Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses - see https://www.psychiatry.org/.
mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and...
PREMIUM CARDS INSURANCES INSURANCE POLICY INFORMATION EFFECTIVE DATE: 1 MARCH 2020 1 The information in this booklet is subject to change from time to time and is correct and current as at the date on the cover. Any changes to terms and conditions related to insurance coverage will be communicated to you in writing with 30 days' notice. Any minor changes unrelated to insurance coverage will be published on anz.com. The Insurer is: Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 of 2 Market Street, Sydney NSW 2000. The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000. 2 CLAIMS AND ENQUIRIES You can contact Allianz Global Assistance for claims and enquiries using the contact details below. Online: Lodge your travel claim, 24 hours a day, 7 days a week or obtain a claim form for other complimentary covers at: anz.com/allianz Phone: 1300 135 271, 9am to 5pm AEST, Monday to Friday, except public holidays. Calls from mobiles, public telephones or hotel rooms may attract additional charges E-mail: ANZTravelTeam@allianz-assistance.com.au Postal address: Allianz Global Assistance Locked Bag 3014, Toowong DC, QLD 4066 24 HOUR EMERGENCY ASSISTANCE ALLIANZ GLOBAL ASSISTANCE Within Australia: 1800 010 075 Reverse charge from overseas: +61 7 3305 7465 Calls from mobiles, public telephones or hotel rooms may attract additional charges Email: medical@allianz-assistance.com.au Fax: +617 3305 7005 CONFIRMATION OF ELIGIBILITY You can obtain written confirmation of your eligibility for cover for your overseas journey (based on the answers you give us), by applying online at: anz.com/allianz If you provide us with incorrect answers to the questions we ask you, you may not be eligible for International Travel Insurance cover under the Group Policy issued to ANZ. 3 CONTENTS Important information about the complimentary covers provided 7 Introduction 7 ANZ is not the issuer (insurer) of these covers 7 Termination or variation of cover 8 Other insurances 8 Limitation of cover 9 Privacy 9 Definitions 12 Claims 89 How to make a claim 89 Depreciation 90 Claims are payable in Australian Dollars 91 You must not admit fault of liability 91 You must help us recover any money we have paid 91 How GST may affect your claim 91 Fraud 92 Complaints & Disputes 93 General insurance code of practice 93 International Travel Insurance Part A - Eligibility & activation of cover 20 Part B - Period of cover 24 Part C - Tables of benefits 27 Part D - Excesses and general exclusions 38 Part E - The cover we provide 42 Pre-existing medical conditions 42 Pre-existing medical conditions that 43 we may cover (some restrictions apply) Pregnancy 45 Emergency & medical services while overseas 47 Travelling overseas 48 Section 1.1 Overseas emergency assistance 49 Section 1.2 Overseas emergency medical 50 Section 1.3 Medicalevacuation & repatriation 52 Section 1.4 Hospital cash allowance 53 Section 1.5 Assault requiring hospitalisation 53 4 Section 1.6 Accidental death 53 Section 1.7 Funeral expenses 54 Section 1.8 Permanent disability 54 Section 1.9 Loss of income 55 Section 2.1 Cancellation 55 Section 2.2 Withdrawal of services 58 Section 3.1 Additional expenses 59 Section 3.2 Travel delay expenses 61 Section 3.3 Alternative transport expenses 62 Section 3.4 Return home & resumption 62 of journey (following death of a relative) Section 3.5 Domestic pets 63 Section 3.6 Emergency accommodation 64 due to terrorism Section 3.7 Hijack 64 Section 3.8 Personal safety evacuation 64 Section 4.1 Luggage 65 Section 4.2 Travel documents, transaction 69 cards & travellers cheques Section 4.3 Luggage delay 70 Section 4.4 Replacement sporting equipment 70 Section 5.1 Rental vehicle excess 71 Section 6.1 Personal liability 72 Section 6.2 Legal expenses 74 Interstate Flight Inconvenience Insurance Part A - Eligibility & activation of cover 21 Part B - Period of cover 25 Part C - Tables of benefits 34 Part D - Excesses and general exclusions 39 Part E - The cover we provide 75 Section 1.1 Cancellation 75 Section 2.1 Flight delay 76 Section 3.1 Luggage 77 Section 3.2 Luggage delay 80 Section 4.1 Funeral expenses 80 5 Transit Accident Insurance Part A - Eligibility & Activation of Cover 22 Part B - Period of Cover 25 Part C - Tables of Benefits 35 Part D - Excesses and General Exclusions 38 Part E - The covers we provide 81 Group Policy Aggregate Limit of Liability 82 Rental Vehicle Excess In Australia Insurance Part A - Eligibility & Activation of Cover 23 Part B - Period of Cover 26 Part C - Tables of Benefits 35 Part D - Excesses and General Exclusions 38 Part E - The covers we provide 83 Purchase Protection Insurance Part A - Eligibility & Activation of Cover 23 Part B - Period of Cover 26 Part C - Tables of Benefits 36 Part D - Excesses and General Exclusions 38 Part E - The covers we provide 85 Guaranteed Pricing Scheme Part A - Eligibility & Activation of Cover 23 Part B - Period of Cover 26 Part C - Tables of Benefits 36 Part D - Excesses and General Exclusions 38 Part E - The covers we provide 87 Extended Warranty Insurance Part A - Eligibility & Activation of Cover 23 Part B - Period of Cover 26 Part C - Tables of Benefits 37 Part D - Excesses and General Exclusions 38 Part E - The covers we provide 88 6 IMPORTANT INFORMATION ABOUT THE COMPLIMENTARY COVERS PROVIDED INTRODUCTION This booklet describes the complimentary insurance benefits provided by Allianz, which are available to eligible ANZ card cardholders and other eligible beneficiaries. Cover applies to events occurring on or after 2 October 2019. You are not covered for events occurring after termination of or the expiry of the period of the Group Policy issued to ANZ. ANZ will provide accountholders with details of any replacement cover. These covers are available under a Group Policy issued to Australia and New Zealand Banking Group Limited, ABN 11 005 357 522, AFSL and Australian credit licence No 234527 (ANZ) of Level 9, 833 Collins Street, Docklands, VIC 3008 by AWP Australia Pty Ltd, ABN 52 097 227 177, AFS Licence No 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000 (Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited, ABN 15 000 122 850, AFS Licence No. 234708, of 2 Market Street, Sydney, NSW 2000 (Allianz). For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the Group Policy on behalf of Allianz. There is no obligation to accept any of these benefits. However, if you wish to claim any of these benefits, you will be bound by the definitions, terms, conditions, exclusions and claims procedures contained in this booklet. PLEASE READ THIS BOOKLET CAREFULLY AND KEEP IT IN A SAFE PLACE. Also please keep detailed particulars and proof of any loss including the sales receipts and ANZ card account statements showing any purchases. ANZ IS NOT THE ISSUER (INSURER) OF THESE COVERS ANZ is not the issuer of these covers and neither it nor any of its related corporations guarantee or are liable to pay any of the benefits under these covers. Neither ANZ nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or any of their related companies. 7 TERMINATION OR VARIATION OF COVER ANZ or Allianz may terminate or vary any one or all of the covers described in this booklet, and if so ANZ will notify accountholders of the termination or change in writing. The existing cover will only apply to events occurring before the date of change or termination. No cover is provided for events occurring after the date of termination. ANZ will provide accountholders with details of any replacement cover. OTHER INSURANCES The covers described in this booklet are provided for your benefit under a Group Policy entered into between Allianz and ANZ. ANZ is the policy owner. When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a comprehensive travel insurance policy for your overseas journey), in respect of the same loss as your claim under this Group Policy, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth) Allianz is not liable to provide indemnity under this Group Policy until the amount of any indemnity under that Other Policy is exhausted. In other words, any cover under this Group Policy in respect of the same loss shall only be excess insurance cover over and above the applicable Other Policy. If you make a claim under another insurance policy and you are not paid the full amount of the claim, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), the cover provided to you under the Group Policy will make up the difference, to the extent of cover that applies, in accordance with the terms and conditions contained in this booklet. We may seek contribution from your other insurer. You must give us any information that we reasonably require to help us make a claim from the other insurer. 