Definitions have been updated so that all definitions used
are listed in the one section. Repetitive content has been
removed, certain definitions have been deleted, others
re-written and definitions added where there is a perceived
need to improve clarity and understanding of the terms and
conditions of the covers provided.

Deleted        The following definitions have
Definitions    been deleted:
               Applicable limit(s)
               Claims procedures
               Carrier
               Transport
               Electronic equipment
               Medically necessary
               Personal computer
               Point of arrival
               Point of departure
               Repatriate(d) or repatriation
               Schedule of Benefits
               Scheduled public transport
               Terrorist act
               Total permanent disability




                                                              5
Section/       What is changing?             Booklet
Clause                                       reference

Inserted new   The following new definitions Page 12-19
Definitions    have been added:
               • ANZ
               • card
               • chronic
               • concealed storage
                 compartment
               • covered breakdown
               • covered item
               • dangerous activities
               • excess
               • funeral expenses
               • hospital
               • interstate flight
               • journey
               • loss of (in respect of
                 Transport Accident Insurance)
               • manufacturer’s warranty
               • medical adviser
               • medical expenses
               • motorcycle
               • natural disaster
               • public place
               • quad bike
               • reasonable (in respect of
                 expenses incurred)
               • Reciprocal Health Care
                 Agreement
               • return overseas travel ticket
               • sick or sickness
               • special event (in respect
                 to section 3.3 Alternative
                 Transport Expenses)
               • sporting equipment
               • transaction card
               • unlimited
               • valuables




6
Section/     What is changing?                 Booklet
Clause                                         reference

Change of    The definition of primary          Page 12
Definition   cardholder has been replaced
             with:
             accountholder means an ANZ
             customer, being an individual,
             business entity or company,
             who has entered into a card
             account with ANZ and in
             whose name the card account
             was opened. The account
             holder is the individual, business
             entity or company that has
             contractual obligations with
             ANZ under the card account.

             The definition of participating Page 12
             card account has been
             replaced with:
             card account means:
             a current and valid ANZ card
             facility provided by ANZ to
             which purchases made by
             cardholders on an ANZ card
             are charged; or
             the primary account linked
             to an ANZ card to which a
             transaction is routed by any
             electronic funds transfer facility.

             The definition of participating Page 13
             cardholder has been replaced
             with:
             cardholder means a person
             who permanently resides in
             Australia (including holders
             of a visa issued under the
             Migration Act 1958 (Cth)
             which entitles the holder
             of the visa to residency) to
             whom ANZ has issued an ANZ
             card (this includes primary
             and secondary cardholders).

                                                           7
Section/   What is changing?                     Booklet
Clause                                           reference

           Scheduled public transport            Page 13
           and Carrier(s) definitions have
           been replaced with:
           conveyance means and
           aircraft, vehicle, taxi, train, bus
           or short- haul ferry (but not
           a cruise ship) that is licensed
           or authorised to carry fare-
           paying passengers.

           Definition of child or children Page 14
           has been replaced with:
           dependant means your child,
           step child, foster child, grand
           child or ward not in full-time
           employment who is aged 24
           years or under at the time that
           their eligibility for cover is met.

           The definition of Home in       Page 14
           Australia has been replaced
           with:
           home means the place where
           you normally live in Australia.

           The definition of injury has      Page 14
           been replaced with:
           injure or injured or injury
           means bodily injury caused
           solely and directly by
           violent, accidental, visible
           and external means, which
           happens at a definite time and
           place during your period of
           cover and does not result from
           any illness, sickness or disease.




8
Section/   What is changing?                 Booklet
Clause                                       reference

           The definition of financial     Page 15
           default has been replaced
           with:
           Insolvency or Insolvent
           means bankruptcy,
           provisional liquidation,
           liquidation, 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.

           The definition of Existing         Page 16
           Medical Condition has been
           replaced with:
           pre-existing medical
           condition means any
           condition, including but not
           limited to pregnancy, mental
           illness, anxiety, alcoholism,
           drug addiction or substance
           addiction and/or any chronic
           or ongoing physical, medical,
           mental or dental condition,
           which you or a reasonable
           person in your circumstances
           should have been aware of or
           become aware of, or for which
           investigation, treatment or
           advice has been sought
           or received, or medication
           prescribed or taken:
           •	at any time before you
              obtained your return
              overseas travel ticket for
              the cover provided under
              International Travel Insurance;

                                                         9
Section/   What is changing?                Booklet
Clause                                      reference

           •	at any time before you
              obtained your interstate
              flight ticket for the cover
              provided under Interstate
              Flight Inconvenience
              Insurance; and
           •	any complication arising
              from any such condition
              outlined above, except
              that any unexpected or
              unforeseen complication
              arising from your pre-
              existing pregnancy is not
              considered to be a pre-
              existing medical condition.

