Private Travel Insurance

Size: px

Start display at page:

Download "Private Travel Insurance"

Peter Campbell
6 years ago
Views:

Private Travel Insurance Alumni, Staff and Students FOR JOURNEYS STARTING AFTER 1 JANUARY 2017 This guide is provided to assist University of Adelaide Alumni, Staff and Students who wish to apply for

Private Travel (Category 2) All persons authorised by the University to travel for and on behalf of the University including spouses, partners and dependent children and those persons on an offer and

1 Private Travel Insurance Alumni, Staff and Students FOR JOURNEYS STARTING AFTER 1 JANUARY 2017 This guide is provided to assist University of Adelaide Alumni, Staff and Students who wish to apply for cover under the University s Travel Insurance Policy and whose travel started after 1 January Private Travel (Category 2) All persons authorised by the University to travel for and on behalf of the University including spouses, partners and dependent children and those persons on an offer and acceptance basis travelling as private individuals, couples or families as separately declared. Named Insured: The University of Adelaide Policy number: Policy Period: 31 December 2016 to 31 December 2017 The University s broker is Arthur J Gallagher (AJG) Office: 180 Greenhill Road, Parkside SA 5063 Phone: Fax: Contact: David Clarke david.clarke@ajg.com.au Legal & Risk Branch, Division of University Operations heldesklegal@adelaide.edu.au Tel:

2 PRIVATE TRAVEL INSURANCE Scope of Cover Insurance is available to Alumni, Staff and Students of the University of Adelaide, including spouses, partners and dependent children. Additional Medical Insurance Private Travel Insurance Guide 2017 Persons 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. You should check these requirements with the embassy of the country they are intending to visit prior to travel. In certain circumstances, the University s travel insurance may not satisfy the requirements of the country you are travelling to. AJG can assist if you have questions about such cover. Age Limitation There is an age restriction of 101 years in regard to persons travelling and covered by the University travel insurance. There are certain restrictions on specific sections of cover provided once certain ages are attained (i.e. Personal Accident). You should contact Legal & Risk for confirmation of these restrictions. Travellers with a pre-existing medical condition Insurance will be available for travellers who have a pre-existing medical condition, provided that the traveller has obtained a certificate of fitness to travel from their treating doctor prior to travel. The insurer may ask to see the certificate in the event that a claim is made on the policy. The policy excludes claims where the person 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. Policy Exclusions The Policy covers incidents anywhere in the world, but there are some policy exclusions for travel to: Afghanistan Chad Chechnya Colombia Democratic Republic of Congo Iran Iraq Mexico Myanmar (Burma) North Korea Niger Nigeria Pakistan Somalia Sudan Venezuela Yemen If you intend to travel to any of these countries, please contact helpdesklegal@adelaide.edu.au Private Travel Insurance Guide Copyright University of Adelaide

3 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 If you make a claim, the insurer will reduce your total claim by: $150 - for baggage claims $250 - for lost or damaged electronic equipment For deprivation of baggage (wait period)- 8 hours Schedule of Benefits Private Travel (Cat 2) Motor Vehicle Hire 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, if you damage the vehicle, you may be liable for the full value of the damage/vehicle. If you have an accident, the first $5k of the loss or collision damage waiver excess will be covered by the University s travel insurer. Private Travel Insurance Guide Copyright University of Adelaide

Travel Guard Travel and Medical Assistance Private Travel Insurance Guide 2017 Emergency Assistance Card Travel Guard can help you with medical assistance, including emergency medical evacuation,

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

4 Travel Guard Travel and Medical Assistance Private Travel Insurance Guide 2017 Emergency Assistance Card Travel Guard 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 Travel Guard also provides 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 Travel Guard prior to expenditure AIG 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 Travel Guard Card In the event of an emergency, call Travel Guard reverse charges on Travel Guard will need: Your name Policy name University of Adelaide Corporate Travel Policy Policy number Your contact number What has happened If you need assistance or think you will need assistance, please inform Travel Guard. To not do so may prejudice your right to claim assistance or reimbursement. Please note: the Travel Guard 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. In the event of an emergency, we recommend that you also Legal & Risk Branch at helpdesklegal@adelaide.edu.au or call Legal & Risk Branch on Private Travel Insurance Guide Copyright University of Adelaide