8 LIMITATION OF COVER Notwithstanding any other terms, we shall not be deemed to provide coverage and we will not make any payments nor provide any service or benefit to any person or other party to the extent that such cover, payment, service, benefit and/ or any business or activity of the person would violate any applicable trade or economic sanctions law or regulation. PRIVACY To offer or provide you with our products and services (or those we may offer or provide to you on behalf of our business partners) we, namely AWP Australia Pty Ltd ABN 52 097 227 177 trading as `Allianz Global Assistance', and our agents and representatives, collect, store, use, and disclose your personal information including sensitive information. We usually collect it directly from you but sometimes from others depending upon the circumstances and the product involved. For instance, we may collect your personal information from our business partners who may have provided you with a product or service including but not limited to travel insurance, roadside assistance with a vehicle purchase, Overseas Student or Visitor Health Cover, or other assistance services we arrange or provide. For example, your personal information may be collected from your family members and travel companions, doctors, and hospitals if you purchase our travel insurance and require medical assistance. Likewise, we collect personal information from universities and your agents if you inquire about or apply for our Overseas Student or Visitor Health Cover. We are the `data controller' and responsible for ensuring your personal information is used and protected in accordance with applicable laws including the Privacy Act 1988 and sometimes European Law (the GDPR) where our activities are within its scope. Personal information we collect includes, for example, your name, address, date of birth, email address, and sometimes your medical information, passport details, bank account details, as well as other information we collect through devices like `cookies' when you visit our website such as your IP address and online preferences. We use your personal information to offer and provide our products and services and to manage your and our rights and obligations in connection with any products and services you have acquired. For instance, we use it to assess, process, and investigate any travel or health insurance claims, and to liaise with Government Departments when necessary. We 9 may also use it for product development, marketing (where permitted by law or with your consent but not in connection with some products or services such as credit card insurances), customer data analytics, research, IT systems maintenance and development, recovery against third parties, fraud investigations, and for other purposes with your consent or where permitted by law. We do not use sensitive information for marketing purposes or provide that information to any third parties for marketing. Your personal information may be disclosed to third parties (some of whom are data processors) who assist us to carry out the above activities both inside and outside of Australia, such as claims management providers, travel agents and intermediaries, insurers, investigators, cost containment providers, medical and health service providers, universities and other education institutions, roadside assistance and towing providers, vehicle manufacturers, overseas data storage (including `cloud' storage) and data handling providers, legal and other professional advisers, your agents and broker, your travel group leader if you travel in a group, your employer if you have a corporate travel policy, your bank (ANZ) if you are the beneficiary of the bank's credit card insurances, insurance reference bureaux, and our related and group companies including Allianz. Some of these third parties may be located in other countries including in Europe, Asia, Canada, or the USA. We also, where necessary, disclose your personal information to Government Departments including for immigration and private health insurance purposes as well as to regulatory bodies. With the exception of credit card insurances and some other products and services that we offer or provide on behalf of certain clients, we may, where permitted by law or with your consent, contact you by telephone, normal mail, email, electronic messages such as SMS, and via other means with promotional material and offers of products or services from us, our related companies, as well as offers from our business partners that we consider may be relevant and of interest to you. Where we contact you as a result of obtaining your consent, you can withdraw your consent at any time by calling us on 1800 023 767 or by contacting us see below. When you provide personal information to us about other individuals, we rely on you to have first obtained the individual's consent, and have made them aware of the matters set out in this Privacy Notice. 10 You may also (1) seek access to your personal data and ask about its origin, the purposes of the processing, and details of the data controller or data processor, and the parties to whom it may be disclosed; (2) ask us to correct and update your personal information, (3) ask for a copy of your personal data in an electronic format for yourself or for someone you nominate. You may in some circumstances restrict the processing of your personal data, and request that it be deleted. Where your personal information is used or processed with your specific consent as the sole basis for processing (rather than on a contractual basis or legitimate interest), you may withdraw your consent at any time. You may not access or correct personal information of others unless you have been authorised by their express consent, or unless they are your dependants under 16 years of age. If you have a request or complaint concerning your personal information or about data privacy, please contact: Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066, or email DataPrivacyAU@allianz-assistance.com.au. You can also contact the Privacy Commissioner at the Office of The Australian Information Commissioner, GPO Box 218, Sydney, NSW 2601 if you have a complaint. For more information about our corporate privacy policy and handling of personal information, including further details about access, correction and complaints, please visit our website at www.allianz-assistance.com.au and click on the Privacy & Security link. If you do not agree with the matters set out in our privacy policy or will not provide us with the personal information we request, we may not be able to provide you with our products or services including the assessment and payment of any claims. In cases where we cannot comply with your request concerning your personal information, we will give you reasons why. 11 DEFINITIONS Headings have been included for ease of reference but do not form part of the terms and conditions of the cover provided. The following key words have particular meaning in this booklet and the Group Policy and are highlighted in bold font. The use of defined words in the singular includes the plural and vice versa. accident/accidental/accidentally means an unexpected event caused by something external and visible. accountholder means an ANZ customer, being an individual, business entity or company, who has entered into a card account with ANZ and in whose name the card account was opened. The account holder is the individual, business entity or company that has contractual obligations with ANZ under the card account. Allianz means Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708. Allianz Global Assistance means AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631. ANZ means Australia and New Zealand Banking Group Limited, ABN 11 005 357 522, AFSL and Australian credit licence No 234527. card means a current and valid: - ANZ Frequent Flyer Platinum; or - ANZ Frequent Flyer Black; or - ANZ Rewards Platinum; or - ANZ Rewards Travel Adventures; or - ANZ Rewards Black; or - ANZ Platinum; or - ANZ Low Rate Platinum. card account means: · a current and valid ANZ card facility provided by ANZ to which purchases made by cardholders on an ANZ card are charged; or · the primary account linked to an ANZ card to which a transaction is routed by any electronic funds transfer facility. 