Business Travel Insurance
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1 Business Travel Insurance Summary of Key s Applicable for changes from: 14PDSACEBTA01 or 14PDSACEBTA02 to 16PDSBT01 or 16PDSBT02 Please note: This document provides a brief summary of the key changes only, made to the Business Travel Policy Wording and Product Disclosure Statement (PDS). Whilst every effort has been made to ensure the accuracy of this document, this is not an exhaustive list of the changes made and does not form part of the Policy Wording or PDS. Chubb Insurance Australia Limited does not take any responsibility for any discrepancies, errors or ommissions that may be contained in this document. For a full description of the terms, conditions and exclusions of the applicable cover, please refer to the PDS and Policy Schedule we have issued. General Definitions New definition: Carjacking Incident Dependent Children Director s and Executives Private Travel Policy Carjacking Incident means the violent theft or attempted theft of a motor vehicle which is under the care and control of, or occupied by or immediately intended to be occupied by a Covered Person. Now includes grown children (over 25) who are physically or mentally incapable of self-care: Dependent Child(ren) means a Covered Person s and their Spouse/Partner s unmarried dependent child(ren) (including step or legally adopted child(ren)) as long as they are under nineteen (19) years of age or under twenty-five (25) years of age while they are full-time students at an accredited institution of higher learning and in either case, are primarily dependent upon the Covered Person for maintenance and support. Dependent Child(ren) also means a Covered Peron s unmarried children of any age who are permanently living with the Covered Person and are Permanently mentally or physically incapable of self-support. Now only requires an overnight stay or an aerial (was previously scheduled ) flight. Restriction on interstate only travel lifted and all domestic travel again covered (note this cover was removed in 2014, but is now reinstated the restriction on requiring an overnight stay or flight remains). Now includes reference to policy wording : Policy means this PDS and policy wording, the current Schedule and any other documents We may issue to the Policyholder that We advise will form part of the Policy (e.g. endorsements and SPDSs). Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 1
2 General Definitions (cont) Policyholder Serious Injury or Serious Sickness Reference to organisation included: Policyholder means the named company or organisation listed as the Policyholder in the Schedule with whom We enter into the Policy. They are the contracting insured. Now refers to treatment/medication 30 days prior or hospitalisation or surgery 6 months prior to date travel is booked rather than prior to travel commencing. Serious Injury or Serious Sickness means a medical condition which a Doctor certifies as being life threatening and for which the person on whom the claim depends has not: a) Received medical treatment or medication in the thirty (30) days immediately prior to the date the Covered Person s Journey was booked, or b) Required hospitalisation or surgery (or was on a waiting list for the hospitalisation or surgery) in the six (6) months immediately prior to the date the Covered Person s Journey was booked. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 2
3 Section 1 Personal Accident and Sickness Table of Events Event 7 deleted Loss of Use of one (1) Limb deleted now included under Event 7 Events 9 (Loss of lens) and 11 (loss of hearing) are split and are now Events 8 & 9 Event 12, Burns, is now Event 11 Event 18 New Event Event 7 deleted Loss of Use of one (1) Limb deleted now included under Event 7 Events 9 (Loss of lens) and 11 (loss of hearing) are split and are now Events 8 & 9 Note that Event 6 now states: Loss of use of one (1) or more Limbs. Previously there were two events for loss of limbs, both of which carried a 100% benefit. This is split so that Event 8 is for 100% and Event 9 are for lower benefit amounts: 8. Permanent Loss of a) hearing in both ears b) the lens in both eyes 9. Permanent Loss of a) hearing in one (1) ear b) the lens in one (1) eye 100% 100% 30% 60% Note there is absolutely no change to the actual cover provided just the order has changed so that all 100% benefits are grouped. Event 12, Burns is now extended to both second as well as third degree burns, and only requires cover of 20% of the body to trigger a benefit. Second degree burn coverage provides a 25% benefit. 18. Loss of at least fifty percent (50%) of all sound and natural teeth, including capped or crowned teeth, but excluding first teeth and dentures 1% to a maximum of $10,000 in total. Note that Event 6 now states: Loss of use of one (1) or more Limbs. Previously there were two events for loss of limbs, both of which carried a 100% benefit. This is split so that Event 8 is for 100% and Event 9 are for lower benefit amounts: 8. Permanent Loss of a) hearing in both ears b) the lens in both eyes 100% 100% 9. Permanent Loss of a) hearing in one (1) ear b) the lens in one (1) eye 30% 60% Note there is absolutely no change to the actual cover provided just the order has changed so that all 100% benefits are grouped. Event 12, Burns, is now Event 11 Event 18 New Event Event 12, Burns is now extended to both second as well as third degree burns, and only requires cover of 20% of the body to trigger a benefit. Second degree burn coverage provides a 25% benefit. 18. Loss of at least fifty percent (50%) of all sound and natural teeth, including capped or crowned teeth, but excluding first teeth and dentures 1% to a maximum of $10,000 in total. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 3
