This guide is provided to assist staff members whose travel starts after 31 October 2017.

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FLINDERS UNIVERSITY CORPORATE TRAVEL INSURANCE GUIDE - STAFF This guide is provided to assist staff members whose travel starts after 31 October 2017.

1 FLINDERS UNIVERSITY CORPORATE TRAVEL INSURANCE GUIDE - STAFF This guide is provided to assist staff members whose travel starts after 31 October TRAVEL INSURANCE Scope of Cover Insurance is provided to staff authorised to travel for and on behalf of the University, including spouses, partners and dependent children. Cover is extended to any incidental private travel, providing that the private travel component does not exceed 40% of the University approved travel and is less than 28 days. Duration of Cover Staff (Category 1) cover up to 365 days The policy period runs for the period 31 October to 31 October in each year. A Journey commenced during the policy year continues to the journey s completion, irrespective of the policy period noted on the cover page unless the insurer is changed. If changed, cover will continue for losses after the transfer date with the new insurer. Top-Up Travel cover must be purchased by staff at additional cost and prior to departure from Australia if: the staff member s private travel exceeds 40% of the University approved travel and/or is more than 28 days; or the staff member intends to be away from Flinders University for more than a continuous 365 day period. To purchase additional cover, complete the Top-Up Travel Proposal Form (included at the end of this guide) and send it direct to the University insurance broker Arthur J. Gallagher (AJG) in Adelaide. AJG will provide you with a quote; once confirmed by you, they will you policy details and a Tax Invoice for payment. Premium options will be shown on the Tax Invoice sent to you. Some payment options will incur a small processing fee. Please note: the University policy may not provide protection or continue cover for you if you have purchased alternative cover for any part of your trip. You should make enquiry with AJG before committing to an alternative policy before you leave. The University policy always commences from the time your journey starts (usually in Adelaide) and continues for the period declared or until the end of the top-up period purchased. Allow a minimum of 7 working days for your Top-Up Travel application to be processed.

2 Additional medical insurance Staff travelling in a country where there is a requirement to purchase in-country health (medical benefits) insurance must do so before embarking on their trip. Staff are advised to check these requirements with the host organisation or embassy of the country they are intending to visit or study in, prior to travel. In certain circumstances, the University travel insurance may not satisfy the requirements of either your host University or the country you are travelling to. AJG will try to assist with any requirements you may have. Age Limitation There is no age restriction in regard to persons travelling and covered by the University travel insurance. There are certain policy and sub limit restrictions on specific sections of cover provided once certain ages are attained (i.e. Personal Accident). If in doubt talk to AJG. Medical Section 4 of the policy - Travellers with a pre-existing medical condition Insurance will be available for staff who have a pre-existing medical condition, providing you have obtained a certificate of fitness to travel from your treating doctor prior to travel. The insurer may ask to see the certificate in the event that a claim is made on the policy relative to a pre-existing condition. The policy excludes claims where the staff member is travelling against medical advice; travelling with a terminal condition which was diagnosed prior to travel; or travelling when unfit to do so. DFAT Please note that escalating DFAT warnings may affect the level of cover under the University insurance policy. For clarification, check DFAT s website and then contact the University insurance broker. AJG and the University insurer will need to confirm your cover before you leave. Also note the University procedure for the Vice Chancellor and President sign off for DFAT travel warning levels 3 & 4 Luggage, Personal Effects and Travel Documents It is a condition of the policy that you will take all reasonable precautions for the safety and supervision of any luggage, personal effects, travel documents, money and credit cards. We recommend that personal effects including lap-tops and electronic equipment, travel documents, money and credit cards are carried on board in your hand-luggage. Deductible or Policy Excess If you make a claim, the insurer will reduce your total claim by: $100 - for baggage claims except; $250 - for lost or damaged business or electronic equipment (cameras not included) For deprivation of baggage (wait period) 8 hours Rental and Personal Vehicle Excess (Policy section 10) It is common in some overseas countries for vehicle hire companies to offer a cheap hire rate with optional loss damage or collision damage waivers. A loss or collision damage waiver is an agreement with a car rental company which releases the renter from liability for physical damage to the vehicle in exchange for a fee, subject to the terms of the rental agreement or a state statute if one exists (i.e. the USA). The waiver is not insurance. It is a contractual obligation subject to many restrictions (e.g. reckless driving, driving under the influence). In some contracts, the renter has a choice to buy a full or partial damage waiver. The rental agreement typically stipulates that purchasing the damage waiver is not mandatory. The University recommends that you buy a full waiver to ensure that (subject to any exceptions set out in the hire agreement) damage to the vehicle will be capped at an agreed price. Without this loss or collision waiver,

3 if you damage the vehicle, you may be liable for the full value of the damage/vehicle which includes third party legal liability. If you have an accident, the first $5,000 of the loss or collision damage waiver excess will be covered by the University s travel insurer.

