NAB Card Insurance Policy Information Booklet effective 01.06.14
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NAB Card Insurance Policy Information Booklet effective 01.06.14
Contents Important Information
NAB Card Insurance Policy As a NAB cardholder, you are eligible for the Benefits
Information Booklet Page under the NAB Card Insurance. This Policy Information
Booklet sets out the Benefits and cover available to you
Important Information 1 under the NAB Card Insurance.
Privacy 4 The NAB Card Insurance includes the following
General Insurance code of practice 6 insurance Plans:
Complaint and disputes resolutions process 6 • Overseas Travel Insurance Plan,
Definitions 7 • Interstate Flight Insurance Plan,
Overseas Travel Insurance Plan 15
• Domestic Hotel Burglary Insurance Plan,
Interstate Flight Insurance Plan 41
• Transport Accident Insurance Plan,
Domestic Hotel Burglary Insurance Plan 51
Transport Accident Insurance Plan 54 • Extended Warranty Insurance Plan,
Extended Warranty Insurance Plan 58 • Purchase Protection Insurance Plan, and
Purchase Protection Insurance Plan 63 • Price Protection Insurance Plan
Price Protection Insurance Plan 68
(collectively, the ‘Plans’)
General Conditions of the NAB card Insurance Policy 71
This insurance will apply where the qualifying purchase
Contact Details 74 is made from 1 June 2014 and transacted in the
following ways:
– If using your NAB Credit Card – purchases using your
credit card facility directly charged by the merchant; or
– If using your NAB Gold Visa Debit Card – purchases
using your debit card either by using the physical card
or by providing the debit card number when paying
for your purchases. Purchases using the linked account
without the use of the debit card (e.g. by direct credit
from your NAB Internet Banking facility, PayPal, Bpay
or Secure Pay or any other payment facility) will not
be covered.
QM5027-0614
Date prepared: 1 June 2014
1See the ‘Plan Activation’ sections for each of the Plans. Details of the insurance
You should keep the receipt for any qualifying purchase, NAB has obtained the insurance available under the NAB
together with details of any loss that you suffer that is Card Insurance under a Group Policy issued by QBE.
covered under these insurance Plans. You may also be As a NAB cardholder you are eligible to receive Benefits
required to provide other documents to support your under this policy.
claim – see ‘What to do in the event of a claim’ section
Insurance details
for each of the Plans.
Issuer: QBE Insurance (Australia) Limited
You may be eligible for the Benefits provided by the
ABN 78 003 191 035
Plans (as set out in this booklet) but are not required
AFS Licence No. 239545
to accept the insurance. If you do wish to make a
82 Pitt Street
claim under these Plans you will be bound by the
Sydney NSW 2000
terms and conditions set out in this booklet for NAB
Card Insurance. Insured: National Australia Bank Ltd
The insurance cover provided by NAB to its cardholders NAB is not the issuer of the NAB Card Insurance Plans.
is a complimentary benefit and the Policy is not NAB nor any of its related corporations guarantee any of
individually underwritten. It is subject to standard the Benefits under the Plans. NAB does not receive any
terms and conditions applicable to all cardholders. commission or remuneration from QBE for arranging this
insurance. Neither NAB nor any of its related corporations
Certain eligibility criteria apply. For example:
are authorised representatives under the Corporations Act
– for the Overseas Travel Plan, you must be under 90
2001 (Cth) of QBE.
years at the time of your loss; and
Sanctions
– The Overseas and Interstate Travel Plans exclude
This policy does not apply to the extent that trade or
pre-existing medical conditions.
economic sanctions or other laws or regulations prohibit
You should read the Policy carefully to ensure you QBE, its parent company or its ultimate controlling entity,
understand the terms and conditions to decide whether from providing the insurance.
it meets your specific needs.
Termination of Plan
NAB may terminate any of the NAB Card Insurance Plans
by providing written notification to their primary NAB
Cardholders. Purchases made before the expiry of this
notification will still have the Benefit of cover under
the chosen Plan. It is the responsibility of the primary
NAB cardholder to inform additional cardholders of
the termination and/or changes to any of the NAB Card
Insurance Plans when notified to the primary
NAB cardholder.
2 3Privacy • another person named as a co-insured on the Policy (for
the purpose of confirming if full disclosure has been
All companies in the QBE Group are committed to made to us);
safeguarding your privacy and the confidentiality of your
personal information. QBE collects only that personal • another insurer (to obtain confirmation of your no
information from or about you for the purpose of claim bonus or to assess insurance risks or to assist with
assessing your claim for insurance and administering an investigation);
the insurance policy. QBE will only use and disclose • our reinsurer that may be located overseas (for the
your personal information for a purpose you would purpose of seeking recovery from them);
reasonably expect. We will request your consent for any
• a dispute resolution organisation such as the Financial
other purpose.
Ombudsman Service (for the purpose of resolving
Without this personal information we may not be able to disputes between QBE and you or between QBE and a
administer your insurance or process your claim. Our aim third party);
is to always have accurate and up-to-date information,
you should contact us if the information is not correct. • a company to conduct surveys on our behalf for the
purpose of improved customer services; and
QBE uses the services of a related company located in
the Philippines to provide Call Centre sales and claims • an insurance reference bureau (to record any claims you
handling, accounting and administration services to QBE may make upon us).
in Australia. QBE or our authorised agent may collect or
In addition to the above, in the event of a claim,
disclose your personal information from or to:
QBE or our authorised agent may disclose your
• any person authorised by you; personal information:
• a mail house, records management company or • to a repairer or supplier (for the purpose of repairing or
technology services provider (for printing and/or replacing your insured items);
delivery of mail and email, including secure storage
• to an investigator, assessor (for the purpose of
and management of our records). These companies
investigating or assessing your claim);
may be located or the records stored using ‘Cloud’
technology overseas, including in India, Ireland, USA or • to a lawyer or recovery agent (for the purpose of
the Netherlands; defending an action by a third party against you or
recovering our costs including your excess or seeking a
• a financier whose name appears on the Policy Schedule
legal opinion regarding the acceptance of a claim);
(for the purpose of confirming the currency of the
Policy or when you have a claim and the insured • to a witness to a claim (for the purpose of obtaining a
property is a total loss, to confirm if the financier has a witness statement);
current interest);
• to another party to a claim (for the purpose of
• an organisation that provides you with banking obtaining a statement from them or seeking recovery
facilities (for the purpose of arranging direct debit or from them or to defend an action by a third party).
other payment transactions or confirming payments
Personal information (about you) may also be obtained
made by you to us);
from the above people or organisations.