4 Section 1 Personal Accident and Sickness (cont) Definitions New definition: Act of Terrorism New definition: Air or Road Rage Incident New definition: Cancer New definition: Medical Aids Amended definition: Other Fracture Amended definition: Specified Sickness Act of Terrorism means the planning of, use or threat of use of violence against persons or property for the purpose of advancing political, religious or ideological goals. Air Rage or Road Rage Incident means Bodily Injury sustained by a Covered Person as a result of a violent physical act occurring whilst the Covered Person is occupying an aircraft as a passenger, or any motor vehicle intended for use on public roadways and intentionally committed by a person who is not: a) a Covered Person; or b) a Close Relative of the Covered Person. Cancer means a malignant tumor characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue, resulting in a written positive diagnosis by a Doctor who is certified as an oncologist. This includes Leukemia, Hodgkin s Disease and invasive melanoma but does not include: a) carcinoma in situ; b) Kaposi's Sarcoma or other AIDS related cancers and cancer in the presence of human immunodeficiency virus (HIV); c) prostate cancer diagnosed as T1 N0 M0 or equivalent staging; or d) a recurrence or metastasis of a cancer which was originally diagnosed prior to the Covered Person first meeting the criteria for a Covered Person under this Policy. Medical Aids means equipment such as crutches, bandages, traction equipment, walker boots, heat packs etc. that are recommended in the treatment of a Bodily Injury by a Doctor and which are not excluded under General Exclusion 4. Now includes other than a Complete Fracture, Simple Fracture or Hairline Fracture. Other Fracture means any fracture other than a Complete Fracture, Simple Fracture or Hairline Fracture. Definition change expands cover to include: Specified Sickness means a: myocardial infarction (heart attack) or ischaemic heart disease; or pulmonary embolism or lower respiratory disease; or stroke; or Cancer; or rabies; or dementia or Alzheimer s disease. Coma Benefit Death by Specified Causes Partner Retraining Benefit Tuition Expenses Previously this benefit was provided as a daily rate to a specified maximum. Now, this benefit is provided at a weekly rate to a specified maximum. Was formerly titled Specified Sickness We have removed the requirement that training must be received within twenty-four (24) months of the insured event. Previously this benefit was provided as a monthly amount to a maximum number of months. Now, this benefit is provided at a total maximum amount. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 4
5 Accommodation & Transport Expenses Education Fund Out of Pocket Expenses Student Tutorial Costs Childcare Replacement Staff/Recruitment Costs Air or Road Rage Carjacking Assault Reconstructive or Cosmetic Surgery Terrorism Injury Where a Spouse/Partner and/or Dependent Child(ren) have to travel to a person who is admitted to hospital as an inpatient more than 100kms from home, we will pay transport and accommodation expenses incurred by them up to the limit stated in the Schedule. Where a person suffers Accidental Death, we will reimburse school or university fees for surviving Dependent Child(ren) up to the amount stated in the Schedule. Cover for otherwise non-claimable expenses in the event of Bodily Injury. The new Medical Aid definition is for Out of Pocket Expenses. Cover for non-income earners who are students and stuffer Bodily Injury for tutorial services required to maintain education whilst incapacitated and unable to attend normal classes. Cover for childcare services required for persons who suffer any of the new events 2-8 previously 2-7 and 9 (a) This benefit provides cover to the Policyholder to recruit a new employee if an Employee suffers Event 1 or 2. This is a lump sum benefit payable to a Covered Person who suffers Air Rage or Road Rage as defined. Note this benefit requires notification to police or local authority within 24 hours of the incident occurring. This is a lump sum benefit payable to a Covered Person who suffers a Carjacking as defined. Note this benefit requires notification to police or local authority within 24 hours of the incident occurring. This new benefit is payable if a Covered Person suffers any of the Events 2-19 and a Doctor certifies that such surgery is medically necessary. Note such surgery may be covered under Section 4 for medical expenses, but this is a lump sum benefit of 10% of the amount payable for the specific Event suffered. This is a lump sum benefit payable to a Covered Person who suffers a Terrorism Act as defined. Note this benefit requires notification to police or local authority within 24 hours of the incident occurring. Conditions Condition 9 (deleted) Condition 10 (was condition 11) nonincome earners AD&D This condition stated that if a Covered Person became eligible for a benefit under Event 2 or 3, benefits under Events 25 and/or 26 would cease. This no longer applies. This clause has been amended slightly to make it clear that non-income earners are restricted to an AD&D benefit of $250,000 only. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 5