4 Schedule of Benefits (Summary): Schedule of Benefits Category 1 Staff and others as declared Section 1 Personal Accident and Sickness Part A Event 1 - Accidental Death 2 x Salary up to $350,000 Accidental Death (Accompanying Spouse) $30,000 Events x Salary up to $350,000 Events 2-19 (Accompanying Spouse) $30,000 Part B Bodily Injury Bodily Injury Resulting in Surgery - Benefits $20,000 Weekly Benefits - Bodily Injury 1,500 x 156 weeks % of Salary - Part B 85% Excess Period (Days) - Part B 7 days Part C Sickness Weekly Benefits - Sickness 0 x 0 weeks Sickness Resulting in Surgery - Benefits $20,000 Part D Fractured Bones Fractured Bones - Lump Sum Benefits $7,500 Part E Loss of Teeth of Dental Procedures Limit Per Tooth $250 Lump Sum Benefits $2,000 Death by Specified Causes (Specified Sickness) $50,000 Corporate Image Protection $15,000 Independent Financial Advice $10,000 Coma Benefit Per Week: $500 Max Weeks: 26 Partner Retraining Benefit $15,000 Spouce / Partner Accidental Death Benefit $25,000 Dependent Child Supplement Per Dependent Child: $10,000 Per Family: $30,000

5 Orphaned Benefit Per Dependent Child: $10,000 Per Family: $30,000 Domestic Help Expenses for Accompanying Spouse Per Week: $500 Max Weeks: 26 Premature Birth / Miscarriage Benefit $5,000 Tuiton or Advice Expenses $4,500 Modification Expenses $10,000 Unexpired Membership Benefit $3,000 Chauffer Benefit $2,500 Executor Emergency Cash Advance $25,000 Accommodation and Transport Expenses $10,000 Education Fund Benefit $5,000 Out of Pocket Expenses $5,000 Student Tutorial Costs Per Week: $500 Max Weeks: 26 Childcare Benefit $5,000 Replacement Staff / Recruitment Costs $5,000 Air or Road Rage Benefit $5,000 Carjacking Assault Benefit $5,000 Reconstructive or Cosmetic Surgery Benefit $20,000 Terrorism Injury Benefit Per Person: $20,000 Aggregate: $200,000 Section 2 Kidnap and Ransom / Extortion Cover Sum Insured $1,000,000 Public Relations Benefit $15,000 Section 3 Hijack and Detention Daily Benefit $1,500 Maximum Sum Insured $30,000 Maximum Days 20 days Legal Cost $50,000

6 Section 4 Medical, Evacuation and Additional Expenses Sum Insured Excess Unlimited Nil Continuous Worldwide Bed Confinement Per Day: $200 Max Days: 30 Non-Medical Incidental Expenses Per Day: $50 Maximum: $1,500 Trauma Counselling Benefit $5,000 Accidental HIV Infection Benefit - Medical Reimbursement $100,000 Accidental HIV Infection Benefit - Lump Sum $30,000 Section 5 Chubb Assistance & Security Advice Section 6 Cancellation and Disruption Loss of Deposits Excess Cancellation and Curtailment Expenses Excess Unlimited Nil Unlimited Nil Sub-Limits: Incidental Private Travel and/or Directors and Executives Private Travel $20,000 Out of Pocket Expenses (such as phone charges, food etc.) Per Day: $150 Maximum: $1,500 Frequent Flyer Points $10,000 Funeral Expenses $50,000 Pet Boarding Expenses $2,500 Missed Transport Connection $5,000 Overbooked Flight $5,000 Corporate Event Extension Per Person: $20,000 Aggregate: $100,000