• a financial services provider or our agent who is
arranging your insurance (for the purpose of confirming
your personal and insurance details);
4 5In addition we will: If you would like to make a complaint or access our
• give you the opportunity to find out what personal internal dispute resolution service please contact
information we hold about you and when necessary, the nearest QBE office and ask to speak to a dispute
correct any errors in this information. Generally we resolution specialist.
will do this without restriction or charge; and If you are not happy with our answer, or we have taken
more than fifteen (15) working days to respond, you may
• provide our dispute resolution procedures to you,
take your complaint to the Financial Ombudsman Service
should you wish to complain about how we handle
(FOS), an ASIC approved external dispute resolution body.
your personal information.
FOS resolves certain insurance disputes between
To obtain further information about our Privacy Policy or consumers and insurers and will provide an independent
to request access to or correct your personal information, review at no cost to you. QBE is bound by the
please email: compliance.manager@qbe.com. determination of FOS but the determination is not
To make a complaint email: complaints@qbe.com binding on you.
We will provide the contact telephone number and
The General Insurance Code of Practice
address of the FOS office upon request.
QBE is a signatory to the General Insurance Code of
Practice. The code aims to: Financial Claims Scheme
1 Promote more informed relations between insurers Your Policy is a protected policy under the Financial
and their customers; Claims Scheme (FCS), which protects certain insureds and
claimants in the event of an insurer becoming insolvent.
2 Improve consumer confidence in the general In the unlikely event of QBE becoming insolvent you may
insurance industry; be entitled to access the FCS, provided you meet the
3 Provide better mechanisms for the resolution of eligibility criteria.
complaints and disputes between insurers and their More information may be obtained from
customers; and APRA – www.apra.gov.au or 1300 55 88 49
4 Commit insurers and the professionals they rely upon
to higher standards of customer service. Policy Wording
NAB Card Insurance is underwritten by QBE Insurance
For more information please visit the Code of Practice
(Australia) Limited ABN 78 003 191 035, AFS Licence
website www.codeofpractice.com.au or follow the links
No. 239545.
from the Insurance Council of Australia’s website at
www.ica.com.au
Definitions
Complaints and Dispute resolution process Applicable to ALL PARTS of the NAB Card Insurance
We will do everything possible to provide a quality service policy document.
to you. However, we recognise that occasionally there The following definitions apply throughout the terms and
may be some aspect of our service or a decision we have conditions set out in this Policy Information Booklet.
made that you wish to query or draw to our attention. ‘Accident’ or ‘Accidental’ means any sudden, unforeseen
We have a complaints and dispute resolution procedure and identifiable event which happens by chance.
which undertakes to provide an answer to your complaint
within fifteen (15) working days.
6 7‘Bed care patient’ means you are confined to bed during A child who is physically or mentally incapable of
an overseas journey, for a continuous period of at least self support upon attaining the age of eighteen (18)
24 hours on the certified advice of a legally qualified years shall continue to be covered under this policy
and registered medical practitioner and you are under as a dependent child, for as long as the child remains
the continuous care of a registered nurse (other than incapacitated and unmarried.
yourself or a member of your family). You are not a bed ‘Extended warranty period’ means:
care patient if you are a patient in any institution used
1 Where the original warranty is at least six (6) months
primarily as a nursing or convalescent home, a place of
but less than twelve (12) months; The original warranty
rest, a geriatric ward, a mental institution, a rehabilitation
period is doubled.
or external care facility for the care or treatment of
alcoholics or drug addicts. 2 Where the original warranty is between twelve (12)
‘Business day’ means a day other than a Saturday or months and five (5) years;
Sunday or a day gazetted as a public holiday throughout The period commencing from the date the original
Australia. warranty expires and ending no later than twelve (12)
‘Burglary’ means an unlawful and forcible entry to months after commencement of the extended warranty
premises by a person or persons with intent to steal. period.
‘Conveyance’ means an aircraft, vehicle, train, vessel or ‘Family’, ‘families’ or ‘family members’ means your
other public transportation that is licensed to carry fare spouse and your dependent children that are travelling
paying passengers. with you.
‘Covered breakdown’ means the failure of a covered ‘Financial default’ means, but is not limited to insolvency,
product to operate for the purpose for which it was bankruptcy, provisional liquidation, liquidation, financial
designed, due to a breakdown or defect, which would collapse, appointment of a receiver, manager or
be covered by the terms of the original warranty if that administrator, entry into any official or unofficial scheme
warranty had not yet expired. of arrangement, statutory protection, restructuring or
composition with creditors, or the happening of anything
‘Covered product’ means a new domestic appliance
of a similar nature under the laws of any jurisdiction.
product purchased in Australia during the cover term that
has an original warranty of at least six (6) months and no ‘Injury/injured’ means bodily injury, caused by accidental,
more than five (5) years and which is paid for in full by a violent, external and visible means, whilst this insurance
NAB cardholder with a NAB Card account. cover is in force and which results, solely, directly and
independently of any pre-existing medical condition or
‘Dependent children’ or ‘Dependent child’ means your
any other cause, within twelve (12) calendar months from
unmarried child or children who are:
the date of the accident.
(a) eighteen (18) years of age or younger; or
‘Interstate flight’ means travel on a registered and
(b) twenty-four (24) years of age or younger if they are full scheduled commercial airline (but not charter trips)
time students at an institution of higher between two or more Australian States and/or territories,
learning; and at the time of a covered event giving including the state and/or the territory in which you
rise to a claim are primarily dependent upon you for reside.
maintenance and support; and who are travelling with
you on the journey.
8 9‘Interstate journey’ means the interstate travel you ‘Overseas’ means outside of Australia. Norfolk Island,
undertake and the shorter period commencing from the Lord Howe Island, Cocos Islands and Christmas Island
time you leave your usual place of residence in Australia as recognised external territories of Australia will for
to travel directly to the airport from where you are the purposes of any Plan offered under the NAB Card
catching your interstate flight, until: Insurance policy be treated as overseas.
