NAB CARD INSURANCE Policy Information Booklet effective 13.03.2018

 
NAB CARD
INSURANCE
Policy Information Booklet
effective 13.03.2018
CONTENTS                                                  ABOUT THIS BOOKLET
NAB Card Insurance Policy                                 This document contains important information to help you
Information Booklet                                Page   understand the insurance. It is up to you to choose the
                                                          cover you need. Any advice in this booklet is of a general
Important Information                                 2   nature only and has not considered your objectives,
Group policies: About your right to access cover      3   financial situation or needs. You should carefully consider
Policy numbers                                        4   the information provided having regard to your personal
                                                          circumstances to decide if it is right for you.
Letter of eligibility                                 4
Termination of Policy                                 4   For more information or to make a claim
Emergency and medical assistance                          Please take the time to read through this booklet and
services – QBE Assist                                 5   if you have any questions or need more information,
                                                          or to make a claim, please contact:
Privacy                                               6
The General Insurance Code of Practice                6   QBE Travel
Resolving complaints & disputes                       7   General Enquiries
                                                          Within Australia:       1800 187 025 (Toll free)
Financial claims scheme                               9
                                                                                  (Office Hours Mon-Fri: 8:30-17:00)
Policy Wording                                        9   Outside of Australia:   +61 2 8862 8805 (Not toll free)
Our agreement                                         9   Email:                  travel.service@qbe.com
Words with special meanings                          10
                                                          Emergency Assistance
Overseas travel and medical insurance cover          18   24 hours 7 days
Interstate Flight insurance cover                    44   Outside of Australia: +61 3 8523 2800
Domestic hotel burglary insurance cover              52   Email:                qbeassist@qbe.com
Transport accident insurance cover                   55   Claims
Extended warranty insurance cover                    59   Email:           travel.claims@qbe.com
Purchase protection insurance cover                  63   Postal Address:	P.O Box 12090
Price protection insurance cover                     68                    Melbourne VIC 8006

General conditions                                   71   Other insurance
Claims                                               72   NAB is the policy owner. As an eligible cardholder, you
What to do in the event of a claim                   73   have the benefit of insurance cover as a third party
                                                          beneficiary. The insurance cover is for your benefit
Other terms                                          78
                                                          pursuant to the policy entered between QBE and NAB;
Currency                                             78   the details of which are outlined in this booklet.
Jurisdiction                                         78   If you are entitled to receive a benefit or make a
                                                          claim under another insurance policy (for example a
                                                          comprehensive travel insurance policy), for the same loss
                                                          as your claim under this policy, then QBE is not liable to
                                                          provide indemnity under this policy until the amount
                                                          of any indemnity under that other insurance policy is
QM5027-1017
                                                          exhausted. In other words, any insurance cover under
                                                                                                                        1
this policy in respect of the same loss shall only be excess
    insurance cover over and above the applicable other policy.    GROUP POLICIES: ABOUT YOUR
    About QBE Australia                                            RIGHT TO ACCESS COVER
    QBE Insurance (Australia) Limited ABN 78 003 191 035           This Policy is a group policy which NAB has entered
    is a member of the QBE Insurance Group Limited                 into with QBE for the period of insurance.
    ABN 28 008 485 014 (ASX: QBE). QBE Insurance Group             Access to each cover is provided to you if you meet the
    is Australia’s largest international general insurance and     eligibility criteria specified. The access to the benefit
    reinsurance group, and one of the top 25 insurers and          of cover under the Policy is provided to you solely by
    reinsurers worldwide. The company has been operating           operation of section 48 of the Insurance Contracts Act
    in Australia since 1886 and continues to provide insurance     1984 (Cth).
    solutions that are focused on the needs of policyholders.
                                                                   You have no right to cancel or vary the Policy – only NAB
    QBE is a respected name in Australian insurance,               who has obtained this Policy from QBE and QBE can do
    backed by sizeable assets, and well known as a strong          this. If the policy is cancelled or varied by us, we do not
    and financially secure organisation.                           need to obtain your consent to do so.
    QBE is the product issuer of the policy detailed in this       We also do not provide you with any notices in relation
    document and the benefits are provided at no additional        to this Policy. We only send notices to NAB who we have
    cost to the NAB Cardholder. NAB is not the product issuer      a contractual obligation to notify. You are not obliged
    (insurer) of this policy and neither it nor any of             to accept any of the benefits of this Policy but if you wish
    its related corporations guarantee any of the benefits         to make a claim under any section, you will be bound
    under this cover and NAB does not receive any                  by the terms, conditions, limitations and exclusions set
    commission or remuneration in relation to these                out in the Policy.
    benefits. Neither NAB nor any of its related corporations
                                                                   Neither we nor NAB hold the cover(s) or the benefits
    are authorised representatives under the Corporations
                                                                   provided under the Policy on trust or for your benefit
    Act 2001 (Cth) of QBE or any of its related companies.
                                                                   or on your behalf.
                                                                   NAB does not:
    IMPORTANT INFORMATION                                          •   act on behalf of us or you in relation to the Policy;
    The information provided in this section includes high         •   provide, and is not authorised to provide, any financial
    level information about this Policy including your duty            product advice, recommendations or opinions about
    of disclosure, privacy, how to make a claim, our dispute           the Policy or any cover; and
    resolution process and other relevant information.             •   receive any remuneration or other benefits from us.
    The Policy Wording section sets out the detailed terms,        If you are seeking to access the benefit of the Policy,
    conditions and exclusions relating to the following            you should consider obtaining advice as to whether
    insurance covers:                                              it is appropriate for your needs from a person who is
    •   Overseas travel and medical insurance cover                licensed to give such advice.
    •   Interstate flight insurance cover                          Nothing prevents you from entering into other
    •   Domestic hotel burglary insurance cover                    arrangements regarding insurance. To confirm if you
    •   Transport accident insurance cover                         have access to the Policy, and its currency, please refer
    •   Extended warranty insurance cover                          to the section titled ‘For more information or to make
                                                                   claim’ at the front of this booklet.
    •   Purchase protection insurance cover
    •   Price protection insurance cover
2                                                                                                                                 3
POLICY NUMBERS                                                 EMERGENCY AND
    Insurance cover
    Overseas travel and medical
                                               Policy number
                                               NB14000001-00
                                                                   MEDICAL ASSISTANCE SERVICES
    insurance cover
    Interstate flight insurance cover          NB14000002-00
                                                                   – QBE ASSIST
    Domestic hotel burglary insurance cover    NB14000003-00       QBE Assist contact details
    Transport accident insurance cover         NB14000004-00       If you’re overseas and need assistance, QBE Assist are
    Extended warranty insurance cover          NB14000007-00       on call 24 hours a day, 7 days a week.
    Purchase protection insurance cover        NB14000005-00       Contact our Emergency Assistance team using the
    Price protection insurance cover           NB14000006-00       contact details below.
                                                                   Within Australia:     (03) 8523 2800
                                                                   Outside of Australia: + 61 3 8523 2800
    LETTER OF ELIGIBILITY                                          Fax:                  + 61 3 8523 2815
    QBE will respond to requests from NAB Cardholders              Email:                qbeassist@qbe.com
    seeking a policy number by providing a letter of eligibility
    which sets out:
    (a) the NAB Cards Insurances policy number; and
    (b) the eligibility criteria.