7 Section 7 Alternate Employee/Resumption of Assignment Expenses Sum Insured $20,000 Section 8 Baggage and Travel Documents Baggage and Business Property Limit any one item/ pair or set (unless declared separately) Electronic Equipment Money and Travel Documents $15,000 $6,000 (per item/ Pair or set) Excess: $100 Included Excess: $250 $2,000 Excess: $100 Deprivation of Baggage $3,000 Repatriation of Belongings $1,000 Home Burglary Excess Benefit $2,000 Keys and Locks $2,000 Identity Theft Exclusion $20,000 Lost Earnings Per Day: $250 Max: $10,000 Data Recovery Benefit $20,000 Section 9 Personal Liability Sum Insured $10,000,000 Court Attendance Benefit Per Day: $100 Maximum: $1,000 Section 10 Rental and Personal Vehicle Excess Rental Vehicle Excess $5,000 Personal Vehicle Excess $2,000

8 Vehicle Hire Per Week: $500 Maximum: $2,500 Towing Expenses $1,000 Section 11 Extra Territorial Workers' Compensation Weekly Benefits $1,500 Damages, Costs and Expenses $1,000,000 Aggregate Limit of Liability $2,000,000 Section 12 Political & Natural Disaster Evacuation Evacuation Expenses $20,000 Specialist Security Services $50,000 Aggregate Limit of Liability $250,000 Section 13 Search & Rescue Expenses Sum Insured $20,000 Aggregate Limit of Liability $100,000 Aggregate Limit of Liability (applicable to Sections 1 and 2 only) Any one (1) occurrence - Personal Accident and Sickness (A) $5,000,000 Non-Scheduled Flights (B): $500,000 Any one (1) event with respect to War / Civil (C): $500,000 Any one (1) Period of Insurance with respect to War / Civil War (D): $1,000,000 Any one (1) occurrence - Kidnap and Ransom / Extortion Cover (E): $1,000,000 The aggregate limits apply across all categories of Insured Persons of the policy

9 Travel Guard Travel and Medical Assistance Emergency Assistance Card Chubb Assist (operated by Customer Care) can help you with medical assistance, including emergency medical evacuation, repatriation and delivery of essential medicine or drugs when such medicine or drugs (or local equivalent) are not available at your location They also provide, through service provider Red24, travel support, such as embassy referral, advice in the event of a lost passport and emergency travel services assistance If you need to incur unexpected or additional expenses in the event of an emergency, please inform Chubb Assist prior to expenditure Chubb Insurance Australia will not be responsible for any third-party expenses incurred without their authority Prior to departure, cut out the image of this card to keep with you at all times. How to use your Chubb Assist Card In the event of an emergency, call Chubb Assist reverse charges on Chubb Assist will need: Your name Policy name Flinders University Corporate Travel Policy Policy number 03PP Your contact number What has happened Please note: the Chubb Assist Emergency card is for emergencies only and should not be used for minor claims such as luggage loss or car hire etc. These claims must be lodged directly with the insurer. Please also refer to the attached How to use your Chubb Assistance Card brochure

10 Chubb Insurance Travel Claim Procedure Direct Insurer contact: Chubb Claims Postal: GPO Box 4065, Sydney NSW 2001 Phone: All claims under the Flinders University policy (number 03PP006831) are treated as Business policy claims irrespective of private travel cover What to do in the event of a Claim 1. Submit claims online directly to Chubb Insurance at noting the policy number above during your trip or within 30 days of completion of the journey The guide on the following page will help you input the correct detail into Chubb s online claims portal 2. Alternatively, a claim form can be accessed here. The claim form is a fillable.pdf. For Assistance While Traveling 1. Use the ChubbAssist 24 hour assistance Line (reverse charges accepted) for specific assistance on all emergency travel matters whilst traveling overseas. 2. Visit the Chubb Assistance website before you travel for comprehensive country reports, medical information and sign up for alerts for your destination(s). The following items must be included with your Claim *** Failure to provide these items may result in delays in processing your claim *** 1. Proof of entitlement to cover; a. If you are a University staff member or student (Undergraduate or Post Graduate) travelling on authortised University travel you will need to submit a copy of your University or host letter of approval to travel. This will confirm to the insurer your appropriate access to the University insurance. b. If you are travelling as a private or Alumni traveller where you have accessed cover through the University program you will need to confirm that fact in covering correspondence with the claim form. Typically a copy of the Tax Invoice provided for your travel insurance will suffice. 2. Cancellation charges, Loss of Deposit Claim The original Tickets / Vouchers if a refund is not obtainable 3. Doctors / Hospitals Certificate specifying exact nature of condition suffered by Injured / Sick person. Letter from Travel Agent verifying total cost of Journey, value of unused portion of journey, cancellation charges incurred and total amount of refund received 4. Overseas Medical, Dental and/or Hospitalisation Claim Original Doctor's / Hospital accounts and receipts together with details relating to medical benefit refunds 5. Emergency Expenses Claim Receipts and / or Tickets relating to additional expenses incurred. Doctor's / Hospital Certificate specifying exact nature of condition suffered by injured / Sick person. Letter from Travel Agent / carrier verifying reason for additional expenses and / or any refund applicable 6. Luggage, Personal Effects Claim: - Report or letter from authority i.e. Police, Airline confirming the loss occurred and the amount of compensation provided. Receipts, Guarantee Certificates, Instruction Manuals, Valuations and Certificates, Bank or Credit Card Vouchers or other proof of purchase for items claimed. Bank Statements, transaction receipts or other proof of cash claimed. Quotations for replacement items claimed for repair or replacement 7. Accidental Death Claim; the Original Policy Document. Original Death Certificate which will be returned. Copy of Coroner's Depositions and Findings (if applicable). Original Birth Certificate which will be returned 8. Personal Liability Claim Letters or Demands of a claim made against you 9. Rental Vehicle Collision and Theft Excess Cover Claim, The Rental Agreement with respect to the excess or deductible. Documentation evidencing payment of excess or deductible. The vehicle repair invoice