6 Section 2 Kidnap and Ransom/Extortion Cover Definitions Kidnap This definition has been amended to remove the restriction that one event is deemed one kidnap, even if more than one Covered Person is involved. The definition now states that the SI applies to each person, hence there is now a specific aggregate limit that applies to this section of cover. Moved Benefit: Trauma Counselling Additional Benefit: Public Relations This benefit is now noted under Section 4 definition of Trauma Counselling and has been deleted from Section 2. Payable to the Policyholder in the event an Employee is kidnapped, for expenses related to protection of the Policyholder s business/corporate image. Similar to Corporate Image Protection, but payable in the event of Kidnap, rather than Accidental Death. Section 3 Hijack and Detention No changes Section 4 Medical, Evacuation and Additional Expenses Accidental HIV Infection Benefit Medical Reimbursement Accidental HIV Infection Benefit Lump Sum Amended Benefit: Continuous World Wide Bed Confinement Payment for actually incurred medical costs relating to infection with HIV acquired through Bodily Injury sustained whilst on a Journey. Lump sum payable to a Covered Person who acquires HIV through Bodily Injury sustained whilst on a Journey. This benefit previously required a Covered Person to be confined to bed for forty-eight (48) hours before benefits were payable. This time-frame has been reduced to twentyfour (24) hours. Terminal Conditions Exclusion 1 d) is deleted and replaced with Exclusion 7. The exclusion clarifies that cover does not apply to terminal conditions that are diagnosed prior to a Journey being booked. Section 5 Chubb Assistance and Security Advice ACE Assistance becomes Chubb Assistance Name change only please note Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 6
7 Section 6 Cancellation and Disruption Amended Benefit: Pet Boarding Expenses Corporate Event Extension Previously, this benefit was restricted by a daily amount for a maximum number of days. Benefit is now a maximum amount. This new benefit provides cover for persons who may have travelled as an invitee or guest of the Policyholder to an event organised or hosted by the Policyholder, but who isn t an Employee or has otherwise been nominated under the Policy. Cover extends to Cancellation and Disruption Expenses (during a Journey) where an insured event occurs. Note that this benefit is only payable where no other insurance or opportunity for recovery exists. Conditions New Condition: Additional AND forfeited expenses Terminal Conditions HIV/AIDS Exclusion New condition included specifying that where additional and forfeited expenses are incurred for the same portion of the loss (e.g. you forfeit accommodation but also have to purchase accommodation for the same night) only the greater of the two amounts shall be payable. Exclusion 1 d) is deleted and replaced with Exclusion 2. The exclusion clarifies that cover does not apply to terminal conditions that are diagnosed prior to a Journey being undertaken. Was Exclusion 2, but is now deleted (note HIV benefits now form part of the policy). Section 7 Alternative Employee/Resumption of Assignment Expenses Conditions Limit of Cover No longer limited to an economy airfare if that was the original ticket purchased. Limit of Cover Terminal Conditions Definitions Baggage No longer restricted to one per Employee. For example, if the Employee suffers two events in one year, both will be covered (previously was not clear). Exclusion 1 d) is deleted and replaced with Exclusion 3. The exclusion clarifies that cover does not apply to terminal conditions that are diagnosed prior to a Journey being undertaken. Household furniture or effects now deleted from the definition. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 7
8 Section 8 Baggage and Travel Documents Lost Earnings Under Identity Theft Extension, a benefit is payable for Lost Earnings where a Covered Person suffers Identity Theft and requires time off work to resolve the situation with law enforcement, credit agencies, seek legal advice etc. Data Recovery Conditions Deleted Condition: Per item or set of items limitation deleted. Deleted Exclusion: Goods intended for trade or sale Deleted Exclusion: electronic data New benefit payable to persons who have to engage the services of a professional to recover data of a lost, stolen or damaged hard drive, external drive or disk. Note the wording on this benefit is yet to be finalised. Condition 8 that restricted benefits payable for one item or set of items has been completely removed the full baggage limit will now apply. This exclusion has been deleted. In