    TERMINATION OF POLICY
    NAB may terminate or amend the Policy at any time and
    if this happens NAB will provide written notification to
    the Primary Cardholder. Notice will be deemed to take
    effect either:
    a. on the third day after the date of the notice; or
    b. in the event that the Primary Cardholder is on a trip
       and cannot be contacted, immediately upon their
       return to their place of residence following their trip.
    Purchases made in accordance with the eligibility criteria
    for a cover before a notification to terminate is given will
    be covered. Purchases made after this notification to
    terminate is given will not be eligible for cover.
    It is the responsibility of the Primary Cardholder to
    inform any additional cardholders of the termination
    and or changes to the Policy when notified to the
    Primary Cardholder by NAB.

4                                                                                                                           5
PRIVACY                                                      RESOLVING COMPLAINTS
    We’ll collect personal information when you deal with
    us, our agents, other companies in the QBE group or
                                                                 & DISPUTES
    suppliers acting on our behalf. We use your personal         At QBE we’re committed to providing you with quality
    information so that we can do business with you, which       products and delivering the highest level of service.
    includes issuing and administering our products and          We also do everything we can to safeguard your privacy
    services and processing claims. Sometimes we might           and the confidentiality of your personal information.
    send your personal information overseas. The locations
                                                                 Something not right?
    we send it to can vary but include the Philippines, India,
                                                                 We know sometimes there might be something you’re
    Ireland, the UK, the US, China and countries within the
                                                                 not totally happy about, whether it be about our staff,
    European Union.
                                                                 representatives, products, services or how we’ve handled
    Our Privacy Policy describes in detail where and from        your personal information.
    whom we collect personal information, as well as where
    we store it and the full list of ways we could use it.       Step 1 – Talk to us
    To get a free copy of it please visit qbe.com.au/privacy     If there’s something you’d like to talk to us about, or if
    or contact our Customer Care Unit.                           you’d like to make a complaint, speak to one of our staff.
                                                                 When you make your complaint please provide as much
    It’s up to you to decide whether to give us your personal
                                                                 information as possible. They’re ready to help resolve
    information, but without it we might not be able to
                                                                 your issue.
    do business with you, including not paying your claim.
                                                                 You can also contact our Customer Care Unit directly to
                                                                 make your complaint. Our aim is to resolve all complaints
    THE GENERAL INSURANCE                                        within 15 business days.

    CODE OF PRACTICE                                             Step 2 – Escalate your complaint
                                                                 If this hasn’t happened, or if you’re not happy with how
    QBE Australia is a signatory to the General Insurance
                                                                 we’ve tried to resolve it, you can ask for your complaint
    Code of Practice.
                                                                 to be escalated for an Internal Dispute Resolution (IDR)
    The Code aims to:                                            review by a Dispute Resolution Specialist.
    •   Commit us to high standards of service                   The Dispute Resolution Specialist will provide QBE’s final
    •   Promote better, more informed relations between          decision within 15 business days of your complaint being
        us and you                                               escalated, unless they’ve requested and you’ve agreed
    •   Maintain and promote trust and confidence in the         to give us more time.
        general industry
                                                                 Step 3 – Still not resolved?
    •   Provide fair and effective mechanisms for the            If you’re not happy with our decision, or if we’ve taken
        resolution of complaints and disputes between            more than 45 days to respond to you from the date
        us and you                                               you first made your complaint, you can contact the
    •   Promote continuous improvement of the general            Financial Ombudsman Service Australia (FOS Australia).
        insurance industry through education and training.       FOS Australia is an ASIC approved external dispute
    More information is available on www.codeofpractice.         resolution body.
    com.au or follow the links from the Insurance Council
    of Australia’s website at www.ica.com.au.

6                                                                                                                             7
FOS Australia resolves insurance disputes between
    consumers and insurers, at no cost to you. QBE is bound          FINANCIAL CLAIMS SCHEME
    by FOS Australia’s decisions – but you’re not. You can           This Policy is a protected policy under the Financial
    contact FOS Australia directly and they’ll advise you            Claims Scheme (FCS), which protects certain insureds and
    if your dispute falls within their Terms of Reference.           claimants in the event of an insurer becoming insolvent.
                                                                     In the unlikely event of QBE becoming insolvent you may
    Disputes not covered by the FOS Australia Terms
                                                                     be entitled to access the FCS, provided you meet the
    of Reference
                                                                     eligibility criteria.
    If your dispute doesn’t fall within the FOS Terms of
                                                                     More information may be obtained from APRA
    Reference, and you’re not satisfied with our decision
                                                                     www.apra.gov.au or 1300 55 88 49.
    then you may wish to seek independent legal advice.

    Privacy complaints
    If you’re not satisfied with our final decision and it relates
                                                                     POLICY WORDING
    to your privacy or how we’ve handled your personal               This Policy is underwritten by QBE Insurance (Australia)
    information, you can contact the Office of the Australian        Limited ABN 78 003 191 035.
    Information Commissioner (OAIC).

    How to contact QBE’s CCU, FOS Australia or the OAIC              OUR AGREEMENT
    How to contact QBE's Customer Care Unit                          This Policy is a legal contract between NAB and us.
    Phone     1300 650 503 (Monday to Friday from 9am                NAB pays us a premium and you may access the benefit
              to 5pm, except on public holidays).
                                                                     of cover under the Policy, provided that you meet the
                Calls from mobiles, public telephones or hotel
                                                                     eligibility criteria at the time the loss or damage occurs.
                rooms may attract additional charges.
                                                                     There are:
    Email       complaints@qbe.com, if you’d like to make
                a complaint.                                         •   conditions and exclusions which apply to specific
                privacy@qbe.com, if you want to contact us about         covers or sections
                privacy or your personal information.                •   general exclusions, which apply to any claim you
                customercare@qbe.com, if you’d like to give us           make under any section or cover
                feedback or pay us or our staff a compliment.
                                                                     •   general conditions, which set out your responsibilities
    Post        Customer Care Unit                                       under this Policy
                GPO Box 219
                                                                     •   claims conditions, which set out your responsibilities
                PARRAMATTA NSW 2124
                                                                         when you make a claim, and
    How to contact FOS Australia                                     •   other terms, which apply to how this Policy operates.
    Phone     1800 367 287 (Office Hours: 9am to 5pm
              Melbourne time Monday to Friday)                       Excesses
    Online      www.fos.org.au                                       If you make a claim, you must pay the excess set out in
                                                                     the schedule of benefits for every claim you make which
    How to contact the OAIC                                          applies to that cover or section.
    Phone     1300 363 992 (National toll free)
                                                                     How much we will pay
    Email       enquiries@oaic.gov.au
                                                                     The most we will pay for a claim is the sum insured set
    Online      www.oaic.gov.au                                      out in the schedule of benefits for the cover or section
                                                                     you are claiming under, less any excess.
8                                                                                                                                  9
WORDS WITH                                                          Dependent children
                                                                         or Dependent child
                                                                                                means your unmarried child or children
                                                                                                who are:

     SPECIAL MEANINGS                                                                           (a) eighteen (18) years of age or
                                                                                                     younger; or
     There are some words in this Policy that have a special                                    (b) twenty-four (24) years of age
     meaning. These words and their meanings are set out                                             or younger if they are full time
     in the table below.                                                                             students at an institution of
                                                                                                     higher learning;
     Word or term         Meaning
                                                                                                and at the time of a covered event
     Accident or          any sudden, unforeseen and                                            giving rise to a claim are primarily
     Accidental           identifiable event which happens                                      dependent upon you for maintenance
                          by chance.                                                            and support and who are travelling
     Business day         a day other than a Saturday or Sunday                                 with you on the journey.
                          or a day gazetted as a public holiday
                                                                                                A child who is physically or mentally
                          throughout Australia.
                                                                                                incapable of self support upon
     Burglary             an unlawful and forcible entry to                                     attaining the age of eighteen (18)
                          premises by a person or persons with                                  years shall continue to be covered
                          intent to steal.                                                      under this policy as a dependent
     Carrier(s)           the scheduled airline, vessel, train,                                 child, for as long as the child remains
                          or motor coach transport in which you                                 incapacitated and unmarried.
                          are to travel to or from your intended                              The dependent child must have been
                          destination.                                                        born before the start of the trip.
     Conveyance           an aircraft, vehicle, train, vessel or other   Electronic equipment portable game consoles, portable
                          public transportation that is licensed to                           media players, and satellite navigation
                          carry fare paying passengers.                                       units.
     Covered breakdown    the failure of a covered product to            Eligibility criteria the criteria which you must meet to
                          operate for the purpose for which it                                obtain the benefit of cover under this
                          was designed, due to a breakdown or                                 Policy. The eligibility criteria are set
                          defect, which would be covered by the                               out within the introductory section for
                          terms of the original warranty if that                              each cover.
                          warranty had not yet expired.
     Covered product      a new domestic appliance product
                          purchased in Australia during the cover
                          term that has an original warranty of at
                          least six (6) months and no more than
                          five (5) years and which is paid for in
                          full by a NAB Cardholder with a NAB
                          Card account.

10                                                                                                                                        11
Existing medical      a condition which is relevant to you,        Injury                bodily injury that is caused solely
     condition             a member of your travelling party,                                 and directly by external and visible
                           relative or any other person and means:                            means as a result of an accident and
                           (a) any existing medical condition                                which does not result from an illness
                                (including but not limited to mental                          or disease.
                                disorder, anxiety, alcoholism, drug     Interstate flight     travel on a registered and scheduled
                                addiction or pregnancy); and/or                               commercial airline (but not charter
                                any chronic or ongoing medical or                             trips) between two or more Australian
                                dental condition, of which you were                           States and/or territories, including
                                aware, or for which investigation,                            the state and/or the territory in which
                                (whether or not a diagnosis has                               you reside.
                                been made) treatment or advice was      Interstate journey    the interstate travel you undertake and
                                received, or medication prescribed                            the shorter period commencing from
                                or taken at any time before you met                           the time you leave your usual place
                                the eligibility criteria;                                     of residence in Australia to travel
                           (b) any complication arising from any                             directly to the airport from where you
                                of the conditions expressed in                                are catching your interstate flight, until:
                                paragraph (a) above.                                          1. the time you return to your usual
                           Unexpected or unforeseen events                                        place of residence in Australia, or
                           relating to pregnancy are not regarded                             2. the expiry of fourteen (14)
                           as an existing condition.                                              consecutive days following the time
     Extended warranty     1. Where the original warranty is at                                  that you leave any place in Australia
     period                    least six (6) months but less than                                 to travel directly interstate. The
                               twelve (12) months;                                                maximum duration of coverage is
                           The original warranty period                                           fourteen (14) consecutive days.
                           is doubled.                                  Kidnapping/           the wrongful abduction and detention
                                                                        kidnapped/            of you against your will or by deception
                           2. Where the original warranty is
                                                                                              by a person or group for the purpose
                               between twelve (12) months and
                                                                                              of obtaining a ransom, kidnap or
                               five (5) years;
                                                                                              extortion payment as a condition of
                           The period commencing from the                                     your release.
                           date the original warranty expires
                                                                        Medically necessary   treatment that is appropriate for your
                           and ending no later than twelve (12)
                                                                                              illness or injury, consistent with your
                           months after commencement of the
                                                                                              symptoms, and that can be safely
                           extended warranty period.
                                                                                              provided to you. It meets the standards
     Family, families or   your spouse and your dependent                                     of good medical practice and isn’t for
     family members        children who are travelling with you.                              your convenience or the provider’s
     Financial default     the insolvency, bankruptcy, provisional                            convenience.
                           liquidation, financial collapse,             Motorcycle            a single, two or three wheeled vehicle
                           appointment of receivers, or any other                             that is powered or partly powered to
                           form of insolvency administration of                               move by its own motor. Motorcycle
                           any person, company, or organisation.                              includes these vehicles or any of their
     Home in Australia     your usual residential address in                                  accessories or spare parts:
                           Australia. If you do not travel directly                           1. motorcycles and mini-motorcycles;
                           to your home in Australia at the                                       and
                           completion of your trip, it means your
                           point of arrival or an Australian hospital                         2. motorised scooters, motorised
                           if we repatriate you.                                                  bicycles, mopeds, motorised
                                                                                                  skatebords and quad bikes,
                                                                                                  but does not include mobility
                                                                                                  scooters designed to accommodate
12                                                                                                physical disabilities or the elderly.     13
NAB                   National Australia Bank Limited              Original warranty   the implied obligations, rights and
                           ABN 12 004 044 937 AFSL 230686,                                  duties embodied in the written
                           of 800 Bourke Street, Docklands,                                 warranty provided by the manufacturer,
                           Victoria 3008                                                    which is applicable in Australia, of the
     NAB Card              a current NAB credit card or NAB Visa                            covered product when it is purchased
                           Debit Card.                                                      new. The warranty must have coverage
     NAB Cardholder        a permanent resident of Australia                                of no less than six (6) months and no
                           to whom NAB has issued a NAB Card                                more than five (5) years.
                           and includes the Primary Cardholder          Personal computer   laptops, notebooks, tablet PCs,
                           and any additional cardholder to                                 personal digital assistants (PDA’s),
                           whom a NAB card has been issued                                  smart phones, and any other hand-held
                           for use on the same account, unless                              wireless devices that have the capacity
                           otherwise stated.                                                to convey data or information.
     NAB Credit Card       a current and valid personal NAB Low         Personal Goods      all new personal property acquired for
                           Fee Platinum Card, NAB Premium Card,                             domestic or household use, but not:
                           NAB Velocity Rewards Premium Card,                               • items acquired for re-sale, business
                           NAB Qantas Rewards Signature Card,                                  or commercial use, or purchased in
                           NAB Qantas Rewards Premium Card,                                    a business name;
                           NAB Rewards Signature Card, NAB                                  • consumables or perishables;
                           Rewards Platinum Card, NAB Low Rate
                           Platinum Card, NAB Qantas Plus Card or                           • contraband; second-hand items
                           NAB flybuys Rewards Card.                                           or antiques;
     NAB Visa Debit card   a current and valid personal NAB Visa                            • items intended for or have become
                           Gold Debit Card or NAB Platinum Visa                                landlord’s fixtures and fittings real
                           Debit Card.                                                         estate. Fixed or movable fixtures or
                                                                                               fittings, intended to form or have
     Overseas              outside of Australia and its territories,
                                                                                               become part of any real estate;
                           including any cruise that has a
                           scheduled stop at an international port.                         • real estate;
     Overseas Journey      the shorter period commencing from                               • computer software or non
                           the time you leave your home in                                     tangible items;
                           Australia to travel overseas, until:                             • animal or plant life;
                           1. the time you return to your home                             • any motorised or mechanically
                               in Australia; or                                                propelled vehicle, vessel or watercraft
                           2. Where a Signature Card was used to                              and/or their accessories;
                               meet the eligibility criteria for the                        • cash, bullion, negotiable instruments,
                               cover, 180 days and for all other NAB                           gift vouchers, traveller’s cheques or
                               Cards used to meet the eligibility                              tickets of any description;
                               criteria for the cover, 90 days; after
                                                                                            • sporting equipment while being
                               the date of departure from your
                                                                                               used;
                               home in Australia to go on your trip.
                                                                                            • mobile or cell phones if the phone
                           The maximum duration of coverage
                                                                                               is part of a telecommunication
                           is 180 days for Signature Cards and
                                                                                               provider’s post paid plan or any other
                           90 days for all other NAB Cards.
                                                                                               contractual arrangements;
                           For the Overseas travel insurance cover
                                                                                            • services; or
                           to apply, your overseas journey must
                           commence and conclude in Australia.                              • item(s) purchased prior
                                                                                               to 1 June 2014.
                                                                        Point of arrival    an airport, port, station or bus terminal
                                                                                            to which your pre-paid scheduled
                                                                                            public transport arrives.
14                                                                                                                                       15
Primary Cardholder      the person (s) in whose name (s) the          Repatriate(d) or    travel arrangements made by us for
                             participating account is in.                  repatriation        your return to your home in Australia
     Printed                 published marketing catalogue and/or                              or where we consider to be the nearest
     advertisement           brochure.                                                         suitable alternative.
     Professional sporting   an activity for which you receive             Resident(s) of      someone who currently resides
     activity                financial reward, sponsorship or              Australia           in Australia and is eligible for an
                             benefits from participating in or                                 Australian Medicare card.
                             training for that activity, regardless of     Return Interstate   the flight fare to depart the State and/
                             whether or not you are a professional         Airfares            or territory in which you reside and the
                             sportsperson.                                                     flight fare to return to the State and/or
     Public place            includes but is not limited to shops,                             territory in which you reside.
                             airports, train stations, bus stations,       Scheduled public    a public transport system that runs
                             streets, hotel foyers and grounds,            transport           to a timetable.
                             restaurants, beaches, public toilets,         Single or Singles   when you take a trip by yourself.
                             and any other place to which the public       Specified injury/   loss of life or bodily injury (but not an
                             has access.                                   injured             illness or sickness):
     Ransom                  any monetary loss, which you incur
                                                                                               (a) caused by an accident;
                             in the provision and delivery of cash,
                             marketable goods, services or property                            and
                             to secure your release.                                           (b) resulting independently of any
     Relative(s)             your spouse, child, parent, sibling,                                   other cause.
                             inlaws, grandparent, step-parent,                                 Furthermore “specified injury” as used
                             uncle, aunt, stepdaughter, step-son,                              with reference to hand or foot means
                             grandchild, guardian, fiancée, fiancé,                            complete severance through or above
                             halfsibling, niece, nephew or cousin                              the wrist in relation to hand(s) or
                             who is:                                                           ankle joint in relation to foot/feet
                             (a) resident in Australia or New Zealand                         and, as used with reference to eye,
                                  at the time you met the eligibility                          means irrecoverable loss of the entire
                                  criteria for the Overseas travel and                         sight thereof.
                                  medical insurance cover or the           Spouse              your spouse or de facto partner of
                                  Interstate flight insurance cover; and                       either sex, with whom you have
                             (b) under 80 years of age at the time                            continuously cohabited for a period
                                  you met the eligibility for cover                            of three (3) consecutive months or
                                  referred to above; but who does                              more and who travels with you on the
                                  not accompany you on a trip.                                 overseas journey.
                             In some circumstances you may be              Terrorist act (s)   an act or threat of force or violence
                             covered for events affecting your                                 by any person acting alone or in
                             relative(s). Please refer to What is                              association with an organisation
                             covered under each section of this                                or foreign government, where the
                             policy for more details.                                          purpose, by its nature or context, is
                                                                                               to put the public or a section of the
     Rental vehicle          any car, campervan, motorcycle or boat
                                                                                               public in fear, to resist or influence
                             you rent from a licensed rental vehicle
                                                                                               a government, or to further an
                             company and for which you have a
                                                                                               ideological, religious, ethnic or
                             signed contract with that company.
                                                                                               similar act.
     Repair agent            a dealer or independent service
                                                                           Travelling party    you and any travelling companion who
                             centre authorised by us to carry out
                                                                                               has made arrangements to accompany
                             assessment and/or repairs of covered
                                                                                               you for at least 50% of a trip.
                             products.

