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Plan Benefits
Corporate Multitrip for 21-30 Staff
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This is a summary of benefits. Please read the Product Disclosure Statement carefully for
the complete details of “What we will pay” and “What we will not pay”.
Importantly, please note that exclusions do apply as well as limits to the
cover and thse are set out in the Product Disclosure Statement.
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Schedule of Benefits
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| Maximum for Travel Agents Cancellation Fees, lesser of 10% of journey cost or |
$1,000 |
| Maximum in respect of all claims arising out of any one event |
$100,000 |
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| Maximum in respect of all claims arising out of any one event |
$10,000,000 |
| Overseas Assistance |
included |
| Overseas Emergency Medical Evacuation |
included |
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| Maximum for Additional Expenses in respect of all claims arising out of any one event |
$100,000 |
| Maximum for Resumption of Journey Additional Benefit |
$4,000 |
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| Maximum per day |
$100 |
| Maximum in respect of all claims arising out of any one event |
$6,000 |
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| Amount for Delayed Travel for each 12 hour period |
$200 |
| Maximum in respect of all claims arising out of any one event |
$4,000 |
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| Maximum in respect of all claims arising out of any one event |
$20,000 |
| For Cameras or Video Recorders – Maximum per item |
$3,000 |
| Portable Business Equipment – Maximum per item |
$6,000 |
| All other Personal Baggage items – Maximum per item |
$2,500 |
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| Maximum in respect of all claims arising out of any event |
$2,500 |
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| Maximum in respect of all claims arising out of any event |
$2,500 |
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| Maximum in respect of all claims arising out of any event |
$1,000 |
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| Maximum in respect of all claims arising out of any event |
$2,500 |
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| Maximum in respect of all claims arising out of any event |
$10,000,000 |
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| Maximum in respect of all claims arising out of any event |
$10,000 |
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| Maximum in respect of all claims arising out of any event |
$4,000 |
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| Maximum per month |
$6,000 |
| Excess Period |
30 days |
| Benefit Period |
104 weeks |
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| Accidental Death – Capital Benefit |
104 weeks |
| Accidental Death – Capital Benefit |
$200,000 |
| Accidental Total and Permanent Disability – Capital Benefit |
$200,000 |
| Additional Capital Benefits |
$10,000 |
| Aggregate Limit for all Insured Persons |
$5,000,000 |
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| Maximum in respect of all claims arising out of any event |
$5,000 |
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| Maximum in respect of all claims arising out of any event |
$200,000 |
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| Maximum in respect of all claims arising out of any event |
$25,000 |
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| Maximum per week in respect of compensation |
$6,000 |
| Maximum in respect of damages and costs at common law |
$500,000 |
| Maximum in respect of compensation and damages arising out of any one event in respect
of any one Insured Person |
$500,000 |
| Maximum Aggregate Limit of Liability for all Insured Persons per Period of Insurance |
$1,000,000 |
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* Sub-limits apply
+ Note all benefits and premiums are in Australian dollars. |
summary of benefits
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This is only a summary of the benefits. Please read the policy wording
carefully for the complete details of “We Will Pay” and “We Will Not Pay” and
which types of cover are provided under each plan. Importantly, please note
that exclusions do apply as well as limits to the cover and these are set out
in the policy wording.
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1.
Cancellation Charges
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We will reimburse any cancellation
charges for travel or accommodation or
travel agent fees that the Insured Person
incurs if their travel or accommodation is
cancelled by circumstances beyond
their control.
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| 2.
Overseas Emergency Medical Expenses |
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We will cover you for certain hospital
and other medical expenses that the
Insured Person incurs outside of
Australia during their journey as well as
ongoing expenses incurred in Australia.
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3. Additional Expenses for Travel and Accommodation
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We will cover you for the additional
travel and accommodation expenses
that the Insured Person incurs during
their journey as a result of injury or
illness. We will also pay your additional
travel and accommodation costs to
resume the journey if the insured person
was forced to return to Australia as a
result of the injury or illness.
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Cash paid while the Insured Person is in Hospital |
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We will pay you a cash allowance of
$100 for each day that the Insured
Person is a patient in an overseas
hospital, provided that the Insured
Person was in hospital for more than
two days.
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5.
Delayed Travel |
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We will reimburse you for the
accommodation and meal expenses that
the Insured Person incurs if their
scheduled transport is delayed for 12
hours or more.
We will pay for the
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6A.
Personal Baggage |
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We will pay for the loss or damage to
the Insured Person’s personal baggage,
clothing or personal effects that the
insured person takes with them or buys
on their journey.
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6B. Replacing Essential Personal Items
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We will reimburse you for the costs the
Insured Person incurs in replacing
essential personal items that they need
whilst waiting for the return of their
baggage that is temporarily lost during
their journey.
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6C.
Travel Documents, Credit Cards, Travellers Cheques
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We will pay for the cost of replacing the
Insured Person’s personal travel
documents, credit cards, travellers
cheques and also the legal liability
arising due to the unauthorised use of
their personal travel documents, credit
cards, travellers cheques.
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6D. Money, Bank or Currency Notes or Negotiable Instruments
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We will reimburse you for the accidental
loss of money and negotiable
instruments that the Insured Person has
taken on the journey for personal use.
We will also pay for any legal liability
that arises from the unauthorised use of
the money or negotiable instruments.
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6E.
Business Documents |
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We will pay the cost of replacing
business documents that are stolen on
the Insured Person’s journey.
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7. Personal Legal Liability
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We will indemnify you and the Insured
Person against amounts which you and
Insured Person are legally liable to pay
as a result of a court order made against
you or Insured Person for bodily injury,
death or illness caused to a third party
or for loss or damage to property owned
by a third party. We will also pay for the
legal costs of defending such a court
action.
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8.
Substitute Person to Complete Your Business |
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We will pay for the costs of a substitute
person completing the original business
purpose of the Insured Person’s journey
that the Insured Person was unable to
complete due to injury or illness.
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9.
Emergency Alternative Travel |
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We will reimburse the costs of
emergency alternative travel that you
incur as a result of riot, strike, civil
commotion, hijack or natural disaster to
enable the Insured Person to attend
business meetings or conferences that
cannot be delayed.
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10.
Loss of Income |
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We will pay you the Insured Person’s
average weekly income if the Insured
Person is incapacitated for more than 30
days as a result of injury occurring
during the journey.
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11.
Personal Injury |
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We will pay a defined amount as a
death benefit or a defined amount
for certain major disabilities (eg
blindness or loss of limbs) suffered
during the journey by the Insured
Person.
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12.
Rental Car Excess |
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We will reimburse you for any excess
you or the Insured Person pay to a
vehicle rental hire company if the
Insured Person has an accident during
their journey.
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13.
Kidnap and Ransom |
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We will reimburse you ransom monies
paid by you following kidnapping or
alleged kidnapping of an Insured
Person during their journey.
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14.
Political Risk, Environmental and Natural Disaster Evacuation Expenses |
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We will pay for the costs of returning
the Insured person to Australia and/or
evacuating the Insured Person from
the country they are in if the
government or consular officials
recommend that the Insured Person
leave the country they are in or if they
are expelled from the country they are
in or there is an environmental or
natural disaster.
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15.
Extra Territorial Worker’s Compensation |
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We will pay for your worker who is
outside of Australia if they sustain an
occupational disease or injury and you
are required to pay amounts under any
workers’ compensation law in that
country or pay for a court award made
against you arising from the
occupational disease or injury.
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*IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST
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