           The definition of professional Page 17
           sporting activity has been
           replaced with:
           professional sport means
           training for, coaching or
           competing in any sporting
           event where you are entitled
           to receive, or are eligible to
           receive, an appearance fee,
           wage, salary or prize money in
           excess of $1,000.

           The definition of travelling    Page 18
           party has been replaced with:
           travel companion means a
           person with whom you made
           arrangements before the
           journey began, to travel with
           you for at least fifty per cent
           (50%) of the period of cover
           provided for your journey.




10
Section/          What is changing?               Booklet
Clause                                            reference

                  The definition of unattended Page 18
                  has been replaced with:
                  unsupervised means leaving
                  your covered items or
                  valuables:
                  a) with a person who is not a
                      travel companion or who is
                      not a relative; or
                  b)	with a person who is a
                      travel companion or who
                      is a relative but who fails to
                      keep your covered items
                      or valuables under close
                      supervision; or
                  c)	where they can be taken
                      without your knowledge;
                  or
                  d)	at such a distance from
                      you that you are unable to
                      prevent them being taken;
                      and
                  includes forgetting or
                  misplacing items of your
                  covered items or valuables,
                  leaving them behind or
                  walking away from them.

                  The definition of trip has been Page 18
                  replaced with:
                  trip means an overseas
                  passage by the cardholder
                  and their spouse and/
                  or dependants as paying
                  passengers on a conveyance.

Part A -          Defines who is eligible for    Page 20-23
Eligibility &     the complimentary insurance
Activation of     covers.
Cover

Part B - Period   Provides the period of         Page 24-26
of Cover          insurance cover provided.


                                                            11
Section/          What is changing?                Booklet
Clause                                             reference

Part C - Table of We have separated the table      Page 27-37
Benefits          of benefits for each cover and
                  expanded the description of
                  how the limits are applied to
                  make it easier to understand.

Part D –         An excess is the amount you Page 38-41
Excesses         contribute to a claim and
and General      this section tells you how
Exclusions       and when an excess will be
                 applied to a claim you make.
                 General exclusions set out
                 what is not covered.
                 Please note you should also
                 read each section of PART
                 E - THE COVERS WE PROVIDE Page 42-92
                 as they contain specific
                 exclusions that also apply.

The general exclusion 1 in the previous Travel     Page 40
Master Policy has been replaced with:
2. you booking travel or travelling against
medical advice, travel for the purpose of
getting medical treatment or advice, or travel
after a medical adviser informs you that you
are terminally ill;




12
Section/         What is changing?               Booklet
Clause                                           reference

The general exclusion 2 and 3 in the previous    Page 50
Travel Master Policy has been deleted.
Refer to PART E – THE COVER WE PROVIDE
under INTERNATIONAL TRAVEL INSURANCE
in section 1.2.1 WHAT WE COVER Overseas
medical expenses due to covered pre-existing
medical condition
b) If, while overseas during the period of
cover provided for your journey, you require
medical or hospital treatment for a pre-
existing medical condition which Allianz
Global Assistance has confirmed cover for
in writing, or for which cover is provided as
specified in the section headed PRE-EXISTING
MEDICAL CONDITIONS, we will reimburse you
for the medical expenses you incur except
for the cost of medication you were on or
the cost of a course of treatment you were
receiving at the time your journey began.

The general exclusion 4 in the previous Travel   Page 16
Master Policy has been deleted.
Refer to the definition of mental illness and
pre-existing medical condition.

The general exclusion 5 in the previous Travel   Page 16
Master Policy has been deleted.
Refer to the definition of pre-existing
medical condition.