12 cardholder means a person who permanently resides in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency) to whom ANZ has issued an ANZ card (this includes primary and additional cardholders). chronic means a persistent and lasting condition. It may have a pattern of relapse and remission. concealed storage compartment means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a vehicle. conveyance means an aircraft, vehicle, taxi, train, bus or shorthaul ferry (but not a cruise ship) that is licensed or authorised to carry fare-paying passengers. covered breakdown means the failure of a covered item to operate for the purpose for which it was designed, as a direct result of a breakdown or defect. This does not include where the breakdown or defect is covered by the terms of the manufacturer's warranty. covered item means an item acquired for personal, domestic or household use but excludes: · items acquired for the purpose of sale or trade; · animals or plant life; · boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories; · computer software and other non-tangible items; · cash, bullion, negotiable instruments, vouchers, gift cards, securities, trading cards, tickets of any description, travellers cheques or collections such as stamps, coins and cards; · consumable or perishable items (including but not limited to food, drink, drugs, cosmetics, fuel or oil); · manuscripts and books of account; · second-hand items including works of art and antiques; · items of contraband; · real estate and movable fixtures or fittings (including but not limited to dishwashers, stoves, ovens and fixed air conditioners) which are or are intended to form part of any residence or real estate. 13 dangerous activities means you exposing yourself to danger during your journey, unless in an attempt to preserve your life or the life of another person and includes but is not limited to activities such as: · scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor; · mountaineering or rock climbing, racing (other than amateur racing on foot), white water rafting, boating, abseiling, parasailing, skydiving, hang-gliding, base jumping, bungy jumping, pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, offpiste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity; or · participation in any kind of professional sport. dependant means your child, step child, foster child, grand child or ward not in full-time employment who is aged 24 years or under at the time that their eligibility for cover is met. excess means the deduction we will make from the amount otherwise payable for each claimable incident or event. funeral expenses means the costs charged by a funeral director for arranging a funeral service and by a cemetery for a burial or a crematorium for a cremation. It does not include the cost of memorialisation or any other costs. home means the place where you normally live in Australia. hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a nursing or convalescent home, a place of rest, a geriatric ward, a mental institution, a rehabilitation or external care facility or a place for the treatment of alcoholism, drug addiction or substance addiction. income means the amount of money you earn from your employment in a trade, business, profession or occupation after the deduction of income tax. injure or injured or injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease. 14 insolvency or insolvent means bankruptcy, provisional liquidation, liquidation, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction. interstate flight means travel on a registered and scheduled commercial passenger airline from any Australian state or territory to another Australian state or territory. journey means travel which begins when you leave home or your place of business to commence your travel and ends when you arrive back home or at a hospital or nursing home in Australia (if you are evacuated or repatriated), whichever happens earlier. loss of as used with reference to a hand or a foot means severance through or above the wrist or ankle joint. manufacturer's warranty means the manufacturer's written warranty, properly registered with the manufacturer, that is applicable and able to be fulfilled within Australia. medical adviser means a doctor, a clinical psychologist or a dentist, who is not you, your travel companion or a relative or an employee of you, your travel companion or a relative, holding the necessary certification for the country in which they are currently practicing and qualified to give the diagnosis being provided. medical expenses means reasonable expenses incurred for: · medical, paramedical or surgical treatment and other treatment given or prescribed by a medical adviser; or · ambulance or hospital charges; or · dental treatment arising as a result of an injury; or · emergency dental charges up to the limit specified in Part C - Table of benefits, Section 1.2.1 c) Overseas Emergency Medical - Overseas dental expenses due to sudden & acute pain to natural teeth (spontaneous toothache). This does not include dental treatment for deterioration, decay or normal wear and tear to teeth; or · expenses for your medical transfer or evacuation to the nearest hospital for emergency medical treatment or to be brought back to your home with appropriate medical supervision. 15 mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses - see https://www.psychiatry.org/ psychiatrists/practice/dsm or consult your medical adviser). motorcycle means any two-wheeled or three-wheeled motor vehicle. natural disaster means any event or force of nature that has catastrophic consequences, such as avalanche, earthquake, flood, bush fire, hurricane, tornado, cyclone, tsunami and volcanic eruption, but not epidemics or pandemics. overseas means outside of Australia and its territories other than when you are aboard a foreign registered cruise vessel in Australian territorial waters. permanent disability means: · physical loss or complete loss of use of an arm at or above the wrist; or · physical loss or complete loss of use of a leg at or above the ankle; or · complete loss of sight in one or both eyes. pre-existing medical condition means any condition, including but not limited to pregnancy, mental illness, anxiety, alcoholism, drug addiction or substance addiction and/or any chronic or ongoing physical, medical, mental or dental condition, which you or a reasonable person in your circumstances should have been aware of or become aware of, or for which investigation, treatment or advice has been sought or received, or medication prescribed or taken: · at any time before you obtained your return overseas travel ticket for the cover provided under International Travel Insurance; · at any time before you obtained your interstate flight ticket for the cover provided under Interstate Flight Inconvenience Insurance; and · any complication arising from any such condition outlined above, except that any unexpected or unforeseen complication arising from your pre-existing pregnancy is not considered to be a pre-existing medical condition. 