5 Private Travel Insurance Guide 2017 Travel Guard Travel Security Advice and Assistance AIG Australia has partnered with Travel Guard to provide policyholders and covered travellers with a range of travel security services including: Secure evacuation assistance Security and safety advisories, global risk analysis and consultation specialist Urgent message alerts, reporting and dissemination 24/7/365 response services to assist employees, customers and their families during an incident Online access to up-to-date intelligence: Breaking news Worldwide threat assessments and incident reports Detailed country reports For more information visit Travel Guard Mobile App, powered by AIG Travel Guard has a mobile app which can be downloaded free from The app will use your phone s GPS (no internet access required) to determine your location and provide you with contact information to help you find a hospital, dentist, embassy etc. Please note that data charges will apply to use of this app. Options for claiming against this policy 1. Claims are easily lodged at the time or when you arrive back in Australia via the AIG website. Refer to the claims procedure included on the next page of this guide 2. Provide a detailed description of the events that resulted in the claim 3. Attach all supporting documentation (photographs, receipts, letters, police reports, medical certificates etc.) to the claim form. You may be asked for proof of ownership Private Travel Insurance Guide Copyright University of Adelaide

6 AIG Insurance Travel Claim Procedure Please contact: AIG Claims Postal: GPO Box 4363, Melbourne VIC 3001 Phone: or +61 (3) Or online at (click on the Claims Tab) All claims under the University of Adelaide policy (number ) are treated as Business policy claims and when accessing the AIG web sites you should refer to the BUSINESS tabs rather than PERSONAL What to do in the event of a Claim 1. Submit claims online directly to AIG Insurance at austclaims@aig.com noting The University of Adelaide, your name and the above policy number in the subject line during your trip or within 30 days of completion of the journey 2. Alternatively, a claim form can be accessed here. The guide on the following page will help you input the correct detail into AIG s online claims portal For Assistance While Traveling 1. Use the Travel Guard 24 hour assistance Line (Malaysia) for specific assistance on all emergency travel matters whilst traveling overseas 2. Visit the Travel Guard 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 authorised 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 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 Private Travel Insurance Guide Copyright University of Adelaide

7 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. 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 AIG Access and submit your claim on the AIG claims portal with the following detail; 1. Using your internet browser log to 2. Click on the CLAIMS tab in the header 3. Click on LODGE A CLAIM 4. Click on Business 5. Select in the Claim Type drop down box Travel 6. Select in the Notify us: drop down box Online Claim Lodgement 7. Click Next 8. Do you wish to claim on a policy held in the name of a corporation? Click on Yes 9. Fill in the following screen with; Policy Number Company Name The University of Adelaide Claimant Name Your Name Type in the text as shown 10. Follow the screens to complete your claim by filling in as most of the detail as you can 11. The General Claims Detail screen must be completed After completing the Claimants Details click ADD for Relationship to Policy holder please use the description used when you arranged the travel insurance (i.e. Global Learning, Contractor, Private or Alumni) 12. For the GST line please choose No unless you are capable of claiming an Input Tax Credit in Australia in your own right 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 You can Abort (top of the screen form) the form at any time and all completed data will be lost Submit your claim when you have completed the form Please be mindful of internet security when completing the form, particularly with your banking details AIG will forward you an acknowledgement of your claim after you have submitted it If you experience any difficulty in claim management or settlement please contact the University s broker: Arthur J. Gallagher, 180 Greenhill Road, Parkside SA 5063 Phone: or Fax: david.clarke@ajg.com.au Private Travel Insurance Guide Copyright University of Adelaide

PRIVATE TRAVEL INSURANCE APPLICATION Your Details Dates of Birth Insured Person (Authorised University member) / / Spouse / Partner / / Accompanying Dependent / / Accompanying Dependent / / Full

8 PRIVATE TRAVEL INSURANCE APPLICATION Your Details Dates of Birth Insured Person (Authorised University member) / / Spouse / Partner / / Accompanying Dependent / / Accompanying Dependent / / Full Postal Address Phone Number Address Country or Countries visiting Travel Details Total Period of Travel From / / leave Home in Australia To / / return to Home in Australia 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 No Arthur J Gallagher & Co (Aus) Ltd A.B.N David Clarke Telephone: Facsimile: PO Box Adelaide BC SA david.clarke@ajg.com.au Private Travel Insurance Guide Copyright University of Adelaide