                                                           13
Section/           What is changing?                  Booklet
Clause                                                reference

 The general exclusion 6 in the previous Travel       Page 40
 Master Policy has been replaced with:
 5. regular ante natal care or any expense arising:
 •	from childbirth at any gestation (except
    when arising from an injury or sickness);
 •	from care of a newborn child;
 •	after the end of the twenty sixth (26th)
    week of your pregnancy (the twenty sixth
    (26th) week of your pregnancy is calculated
    based on your estimated date of delivery as
    confirmed in writing by your obstetrician);
 •	from pregnancy related sickness if you
    have had complications in your pregnancy
    before you became eligible for cover, or
    complications in any previous pregnancy;
 •	from pregnancy related sickness if you
    used artificial reproductive techniques
    (including IVF) to conceive your pregnancy
    before you became eligible for cover;

 The general exclusion 7 in the previous Travel       Page 14
 Master Policy has been deleted.
 Refer to the definition of hospital.

 The general exclusion 8 in the previous Travel       Page 17
 Master Policy has been deleted.
 Refer to the definition of reasonable.

 The general exclusion 9 in the previous Travel       Page 41
 Master Policy has been replaced with:
 13. the injury, illness or death of any person
 (who is not a travel companion) who is aged
 80 years or over at the time you become
 eligible for cover under International Travel
 Insurance.




14
Section/            What is changing?                   Booklet
Clause                                                  reference

The general exclusion 10 in the previous                Page 57
Travel Master Policy has been deleted.
Refer to PART E – THE COVER WE PROVIDE
under INTERNATIONAL TRAVEL INSURANCE
in section 2.1.2 WHAT WE EXCLUDE
b) caused by you or your travel companion
changing plans.

The general exclusion 11 (a), (e), (g), (h), (i), (j)   Page 40
in the previous Travel Master Policy has been
replaced with:
8. your participation in any dangerous
activities.

The general exclusion 11 (b) in the previous            Page 40
Travel Master Policy has been replaced with:
3. your intentional self harm or your suicide
or your attempted suicide.

The general exclusion 11 (c) in the previous            Page 40
Travel Master Policy has been replaced with:
4. your intoxication or the effect of or your
chronic use of alcohol or drugs or any
transmissible disease as a result of giving or
taking a drug, unless the use of the drug is
supervised by a medical adviser.

The general exclusion 11 (d) in the previous            Page 52
Travel Master Policy has been deleted.
Refer to PART E – THE COVER WE PROVIDE
under INTERNATIONAL TRAVEL INSURANCE
in section 1.2.2 WHAT WE EXCLUDE
j) arising from the treatment of sexually
transmissible diseases.




                                                                  15
Section/           What is changing?                 Booklet
Clause                                               reference

 The general exclusion 11 (f ) in the previous       Page 74
 Travel Master Policy has been deleted.
 Refer to PART E – THE COVER WE PROVIDE
 under INTERNATIONAL TRAVEL INSURANCE
 in section 6.1.2 WHAT WE EXCLUDE
 j) assault and/or battery committed by you or
 at your direction;
 k) any act intended to cause bodily injury,
 property damage or liability done by you
 or any person acting with your knowledge,
 connivance or consent.

 The general exclusion 11 (k) and (l) in the         Page 41
 previous Travel Master Policy has been
 replaced with:
 9. your participation in any activities involving
 a quad-bike or motorcycle during your
 journey unless it involves you only driving
 a motorcycle with an engine capacity of
 250cc or less for which you hold a current
 motorcycle licence.

 The general exclusion 12 and 13 in the              Page 52
 previous Travel Master Policy has been
 deleted.
 Refer to PART E – THE COVER WE PROVIDE
 under INTERNATIONAL TRAVEL INSURANCE
 in section 1.2.2 WHAT WE EXCLUDE
 i) any payment which would result in us
 contravening the Health Insurance Act 1973
 (Cth), the Private Health Insurance Act 2007
 (Cth) or the National Health Act 1953 (Cth) or
 any other applicable legislation (whether in
 Australia or not).

 The general exclusion 14 in the previous            Page 41
 Travel Master Policy has been replaced with:
 19. biological and/or chemical materials,
 substances, compounds or the like used
 directly or indirectly for the purpose of
 harming or to destroy human life and/or
 create public fear.
16
Section/         What is changing?                 Booklet
Clause                                             reference

The general exclusion 15 in the previous           Page 39
Travel Master Policy has been replaced with:
1. your claim is for consequential loss of any
kind including loss of enjoyment.

The general exclusion 16 in the previous           Page 41
Travel Master Policy has been replaced with:
10. deliberate acts or illegal or criminal acts
by you, or any other person acting with your
consent or under your direction.