General Requirements 1. For liability claims, do not make any admission or offer. Request the claim against you be put in writing 2.

Immediately report any luggage loss or damage to the carrier involved and submit a claim to them. In some instances, they may be responsible for damage and or loss. 3.

whom Australia has reciprocal medical agreements. Access and submit your claim on the Chubb claims portal with the following detail; 1. Using your internet browser log to https://www.chubbclaims.

11 General Requirements 1. For liability claims, do not make any admission or offer. Request the claim against you be put in writing 2. All losses under luggage and travel documents must be reported to local authorities within 24 hours and written acknowledgement obtained. Immediately report any luggage loss or damage to the carrier involved and submit a claim to them. In some instances, they may be responsible for damage and or loss. 3. In respect of medical claim, you should submit claims to your private health provider prior to lodgement with Chubb if the expenses were incurred in a jurisdiction of Australia or in a country with whom Australia has reciprocal medical agreements. Access and submit your claim on the Chubb claims portal with the following detail; 1. Using your internet browser log to 2. Click on the Start a New Claim tab in the Let s Get Started section on screen 3. Enter the University Policy Number 03PP Tell us about yourself Select Yes if you or close relative is lodging the claim, otherwise No 5. Who are you in relation to the policy Select Policyholder Employee. Please use this for staff or students 6. Enter details about yourself and in Employer Name section please complete as; Flinders University Australia Sturt Road Bedford Park South Australia 5042 RiskandInsurance@flinders.edu.au 7. Complete Incident Details Country, City, Date and brief details of the loss

12 8. What type of loss are you claiming for? Click on Travel and then choose the type of loss to be claimed Note: Multiple policy sections can be chosen on this screen 9. Click Continue From there you are free to choose a policy section from the list on the right side of the screen. Multiple sections may be completed. If you are not claiming under a section, do not complete that section Please note that you can move back and forward through the claim form but you cannot save a partially completed form and return to it later. You therefore should have all detail as noted on the previous page before commencing the lodgement Submit your claim when you have completed the form Chubb will forward you an acknowledgement of your claim after you have submitted it Please be mindful of internet security when completing the form, particularly with your banking details If you need any assistance call the Chubb Claims numbers at the top of this form or Arthur J. Gallagher on: +61 (0) and ask for David Clarke or Lachlan Birrell