1 the time you return to your usual place of residence in ‘Overseas Journey’ means the shorter period
Australia, or commencing from the time you leave your usual place of
residence in Australia to travel overseas, until:
2 the expiry of fourteen (14) consecutive days following
the time that you leave any place in Australia to travel 1 the time you return to your usual place of residence in
directly interstate. The maximum duration of coverage Australia; or
is fourteen (14) consecutive days. 2 the expiry of six (6) consecutive months following the
‘Kidnapping/kidnapped/Kidnap’ means the wrongful time that you leave your usual place of residence in
abduction and detention of you against your will or Australia to travel overseas. The maximum duration of
coverage is six (6) consecutive months.
by deception by a person or group for the purpose of
obtaining a ransom, kidnap or extortion payment as a For the Overseas Travel Insurance Plan to apply, your
condition of your release. overseas journey must commence and conclude in
‘Motorcycle’ means a single, two or three wheeled vehicle Australia.
that is powered or partly powered to move by its own ‘Original warranty’ means the implied obligations, rights
motor. Motorcycle includes these vehicles or any of their and duties embodied in the written warranty provided by
accessories or spare parts: the manufacturer, which is applicable in Australia, of the
1 motor cycles and mini-motor cycles; and covered product when it is purchased new. The warranty
must have coverage of no less than six (6) months and no
2 motorised scooters, motorised bicycles, motorised more than five (5) years.
skateboards and quad bikes, but does not include
‘Personal Goods’ means all new personal property
mobility scooters designed to accommodate physical
acquired for domestic or household use, but does not
disabilities or the elderly.
include:
‘NAB’ means National Australia Bank Limited • items acquired for re-sale, business or commercial use,
ABN 12 004 044 937, of 800 Bourke Street, Docklands, or purchased in a business name;
Victoria 3008.
• consumables or perishables;
‘NAB Card’ means a current and valid personal NAB credit
• contraband; second-hand items or antiques;
card or NAB Gold Visa Debit card.
• items intended for or have become landlord’s fixtures
‘NAB cardholder’ means a permanent resident of and fittings real estate. Fixed or movable fixtures or
Australia to whom NAB has issued a NAB Card and fittings, intended to form or have become part of any
includes the primary cardholder and any additional real estate;
cardholder to whom a NAB Card has been issued for use • real estate;
on the same account, unless otherwise stated. • computer software or non tangible items;
‘NAB Credit Card’ means a current and valid personal • animal or plant life;
NAB Premium credit cards, NAB Qantas Plus Card or NAB • any motorised or mechanically propelled vehicle, vessel
flybuys Rewards card. or watercraft and/or their accessories;
10 11• cash, bullion, negotiable instruments, gift vouchers, ‘Relative’ means your spouse, child, parent, sibling, in-
traveller’s cheques or tickets of any description; laws, grandparent, step-parent, uncle, aunt, stepdaughter,
• sporting equipment while being used; step-son, grandchild, guardian, fiancée, fiancé, half-
• mobile or cell phones if the phone is part of a sibling, niece, nephew or cousin who is:
telecommunication provider’s post paid plan or any (a) resident in Australia or New Zealand at the time you
other contractual arrangements; activated your Overseas Travel Insurance Plan or
• services; or item(s) purchased prior to 1 June 2014. Interstate Flight Insurance Plan; and
‘Pre-existing medical condition’ means a condition which (b) under 80 years of age at the time of your loss.
is relevant to you, your travelling companion, relative or ‘Rental vehicle’ means a passenger-class hatchback,
any other person and means: sedan, station wagon or four-wheel-drive vehicle rented
(a) any existing medical condition (including but not or hired from a licensed motor vehicle rental company for
limited to mental disorder, anxiety, alcoholism, drug the sole purpose of carrying you and your travelling
addiction or pregnancy); and / or any chronic or companions on public roadways. It does not include any
ongoing medical or dental condition, of which you other type of vehicle or vehicle use.
were aware, or for which investigation, (whether or not ‘Repair agent’ means a dealer or independent service
a diagnosis has been made) treatment or advice was centre authorised by us to carry out assessment and/or
received, or medication prescribed or taken at any time repairs of covered products.
before you obtained your return overseas travel ticket;
Return Interstate Airfares means the flight fare to depart
(b) any condition (including but not limited to mental
the State and/or territory in which you reside and the
disorder, anxiety, alcoholism, drug addiction or
flight fare to return to the State and/or territory in which
pregnancy); and / or any medical or dental condition,
you reside.
of which you were aware of, or for which investigation,
(whether or not a diagnosis has been made) treatment ‘Single’ or ‘Singles’ means you when you travel by
or advice was received, or medication prescribed or yourself.
taken after you obtained your return overseas travel ‘Specified injury/injured’ means loss of life or bodily
ticket, but before the commencement of your journey; injury (but not an illness or sickness):
or (a) caused by an accident during the currency of any Plan;
(c) any complication arising from any of the conditions and
expressed in paragraphs (a) or (b) above. (b) resulting independently of any other cause.
Unexpected or unforeseen events relating to pregnancy Furthermore “specified injury” as used with reference to
are not regarded as a pre-existing condition. hand or foot means complete severance through or above
‘Printed advertisement’ means published marketing the wrist in relation to hand(s) or ankle joint in relation
catalogue and/or brochure. to foot/feet and, as used with reference to eye, means
‘Public place’ includes but is not limited to shops, irrecoverable loss of the entire sight thereof.
airports, train stations, bus stations, streets, hotel foyers ‘Spouse’ means your spouse or de facto partner of either
and grounds, restaurants, beaches, public toilets, and any sex, with whom you have continuously cohabited for a
other place to which the public has access. period of three (3) consecutive months or more and who
‘Ransom’ means any monetary loss, which you incur in travels with you on the overseas journey
the provision and delivery of cash, marketable goods,
services or property to secure your release.