The general exclusion 17 in the previous           Page 41
Travel Master Policy has been replaced with:
17. any act of war, whether war is declared
or not, or from any rebellion, revolution,
insurrection or taking of power by the military.

The general exclusion 18 in the previous           Page 41
Travel Master Policy has been replaced with:
18. a nuclear reaction or contamination from
nuclear weapons or radioactivity.

The general exclusion 19 in the previous           Page 41
Travel Master Policy has been replaced with:
14. any interference with your travel plans
by any government, government regulation
or prohibition or intervention or official
authority.

The general exclusion 20 in the previous           Page 68
Travel Master Policy has been deleted.
Refer to PART E – THE COVER WE PROVIDE
under INTERNATIONAL TRAVEL INSURANCE
in section 4.1.2 WHAT WE EXCLUDE
g) your claim arises from a government
authority confiscating, detaining or destroying
anything.




                                                             17
Section/           What is changing?                Booklet
Clause                                              reference

 The general exclusion 21 in the previous
 Travel Master Policy has been deleted.
 Refer to PART E – THE COVER WE PROVIDE
 under INTERNATIONAL TRAVEL INSURANCE
 in section:
 2.1.2 WHAT WE EXCLUDE e) caused by an act          Page 58
 or threat of terrorism.
 3.2.2 WHAT WE EXCLUDE a) from an act or            Page 61
 threat of terrorism.
 3.3.2 WHAT WE EXCLUDE a) due to an act or          Page 62
 threat of terrorism.
 3.5.2 WHAT WE EXCLUDE To the extent                Page 63
 permitted by law we will not pay if your delay
 is due to an act or threat of terrorism.
 3.8.2 WHAT WE EXCLUDE e) due to an act or          Page 65
 threat of terrorism.
 Refer to TRANSIT ACCIDENT INSURANCE
 WHAT WE EXCLUDE a) hijack or any act of            Page 81
 terrorism.

 The general exclusion 22 in the previous           Page 61
 Travel Master Policy has been deleted.
 Refer to PART E – THE COVER WE PROVIDE
 under INTERNATIONAL TRAVEL INSURANCE
 in section 3.1.2 WHAT WE EXCLUDE e)
 for cancellations, delays, rescheduling or
 diversions to your scheduled or connecting
 transport unless it is due to a strike, riot,
 hijack, civil protest, weather, natural disaster
 or accident affecting your mode of transport.

 The general exclusion 23 in the previous           Page 41
 Travel Master Policy has been replaced with:
 16. your failure to take reasonable care.




18
Section/         What is changing?               Booklet
Clause                                           reference

The general exclusion 24 in the previous         Page 61
Travel Master Policy has been deleted.
Refer to PART E – THE COVER WE PROVIDE
under INTERNATIONAL TRAVEL INSURANCE
in section 3.1.2 WHAT WE EXCLUDE f ) if your
claim arises directly or indirectly out of you
operating a rental vehicle in violation of the
rental agreement.

The general exclusion 25 in the previous
Travel Master Policy has been deleted.
Refer to PART E – THE COVER WE PROVIDE
under INTERNATIONAL TRAVEL INSURANCE
in section
2.1.2 WHAT WE EXCLUDE d) caused by               Page 58
insolvency or financial collapse of a services
provider with whom you made a booking
or insolvency or financial collapse of any
company, organisation or person with whom
they deal.
3.2.2 WHAT WE EXCLUDE b) because of the          Page 62
insolvency or financial collapse of a services
provider with whom you made a booking
or insolvency or financial collapse of any
company, organisation or person with whom
they deal.
3.3.2 WHAT WE EXCLUDE b) because of the          Page 62
insolvency or financial collapse of a services
provider with whom you made a booking
or insolvency or financial collapse of any
company, organisation or person with whom
they deal.
Refer to PART E – THE COVER WE PROVIDE           Page 76
under INTERSTATE FLIGHT INCONVENIENCE
INSURANCE in section 1.1.2 WHAT WE
EXCLUDE c) caused by insolvency or
financial collapse of a services provider with
whom you made a booking or insolvency
or financial collapse of any company,
organisation or person with whom they deal.



                                                           19
Section/           What is changing?              Booklet
Clause                                            reference

 The general exclusion 27 in the previous         Page 20
 Travel Master Policy has been deleted.
 Refer to PART A - ELIGIBILITY & ACTIVATION
 OF COVER under INTERNATIONAL TRAVEL
 INSURANCE.