16                                                                                                                                         17
Trip(s)                the period beginning on the date of            Card prior to your departure from Australia. The
                            departure from your home in Australia          purchase must also have been transacted in one
                            and ends when you return to your               of the following ways:
                            home in Australia.
                                                                           – 	If using your NAB Credit Card – purchases using
     Unaccompanied          in relation to luggage, personal
                            effects or travel documents sent or left           your credit card facility directly charged by the
                            somewhere else by you so that they are             merchant or using the linked PayPal account; or
                            not travelling with you on your trip.          – 	If using your NAB Visa Debit Card – purchases using
     Unattended             leaving your luggage or personal                   your debit card either by using the physical card or
                            effects either in a place where it can
                            be taken without your knowledge, or
                                                                               by providing the debit card number when paying
                            at a distance from which you cannot                for your purchases or using linked PayPal account.
                            prevent it from being taken.                	Purchases using a linked account without the use
     War                    armed conflict between nations                of the NAB Credit Card or NAB Visa Debit Card
                            including forces acting for any
                                                                          (e.g. by direct credit from your NAB Internet Banking
                            international authority whether war be
                            declared or not; invasion; civil war; any     facility, Paypal, BPay or Secure Pay or any other
                            attempt to usurp power or any activity        payment facility) will not be covered.
                            arising out of an attempt to participate    	Benefit limits for insureds between the age of 76 and
                            in military force between nations.
                                                                          90 are different to benefits for insureds under the
     We, our, us            QBE Insurance (Australia) Limited
                            ABN 78 003 191 035
                                                                          age of 76 and as noted on the schedule of benefits
     You, your              the NAB Cardholder and includes
                                                                          on page 20.
                            the NAB Cardholder’s spouse and             	* Award or loyalty points are not considered currency
                            dependent children.                           in determining achievement of minimum spend.