13 PRIVATE OR ADDITIONAL TOP UP TRAVEL PROPOSAL FORM Insured Persons Staff and Students of Flinders University requiring extension of or where you are not covered by the University travel insurance program PREMIUMS Daily Insurance Rate Single Person Couple / Families $5.50 per day plus a small admin fee $11.00 per day plus a small admin fee Minimum Premium Payable is: Single $ (incl. Admin fee and GST) Couple / Family Cover $ (incl. Admin fee and GST) Policy Excess: Section 4 - Luggage & Business Property $100 each and every loss, but $250 each and every loss for Business Property (phones, computers tablets etc.) Deprivation of baggage 8 hour wait Section 5 Personal Accident Weekly Benefits B & E 7 days or as otherwise shown in the schedule of policy wording POLICY CONDITIONS Minimum premiums applies Payment of premium is required prior to commencement of journey Pre-existing conditions may be covered subject to policy conditions and subject to your general practitioner providing written confirmation that you are fit to travel Applications must be forwarded to the Broker for acceptance prior to the commencement of the journey OPTIONS FOR APPLICATION COMPLETION (Last page) You can print the page and hand write the form; Scan and it to us, or Post it to us (allow extra time) Fill in the page in the soft copy save the page to a.pdf and it to us, or save the entire document (.doc or.pdf) and it to us The policy wording is available on the Flinders website or from the Broker DFAT WARNING Please note that escalating DFAT warnings may have an effect on the level of cover under the University s insurance policy For clarification, please contact the Insurance Manager on + 61 (8)

14 APPLICATION TO PURCHASE TRAVEL INSURANCE INTERNATIONAL STUDENT OR STAFF BUSINESS TOP-UP BEYOND THE STANDARD UNIVERSITY COVER Your Details Do you have University authorisation for your trip? Have you effected other travel insurance for any portion of this trip? Student or Staff ID: Yes Yes Please nominate if you are: Staff (Cat 1) Post Graduate (Cat 2) Under Graduate (Cat 2) Insured Person (Mr, Mrs, Ms / Your Name) Date of Birth / / No No Full Postal Address Suburb State P/Code Phone Number Address Travel Details Country(s) of Primary Study or Business Total Period of Travel (Your total trip away) From To / / leave Home in Australia / / return to Home in Australia / / to / / Country PRIVATE travel details within your total travel period (DO NOT include study or business periods here) / / to / / Country / / to / / Country / / to / / Country / / to / / Country Pre-Existing Medical Condition Do you have any pre-existing medical conditions? If yes, please detail: / / to / / Country Do you have any condition that prevents your doctor from agreeing to your travel? If Yes, we will request additional information prior to providing a quotation Yes Yes No No This Application should be returned to Arthur J. Gallagher as follows; Arthur J Gallagher & Co (Aus) Ltd A.B.N t/as Arthur J. Gallagher Ari Setton or David Clarke PO Box Adelaide BC SA 5000 Telephone: Facsimile: lachlan.birrell@ajg.com.au or david.clarke@ajg.com.au Payment Methods There are a variety of payment options available all of which are detailed on our tax invoice. Some options may incur additional cost. Please note You will require a Gallagher invoice to enable you to complete payment. This will be ed to you. You confirm the information provided is accurate to the best of your knowledge You should allow a minimum of 7 working days for your application to be processed If payment has not been received prior to commencement of journey, NO cover will attach - no exceptions!

15 PRIVATE/ALUMNI TRAVEL INSURANCE APPLICATION Your Details Is this cover in addition to cover provided by the University? Yes No Your Category ( 1 ) Refer Schedule of Benefits If Yes and the period below exceeds the University provided cover you will be charged only for the extra days of cover. If No you will be charged for the total period of travel either as an individual or as a family Insured Person (Authorised University member) Spouse / Partner Accompanying Dependent Accompanying Dependent Date(s) of Birth: / / / / / / / / Full Postal Address Phone Number Address Travel Details Country or Countries visiting Total Period of Travel From / / leave Home in Australia To / / return to Home in Australia Do you have a pre existing medical condition? If Yes, please provide details: Pre Existing Medical Condition Do you have any condition that prevents your doctor from agreeing to your travel? If Yes, you will need to obtain and complete a medical declaration or cover may be affected This Application should be returned to Arthur J. Gallagher Yes Yes No No Arthur J Gallagher & Co (Aus) Ltd A.B.N Lachlan Birrell or David Clarke PO Box Adelaide SA 5063 Telephone: Facsimile: lachlan.birrell@ajg.com.au (lachlan.birrell@ajg.com.au) or david.clarke@ajg.com.au (david.clarke@ajg.com.au)

Insurance Cover Summary Corporate Travel Staff

Arthur J. Gallagher & Co (Aus) Limited ABN 34 005 543 920 AFSL 238312 Insurance Cover Summary Corporate Travel Staff Flinders University Contact Details: Arthur J. Gallagher 180 Greenhill Road Parkside