16 professional sport means training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000. public place means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, shops, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas. quad bike means a motorised vehicle designed to travel on four or more wheels, having a seat straddled by the operator and handlebars for steering control. reasonable means: · for medical expenses, the standard level given in the country you are in not exceeding the level you would normally receive in Australia; · for other covered expenses, a level comparable to those you have booked for the rest of your journey. Reciprocal Health Care Agreement means an agreement between the Government of Australia and the government of another country where Australian residents are provided with subsidised essential medical treatment. (Please visit www.dfat.gov.au for details of Reciprocal Health Care Agreements with Australia). relative means: · spouse; · parent, parent-in-law; step parent, guardian; · grandparent; · child, grandchild, step child, foster child, ward; · brother, brother-in-law, sister, sister-in-law; · daughter-in-law, son-in-law; · fiance, fiancee; · uncle, aunt; · half brother, step brother, half sister, step sister; or · niece, nephew. 17 rental vehicle means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/people mover rented from a motor vehicle rental company or agency. return overseas travel ticket means a ticket from Australia and return to Australia. sick or sickness means a medical condition (including a mental illness), not being an injury, the signs or symptoms of which first occur or manifest during your period of cover. special event means a wedding, funeral, conference, 25th or 50th wedding anniversary, pre-paid ticketed concert or prepaid ticketed sporting event, pre-paid cruise or pre-paid tour which before you left Australia you had planned to attend. sporting equipment means equipment needed and used to participate in a particular sport and which can be carried about with you. spouse means the partner of the cardholder who is permanently living with the cardholder at the time the journey or trip starts. transaction card means a debit card, credit card or travel money card. travel companion means a person with whom you made arrangements before the journey began, to travel with you for at least fifty per cent (50%) of the period of cover provided for your journey. trip means an overseas passage by the cardholder and their spouse and/or dependants as paying passengers on a conveyance. unlimited means there is no capped dollar amount. unsupervised means leaving your covered items or valuables: a)with a person who is not a travel companion or who is not a relative; or b)with a person who is a travel companion or who is a relative but who fails to keep your covered items or valuables under close supervision; or c) where they can be taken without your knowledge; or d)at such a distance from you that you are unable to prevent them being taken; and 18 includes forgetting or misplacing items of your covered items or valuables, leaving them behind or walking away from them. valuables means jewellery, watches, precious metals or semi-precious stones/precious stones and items made of or containing precious metals or semi-precious stones/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), tablets, MP3/4 players and PDAs. we, our, us means Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708 and its agent AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance. you, your and yourself means cardholder, spouse or dependants if they are eligible to obtain cover except in the definition of pre-existing medical condition where you or your means cardholder, spouse, dependant, relative, travel companion or any other person. 19 PART A - ELIGIBILITY & ACTIVATION OF COVER Please refer to each section of this booklet to determine the complimentary insurance benefits that may be available to you. INTERNATIONAL TRAVEL INSURANCE Who is eligible? As a cardholder you are eligible for this International Travel Insurance when you meet all of the following criteria: 1. you permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency; 2. before leaving Australia you spend at least $250 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs (e.g. cost of your return overseas travel ticket; and/or airport/departure taxes; and/or your prepaid overseas accommodation/ travel; and/or your other prepaid overseas itinerary items) to the accountholder's card account; 3. you have a return overseas travel ticket before leaving Australia; and 4. you are aged eighty (80) years or under at the time you become eligible for this cover by meeting conditions 1 to 3 inclusive, listed above. Who else is eligible? If the cardholder becomes eligible for this insurance, a spouse and/or dependant(s) also become eligible for this International Travel Insurance, when each of them individually meets all of the following eligibility criteria: 1. they permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles them to residency; 2. each of the spouse and/or dependants is travelling with the cardholder for at least fifty per cent (50%) of the period of cover provided to the cardholder for the cardholder's overseas journey; 3. each of the spouse and/or dependants has a return overseas travel ticket before leaving Australia; and 20 4. each of the spouse and/or dependants are aged 80 years or under at the time they each become eligible for this cover by meeting all of conditions 1 to 3 inclusive, listed above. Dependants under the age of two years at the date the journey commences If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two (2) years as at the date the journey commences is eligible for this International Travel Insurance provided the dependant is travelling with the cardholder for at least fifty per cent (50%) of the period of cover provided to the cardholder for the cardholder's journey. No cover is provided for dependants born on your journey (refer to the section headed Pregnancy in Part E - The cover we provide, International Travel Insurance and General Exclusion 5). INTERSTATE FLIGHT INCONVENIENCE INSURANCE Who is eligible? If you are a cardholder, you are eligible for Interstate Flight Inconvenience Insurance if the entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the accountholder's card account prior to commencing the journey. Who else is eligible? If the cardholder is eligible for this insurance, the cardholder's spouse and dependants are also eligible for this insurance provided: 1. the entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the accountholder's card account prior to commencing the journey; and 2. the spouse and/or dependants are travelling with the cardholder for at least fifty per cent (50%) of the period of cover provided to the cardholder for the cardholder's journey. Dependants under the age of two years at the date the journey commences If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two (2) years as at the date the journey commences is eligible for this Interstate Flight Inconvenience Insurance provided the dependant is 21 travelling with the cardholder for at least fifty per cent (50%) of the period of cover provided to the cardholder for the cardholder's journey. When a cardholder, spouse and dependant are travelling together, only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant. For the avoidance of doubt, you will not be eligible for cover under Interstate Flight Inconvenience Insurance if your journey is for a period greater than fourteen (14) consecutive days. TRANSIT ACCIDENT INSURANCE Who is eligible? Cardholders are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the accountholder's card account prior to the commencement of the trip. Who else is eligible? If the cardholder is eligible for this insurance, the cardholder's spouse and/or dependants are also eligible for this insurance provided: a) each of them is travelling with the cardholder on the entire trip; and b) the entire payment for their trip was charged to the accountholder's card account prior to the commencement of the trip. Dependants under the age of two years at the date the journey commences If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two (2) years as at the date the trip commences is eligible for this Transit Accident Insurance provided the dependant is travelling with the cardholder for the entire trip. When a cardholder, spouse and dependant are travelling together only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant. 22 RENTAL VEHICLE EXCESS IN AUSTRALIA INSURANCE Who is eligible? Only cardholders are eligible for Rental Vehicle Excess in Australia Insurance if the entire payment for the vehicle rental was charged to the accountholder's card account. PURCHASE PROTECTION INSURANCE Who is eligible? Only cardholders are eligible for Purchase Protection Insurance for covered items: a) purchased anywhere in the world; or b) purchased as a gift and given to any permanent Australian resident, provided the purchase price of the covered item is charged to the accountholder's card account. GUARANTEED PRICING SCHEME Who is eligible? Only cardholders are eligible for Guaranteed Pricing Scheme cover when the whole purchase price of a covered item is charged to the accountholder's card account. EXTENDED WARRANTY INSURANCE Who is eligible? Only cardholders are eligible for Extended Warranty Insurance when the whole purchase price of a covered item is charged to the accountholder's card account. This Extended Warranty Insurance is not transferable. 