                                                                        Period of cover
     OVERSEAS TRAVEL AND                                                Unless stated otherwise under a particular section,
                                                                        the period of cover commences once you have left
     MEDICAL INSURANCE COVER                                            your home in Australia and ceases:
     You may access the benefit of this Overseas travel and             (a) when you complete your trip; or
     medical insurance cover:                                           (b) when you return to your home in Australia; or
     1. if you meet the eligibility criteria; and                       (c) where a Signature Card was used to meet the
     2. the loss or damage occurs during the period of cover.               eligibility criteria, 180 days or for all other NAB Cards
                                                                            used to meet the eligibility criteria, 90 days; after the
     Eligibility criteria                                                   date of departure from your home in Australia to go
     1. You were ninety (90) years of age or under before                   on your trip;
         the date of departure for your trip; and
                                                                        whichever occurs first.
     2. You (or the accompanying NAB Cardholder) had
                                                                        If something happens for which you can claim under
        purchased on a NAB card a minimum of $500*
                                                                        any of the sections of the overseas travel and medical
        (inclusive of taxes and other charges) of pre-booked
                                                                        cover, which causes you to extend your trip, your access
        transport costs (airfares and/or cruise) and/or land
                                                                        to the benefit of cover will continue until you can
        content (tours, hire cars or other hired transport
                                                                        reasonably complete your trip.
        and accommodation) prior to the commencement
        of the trip. The purchase must be debited to a NAB

18                                                                                                                                      19
Schedule of benefits
     Section            Benefits                                   Benefit Limits                           Benefit Limits
                                                                   For persons aged 75 years or under       For persons aged 76 years and over
                                                                   on the date you depart for a trip        up to 90 years on the date you depart
                                                                                                            for a trip
     Section A: Overseas medical and dental expenses
     Section A1         Overseas medical                           Unlimited                                Not available
     $300 Excess
     Section A2         Medical evacuation and repatriation        Unlimited                                Not available
     $300 Excess
     Section A3         Repatriation of remains                    Unlimited                                Not available
     $300 Excess
     Section A4         Hospital compensation                      $100 for every 24 hours up to            Not available
     Nil excess                                                    a maximum of $15,000.
                                                                   Where an injury is as a result of a
                                                                   mugging attack that has been reported
                                                                   to police we will pay you $500.
     Section A5         Critical illness or injury – emergency     Unlimited                                Not available
     $300 Excess        travel expenses for a friend or relative
     Section A6         Post-hospital accommodation                $100 per day up to a maximum             Not available
     Nil Excess                                                    of $500
     Section A7          Dental expenses due to sudden             $2,000                                   Not available
     $300 Excess         and acute pain
     Section B: Cancellation and additional expenses
     Section B1          Cancellation or holiday                   Unlimited, except Travel Agents          $5,000, except Travel Agents
     $300 Excess         deferment costs                           Cancellation fees up to a maximum        Cancellation Fees up to a maximum
                                                                   of $500 per person                       of $500 per person
     Section B2         Emergency travel arrangements              Unlimited                                Not available
     $300 Excess        and accommodation expenses
     Section B3         Loss of reward points                      Unlimited                                Not available
     $300 Excess
     Section C: Luggage and personal effects
     Section C1         Luggage and personal effects               $15,000 singles                          $15,000 singles
     $300 Excess        Maximum limit                              $20,000 families                         $20,000 families
                        Personal computer, cameras                 $6,000                                   $6,000
                        & video camera
                        Any other item                             $2,000                                   $2,000
     Section C2         Emergency luggage                          $300 singles                             $300 singles
     Nil Excess                                                    $600 families                            $600 families
                                                                   If, after 72 hours, your luggage has     If, after 72 hours, your luggage has
                                                                   still not been located then this limit   still not been located then this limit
                                                                   is doubled.                              is doubled.
     Section C3         Replacement of passports and               Unlimited                                Unlimited
     Nil Excess         travel documents
     Section C4         Fraudulent use of credit                   Unlimited                                Unlimited
     $300 Excess        or debit cards

20                                                                                                                                                   21
Section D: Extra travel cover
     Section D1           Travel delay                           Up to a maximum of:                     Not available
     Nil Excess                                                  $750 singles $1,500 families
     Section D2           Missed connection – special events     Maximum of $3,250 per family for        Maximum of $3,250 per family for
     $300 Excess                                                 all missed special events               all missed special events
     Section D3           Resumption of trip                     $5,000 singles                          Not available
     Nil Excess                                                  $10,000 families
     Section D4           Hijacking                              10,000 singles                          10,000 singles
     $300 Excess                                                 $20,000 families                        $20,000 families
     Section E: Rental vehicle expenses
     Section E1           Rental vehicle damage and theft        $5,000 per trip                         Not available
     $300 Excess          excess waiver
     Section E2           Return of rental vehicle               $250 per trip                           Not available
     Nil Excess
     Section F: Accidental death & loss of income
     Section F1           Accidental death                       $150,000 for NAB Cardholder.            $150,000 for NAB Cardholder.
     Nil Excess                                                  $75,000 for Spouse                      $75,000 for Spouse
                                                                 $50,000 for each dependant child        $50,000 for each dependant child
                                                                 up to a maximum of $150,000             up to a maximum of $150,000
     Section F2          Loss of income                          Your loss of income, up to $1,000 per   Not available
     Nil Excess                                                  week for a maximum of 13 weeks
     Section G: Personal liability and legal expenses
     Section G1          Personal liability and legal expenses   Up to $2,500,000                        Up to $2,500,000
     Nil Excess
     Section H: Kidnap and Ransom
     Section H           Kidnap and ransom                       Up to $250,000                          Up to $250,000
     Nil Excess

     •   This policy provides cover in Lord Howe Island, the                        Section A: Overseas medical and
         Cocos Island, Christmas Island and for domestic air                        dental expenses
         travel (when connecting to overseas travel) under
                                                                                    Section A1 – Overseas medical expenses
         sections B, C, D, E, F, G and H.
     •   Domestic air travel required to connect with overseas                      What is covered?
         travel or domestic air travel forming part of the                          We will cover you for necessary and reasonable
         overseas travel will be regarded as overseas travel as                     1. medical, surgical, hospital and ambulance and nursing
         long as the connecting flight is within 48 hours from                         home expenses you incur as a result of an illness
         the departure date. However medical and hospital                              or injury; or
         expenses are not covered within Australia.
                                                                                    2. dental treatment expenses you incur as a result
                                                                                       of an injury to healthy natural teeth;
                                                                                    that you suffer while you are overseas, or on-board
                                                                                    a cruise that includes a scheduled stopover at an
                                                                                    international port which we believe are medically
                                                                                    necessary to treat the illness or injury.

22                                                                                                                                             23
Conditions                                                      We will pay expenses which we believe are reasonable
     1. Any treatment you receive must be given by a medical         and necessary to bring you back to your home in
        practitioner, who is registered to practise in the country   Australia or to another destination of our choice. Before
        or jurisdiction where you receive treatment.                 we will pay this you must give us written certification
     2. Where you need treatment for an injury by a                  from your treating doctor that your evacuation or
        physiotherapist, chiropractor, osteopath or emergency        repatriation is necessary and that you cannot continue
        dental treatment, you may have the first 6 treatments        your trip.
        without asking us. Any treatments after that must be         The decision to evacuate or repatriate you is ours,
        with our consent.                                            and we will not pay for any evacuation or repatriation
     3. To determine if expenses are reasonable and necessary,       expenses unless it is medically justified and you have
        we may consider all relevant factors, including the          received our consent.
        average reimbursement received by the provider for           Based on the advice of your treating doctor we
        similar treatment.                                           will either;
     4. All expenses under this section must be incurred             (a) return you to your home in Australia with a medical
        within 24 months of the date of the illness or injury.           attendant; or
                                                                     (b) pay for a return economy class airfare, reasonable
     What is not covered?
                                                                         accommodation and additional expenses for a friend
     1. There is no cover under this section because of an
                                                                         or relative to fly to, remain with and escort you in
        illness or injury, the signs and symptoms of which you
                                                                         place of a medical attendant; or
        first became aware of after you booked your overseas
        travel tickets and before you went on your trip.             (c) return you to your home in Australia without
                                                                         an attendant.
     2. There is no cover for damage to dentures or dental
        prostheses under this section. Refer to section C1           What is not covered?
        “Luggage and personal effects” for cover that may            1. We will not cover you if you evacuate or repatriate
        be available.                                                   when it is not medically necessary or without our
     3. There is no cover for expenses incurred for dental              consent.
        treatment due to normal wear and tear or the normal          2. We will not pay for any expenses you incur to
        maintenance of dental health.                                   resume your trip after you have returned to your home
     Also refer to ‘Overseas travel and medical insurance cover         in Australia.
     exclusions’ on page 41.                                         3. For repatriation, we will not pay more than the cost
                                                                        of repatriation to your home in Australia.
     Section A2 – Medical evacuation and repatriation
                                                                     4. There is no cover under this section because of an
     Period of cover                                                    illness or injury, the signs and symptoms of which
     The cover under this section commences when you leave              you first became aware of after you met the
     your home in Australia for a trip and ends when we have            eligibility criteria and before you went on your trip.
     evacuated or repatriated you.                                   Also refer to ‘Overseas travel and medical insurance cover
                                                                     exclusions’ on page 41.
     What is covered?
     We will cover you if you have to interrupt your trip after
     it has begun because you have suffered an illness or
     injury while you are on your trip and, in our opinion,
     you need to be evacuated or repatriated.