12 13‘Terrorist act (s)’ means:
(a) Any act which is verified or recognised by the (relevant)
Overseas Travel Insurance
government as an act of terrorism; or Plan Conditions
(b) Any act including but not limited to the use of force
Plan activation
or violence and/or the threat thereof of any person
or group(s) of persons whether acting alone or on Your Plan is activated if:
behalf of or in connection with any organisation(s) (a) You are a NAB cardholder; and
or government(s) committed for political religious
(b) Prior to the commencement of your overseas journey,
ideological or similar purposes including the intention
you have paid a minimum of $500 in pre paid overseas
to influence or overthrow any government and/or to
transport costs (including travel by air, rail, road or
put the public or any sector of the public in fear, or at
watercraft); and or accommodation costs; and
risk of terrorist acts.
‘Unaccompanied’ means in relation to luggage, personal or organised land tour costs all of which are inclusive
effects or travel documents sent or left somewhere else of any charges, fees and or taxes (excluding foreign
by you so that they are not travelling with you on your currency and traveller’s cheques) with your NAB Card;
overseas journey. and
‘Unattended’ means, your possessions are in a position (c) Transacted in the following ways:
where they can be taken without you or your travel
– If using your NAB Credit Card – purchases using
companion knowing or being able to prevent them from
your credit card facility directly charged by the
being unlawfully taken.
merchant; or
‘War’ means armed conflict between nations including
– If using your NAB Gold Visa Debit Card – purchases
forces acting for any international authority whether war
using your debit card either by using the physical
be declared or not; invasion; civil war; any attempt to card or by providing the debit card number when
usurp power or any activity arising out of an attempt to paying for your purchases.
participate in military force between nations. Purchases using the linked account without the use of the
‘We’, ‘our, ‘us’, means QBE Insurance (Australia) Limited debit card (e.g. by direct credit from your NAB Internet
ABN 78 003 191 035 AFSL 239545 Banking facility, PayPal, BPay or Secure Pay or any other
‘You’, ‘yourself’ and ‘your’ means a NAB cardholder and payment facility) will not be covered.
includes your spouse and/or your dependent children
who are travelling with you for the entire overseas or
interstate journey.
14 15Schedule of Benefits
The most we will pay for any Benefit is:
Section Benefits Benefit Limits Benefit Limits
For persons aged 75 years or under at time of For persons aged 76 years and over up to 90 years
claim at time of claim
1 Journey Cancellation and Actual Incurred Costs subject to the sublimits Travel agents Cancellation Benefit of $5,000
Amendment Costs below applies.
Sub-limits Sub-limits
Travel agents cancellation fees up to $500 per Travel agents cancellation fees up to $500 per
person person
Overseas Medical and Actual incurred costs Not eligible for cover
Dental expenses
Additional Expenses Actual incurred costs subject to the sublimits Not eligible for cover
below
Sub-limits
Overseas Bed Care Patient:
$100 per 24 hours up to $15,000 per person.
Travel Delay
maximum $750 per person or $1,500 in total for
families.
Resumption of Overseas journey
up to $5,000 per person up to $10,000 in total for
families.
Return of Rental Vehicle
$250 per overseas journey.
2 Luggage; Personal Effects; Up to $15,000 for singles: $20,000 for families, Up to $15,000 for singles: $20,000 for families,
and Travel Documents subject to: subject to:
• a maximum of $2,000 for any one item, set, or • a maximum of $2,000 for any one item, set, or
pairs of items. pairs of items.
• a maximum of $6,000 for Laptop computers, • a maximum of $6,000 for Laptop computers,
inclusive of accessories inclusive of accessories
• a maximum Emergency luggage replacement of: • a maximum Emergency luggage replacement of:
$300 for singles; $600 for families. $300 for singles; $600 for families.
3 Personal Liability Up to Up to $2,500,000 per person Up to $2,500,000 per person
$2,500,000 per person
4 Rental Vehicle damage and Up to $5,000 per overseas journey Up to $5,000 per overseas journey
Theft Excess Waiver
5 Accidental Death $150,000 for NAB cardholder. $150,000 for NAB cardholder.
$75,000 for spouse. $75,000 for spouse.
$50,000 for each dependant child up to a $50,000 for each dependant child up to a
maximum of $150,000. maximum of $150,000.
Loss of Income up to $1,000 per week for income earners No cover for Loss of Income
6 Hijack and Detention $100 per day up to a maximum of $10,000 for $100 per day up to a maximum of $10,000 for
singles; $20,000 for families. singles; $20,000 for families.
7 Missed Special Event Maximum of $3,250 per family for all Missed Maximum of $3,250 per family for all Missed
Special Events Special Events
8 Kidnap and Ransom Maximum of $250,000 per person. Maximum of $250,000 per person.
No Benefit for Kidnap And Ransom arising in No Benefit for Kidnap And Ransom arising in
Mexico, Central or South America. Mexico, Central or South America.
16 17Cover commencement periods Excess
Cover for ‘Journey cancellation and amendment costs’ An excess of $200 applies to each and every claim arising
Benefit, commence from the time your Plan is activated as from the same event made under:
described in the Plan activation conditions above. For all Section 1 (except for claims under Subsection 3.6, 3.7 and
other Benefits under this Overseas Travel Insurance Plan, 3.8);
cover will commence from the time you commence your
Section 2 (except for claims under Subsection 2.2 and 2.3);
overseas journey.
and Section 3.
Fit for travel
Overseas Travel Insurance Plan Exclusions
You must be fit to travel and not be aware of any
circumstance which could lead to cancellation or If the amount of your claim is less than the amount of the
disruption of your overseas journey. Otherwise your claim applicable excess, no benefit will be paid under the policy.
under this Plan may be adversely impacted. We will not pay for claims caused directly or indirectly
out of:
Limits of liability
1 Any pre-existing medical condition of yours, a relative
The Overseas Travel Insurance Plan is limited to the sums
or travel companion that may give rise to a claim.
insureds specified for each section, as shown in the
2 Any health related treatment costs, including dental;
Schedule of Benefits table on page 16. Sub limits may
medical; surgical; hospital; ambulance; and nursing
apply to some of the Benefits.
home expenses incurred in Australia or in any other
NAB cardholders under 90 years of age are eligible for location where Australia’s Private Health Insurance Act
cover under the Overseas Travel Insurance Plan. Limits to 2007 (or equivalent legislation) is deemed to apply.
cover and sum insureds apply to NAB cardholders who are 3 Medical, surgical, hospital, ambulance, and nursing
aged between 76 years and under 90 years of age at the home expenses, and other costs of treatment, including
time of your loss. Please refer to the Schedule of Benefits dental treatment, incurred more than twenty-four (24)
table on page 16. months after accidental injury, or illness which is the
With the exception of the Accidental Death Benefit in subject of the claim, first occurred.