23 PART B - PERIOD OF COVER INTERNATIONAL TRAVEL INSURANCE If you have met all the criteria listed under Part A - Eligibility & Activation of Cover before leaving Australia, cover is available under International Travel Insurance for your journey for a period of up to six (6) consecutive months for cardholders, their spouses and/or dependants. The period of cover provided for your journey cannot be extended by you. The period of cover provided under SECTION 2.1 CANCELLATION begins on the date you become eligible for cover by meeting the criteria set out in Part A - Eligibility & Activation of Cover under the heading International Travel Insurance. Provided you meet the eligibility criteria set out in Part A - Eligibility & Activation of Cover under the heading International Travel Insurance, the period of cover provided for all other insured events commences when you leave your home to start your journey or on the departure date shown on your return overseas travel ticket, whichever occurs later. Cover under all sections ends when the first of the following occurs: · when you return to your home; or · when you arrive at a hospital or nursing home in Australia (if you are evacuated or repatriated); or · at midnight on the date when you are due to return to your home as shown on your return overseas travel ticket; or · six (6) consecutive months after the date of departure shown on your return overseas travel tickets; or · when you cancel your return overseas travel ticket; or If you have a return overseas travel ticket and your return to Australia is delayed because of a covered event, or because your scheduled means of transport is delayed for reasons beyond your control: · your period of cover will automatically be extended by us for up to four (4) consecutive weeks or until you return to your home, whichever happens first; or 24 · if you are an hospital inpatient overseas at the end of the additional four (4) consecutive weeks, we will continue to provide cover for medical expenses and evacuation for up to twelve (12) consecutive months from the date of your departure from Australia or until you are fit to return to your home, whichever occurs first. INTERSTATE FLIGHT INCONVENIENCE INSURANCE The period of cover provided under SECTION 1.1 CANCELLATION begins on the date you become eligible for cover by meeting the eligibility criteria set out in Part A Eligibility & Activation of Cover under the heading Interstate Flight Inconvenience Insurance. Provided you meet the eligibility criteria set out in Part A Eligibility & Activation of Cover under the heading Interstate Flight Inconvenience Insurance, the period of cover provided for all other insured events commences when you leave your home to start your journey or on the departure date shown on your interstate flight ticket, whichever is the later. Cover under all sections ends when the first of the following occurs: a) when you return to your home from the airport shown on your return interstate flight ticket; or b) you cancel your return interstate flight ticket; or c) fourteen (14) consecutive days after your journey starts. For the avoidance of doubt, you will not be eligible for cover under Interstate Flight Inconvenience Insurance if your travel is for a period greater than fourteen (14) consecutive days. TRANSIT ACCIDENT INSURANCE Transit Accident Insurance provides cover when; a) you board your conveyance for your trip and ends when you disembark from your conveyance at the end of your trip; b) boarding or alighting, being when you physically get on or off a conveyance, at any airport, coach deport, railway station or dock during your trip; and c) travelling as a passenger in a conveyance directly to or from any airport, coach depot, railway station or dock immediately before or after the scheduled trip. 25 RENTAL VEHICLE EXCESS IN AUSTRALIA INSURANCE Cover begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or the expiry of the rental vehicle agreement, whichever occurs earlier. PURCHASE PROTECTION INSURANCE Purchase Protection Insurance applies to covered items for ninety (90) consecutive days after the date that you take possession of the covered item provided that the purchase price of the covered item is charged to the accountholder's card account. GUARANTEED PRICING SCHEME Guaranteed Pricing Scheme applies to covered items for twenty one (21) consecutive days after the date that the full purchase price of the covered item is charged to the accountholder's card account. EXTENDED WARRANTY INSURANCE Cover applies from the date the manufacturer's warranty expires and applies for the same period as the manufacturer's warranty for up to a maximum of one (1) full year however, there is no cover if the manufacturer's warranty exceeds five (5) years. The table below sets out examples of how extended warranty periods apply. Manufacturer's Warranty Period 7 days 14 days 1 month 6 months 1 year 1 to 5 years Over 5 years Extended Warranty Period 7 days 14 days 1 month 6 months 1 year 1 year No cover 26 PART C - TABLES OF BENEFITS The covers available are outlined in Part E, The cover we provide and are subject to the applicable terms, conditions, limits, sublimits and exclusions. Please read the entire booklet to ensure that the covers and benefits meet your requirements. If you need advice in respect of your particular circumstances or needs, please consult an appropriately licensed insurance adviser. All limits and sub-limits in the tables contained in Part C are shown in Australian dollars. INTERNATIONAL TRAVEL INSURANCE The table below sets out the maximum limits of what we will pay under each section of International Travel Insurance. Section Limit 1.1 Overseas Emergency Assistance Unlimited. 1.2 Overseas Emergency Medical 1.2.1 a) Overseas medical expenses due to covered injury or sickness Unlimited. 1.2.1 b) Overseas medical expenses due to covered pre-existing medical condition Unlimited. 1.2.1 c) Overseas dental expenses due to sudden and acute pain to natural teeth (spontaneous toothache) Up to a maximum total limit of $2,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse for emergency dental treatment for sudden and acute pain (toothache) to natural teeth. 27 Section Limit 1.3 Medical Evacuation & Repatriation Unlimited. 1.4 Hospital Cash Allowance $75 per person per day with a maximum total limit of $8,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. 1.5 Assault requiring $500 per person. hospitalisation 1.6 Accidental Death $50,000 per cardholder $50,000 per spouse; $1,000 per dependant. 1.7 Funeral Expenses Up to a maximum total limit of $25,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. 1.8 Permanent Disability Up to a maximum total limit of $50,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. 1.9 Loss of Income Your verified income per week up to a maximum total limit of $10,000 each for a cardholder or a spouse. 