 Inserted          19. biological and/            Page 41
 General           or chemical materials,
 Exclusion         substances, compounds
                   or the like used directly or
                   indirectly for the purpose
                   of harming or to destroy
                   human life and/or create
                   public fear.

 Deleted           The general exclusion 19 in
 General           the previous Travel Master
 Exclusion         Policy has been deleted:
                   26. credit card conversion
                   fees or any other bank
                   charges.

                 International Travel Insurance

 International     Overseas travel and Medical
 Travel            Insurance cover is now
 Insurance         called International Travel
                   Insurance.

                   Part A - Eligibility &         Page
                   Activation of Cover            20-21

                   Part B - Period of Cover       Page
                                                  24-25




20
Section/       What is changing?                 Booklet
Clause                                           reference

               Part C - Tables of Benefits       Page 27
               The Tables of benefits have
               been updated to set out
               the maximum limits of what
               we will pay under each
               section of the International
               Travel Insurance including
               correction of the following
               errors in the previous
               International travel insurance
               table of benefits:
               •	sums insured in Section
                  B Cancellation and
                  additional expenses are
                  shown as ‘ Up to $25,000’
                  instead of ‘Unlimited’;
               •	the qualifier ‘*Per
                  participating cardholder
                  and/or accompanying
                  spouse (including any
                  accompanying dependent
                  children)’ applicable to all
                  sums insured, has been
                  omitted from the ‘Sum
                  insured’ column in the
                  schedule; and
               •	section D Extra
                  travel cover refers to
                  “Resumption of authorised
                  overseas business trip”
                  instead of “Resumption of
                  trip”.

               Part D - Excesses and             Page
               General Exclusions                38-41

               Part E - The covers we            Page
               provide                           42-88

Pre-existing   Existing Medical Conditions       Page
Medical        are now referred to as Pre-       42-45
Conditions     existing Medical Conditions.
                                                           21
Section/   What is changing?                Booklet
Clause                                      reference

           Every year, Allianz Global       Page
           Assistance helps many            42-45
           Australians travel with a wide   Refer to
           range of existing medical        anz.com/
           conditions. Pre-existing         allianz or
           medical conditions include       call 1300
           any past or present illnesses,   135 271
           injuries or conditions which
           may have/had a temporary
           or permanent effect on your
           health or wellbeing.
           Cover is not provided for
           all pre-existing medical
           conditions by the Group
           Policy issued to ANZ.
           Insurers have different risk
           criteria which they apply
           to such conditions. Other
           than for those pre-existing
           medical conditions listed
           in the booklet where you
           meet the criteria for cover,
           you will need to apply for
           confirmation of cover before
           going overseas for any
           other pre-existing medical
           conditions you have, each
           time you travel. If you, your
           spouse or your dependent
           children travelling with
           you have any pre-existing
           medical conditions,
           please call Allianz Global
           Assistance on 1300 135
           271 to complete a medical
           assessment and to obtain
           confirmation that your pre-
           existing medical condition is
           covered for your upcoming
           journey.



22
Section/    What is changing?                Booklet
Clause                                       reference

Pregnancy   Expectant mothers should         Page
            consider whether this            45-47
            International Travel Insurance
            is adequate for their needs
            if they are planning to
            travel beyond the twenty
            sixth (26th) week of their
            pregnancy, as costs for
            childbirth and neo natal care
            can be exorbitant in some
            overseas destinations.
            No cover is provided for a
            child born during the period
            of cover provided for your
            journey.
            If you are pregnant when
            you become eligible for
            cover provided under
            International Travel Insurance
            your pregnancy will be
            defined as a pre-existing
            medical condition however,
            any complications of your
            pregnancy arising from
            injury or sickness occurring
            after you became eligible
            will be covered by the Group
            Policy issued to ANZ except
            for any restrictions that
            apply in respect of medically
            assisted pregnancy using
            artificial reproductive
            techniques (including IVF).