9 Insurance Cover Summary Class of Insurance: Underwriter: Corporate Travel (Private Travel) AIG Insurance Policy Number: Insured: The University of Adelaide and its controlled and associated entities and businesses as declared from time to time and/or subsidiary and/or related incorporated and unincorporated parties, cooperative research centres, each council member, board member, committee member, officer, employee, student appointee, trustee, servant, agent, honorary research fellow and any student, researcher, volunteer worker, visiting academic or professional, members of; student union, clubs, societies, colleges, halls of residence, foundations, centres, institutes, alumni and including minority interest incorporated and unincorporated parties for whom the University undertakes to insure Insured ABN / ITC: ABN (if applicable) Registered for GST Yes Input Tax Credit 100% Period of Insurance: From: 4.00 pm ACST on 31/12/2016 To: 4.00 pm ACST on 31/12/2017 Both local time at the Insured s head office and any subsequent period for which the Insured shall pay or agree to pay and the Insurer(s) shall agree to accept a premium. The Business: Consisting principally but without limiting the generality: Tertiary education and research institution and the various controlled and associated entities and businesses thereto Insured Persons: Territorial Limits: Covering: A Journey: Journey Definition: Category 2 Staff and others not otherwise categorised All persons, including spouses, partners and dependent children authorised by the University to travel for and on behalf of the University and those persons not otherwise categorised including Private Travel Worldwide Insured Persons for their Category Benefits insured whilst undertaking A Journey Shall include authorised business travel, study and research travel and tours and/or private travel as declared from time to time A Journey is as described in the Policy noting in addition that; 1. Private travel is limited to 50% of the business component or 28 days whichever is the lesser unless otherwise extended at agreed terms 2. A Journey will not exceed 180 days unless otherwise extended at terms agreed and where that Journey extends beyond the due date of this policy cover continues to the return date as declared, and 3. A Journey must be a distance greater than 100 kilometres from either the normal place of residence or the normal place of work of the Insured Person and retuning to one of those places and there be overnight accommodation Private Travel Insurance Guide Copyright University of Adelaide

10 but excludes daily commuting to and from the Insured Person s normal place of work; and 4. A Journey must commence during the Period of Insurance; and 5. A Journey must be authorised by the Insured unless declared as private or Alumni private travel and as separately declared; and 6. A Journey must begin in Australia unless otherwise specifically declared at agreed terms A journey commences at the time the Insured Person leaves the Insured Person s normal place of residence or normal place of work, whichever is the place of departure for the Journey, and ends at the time the Insured Person returns to the Insured Person s normal residence or normal place of work, whichever occurs first. Premium: Claim Payments: Policy Excess: The definition of Premium in the Policy document is extended to include and other premiums as declared from time to time and paid by an Insured Person It is agreed and declared that payment of claims will be paid in the normal course of settlement individually to the Insured Person or otherwise as they direct but to the Insured if so directed by the Insured Section 4 Luggage & Business Property All claims $150 per claim except; Electronic Equipment $250 per claim Section 5 Weekly Benefits Sections B & E 7 days or as otherwise shown in the schedule of benefits attaching hereto Age Limit: Under 101 years of age (or is under 80 years of age in respect of Section 5 - Personal Injury Event 2 - Permanent Total Disablement, Event 21 - Temporary Total Disablement and Event 22 - Temporary Partial Disablement) Currency: Policy Wording: All amounts shown are expressed in Australian Dollars, unless specified otherwise. AIG Smart Protect wording & PDS Private Travel Insurance Guide Copyright University of Adelaide