2.1 Cancellation 2.1.1 a) Unused arrangements and travel agents fees Unlimited except: · for a travel agent's cancellation fee which is limited to an amount equal to the lesser of $2,000 or level of commission or service fee on booking; 28 Section 2.1.1 b) Frequent flyer, air miles, loyalty card points & redeemable vouchers 2.1.1 c) Rescheduling your journey 2.2 Withdrawal of Services Limit Unlimited. The amount that would be payable under 2.1.1 a) and 2.1.1 b) plus: · the reasonable additional meal costs arising from interruption to your journey limited to $75 per day up to a maximum total limit of $500 each for a cardholder or a spouse, with accompanying dependants participating in the limit available to a cardholder or a spouse; and · the reasonable internet use and telephone expenses arising from interruption to your journey up to a maximum total limit of $250 each for a cardholder or a spouse, with accompanying dependants participating in the limit available to a cardholder or a spouse. After forty eight (48) consecutive hours, up to $50 for each subsequent twenty four (24) consecutive hour period with a maximum total limit of $500 each for a cardholder or a spouse, with accompanying dependants participating in the limit available to a cardholder or a spouse. 29 Section Limit 3.1 Additional Expenses 3.1.1 a) Additional travel & accommodation expenses due to your incapacity Unlimited. 3.1.1 b) Emergency travel & accommodation expenses for a necessary companion Unlimited. 3.1.1 c) Additional travel & accommodation expenses due to your travel companion's incapacity Unlimited. 3.1.1 d) Expenses due to your repatriation or evacuation home Unlimited. 3.1.1 e) Repatriation of dependants left without supervision Unlimited. 3.1.1 f ) Additional travel & accommodation expenses due to specified events Unlimited. 3.2 Travel Delay After six (6) consecutive hours delay, up to $50 for meals and $250 accommodation expenses for each subsequent twenty four (24) consecutive hour period up to a maximum total limit of $2,000 each for a cardholder or a spouse, with accompanying dependants participating in the limit available to a cardholder or a spouse. 30 Section 3.3 Alternative Transport 3.4 Return home & resumption of journey (following death of a relative) 3.5 Domestic Pets 3.6 Emergency accommodation due to terrorism 3.7 Hijack 3.8 Personal Safety Evacuation 4.1 Luggage 4.1.1 a) Covered items stolen, accidentally damaged or permanently lost Limit Up to $2,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. Up to a maximum total limit of $3,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. Up to a maximum total limit of $500 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. Up to $300 per day to a maximum total limit of $3,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. Unlimited. Unlimited. Up to a maximum total limit of $12,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse subject to the following limits: · Up to $4,000 per item for computers, cameras and video cameras; · Up to $1,000 per item for any other item. 31 Section Limit 4.1.1 b) Covered items left unattended in a vehicle during daylight hours Covered items left unattended in a motor vehicle are only insured up to a maximum total limit of $5,000. 4.1.1 c) Valuables left in a vehicle or in checked-in luggage No cover is provided. 4.2 Travel Documents, Transaction Cards & Travellers Cheques 4.2.1 a) Reissue or replacement cost Up to a maximum total limit of $3,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse, for replacement travel documents (including passports), transaction cards or travellers cheques. 4.2.1 b) Fraudulent use Up to a maximum total limit of $3,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse, for any loss resulting from fraudulent use of transaction cards or travellers cheques. 4.3 Luggage Delay Up to $500 after ten (10) consecutive hours delay and an additional $1,000 after seventy two (72) consecutive hours delay with a maximum total limit of $1,500 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. 4.4 Replacement Sporting Equipment Up to a maximum total limit of $200 for the cost of hiring replacement sporting equipment. 32 Section Limit 5.1 Rental Vehicle Excess 5.1.1 a) Rental vehicle damage or theft · Up to $5,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to a cardholder or a spouse, for damage to or theft of the rental vehicle. 5.1.1 b) Return of rental vehicle · Up to $750 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse, for return of the rental vehicle. 6.1 Personal Liability Up to a maximum total limit of $3,000,000 each event for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. 6.2 Legal expenses Up to a maximum total limit of $15,000 each for a cardholder or a spouse, with all accompanying dependants participating in the limit available to either a cardholder or a spouse. 33 INTERSTATE FLIGHT INCONVENIENCE INSURANCE The table below sets out the maximum limits of what we will pay under each section of Interstate Flight Inconvenience Insurance. Section 1.1 Cancellation 2.1 Flight Delay 3.1 Luggage 3.2 Luggage Delay 4.1 Funeral expenses Limit $1,500 maximum total limit for all claims combined. For a delay of four (4) consecutive hours or more, $50 per person charged to card account, up to a maximum total limit of $100 for all claims combined. Up to $450 for each covered item with a maximum total limit of $1,200 for all claims combined. For a delay of 12 consecutive hours or more, $75 per person charged to card account, up to a maximum total limit of $250 for all claims combined. Up to $2,250 per person with a maximum total limit of $4,500 for all claims combined. 34 TRANSIT ACCIDENT INSURANCE The table below sets out the amounts we will pay under Transit Accident Insurance. Injury Loss of life Loss of both hands or loss of both feet Loss of one hand and loss of one foot Loss of the entire sight in both eyes Loss of the entire sight in one eye and loss of one hand and/or loss of one foot Loss of one hand or loss of one foot Loss of the entire sight in one eye Benefit amount Cardholder/ spouse Dependant $750,000 $20,000 $375,000 $375,000 $375,000 $375,000 $375,000 $375,000 $375,000 $375,000 $175,000 $175,000 $175,000 $175,000 If you sustain more than one injury arising from the one accident, we will only pay the highest Benefit Amount for the applicable injury. RENTAL VEHICLE EXCESS IN AUSTRALIA INSURANCE The table below sets out the maximum limits of what we will pay under Rental Vehicle Excess in Australia Insurance. Card ANZ Frequent Flyer Platinum; or ANZ Frequent Flyer Black; or ANZ Rewards Platinum; or ANZ Rewards Travel Adventures; or ANZ Rewards Black; or ANZ Platinum; or ANZ Low Rate Platinum. Limit Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,000, whichever is the lesser, for all claims combined during each rental period. 35 PURCHASE PROTECTION INSURANCE The table below sets out the maximum limits of what we will pay under Purchase Protection Insurance. Card ANZ Frequent Flyer Platinum; or ANZ Frequent Flyer Black; or ANZ Rewards Platinum; or ANZ Rewards Travel Adventures; or ANZ Rewards Black; or ANZ Platinum; or ANZ Low Rate Platinum. Limit Purchase price charged to card account limited to $10,000 per covered item except for jewellery watches and new works of art which are limited to $3,500 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $135,000 per card account. GUARANTEED PRICING SCHEME The table below sets out the maximum limits of what we will pay under Guaranteed Pricing Scheme. Card ANZ Frequent Flyer Platinum; or ANZ Frequent Flyer Black; or ANZ Rewards Platinum; or ANZ Rewards Travel Adventures; or ANZ Rewards Black; or ANZ Platinum; or ANZ Low Rate Platinum. Limit Up to a maximum total limit of $300 any one covered item subject to the advertised covered item being priced at least $75 less than the covered item you purchased. 36 EXTENDED WARRANTY INSURANCE The table below sets out the maximum limits of what we will pay under Extended Warranty Insurance. Card ANZ Frequent Flyer Platinum; or ANZ Frequent Flyer Black; or ANZ Rewards Platinum; or ANZ Rewards Travel Adventures; or ANZ Rewards Black; or ANZ Platinum; or ANZ Low Rate Platinum. Limit Purchase price charged to card account limited to $10,000 per covered item up to a maximum total limit of $10,000 per card account in any twelve (12) consecutive month period. 