Section 5, the Overseas Travel Insurance Plan, does not 4 Expenses for continuing treatment or any medication
cover any loss, event, or liability which is covered under which commenced prior to the date you purchased the
any other insurance policy, health or medical scheme, or travel and for which you have been advised to continue
Act of Parliament, or is payable by any other source. during the overseas journey.
Where permissible by law, we will pay the difference 5 Expenses for overseas dental treatment due to normal
between the amount payable under the other insurance wear and tear, or maintenance.
policy; health or medical scheme; or Act of Parliament; or 6 War, civil war, invasion, insurrection, revolution, use of
such other source and what you would have been eligible military power or usurpation of government or military
to claim under the Overseas Travel Insurance Plan. power.
18 197 Riot or civil commotion unless prior to the riot or civil 13 Your or any other person’s psychological or psychiatric
commotion, you had already departed Australia; or the condition; nervous disorder; anxiety disorder;
Overseas Travel Insurance Plan was already activated. depression or stress related disorders.
8 Radioactivity, radioactivity contamination or the use, 14 Sexually transmitted disease of any sort, Acquired
existence or escape of any nuclear fuel, nuclear material Immune Deficiency Syndrome (AIDS), or AIDS Relating
or nuclear waste. Complex (AR(c), or Human Immunodeficiency Virus
9 The existence, release or escape of pathogenic; (HIV).
poisonous biological; or chemical materials. 15 You operating any motor vehicle, while having a blood
10 Your participation in: alcohol content over the legal limit relevant to the
(a) Any illegal conduct or criminal act. country that you are in and/or where you are under the
influence of any drug other than a drug administered
(b) Any professional sporting activities.
by, or in accordance with the advice of a legally
(c) Parachuting, BASE jumping, sky diving or travel in qualified medical practitioner.
any other aerial device other than as a passenger
16 Pregnancy or childbirth, except for unexpected medical
in a licensed passenger aircraft operated by an
complications or emergencies provided you are less
airline or charter company. This exclusion does
than twenty-six (26) weeks pregnant at the time.
not apply to hot air ballooning or parasailing.
17 You travelling against medical advice or when you know
(d) Racing (other than on foot).
that you are unfit to travel.
(e) Mountaineering involving use of ropes or guides,
18 Any life threatening condition which has been
rock-climbing, abseiling.
diagnosed or any condition for which you are travelling
(f) Underwater activities involving use of underwater to seek medical or other treatment.
breathing apparatus (unless you hold an open
19 Confiscation or destruction by customs or any other
water diving certificate or are diving with a qualified
authorities.
instructor).
20 Any interference with your travel plans or restriction
(g) riding a motorcycle outside Australia whether as a
of access to any location, caused by a government,
driver or as a passenger, except where the driver
government regulation or official authority including
holds a valid motorcycle licence in the country you
but not limited to refusal of a visa or permit to you or
are in and the motorcycle has an engine capacity
to any relative or travelling companion.
of 200cc or less;
21 The refusal, failure or inability of any person, company
(h) riding a motorcycle in Thailand or on the island of
or organisation, (including but not limited to
Bali, except as a passenger in a licensed commercial
transportation providers, accommodation providers,
motorcycle.
car rental agencies, tour or cruise operators, travel
11 Deliberately exposing yourself to exceptional danger wholesalers, travel agents, booking agents or other
unless you were attempting to preserve life, your own providers of tourism related services) to provide
or others. services, facilities or accommodation, due to their own
12 Suicide, attempted suicide or intentional self-inflicted financial default or the financial default of any person,
injury. company or organisation with whom they deal.
20 2122 Consequential losses (including loss of enjoyment) or
financial losses not expressly covered by the Overseas
Section 1
Travel Insurance Plan. Journey Cancellation and Amendment Costs
23 Changing your original overseas journey because either
you or your travel companion change your mind. Overseas Medical, Dental and Additional Expenses
24 Any losses incurred by as a result of your failure to meet Excess
the Plan activation conditions. An excess of $200 applies to each and every claim arising
25 The policy does not apply to the extent that trade from the same event made under sub-sections 1.1 to 3.5.
or economic sanctions or other laws or regulations There is no excess for claims under sub-sections 3.6, 3.7
prohibit us from providing the insurance. and 3.8.
Sub-Section 1
Journey Cancellation and amendment costs
1.1 Journey Cancellation Costs
We will pay the cancellation costs incurred by you
for the non-refundable unused portion of travel or
accommodation arrangements which you paid in advance,
as a result of cancellation, alteration, curtailment, or
incompletion of your overseas journey due to:
(a) your unforeseen death, accidental injury or illness
provided that a claim is not also paid in respect of
your death;
(b) the unforeseen death, accidental injury, or illness of
your relative under 80 years of age or your business
partner or your travelling companion; or
(c) any unforeseen circumstances beyond your control
other than the unforeseen death, injury or illness of a
person not stated under subsection 1.1 (a) and (b).
Frequent flyer points
If any of your travel or accommodation arrangements
were purchased using frequent flyer or a similar loyalty
points programme, then, we will pay you for the frequent
flyer or similar loyalty programme points lost following
cancellation, alteration, curtailment or incompletion of
your overseas journey.
22 23The Benefit payable will be calculated as follows: arrangements if you are unable to travel or resume travel
If the points for your travel or accommodation on your original overseas journey.
arrangements cannot be refunded, we will refund to The maximum Benefit payable will be the costs of the
you the cost of the equivalent travel or accommodation equivalent extra costs of re-scheduling your travel or
arrangements based on the quoted retail price at the accommodation arrangements based on the quoted retail
time your arrangements were purchased. price at the time your arrangements were purchased.