11 Schedule of Benefits (Summary): Category 2 Schedule of Benefits Private Travel as declared Section 1 Medical, Evacuation and Additional Expenses Overseas Medical Expenses Additional Cover: Ongoing Medical Expenses in Australia Overseas Medical Evacuation Expenses Continuous Bed Confinement Unlimited Included in 1A Included in 1A $75 per day max. Period 100 days Section 2 Travel Guard tm Call Travel Guard on (Malaysia) AIG general claims notification or questions on Section 3 Loss of Deposits and Additional Expenses Unlimited Additional Cover: Frequent Flyer Points Included per policy terms In Hospital Cash Benefit $200 per day: maximum 25 days Legal Expenses Max $50,000 Hijack $2,000 per day: maximum 20 days Overbooked Flight $2,500 but: Non Associated Leisure travel limited to $25,000 Section 4 Luggage, Personal Effects and Documents $20,000 Specified items Additional Cover: Mislaid Luggage $3,000 Credit Card Fraud $3,000 Keys and Locks $2,000 Money and Travel Documents $5,000 Section 5 Part A Accidental Death & Disability (lump sum benefits Events 1-19) 5x Salary up to $500,000 Accompanying Spouse and Dependent Children $250,000 Event 1 - Death of accompanying dependent child or Insured Person under 18 year of age is limited to: $20,000 Additional Cover: Broken Bones Benefit (Event 20) - Refer policy up to $7,500 Corporate Image Protection $15,000 Independent Financial Advice $10,000 Trauma Counselling $5,000 Part B Weekly Benefits Bodily Injury (Event 21) 85% of Salary up to $1,500 per week Excess Period 7 days Benefit Period 156 weeks Domestic Help Benefit (Event 23) - 85% of cost of Domestic Help per week: $1,000 max. Excess Period 7 days Benefit Period 156 weeks Student Tutorial Expenses Benefit (Event 24) - 85% of Cost of Expenses per week: $1,000 max. Private Travel Insurance Guide Copyright University of Adelaide

12 Excess Period Benefit Period 7 days 156 weeks Part C Surgical Benefit for Injury up to $20,000 Brain Surgery $20,000 Amputation of a Limb $20,000 Fracture of a Limb requiring Open Reduction $5,000 Any other Surgical procedure preformed under general anaesthetic $2,500 Part D Surgical Benefit for Sickness up to $20,000 Open Heart Surgery $20,000 Brain Surgery $20,000 Abdominal Surgery performed under general anaesthetic $5,000 Any other Surgical procedure preformed under general anaesthetic $2,500 Part E Weekly Benefits Sickness (Event 22) 85% of Salary up to $1,500 per week Excess Period 7 days Benefit Period 156 weeks Additional Cover: Rehabilitation Expenses up to $10,000 Section 6 Alternative Employee / Resumption of Assignment Expenses $20,000 Section 7 Political & Natural Disaster Evacuation Expenses Evacuation Expenses $20,000 Benefit Period up to 21 days Section 8 Missed Transport Connection $10,000 Section 9 Rental Vehicle Excess $5,000 Section 10 Kidnap & Ransom & Extortion $500,000 Section 11 Personal Liability $10,000,000 Section 12 Extra Territorial Workers Compensation Weekly Benefits $1,000 Common Law $1,000,000 Any one loss $1,000,000 Aggregate Limit of Liability $1,000,000 Section 13 Corporate Travellers Family Care Spouse Accidental Death $25,000 Education Fund $15,000 Spouse Retraining $15,000 Section 14 Identity Guard Legal Expenses $5,000 Lost Wages $1,000 Obligation to pay $5,000 Miscellaneous Expenses $5,000 Annual Aggregate $10,000 Section 15 Search and Rescue Expenses $20,000 per person Aggregate Limit of Liability up to $100,000 per policy period Private Travel Insurance Guide Copyright University of Adelaide

13 Section 16 AIG Global Security Included Sections Aggregate Limit of Liability: 4, 5, 6, 7, 8 & 9 Total Liability any one (1) Period of Insurance (a): $7,000,000 4, 5, 6, 7, 8 & 9 Non-Scheduled Flights (b): $2,500, Kidnap & Ransom & Extortion (c) $1,000, Personal Liability (d) $10,000,000 The aggregate limits apply across all categories of Insured Persons of the policy Maximum Benefit payable per Insured Person subject to further sub limited amounts as stated within the policy document Private Travel Insurance Guide Copyright University of Adelaide

This guide is provided to assist staff members whose travel starts after 1 January TRAVEL INSURANCE

FLINDERS UNIVERSITY CORPORATE TRAVEL INSURANCE GUIDE - STAFF This guide is provided to assist staff members whose travel starts after 1 January 2017. TRAVEL INSURANCE Scope of Cover Insurance is provided