24                                                                                                                                25
Section A3 – Repatriation of remains                          Section A6 – Post hospital accommodation

     What is covered?                                              Period of cover
     If you die during a trip, we will pay for expenses for your   The cover under this section commences when you are
     burial or cremation if your body is buried or cremated        discharged from an overseas hospital and ends when
     in the city or country of your death or the reasonable        your treating doctor deems you are fit to resume your
     costs of transporting of your remains to a funeral home       trip, or after 5 days, whichever occurs first.
     in Australia.
                                                                   What is covered?
     Section A4 – Hospital compensation                            We will cover you if you are hospitalised overseas
                                                                   for more than 48 hours because of an illness or injury
     Period of cover                                               which first happened while you were outside Australia
     The cover under this section commences when you are           on your trip, and you need accommodation to recover
     hospitalised overseas and ends when you are discharged        from your illness or injury after you leave hospital.
     from hospital.                                                Before we will pay this you must give us a written
                                                                   recommendation from your treating doctor and you
     What is covered?
                                                                   must have our consent.
     We will cover you if you are hospitalised overseas for
     more than 48 continuous hours because of an illness           What is not covered?
     or injury which first happened while you were outside         We will not pay for post-hospitalisation accommodation
     Australia on your trip.                                       expenses when you have also made a claim for cancelled
     Also refer to ‘Overseas travel and medical insurance cover    accommodation expenses covering the same period
     exclusions’ on page 41.                                       of time.

     Section A5 – Critical illness or injury – emergency travel    Section A7 – Dental expenses due to sudden and
     expenses for a friend or relative                             acute pain

     Period of cover                                               What is covered?
     The cover under this section commences when you are           We will cover you for dental treatment expenses you
     hospitalised overseas and ends when you are discharged        incur overseas to relieve sudden and acute pain. We
     from hospital.                                                will pay expenses which we believe are reasonable and
                                                                   necessary to treat the pain. Before we will pay this you
     What is covered?                                              must give us written certification from your treating
     We will pay for a return economy class airfare and            dentist that treatment was necessary to alleviate your
     reasonable accommodation for a friend or relative to          pain. Any treatment you receive must be given by
     travel directly to you, if you are hospitalised as a direct   a dentist or oral surgeon who is registered to practise
     result of you suffering a sudden life-threatening critical    in the country where you receive treatment.
     injury or illness during your trip. Before we will pay this
     you must give us a written recommendation from your           What is not covered?
     treating doctor and you must have our consent.                1. There is no cover for expenses incurred for dental
                                                                      treatment due to normal wear and tear or the normal
                                                                      maintenance of dental health.
                                                                   2. There is no cover for any dental expenses you incur
                                                                      in Australia.

26                                                                                                                            27
Also refer to ‘Overseas travel and medical insurance cover    the level of commission or service fees normally earned
     exclusions’ on page 41.                                       by the agent, had the trip not been cancelled.

     Section B: Cancellation and additional expenses               Conditions
                                                                   If cancellation is due to your illness or injury you must
     Section B1 – Cancellation or holiday deferment costs
                                                                   provide us with documentation from your treating doctor
     Period of cover                                               to confirm you are medically unfit to commence or
     The cover under this benefit commences from the date          continue with your trip. We will not pay for cancellation
     you meet the eligibility criteria, and ceases;                or holiday deferment costs unless these costs are
                                                                   medically justified and if you have already commenced
     (a) when you complete your trip;
                                                                   your trip you must have our consent.
     (b) when you return to your home in Australia; or
     (c) where a Signature Card was used to meet the               What is not covered?
         eligibility criteria, 180 days or 90 days for all other   We will not pay if you have to cancel or rearrange your
         NAB Cards used to meet the eligibility criteria; after    pre-paid travel arrangements because of the unforeseen
         the date of departure from your home in Australia         death, injury or illness of a person who:
         to go on your trip;                                       •   is not your business partner; or
     whichever occurs first.                                       •   is not a member of your travelling party; or
                                                                   •   is not your relative; or
     What is covered?
     If you have to cancel any pre-paid travel arrangements        •   is your relative aged 80 years or over
     due to any of the unforeseen circumstances outside of         We will not pay for the value of unused pre-paid
     your control listed below, we will pay the value of the       transport costs where we have repatriated you a
     unused travel arrangements, less any refunds due to you,      distance equivalent to, or greater than, the total distance
     or the reasonable cost of rearranging your trip, provided     remaining on your itinerary at the point of repatriation.
     that this cost is not greater than the cancellation fees      Where the total distance of the repatriation is less than
     or lost deposits which would have been incurred had           the unused travel arrangements we will calculate your
     the trip been cancelled.                                      entitlement on a pro-rata basis, taking into account the
     The circumstances which are covered are:                      cost of your original ticket.
     •   your unforeseen death, accidental injury or illness;      Also refer to ‘Overseas travel and medical insurance cover
                                                                   exclusions’ on page 41.
     •   the unforeseen death, accidental injury or illness of
         your relative under 80 years of age;                      Section B2 – Emergency travel arrangements and
     •   the unforeseen death, accidental injury or illness of     accommodation expenses
         your business partner or a member of your travelling
         party; or                                                 What is covered?
                                                                   We will cover you for expenses you incur for reasonable
     •   any unforeseen circumstances beyond your control,
                                                                   additional travel, accommodation, meals and internet
         except for the circumstances listed under “What is not
                                                                   use and emergency telephone calls less any refunds you
         covered?” below.
                                                                   are entitled to, if you have to interrupt your trip after it
     We will also pay the agent’s cancellation fees up to $500     has begun due to unforeseen circumstances outside your
     per person, when full monies have been paid. If only a        control. We will pay the higher of the non refundable
     deposit has been paid at the time of the cancellation we      cancellation fees (under Section B1) or the additional
     will pay the agent’s cancellation fees up to the maximum      rearrangement costs that have been incurred as a result
     of the deposit. In any event we will not pay more than        of the same event.
28                                                                                                                                29
Conditions                                                    (c) where a Signature Card was used to meet the
     1. Any additional travel you undertake must be at the fare        eligibility criteria, 180 days, or for all other NAB Cards
        class that you originally chose, except where we agree         used to meet the eligibility criteria, 90 days; after the
        differently on the basis of a written recommendation           date of departure from your home in Australia to go
        from your treating doctor.                                     on your trip;
     2. If you do not hold a return travel ticket to Australia     whichever occurs first.
        when the event that causes you to interrupt your trip
        happens, we will deduct from any claim which includes      What is covered?
        the cost of your repatriation to Australia, an amount      We will cover you for the value of your lost award or
        equal to your original published one way economy           loyalty points because of an event covered under ‘Section
        class travel ticket for the route used for your return.    B1 Cancellation or holiday deferment costs’.