37 PART D - EXCESSES AND GENERAL EXCLUSIONS EXCESSES WHAT YOU CONTRIBUTE TO A CLAIM You must pay the following excess amounts for each claim made under the following covers even if a number of claims are submitted on the one claim form. However if you make more than one claim as the result of a single event, the highest excess will apply but will only apply once. Section Cover type Excess amount International Travel Insurance 1.1 Overseas Emergency Assistance Nil 1.2 Overseas Emergency Medical $250 1.2.1 c) Emergency Dental $250 1.3 Medical Evacuation & Repatriation $250 1.4 Hospital Cash Allowance Nil 1.5 Assault requiring hospitalisation Nil 1.6 Accidental Death Nil 1.7 Funeral Expenses Nil 1.8 Permanent Disability Nil 1.9 Loss of Income Nil 2.1 Cancellation $250 2.2 Withdrawal of Services Nil 3.1 Additional Expenses $250 3.2 Travel Delay Nil 3.3 Alternative Transport Expenses Nil 3.4 Return Home & Resumption Nil of journey 3.5 Domestic Pets Nil 3.6 Emergency Accommodation due Nil to Terrorism 3.7 Hijack Nil 4.1 Luggage $250 38 Section 4.2 4.3 4.4 5.1 6.1 6.2 Cover type Travel Documents, Transaction Cards & Travellers Cheques Luggage Delay Replacement Golf & Surf Equipment Rental Vehicle Excess Personal Liability Legal Expenses Excess amount Nil Nil Nil Nil Nil Nil Interstate Flight Inconvenience Insurance 1.1 Cancellation Nil 2.1 Flight Delay Nil 3.1 Luggage Nil 3.2 Luggage Delay Nil 4.1 Funeral Expenses Nil Transit Accident Insurance Nil Rental Vehicle Excess in Australia Insurance $350 Purchase Protection Insurance Nil Guaranteed Pricing Scheme Nil Extended Warranty Insurance Nil GENERAL EXCLUSIONS The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising directly or indirectly from or in any way related to: 1. your claim is for consequential loss of any kind including loss of enjoyment; 39 2. you booking travel or travelling against medical advice, travel for the purpose of getting medical treatment or advice, or travel after a medical adviser informs you that you are terminally ill; 3. your intentional self harm or your suicide or your attempted suicide; 4. your intoxication or the effect of or your chronic use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser; 5. regular ante natal care or any expense arising: · from childbirth at any gestation (except when arising from an injury or sickness); · from care of a newborn child; · after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); · from pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover, or complications in any previous pregnancy; · from pregnancy related sickness if you used artificial reproductive techniques (including IVF) to conceive your pregnancy before you became eligible for cover; 6. you failing to follow advice or act upon a warning: · from any government; or · from any official body; or · broadcast or published in mass media. 7. your travel in any air supported device other than as a passenger in: · a fully licensed aircraft operated by an airline or charter company; or · a regulated or licensed hot air balloon. 8. your participation in any dangerous activities; 40 9. your participation in any activities involving a quad bike or motorcycle during your journey unless it involves you only driving a motorcycle with an engine capacity of 250cc or less for which you hold a current motorcycle licence; 10. deliberate acts or illegal or criminal acts by you, or any other person acting with your consent or under your direction; 11. your participation as a crew member or pilot of any conveyance; 12. your or your travel companion's failure to obtain a visa, a passport or a passport with a required minimum remaining validity; 13. the injury, illness or death of any person (who is not a travel companion) who is aged 80 years or over at the time you become eligible for cover under International Travel Insurance; 14. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 15. arising from changes in currency rates; 16. your failure to take reasonable care; 17. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 18. a nuclear reaction or contamination from nuclear weapons or radioactivity; 19. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 20. any payment which would violate any applicable trade or economic sanctions, law or regulation. 41 PART E - THE COVER WE PROVIDE INTERNATIONAL TRAVEL INSURANCE PRE-EXISTING MEDICAL CONDITIONS Please ensure that you read the definition of pre-existing medical condition in the section headed Definitions. No cover is provided for any claims arising from, related to or associated with, your pre-existing medical condition unless: a) Allianz Global Assistance had confirmed in writing to you that the pre-existing medical condition causing your claim was covered by the Group Policy; or b) the pre-existing medical condition meets the requirements set out under the heading PRE-EXISTING MEDICAL CONDITIONS WE MAY COVER (SOME RESTRICTIONS APPLY) appearing below. If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency and any associated costs, which can be prohibitive in some countries. In addition to the conditions specifically listed under the heading PRE-EXISTING MEDICAL CONDITIONS WE MAY COVER (SOME RESTRICTIONS APPLY) appearing below, the Group Policy also covers a number of pre-existing medical conditions too numerous to list. These are conditions that we consider to be benign and do not require payment of a risk based premium. Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the Group Policy, by phoning Allianz Global Assistance on 1300 135 271. During assessment you must answer all of our questions honestly and truthfully. If you do not, you may not be eligible for cover of any pre-existing medical condition claim you make where cover for the condition causing your claim has been confirmed after assessment by us. If Allianz Global Assistance confirm to you that your preexisting medical condition is covered by the Group Policy, 42 you may need to pay an administration fee of $75 for us to conduct your assessment. After assessment, confirmation that your pre-existing medical condition is covered and payment of any required administration fee, Allianz Global Assistance will send you written confirmation that your pre-existing medical condition is covered by the Group Policy for the period of cover you are eligible for. Otherwise, you are not covered for any claim arising from a pre-existing medical condition. This International Travel Insurance does not cover any claim arising from the pre-existing medical conditions of your relatives, travel companion or any other person. The pre-existing medical conditions listed below are covered under this International Travel Insurance without assessment or any charge, provided you meet the specified requirements that must be met. PRE-EXISTING MEDICAL CONDITIONS THAT WE MAY COVER (SOME RESTRICTIONS APPLY) If your condition is listed below cover is provided by the Group Policy however, if: · your condition is unstable; or · you are awaiting treatment; or · you are on a hospital waiting list; or · you are awaiting results of medical tests; or · you are awaiting results of investigations, you need to apply for confirmation that your condition is covered; Conditions 1. Acne 2. Allergies 3. Anaemia 4. Asthma, but not if: a) you are over sixty (60) years of age, or b) in the twelve (12) months before you became eligible for cover for your journey, you required cortisone medication (except cortisone medication taken by inhaler or puffer), or you were hospitalised because of your asthma (including as an outpatient). 43 5. Bell's palsy 6. Benign breast cysts 7. Bunions 8. Carpal tunnel syndrome 9. Cataracts 10. Coeliac disease 11. Congenital blindness/congenital deafness 12. Diabetes mellitus (types 1 and 2) but not if you: a) were diagnosed in the twelve (12) months before you became eligible for cover for your journey; or b) have any known cardiovascular, hypertensive, vascular disease, or any related kidney, eye or neuropathy complications. 13. Ear grommets 14. Epilepsy, but not if you: a) had a seizure; or b) require more than one (1) anti seizure medication; in the twelve (12) months before you became eligible for cover for your journey. 15. Goitre, hypothyroidism, Hashimotos disease, Graves disease 16. Gout 17. Hiatus hernia/gastro-oesophageal reflux disease, Peptic ulcer disease 18. High blood pressure (Hypertension) 19. High cholesterol (Hypercholesterolaemia) 20. High lipids (Hyperlipidaemia) 21. Insulin resistance or impaired glucose tolerance 22. Incontinence 23. Menopause 24. Migraines but not if you have been hospitalised because of your migraines in the twelve (12) months before you became eligible for cover for your journey. 