If only a portion of your points for your travel or The most we will pay you under sub-section 1.2 shall not
accommodation arrangements can be refunded, we be greater than the amount we would have paid under
will refund to you the cost of the equivalent travel or sub-section 1.1.
accommodation arrangements based on the quoted There will be no claim payable under sub-section 1.2, if
retail price at the time your arrangements were we have already paid you a claim under subsection 1.1.
purchased, less the value of the portion of your points
refunded back to you. 1.3 Travel agents cancellation fees
We will pay travel agents cancellation fees of up to $500
Conditions: per person if incurred by you and proof of loss is provided
(a) the loss of such points must not be recoverable from to us.
any other source; and
(b) you must first request the travel provider to refund your Sub-Section 2
points before you submit a claim to be paid for frequent
Overseas Medical and Dental Expenses
flyer or similar loyalty programme points lost.
If as a result of you suffering an accidental injury or
1.2 Journey Amendment Costs illness during the overseas journey, we will pay for your
We will pay the reasonable costs of amendments to necessary and reasonable:
your travel schedule, if you are unable to travel on your (a) medical, surgical, hospital, ambulance, and nursing
original overseas journey due to: home expenses and the cost of other treatment, given
(a) the unforeseen death, accidental injury, or illness of or prescribed by a legally qualified medical practitioner,
your relative under 80 years of age, business partner which are incurred outside of Australia; and
or travelling companion. (b) emergency overseas dental costs for the relief of
(b) any other unforeseen circumstances beyond your sudden and acute pain incurred.
control provided that a claim is not also paid in respect Provided that these costs are not recoverable from any
of your death. other source.
Frequent flyer points
If any of your travel or accommodation arrangements
were purchased using frequent flyer or a similar loyalty
points’ programme, then, we will pay you for the frequent
flyer or similar loyalty programme points reasonably
used to re-schedule your travel or accommodation
24 25Sub-Section 3 Your claim must be supported by written confirmation
from the hospital of the length of your stay. This Benefit is
Additional overseas travel expenses covered subject to a maximum Benefit Limit of $15,000 per person.
3.1 Repatriation of remains
3.5 Unexpected travel and accommodation expenses
In the event of your death, we will pay for the reasonable
We will pay for the necessary and reasonable extra
cost of returning your remains to your usual place
travel and accommodation expenses (including the cost
of residence in Australia or if your body is buried or
of meals above the amount you had budgeted for less
cremated at the City or country of your death, we will pay
any refund received for the unused prepaid travel and
for the funeral or cremation costs.
accommodation arrangements) incurred by you due to:
3.2 Medically required extra travel and accommodation (a) the unexpected death, accidental injury, or illness of
expenses your relative under eighty (80) years of age, business
We will pay for necessary and reasonable extra travel partner or travelling companion; or
and accommodation expenses, which are incurred by (b) any other unexpected circumstances outside your
you on the written advice of a legally qualified medical control.
practitioner, as a result of you suffering an accidental
If you do not hold a return travel ticket to Australia at the
injury or illness during the overseas journey.
time of occurrence of the above events described in sub-
These expenses include the cost of meals over and above section 3.5, we will deduct from any claim which includes
the amount you had already paid for less any refund you the cost of your repatriation to Australia, an amount equal
receive for the unused prepaid travel and accommodation to your original published one way economy class travel
arrangements. ticket for the route used for your return.
3.3 Medically required travel companion 3.6 Travel Delay
As a result of you suffering an accidental injury, or illness If for any reason beyond your control, your scheduled
during the overseas journey, we will pay for the necessary transport is delayed for six (6) hours or more and you
and reasonable extra travel and accommodation expenses cannot claim the expenses from any other source, we will
(less any refunds you received for the unused prepaid pay for your expenses incurred up to a maximum $250
travel and accommodation arrangements), which are for singles and $500 for families. If the delay continues
incurred by you on the written advice of a legally qualified for an additional eighteen (18) hour period, we will pay
medical practitioner and with our written agreement, for for your expenses incurred up to an additional $500 for
one person to travel to, remain with, or accompany you singles and an additional $1,000 for families. The most we
back to your usual place of residence in Australia. will pay for any one continuous delay period is $750 for
singles and $1,500 for families. If we have paid you this
3.4 Overseas bed care patient
Benefit, we will not pay for any accommodation, meals
If as a result of you suffering an accidental injury or illness
or other travelling expenses under this section.
during the overseas journey, we will pay $100 for each
continuous twenty-four (24) hour period in which you are
confined in a hospital overseas as a bed care patient.
26 273.7 Resumption of overseas journey. In addition to the Exclusions applying to all sections
We will pay for your transport costs up to $5,000 per of the Overseas Travel Insurance Plan,
person, for you to return overseas to resume your The Benefits in Section 1 also exclude the following:
overseas journey if:
1 Where alternative travel or accommodation is paid
(a) during your overseas journey, we had to return you by us, the non-refundable unused portion of travel or
back to Australia, as a result of your accidental injury accommodation arrangements.
or illness; the unforeseeable death, accidental injury,
2 Any claim arising as a result of cancellation, delays or
illness of your relative under 80 years of age, business
rescheduling caused by carriers; or strikes by airline
partner or travelling companion; and
staff, airline contractors or suppliers or another airline
(b) the unforeseen death, accidental injury, or illness entity.
occurred after you booked your travel arrangements in
3 Cancellation or disruption to travel relating to your or
Australia; and
your travelling companion’s business or employment,
(c) your overseas journey has not ended and there is at including but not limited to, being unable to obtain
least a quarter of the overseas journey remaining, or leave of absence from that employment. This exclusion
fourteen (14) days, whichever is the greater. does not apply if you are retrenched from your usual
We will only pay the cost of a one-way ticket to the full time employment in Australia.
location which, at the time of your return, was stated on 4 Claims arising from the inability of any tour operator
your original itinerary, as your expected destination at the or wholesaler to complete arrangements for any tour
date of your return. If we had used your original return due to an insufficient number of people required to
tickets to return you to Australia, we will provide you with commence or conduct a tour or overseas journey.
return tickets to your usual place of residence. The most Cancellation and Amendment Costs (under sub-sections
we will pay under this section is $10,000. 1.1 and 1.2) or Additional Overseas Travel Expenses
(under sub-sections 3.4, 3.5, 3.6, 3.7 and 3.8) incurred
3.8 Return of Rental Vehicle
as a result of any Terrorist Act.