     What is not covered?                                          Conditions
     We will not pay:                                              We will choose between paying for or reinstatement
                                                                   of lost frequent flyer or similar flight award or loyalty
     1. any expenses you incur to resume your trip after you
                                                                   points, due to the cancellation of your airline ticket
        have returned to your home in Australia except as set
                                                                   or accommodation arrangements.
        out under section D3 – Resumption of trip.
                                                                   If your airline ticket or accommodation was paid for in
     2. for additional accommodation where you have
                                                                   full with points, we may choose to reinstate or pay for
        claimed for cancelled accommodation expenses
                                                                   your lost points. If we choose to pay for your lost points,
        covering the same period of time or for additional
                                                                   we will pay you the cost of a ticket in an equivalent class
        transport costs in excess of the distance of the
                                                                   or equivalent accommodation, in the same travel season
        cancelled travel arrangements.
                                                                   as your cancelled booking.
     3. any accommodation expenses for periods where
                                                                   If your airline ticket or accommodation was paid partly
        you have not forfeited pre-paid accommodation
                                                                   in cash and partly in points, under this ‘Section B3 – Loss
        arrangements.
                                                                   of award or loyalty points’, we will either reinstate or
     4. any extra travel and accommodation expenses you            refund you for your lost points.
        incur because of the unforeseen death, injury or illness
                                                                   Where we are unable to reinstate your lost points,
        of a person who is:
                                                                   the amount we will pay is calculated as follows:
        •   your relative aged 80 years or over;
                                                                   (a) the cost of the equivalent class airline ticket or
        •   not your business partner;                                 accommodation, for the same season, less your
        •   not a member of your travelling party.                     financial contribution towards the airline ticket
     Also refer to ‘Overseas travel and medical insurance cover        or accommodation;
     exclusions’ on page 41.                                       (b) multiplied by the total amount of points lost;
                                                                   (c) divided by the total amount of points redeemed
     Section B3 – Loss of award or loyalty points
                                                                       to obtain the airline ticket or accommodation
     Period of cover                                               Equivalent class advance purchase airfare      $1,000
     The cover under this benefit commences from the date          or accommodation
     you make your booking with your award or loyalty points       Points lost                                    5,000
     and it ceases:                                                Points redeemed to obtain original ticket or   20,000
                                                                   accommodation
     (a) when you complete your trip;
                                                                   Claimable amount = $1,000 x 5000               $250
     (b) when you return to your home in Australia; or                                         20,000
30                                                                                                                                  31
What is not covered?                                          A pair or related set of items – for example, a camera,
     We will not cover any loss of points, or the value of         lenses (attached or not), tripod and accessories, a chain
     such points, which you can recover from any source.           and pendant or a set of golf clubs – are only one item
     Also refer to ‘Overseas travel and medical insurance cover    for this purpose.
     exclusions’ on page 41.
                                                                   What is not covered?
     Section C: Luggage and personal effects                       1. We will not pay for accidental loss or damage
                                                                      to or theft of:
     Section C1 – Luggage and personal effects
                                                                      (a) cash;
     What is covered?                                                 (b) 	personal computer screens at any time, personal
     We will cover you for each of the following:                          computer software or applications;
     1. accidental loss, theft of, or damage to, your luggage         (c) 	luggage or personal effects that are being
        or personal effects including things you buy during the             transported independently of you;
        trip, while they are accompanying you during your trip.       (d) 	property that you leave unattended or that
     2. loss of, or damage to, dentures or dental prostheses               occurs because you do not take reasonable care
        whilst not on your person during your trip.                        to protect it;
     3. the cost of medical consultation fees you incur to            (e) 	luggage or personal effects for which you are
        replace prescription medication which is accidentally              entitled to compensation from the carrier;
        lost, stolen or damaged, together with the cost of the        (f) 	luggage, travel documents or personal effects
        medication itself.                                                  left in an unattended motor vehicle or a motor
     4. theft of, or damage to, your luggage or personal                    home for any length of time;
        effects while they are left in a locked motor vehicle         (g)	luggage, travel documents or personal effects
        or a motor home during daylight hours and there is                 left in an unlocked building;
        forced entry into the vehicle.
                                                                      (h) 	luggage or personal effects left unattended by
     5. theft of, or damage to, your luggage or personal                   you in a tent or caravan for any length of time;
        effects while they are left in a locked storage facility
                                                                      (i) 	personal computer, communication or
        and there is forced entry into the facility.
                                                                            photographic equipment, electronic equipment,
     Conditions                                                             jewellery or watches checked in as luggage;
     If we agree to cover you under this section, we will             (j) 	trade items, trade samples or your tools of trade
     choose between:                                                        or profession
     1. repairing or replacing your items to a condition              (k) 	gold or precious metals, precious unset
        no better than their condition at the time of loss,                or uncut gemstones;
        damage or theft; or                                           (l) 	luggage or personal effects that have been
     2. paying you their value in cash, taking into account an              left in a locked storage facility for greater than
        allowance for age, wear and tear. The way in which we               48 hours.
        depreciate is set out under the heading “depreciation”
                                                                   2. We will not pay for loss or damage caused by wear
        which is set out in the Claims section of this booklet.
                                                                      and tear or depreciation of property or damage by the
                                                                      action of insects or vermin, mildew, rust or corrosion.

32                                                                                                                               33
3. We will not pay for loss or damage caused                   What is not covered?
        by mechanical or electrical breakdown.                      There is no cover under this section if the credit or
     4. We will not pay for any damage to fragile items.            debit cards are fraudulently used by you, your relative
        This exclusion does not apply to photographic or video      or a member of your travelling party.
        equipment, binoculars, spectacles or contact lenses.        Also refer to ‘Overseas travel and medical insurance cover
     5. We will not pay for loss or damage to sporting              exclusions’ on page 41.
        equipment whilst in use.
                                                                    Section D: Extra travel cover
     Also refer to ‘Overseas travel and medical insurance cover
     exclusions’ on page 41.                                        Section D1 – Travel delay