line with the new benefit for Data Recovery, the exclusion relating to electronic data is no longer required. Section 9 Personal Liability changes apply to 16PDSBT02 only and do not affect 16PDSBT01 Extent of Cover (reduction in cover) Policy now specifies that expenses incurred any action brought in the US, Canada or its jurisdictions will be included in the sum insured stated in the Schedule and not in addition to. Exclusion 1 Amended to also exclude relatives (reduction in cover) Exclusion 2 Amended to include temporary accommodation Exclusion 7 new exclusion, but already covered off in General Exclusion previously only applied to events arising in the course of a Covered Person s work. The form of work is extended to include work experience and voluntary work. The exclusion now also excludes relatives: 1. Bodily Injury to any person: a) Arising in the course of their employment, contract of service or apprenticeship, voluntary work, work experience or consultancy with the Policyholder; b) Who is a Close Relative or any other relative of the Covered Person; Whilst this was always the intent of the Policy, the wording did not reflect this. Exclusion has therefore been amended to include: other than temporary accommodation occupied by the Policyholder or a Covered Person in the course of a Journey; New exclusion applies: 7. any willful, malicious or unlawful act or omission. Please note that previously would have referred to General Exclusion 2, so no change to actual cover here. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 8
9 Section 10 Rental and Personal Vehicle Excess Definitions Rental Vehicle The definition does not limit to public roadways, but now stipulates that vehicle must be used in accordance with the hiring agreement: Rental Vehicle means a rented sedan, station wagon, hatchback or four-wheel drive (4WD) and other non-commercial vehicle rented or hired from a licensed motor vehicle rental/hire company for the sole purpose of carrying a Covered Person in accordance with the Rental Vehicle hiring agreement and shall not include any other vehicle or use. Administrative Expenses New benefit to cover administrative charges applied when making a claim through a rental company. In theory these have always been covered, but now specifically included. Not sub-limited. Deleted : Public roadways The exclusion that restricts cover to public roads only has been deleted entirely. Section 11 Extra Territorial Workers Compensation No changes Section 12 Political And Natural Disaster Evacuation Amended Exclusion: country of citizenship The exclusion has been amended to clarify that persons cannot claim under this section if they are in their Country of Residence rather than country of citizenship. The cover does not change. Extensions Applicable to All Sections Deleted Extension: War /Civil War Coverage Extension New Extension: Automatic Extension of Cover This section is deleted due to amendments to War Risk Cover see below. This new extension covers persons who suffer a Bodily Injury or Sickness and are unable to return to the point of origin of the Journey. Cover extends for a period of up to three months and applies even where cover is placed elsewhere and the loss occurs after the Period of Insurance has expired. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 9
10 General Applicable to the Policy Deleted Exclusion: War Risk Exclusion This exclusion is deleted in its entirety, however limitations apply as per below. General Provisions and Conditions Applicable to the Policy Amended Aggregate Limits: Agg limit (A) Amended Aggregate Limits: Agg Limit (C) Amended Aggregate Limits: Agg Limit (D) New Aggregate Limit: Agg Limit (E) This limit now only applies to each event. Previously this was an annual limit. This agg limit applies to War and is only applicable to the following countries: Afghanistan Chechnya Iraq Somalia And shall be limited to $100,000 per event. This agg limit applies to War and applies to countries as per Agg limit (C). This shall be limited to $500,000 in the aggregate (annual). This agg limit is new and applies to Section 2 Kidnap and Ransom. Previously, the K&R sum insured applied to any one kidnap. Now applies to each person, so is limited by Aggregate, rather than sum insured. Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. 10
11 About Chubb in Australia Chubb is the world s largest publicly traded property and casualty insurer. Chubb, via acquisitions by its predecessor companies, has been present in Australia for over 50 years. Its operation in Australia (Chubb Insurance Australia Limited) provides specialised and customised coverages include Marine, Property, Liability, Energy, Professional Indemnity, Directors & Officers, Financial Lines, Utilities as well as Accident & Health, for a broad client base, including many of the country s largest companies. More information can be found at Contact Us Chubb Insurance Australia Limited ABN: AFSL: Grosvenor Place Level 38, 225 George Street Sydney NSW 2000 O F Business Travel Insurance Summary of s, Australia. Published 11/ Chubb Insurance Australia Limited. Chubb, its logos, and Chubb.Insured. are protected trademarks of Chubb. Chubb
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