If you hired a rental vehicle and you are declared in
writing, as unfit to drive by a legally qualified medical
practitioner, we will pay the reasonable costs incurred by
you up to a maximum of $250 per overseas journey to
return your rental vehicle to the nearest depot.
28 29Section 2 Sub-Section 2.2 Emergency Replacement of Luggage
If your accompanying luggage checked-in on a scheduled
Luggage, Personal Effects and Travel Documents flight is delayed, misdirected or temporarily misplaced by
any airline operator for more than twelve (12) hours. For
An excess of $200 applies to each and every claim
the emergency replacement of luggage items, we will pay
arising from the same event, made under sub-sections
up to $300 for singles and $600 in total for family. Your
2.1 and 2.4. There is no excess applied to claims under
claim must be supported by written confirmation from the
subsections 2.2 and 2.3.
conveyance responsible and receipts for the replacement
All losses or damage due to theft or vandalism must be items you needed to purchase.
reported to the police or authorities, or if the loss occurs
in a hotel, the hotel management as soon as possible. Any Sub-Section 2.3 Loss of documents
loss of credit cards, debit cards, traveller’s cheques and We will pay the non-recoverable cost you have incurred
travel documents must be reported as soon as possible for the replacement of personal travel documents, credit
to the issuing authority and the appropriate cancellation cards, debit cards and traveller’s cheques taken with you
measures taken. on the overseas journey.
Sub-Section 2.4 Identity theft
Sub-Section 2.1 Accompanied luggage and
We will pay for your legal liability for payment arising out
personal effects
of the unauthorised use of your travel documents, credit
In the event of accidental loss of, theft or damage to your
cards, debit cards and/or traveller’s cheques, if during the
accompanied luggage and personal effects, we will pay
overseas journey they are stolen by any person who is not
for any one item, set or pair of items a maximum amount
your relative or travelling companion.
of $2,000.
In addition to the Exclusions applying to all sections of
For laptop computers inclusive of all accessories, the this Overseas Travel Insurance Plan:
maximum amount we will pay is $6,000. The Benefits in Section 2 exclude the following:
At our option, we may choose to replace, repair, or pay 1 Damage or loss caused by electrical or mechanical
for the loss by direct debit, after making allowance for breakdown.
depreciation, and wear and tear. 2 Any damage to fragile items. This Exclusion is not
The nominated depreciation rate will apply to Depreciation applicable to photographic or video equipment,
each year of age up to a maximum of 80% of Rate binoculars, spectacles or contact lenses.
the original purchase price of that item.
3 Wear and tear, deterioration, or losses caused by
Toiletries including skin care, makeup, perfume, 50%
medications atmospheric or climatic conditions, mould or fungus,
Personal and or laptop computers, 20% insects, rodents, vermin, or any process of cleaning,
communication or photographic equipment, ironing, repairing, restoring or alteration.
electronic equipment
4 Luggage, personal effects or travel documents which
Clothing, footwear, personal effects, luggage 15%
and books are:
Camping, sporting and leisure equipment (not 10% (a) left unattended in any public place, or
leisure clothing) and musical instruments
(b) left in an unlocked and unattended vehicle or
Items not listed above will also be subject to depreciation at our sole discretion.
building, or
30 31(c) shipped under any freight agreement, or items sent (b) any of your employees arising out of or in the
by postal or courier services. course of employment.
5 Unaccompanied luggage, personal effects or travel 2 Loss of or damage to property owned by, or in the
documents. control of:
6 Loss, damage to sporting equipment whilst in use. (a) you; or
7 Loss, damage to, or theft of any goods that are (b) any member or your family permanently residing
intended or used for sale or trade. with you; or
8 Losses due to devaluation or depreciation of currency. (c) your employees arising out of or in the course of
9. Loss or theft of cash. employment.
10. Loss, damage to, or theft of household furniture. 3 Loss of or damage to property or bodily injury, arising
out of your:
Section 3 (a) ownership; or
(b) use or possession of any mechanically propelled
Personal Liability vehicle or air or waterborne craft; or
We will pay up to the sum insured limits stated in the (c) business, trade or profession including professional
Schedule of Benefits all damages and compensation, advice given by you.
including legal expenses, incurred by you with our written 4 Any contract unless such liability would have been
consent which you are legally liable to pay as a result of incurred in the absence of that contract.
your negligence during the overseas journey causing: 5 Punitive, aggravated or exemplary damages.
– bodily injury including death or illness; 6 Penalties or fines.
– loss of or damage to property. 7 Any loss covered under workers compensation
You are not to admit fault or liability to any other person legislation, an industrial award or agreement, or
without our prior written consent. accident compensation legislation.
If you do so, we may reduce the amount payable under 8 Any Terrorist Acts.
in respect of the claim. An excess of $200 applies to each
claim arising from the same event.
In addition to the Exclusions applying to all sections of
this Overseas Travel Insurance Plan:
The Benefits in Section 3 also exclude payment for
damages, compensation or legal expenses in respect
of any liability directly or indirectly caused by:
1 Bodily injury to:
(a) you or any member of your family permanently
residing with you.
32 33Section 4 Section 5
Rental vehicle damage and theft excess Waiver Accidental Death and Loss of Income
In the event of a loss or damage to a rental vehicle rented
Sub-Section 5.1
by you during the rental period, we will reimburse you for
any excess or deductible up to a maximum Benefit limit of Accidental Death Benefits
$5,000 per overseas journey, which you are legally liable We will pay the following Accidental death Benefits, if
to pay. No excess applies to claims under this Section 4. you die within twelve (12) calendar months as a result
Provided that: of an injury caused by an accident during your overseas
journey:
(a) You rented the rental vehicle from a licensed rental
agency; and (a) NAB cardholder $150,000;
(b) The rental vehicle hiring arrangement includes (b) Spouse travelling with the NAB cardholder $75,000;
comprehensive motor insurance against loss or (c) Each Dependent child $50,000 up to a maximum
damage; and of $150,000 for all dependent children in any one
(c) You have satisfied all requirements of the rental accident.
vehicle’s hiring agreement and the comprehensive In respect to the Accidental death Benefits described in
motor insurance policy. this sub-section, we will only pay NAB cardholder
No excess applies to claims under this Section 4 Accidental death Benefits once in respect of all overseas
In addition to the Exclusions applying to all sections journeys purchased on a single NAB Card. All other
of this Overseas Travel Insurance Plan persons, including additional cardholders, covered under
The Benefits in Section 4 also exclude the following: this Overseas Travel Insurance Plan would only be eligible
for Accidental death Benefits payable under spouse or
1 Any loss or damage as a result of operating the rental
dependent child.
vehicle in violation of the terms of the rental vehicle
hiring agreement. Sub-Section 5.2
2 Wear and tear, gradual deterioration, damage from
Loss of income
insects or vermin, inherent vice or damage.