     Section C2 – Emergency luggage                                 What is covered?
                                                                    We will cover you for expenses incurred up to a
     What is covered?                                               maximum $250 for singles and $500 for families, if your
     We will cover you towards the cost of purchasing               scheduled public transport from or within Australia or
     essential articles such as clothing, toiletries and personal   overseas in respect of any individual leg of your trip is
     requisites if your accompanied luggage is delayed,             delayed for at least 6 hours for a reason outside your
     misdirected or temporarily misplaced by the carrier for        control, and you cannot claim the expenses from any
     a period in excess of 12 hours during your trip. If your       other source.
     luggage is not recovered, the amount paid by us for the        If the delay continues for an additional eighteen
     loss will be reduced by the total of any amounts paid for      hours, we will pay for your expenses incurred up
     under this section.                                            to an additional $500 for singles and an additional
                                                                    $1,000 for families.
     Section C3 – Replacement passports and travel
     documents                                                      Conditions
                                                                    If we have paid you this Benefit, we will not pay for
     What is covered?
                                                                    any accommodation, meals or other travelling expenses
     We will pay for the cost of reissuing or replacing your
                                                                    under section B2 – Emergency travel arrangements and
     travel or personal documents, drivers licence, traveller’s
                                                                    accommodation expenses.
     cheques, passport, or debit or credit cards, after they
     have been stolen, accidentally lost or damaged during          Section D2 – Missed connection – special events
     your trip.
     During your trip we will also cover the reasonable cost        What is covered?
     of you travelling to the nearest location where the            We will cover you if your trip is delayed or interrupted
     documents can be replaced.                                     by an event that is not anticipated, is unexpected, and
                                                                    outside of your control, and you are unable to arrive at
     Section C4 – Fraudulent use of travel documents,               your destination by the time originally scheduled for the
     credit or debit cards                                          purpose of attending a wedding, funeral, conference,
                                                                    25th or 50th wedding anniversary, concert or sporting
     What is covered?                                               event which cannot be delayed as a consequence of your
     We will pay for your legal liability for payment arising       late arrival. We will pay for the reasonable additional
     out of the unauthorised use of your travel documents,          cost of using alternative public transport to arrive at the
     credit cards, debit cards and/or traveller’s cheques,          destination on time.
     if during the overseas journey they are stolen by any
     person who is not your relative or a member of your
     travelling party.
34                                                                                                                                35
Section D3 – Resumption of trip                              We will also cover you if the scheduled public transport
                                                                  on which you are travelling is hijacked during your trip
     What is covered?                                             and you subsequently want to cancel your trip and return
     We will cover you if you have to return to Australia         to your home in Australia. We will pay you for your
     because of:                                                  reasonable additional travel expenses and the cost of pre-
     1. your accidental injury or illness; or                     paid travel arrangements that you do not use, less any
     2. the unforseen death, accidental injury or illness of      refunds due to you.
        your relative under 80 years of age, business partner
                                                                  Section E: Rental vehicle damage and theft
        or a member of your travelling party
                                                                  excess waiver
     and the illness was initially diagnosed, or serious injury
     occurred during your trip. We will pay you for the           Section E1 – Rental vehicle excess
     transport costs you have paid to resume your original
                                                                  What is covered?
     trip so you can use any pre-paid travel, accommodation
                                                                  We will cover you for the rental vehicle insurance excess
     or tours.
                                                                  which you are legally liable to pay, if:
     However, we will only do so if:
                                                                  1. you rent a vehicle from a rental company; and
     1. you obtain our consent for the resumption of
                                                                  2. it is damaged or lost; and
        your trip; and
                                                                  3. you are a nominated driver on the rental
     2. you have more than 25% of your trip remaining
                                                                     vehicle agreement.
        or 14 days, whichever is greater; and
                                                                  This cover is not in place of rental vehicle insurance and
     3. your return overseas occurs prior to the original
                                                                  only provides cover for the excess component up to the
        return date of your original trip.
                                                                  applicable limit.
     What is not covered?
                                                                  Conditions
     We will only pay the cost of a one-way ticket to the
                                                                  For this section to apply, the rental vehicle must have
     location which, at the time of your return, was stated
                                                                  comprehensive motor vehicle insurance for the period
     on your original itinerary, as your expected destination
                                                                  of hire.
     at the date of your return. If we had used your original
     return tickets to return you to Australia, we will provide   What is not covered?
     you with return tickets to your usual place of residence.    There is no cover under this section for:
     The most we will pay under this section is $10,000.
                                                                  1. loss or damage as a result of operating the rental
     Also refer to ‘Overseas travel and medical insurance cover      vehicle in violation of the terms of the rental vehicle
     exclusions’ on page 41.                                         hiring agreement;

     Section D4 – Hijacking                                       2. wear and tear, gradual deterioration, damage from
                                                                     insects or vermin, inherent vice or damage;
     What is covered?                                             3. loss or damage sustained as a result of operating
     If the scheduled public transport you are travelling in         the rental vehicle beyond the limits of any public
     is hijacked during your trip, we will pay $100 for each         roadways or on any roadways inaccessible to
     consecutive twenty-four (24) hour that you are held             two-wheel drive cars;
     captive up to a maximum benefit limit of $10,000 per
     person. The maximum benefit payable under this section
     is $20,000 for a family.

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4. loss or damage sustained as a result of operating         What is covered?
        a campervan, caravan or any vehicle that requires         We will cover you if due to an accidental injury you suffer
        a license other than a car licence (irrespective          during your trip, and within 90 days of being injured,
        of whether you hold such a licence).                      you are unable to generate income because you cannot
     Also refer to ‘Overseas travel and medical insurance cover   do your normal work when you return to Australia.
     exclusions’ on page 41.                                      We will pay your usual income, up to a maximum
                                                                  of $1,000 per week, for as long as you are unable to
     Section E2 – Return of rental vehicle                        perform the job you were employed in before your trip.
                                                                  The longest we will pay you a benefit for is 13 weeks
     What is covered?
                                                                  from the time you return to Australia.
     We will pay towards the cost of returning your rental
     vehicle to the nearest depot, including airport concession   Before we make any payment we will contact Centrelink
     charges, if due to a claimable event covered by any          or similar bodies to confirm any payments that must be
     section of this policy you are unable to do so during        deducted from any payment we make.
     your trip.
                                                                  Conditions
     Section F: Accidental death and loss                         You must submit to us all information we require in
     of income                                                    support of your claim, such as the advice of your treating
                                                                  doctor, medical or police reports, declarations, receipts
     Section F1 – Accidental death                                and certified translations.
     What is covered?                                             You must co-operate with us at all times.
     We will pay your estate if during your trip:
                                                                  What is not covered?
     1. you suffer an injury which results in your death          We will not pay you in respect of the first 4 weeks after
        within 12 months of the injury being sustained; or        you originally planned to resume work in Australia.
     2. you disappear because your means of transport             We will not pay you if you are unable to work because
        disappeared, sank or was wrecked, and your body           of illness or disease.
        has still not been found 12 months after your
                                                                  Also refer to ‘Overseas travel and medical insurance cover
        disappearance.
                                                                  exclusions’ on page 41.
     What is not covered?
     There is no cover if your death is due to an illness or
                                                                  Section G: Personal liability
     your suicide.                                                What is covered?
     Also refer to ‘Overseas travel and medical insurance cover   We will pay for your legal liability to pay damages
     exclusions’ on page 41.                                      or compensation because your negligence during the
                                                                  trip causes:
     Section F2 – Loss of income
                                                                  1. death, illness or injury to a person who is not you
     Period of cover                                                 or any member of your family permanently residing
     The cover begins when you leave your home in Australia          with you; or
     to start your trip and ends 13 weeks from the first day      2. loss or damage to property that is not owned by:
     in respect of which a benefit is paid or when you are fit       i.   you, or
     to resume your employment, whichever happens first.
                                                                     ii.	any member of your family permanently residing
                                                                          with you, or

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