                                                     23
Section/   What is changing?                Booklet
Clause                                      reference

           If you fall pregnant after
           you become eligible for
           cover provided under
           International Travel Insurance
           you will be entitled to the
           cover provided arising from
           any complications of your
           pregnancy caused by injury
           or sickness occurring after
           you become eligible.
           No cover is provided for:
           ante natal care;
           childbirth at any gestation
           (except when arising from
           an injury or sickness);
           care of a newborn child;
           any expenses related to
           your pregnancy arising
           after the end of the twenty
           sixth (26th) week of your
           pregnancy (the twenty
           sixth (26th) week of your
           pregnancy is calculated
           based on your estimated
           date of delivery as
           confirmed in writing by your
           obstetrician);
           pregnancy related sickness if
           you have had complications
           in your pregnancy before
           you became eligible for
           cover, or complications in
           any previous pregnancy;
           pregnancy related sickness
           if you used artificial
           reproductive techniques
           (including IVF) to conceive
           this pregnancy.




24
Section/         What is changing?               Booklet
Clause                                           reference

                 These provisions apply
                 whether you fall pregnant
                 naturally or as a result of
                 medical assistance (such as,
                 through IVF treatment).
                 You should plan your
                 journey so that you arrive
                 home before the end of the
                 twenty sixth (26th) week of
                 your pregnancy. If you don’t,
                 and something happens,
                 you won’t be covered for any
                 pregnancy related expenses.
                 We encourage expectant
                 mothers to read the
                 Pregnancy section carefully     Page
                 in conjunction with the         39-41
                 General Exclusions

Section A1 - Overseas Medical and Dental         Page
Expenses in the previous Travel Master Policy    49-50
has been deleted.
Refer to SECTION 1.1 OVERSEAS
EMERGENCY ASSISTANCE and SECTION 1.2
OVERSEAS EMERGENCY MEDICAL.

Section A2 - Medical Evacuation and              Page 52
Repatriation in the previous Travel Master
Policy has been deleted.
Refer to SECTION 1.3 MEDICAL EVACUATION
& REPATRIATION.

Section A3 - Hospital compensation in            Page 53
the previous Travel Master Policy has been
deleted.
Refer to SECTION 1.4 HOSPITAL CASH
ALLOWANCE.




                                                           25
Section/         What is changing?                Booklet
Clause                                            reference

        Interstate Flight Inconvenience Insurance

 Interstate      Part A - Eligibility &           Page
 Flight          Activation of Cover              21-22
 Inconvenience
                 Part B - Period of Cover         Page 25
 Insurance
                 Part C - Tables of Benefits      Page 34

                 Part D - Excesses and            Page
                 General Exclusions               39-41

                 Part E - The covers we           Page 75
                 provide

                 Section 4. Cancellation          Page 75
                 of domestic travel
                 arrangements in the
                 previous Interstate Flight
                 Inconvenience Insurance has
                 been deleted.
                 Refer to SECTION 1.1
                 CANCELLATION.

                 The Flight delay benefit         Page 76
                 under section 1. Delay in the
                 previous Interstate Flight
                 Inconvenience Insurance has
                 been deleted.
                 Refer to SECTION 2.1
                 FLIGHT DELAY.

                 Section 2. Loss or damage        Page 77
                 to personal items in the
                 previous Interstate Flight
                 Inconvenience Insurance
                 and the terms and
                 conditions for Reporting lost,
                 stolen or wilfully damaged
                 items/personal goods have
                 been deleted.
                 Refer to SECTION 3.1
                 LUGGAGE.


26
Section/     What is changing?             Booklet
Clause                                     reference

             The 12 Hour Luggage           Page 80
             Delay benefit under
             section 1. Delay in the
             previous Interstate Flight
             Inconvenience Insurance has
             been deleted.
             Refer to SECTION 3.2
             LUGGAGE DELAY.

             Section 3. Funeral            Page 80
             expenses as a result of
             accidental death in the
             previous Interstate Flight
             Inconvenience Insurance has
             been deleted.
             Refer to SECTION 4.1
             FUNERAL EXPENSES.

            Transit Accident Insurance

Transit      Transport Accident Cover is
Accident     now called Transit Accident
Insurance    Insurance.

             Part A - Eligibility &        Page 22
             Activation of Cover
             Amended to specifically
             mention spouse and
             dependants to whom cover
             extends when eligibility
             criteria is met.