If as a result of an accident you are injured overseas
3 Any loss or damage sustained as a result of operating during your overseas journey and within ninety (90)
the rental vehicle beyond the limits of any public days of being injured you are unable to generate income
roadways or on any roadways inaccessible to two-wheel because you cannot do your normal work when you
drive cars. return to Australia. We will pay your usual income,
4 Any loss or damage sustained as a result of operating up to a maximum of $1,000 per week for as long as
a campervan, caravan or any vehicle that requires you are unable to perform your pre-overseas journey
a license other than a car licence (irrespective of employment, up to a maximum Benefit period of thirteen
whether you hold such a licence). (13) weeks from the time you return to Australia.
34 35In addition to the Exclusions applying to all sections of
this Overseas Travel Insurance Plan:
Section 8
The Benefits in Section 5 also exclude the following: Kidnap and Ransom
1 Accidental death if covered under the NAB Card If you are kidnapped during the overseas journey, we
Insurance Transport Accident Insurance Plan. will reimburse you up to $250,000 per person for the
2 The first four (4) weeks after you intended to resume ransom costs paid by us on your behalf, as a result of your
your employment. kidnapping, less any recoveries.
3 Any injury covered by workers compensation, statutory If part of or all of the ransom is recovered, you agree to
Benefits or any other insurance. reimburse us the full value of the amount recovered as
4 Inability to work as a result of sickness or disease. soon as practicable.
In addition, we will pay necessary and reasonable
Section 6 expenses incurred by you, following receipt of a ransom.
These expenses include:
Hijack and Detention
(a) Fees and expenses of an independent security
If the conveyance you are travelling in is hijacked consultant retained by you and approved by us.
or detained we will pay $100 for each consecutive
(b) Interest paid on monies borrowed from a financial
twentyfour (24) hour that you are held captive up to
institution for the purpose of paying ransom. The
a maximum Benefit limit of $10,000 per person. The
maximum amount we will pay shall be for a term not
maximum Benefit payable under this section is $20,000
exceeding thirty (30) days prior to the payment of the
for a family.
ransom until the first business day after you receive
settlement from us, on a principal sum not exceeding
Section 7 $250,000, and for a rate of interest not exceeding two
percent (2%) above the contemporary overdraft interest
Missed Special Event rate charged by the NAB.
If your overseas journey is to attend a wedding, funeral, (c) Any other necessary expenses incurred for the purpose
conference or sporting event which cannot be delayed of investigating, negotiating, or paying a ransom
due to your late arrival and the overseas journey is demand or costs in recovering you, but with the
delayed because of something unexpected and beyond exception of:
your control, we will pay the reasonable additional cost
(i) expenses, fees or damages incurred as a result of
incurred by you for your use of alternative conveyance
any proceeding brought against you arising out of
to arrive at your destination on time, up to a maximum
the kidnapping or the way it was handled; and
Benefit limit of $3,250 per family or the cost of your
(ii) expenses, losses or damages caused by interruption
missed special event, whichever is the lesser amount.
to any business subject to the Benefit Limits.
36 37Conditions of payment:
1 You must take all reasonable precautions to keep this
Section 9
Kidnap And Ransom Benefit confidential. What to do in the event of a claim
2 We will not: 1 All claims should be advised to us within thirty (30) days
(a) act as an intermediary or negotiator for you; after completion of your overseas journey.
(b) offer direct advice to you on dealing with the 2 To support your claim, you:
kidnapper. (a) Must retain all receipts for claimable expenses and
3 Upon receiving notification that you have or may have items purchased by you.
been kidnapped, every reasonable effort must be made (b) Must submit to us all information we require in
to: support of your claim, such as medical or police
(a) determine whether you have been kidnapped; reports, declarations, receipts, valuations, certified
(b) immediately notify the appropriate law enforcement translations or other evidence of ownership at your
authorities and comply with their recommendations own expense and co-operate with us at all times.
and instructions; (c) Will be requested to provide proof that you have
(c) record serial numbers or other identifying satisfied the Plan activation conditions and that you
characteristics of any currency or goods delivered to have met all the terms and conditions under this
secure the release of the kidnapped person and Overseas Travel Insurance Plan.
(d) immediately notify us of the kidnapping or 3 Liability claims against you must be in writing. You are
suspicion of it. not to make any admission or offer to settle any claim.
4 If investigation establishes any collusion or fraud by If you do so, we may reduce the amount payable in
you or any other person in your family or travelling respect of the claim.
companion, you will reimburse us for any payment we 4 All losses under luggage and travel documents section
have made under this section. must be reported to the local authority within twenty-
In addition to the Exclusions applying to all sections four (24) hours and a written acknowledgment
of this Overseas Travel Insurance Plan. obtained.
5 For medical expense items, you must submit accounts
The Benefits in Section 8 also exclude:
to your private health fund before submission to us.
(a) If you have in the past:
6 Immediately report any lost luggage or damage to the
(i) been declined, cancelled or issued with special conveyance carrier and submit a claim to them.
conditions for kidnap insurance; or
The conveyance carrier may be legally liable for the loss
(ii) suffered a kidnapping or attempted kidnapping; or or damage.
(iii) had an extortion demand made against you. For claims and claims enquiries please call:
(b) For any kidnapping occurring in Mexico or in any
Our Toll free number at: 1800 187 025
country located in Central or South America.
If overseas, call +61(02) 8862 8805. Please note that this is
not a toll free number
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