             Part B - Period of Cover      Page 25

             Part C - Tables of Benefits   Page 35

             Part D - Excesses and         Page
             General Exclusions            39-41

             Part E - The covers we        Page
             provide                       81-82




                                                     27
Section/          What is changing?                 Booklet
Clause                                              reference

                  The section About Your            Page 7
                  Right of Access to cover has
                  been deleted.
                  Refer to IMPORTANT
                  INFORMATION ABOUT THE
                  COMPLIMENTARY COVERS
                  PROVIDED.

       Rental Vehicle Excess in Australia Insurance

 Rental Vehicle   Rental Vehicle excess cover
 Excess in        is now called Rental Vehicle
 Australia        Excess in Australia Insurance
 Insurance        and now reimburses
                  customers for the amount
                  specified in the rental vehicle
                  agreement, in the event the
                  vehicle is damaged or stolen.

                  Part A - Eligibility &            Page 23
                  Activation of Cover

                  Part B - Period of Cover          Page 26

                  Part C - Tables of Benefits       Page 35

                  Part D - Excesses and             Page 39
                  General Exclusions

                  Part E - The covers we            Page
                  provide                           83-84




28
Section/        What is changing?             Booklet
Clause                                        reference

                The following sections have   Page 7
                been deleted:
                Our Agreement with ANZ
                About Your Right of Access
                to cover
                Important Information
                About the covers
                Refer to IMPORTANT
                INFORMATION ABOUT THE
                COMPLIMENTARY COVERS
                PROVIDED.

             Purchase Protection Insurance

Purchase        90-Day Purchase Security
Protection      Insurance is now called
Insurance       Purchase Protection
                Insurance.

                Part A - Eligibility &        Page 23
                Activation of Cover

                Part B - Period of Cover      Page 26

                Part C - Tables of Benefits   Page 36

                Part D - Excesses and         Page 39
                General Exclusions

                Part E - The covers we        Page
                provide                       85-86




                                                        29
Section/        What is changing?             Booklet
Clause                                        reference

              Guaranteed Pricing Scheme

 Guaranteed     Best Price Guarantee
 Pricing        Scheme is now called
 Scheme         Guaranteed Pricing Scheme.

                Part A - Eligibility &        Page 23
                Activation of Cover

                Part B - Period of Cover      Page 26

                Part C - Tables of Benefits   Page 36

                Part D - Excesses and         Page
                General Exclusions            39-41

                Part E - The covers we        Page 87
                provide

              Extended Warranty Insurance

 Extended       Part A - Eligibility &        Page 23
 Warranty       Activation of Cover
 Insurance
                Part B - Period of Cover      Page 26

                Part C - Tables of Benefits   Page 37

                Part D - Excesses and         Page
                General Exclusions            39-41

                Part E - The covers we        Page 88
                provide




30
Section/         What is changing?                Booklet
Clause                                            reference

                           Claims

Allianz Global Assistance can be contacted        Page 2
using the contact details listed on the inside
front cover of this booklet.

24 Hour Emergency Assistance:
Within Australia: 1800 010 075
Reverse charge from overseas:
+61 7 3305 7465
Email: medical@allianz-assistance.com.au
Fax: +617 3305 7005

You can obtain claim forms and information        Page 89
on how to make a claim at: anz.com/allianz
Online: Lodge your travel claim,
         24 hours a day, 7 days a week at
         https://claimmanager.com.au/anz
Phone: 1300 135 271, 9am to 5pm
        AEST,Monday to Friday, except public
        holidays. Calls from mobiles, public
        telephones or hotel rooms may
        attract additional charges
E-mail: ANZTravelTeam@allianz-assistance.com.au




                                                            31
Section/             What is changing?                      Booklet
 Clause                                                      reference

                       Complaints & Disputes

  We have replaced references to the Financial               Page 93
  Ombudsman Service with references to the
  new Australian Financial Complaints Authority
  (AFCA) and have provided contact details
  for AFCA. As a result, the information under
  Complaints & Disputes will be updated to
  read as follows:

  We are a member of an external dispute
  resolution scheme which is independent and
  free to you. We are bound by determinations
  made by it in accordance with its relevant
  terms and rules applicable to us.
  Any complaint or dispute can be lodged with
  the Australian Financial Complaints Authority:
  Online: www.afca.org.au
  Email: info@afca.org.au
  Phone: 1800 931 678
  Mail: 	Australian Financial Complaints
            Authority
            GPO Box 3, Melbourne Victoria 3001.

  Please note this change is effective
  immediately.




anz.com
32
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.
Item No. 96903 06.2019 WX231857
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