25. Nocturnal cramps 26. Osteoporosis, but not if you: a) have ever fractured a bone; b) require more than one (1) medication for this condition; or 44 c) suffer any back pain. 27. Plantar fasciitis 28. Pregnancy related sickness but not if : a) you are more than twenty six (26) weeks gestation on the date you depart on your journey; b) you have had complications in your pregnancy before you became eligible for cover or complications in any previous pregnancy; c) you used artificial reproductive techniques (including IVF) to conceive your pregnancy prior to you becoming eligible for cover. 29. Raynaud's disease 30. Trigeminal neuralgia 31. Trigger finger 32. Routine screening tests where no underlying disease has been detected PREGNANCY Expectant mothers should consider whether this International Travel Insurance is adequate for their needs if they are planning to travel beyond the twenty sixth (26th) week of their pregnancy, as costs for childbirth and neo natal care can be exorbitant in some overseas destinations. No cover is provided for a child born during the period of cover provided for your journey. If you are pregnant when you become eligible for cover provided under International Travel Insurance your pregnancy will be defined as a pre-existing medical condition however, any complications of your pregnancy arising from injury or sickness occurring after you became eligible will be covered by the Group Policy issued to ANZ except for any restrictions that apply in respect of medically assisted pregnancy using artificial reproductive techniques (including IVF). If you fall pregnant after you become eligible for cover provided under International Travel Insurance you will be entitled to the cover provided arising from any complications of your pregnancy caused by injury or sickness occurring after you become eligible. No cover is provided for: · ante natal care; 45 · childbirth at any gestation (except when arising from an injury or sickness); · care of a newborn child; · any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); · pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover, or complications in any previous pregnancy; · pregnancy related sickness if you used artificial reproductive techniques (including IVF) to conceive this pregnancy. These provisions apply whether you fall pregnant naturally or as a result of medical assistance (such as, through IVF treatment). You should plan your journey so that you arrive home before the end of the twenty sixth (26th) week of your pregnancy. If you don't, and something happens, you won't be covered for any pregnancy related expenses. As a guide to the cover provided for pregnancy under the Group Policy issued to ANZ, including limitations and restrictions, please read through the table below: Your Pregnancy Outcome a) You are not yet pregnant however, you are attempting to become pregnant or are undergoing fertility treatment. If you become pregnant cover is available for any complication arising from an injury. Cover is available for complications arising from sickness but not if your pregnancy was medically assisted using artificial reproductive techniques (including IVF). b) You will require ante natal care during the period of cover provided for your journey. No cover is provided for ante natal care. 46 Your Pregnancy c) You are pregnant and are undergoing a course of treatment at the time your journey begins. d) You are injured or become sick during your journey and give birth as a consequence. e) You give birth naturally during the period of cover provided for your journey. f ) You travel beyond twenty six (26) weeks gestation and give birth while you are still overseas. Outcome No cover is provided, except for medical expenses arising out of an injury. Cover is available for complications arising from sickness but not if your pregnancy was medically assisted using artificial reproductive techniques (including IVF). Cover is provided for medical expenses incurred for the treatment of your injury or sickness and the childbirth however, no cover is available for complications arising from sickness or a resulting childbirth if your pregnancy was medically assisted using artificial reproductive techniques (including IVF). No cover is provided either for the childbirth or care of the newborn child. No cover is provided for the childbirth, care of the newborn child or any expenses related to your pregnancy. EMERGENCY & MEDICAL SERVICES WHILE OVERSEAS In the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on +61 7 3305 7465 (reverse charge). Allianz Global Assistance's team of medical professionals is only a phone call away and is available to you 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems which occur outside Australia. 47 Allianz Global Assistance has access to a worldwide team of skilled doctors and medical professionals and provides the following services without charge: · Access to medical advisers for emergency assistance and advice; · Emergency transportation to the nearest suitable hospital; · Emergency evacuation, if necessary; · If requested by you, your family in Australia will be advised of your medical condition and be kept informed of the situation; · Payment guarantees to hospitals and cover verification; · Second opinions on medical matters; · Urgent message service and emergency travel planning. TRAVELLING OVERSEAS You do not have to tell us or ANZ that you will be travelling. Provided you meet the eligibility criteria (see Part A - Eligibility & Activation of Cover) and comply with the terms and conditions of this insurance cover, you will be entitled to cover. In the event of an emergency overseas contact Allianz Global Assistance using the contact details shown on the inside front cover of this booklet. Allianz Global Assistance are available 24 hours a day, seven days a week. You must take all reasonable steps to prevent or minimise loss. You must take all reasonable precautions to safeguard your belongings. For example, leaving your belongings unsupervised, leaving them behind or walking away from them in a public place encourages theft and are not reasonable precautions. You must take all reasonable steps to safeguard your own safety and follow the advice and heed the warnings of any government or government agency and any official body and heed warnings, including broadcasts in the mass media. You should take this booklet with you when travelling overseas as it contains important phone numbers and details of the cover provided, together with copies of your card account 48 statement and card receipt to establish that you gained your eligibility for cover in accordance with the criteria set out in the section headed Part A - Eligibility & Activation of Cover. In the event you wish to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to confirm to Allianz Global Assistance or its agents that the eligibility criteria was met as previously outlined. Without this information, a claim may be delayed and it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance. While you are travelling For updated travel information visit: www.allianzworldwidepartners.com.au/gta/ SECTION 1.1 OVERSEAS EMERGENCY ASSISTANCE Allianz Global Assistance will help you with any overseas emergency (also see EMERGENCY AND MEDICAL SERVICES WHILE OVERSEAS above). You may contact Allianz Global Assistance at any time 7 days a week 1.1.1 ALLIANZ GLOBAL ASSISTANCE WILL ARRANGE If during your period of cover while overseas, you injure yourself or become sick (provided the relevant injury or sickness is covered) or require treatment for a pre-existing medical condition where we have confirmed cover, Allianz Global Assistance will arrange for the following assistance services: a) access to a medical adviser for emergency medical treatment while overseas; b) any messages which need to be passed on to your family or employer in the case of an emergency; c) provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas; d) advice and assistance with emergency travel planning. 49 1.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay if you decline to follow the medical advice we have obtained, and we will not be responsible for subsequent medical expenses or evacuation expenses. SECTION 1.2 OVERSEAS EMERGENCY MEDICAL 1.2.1 WHAT WE COVER Overseas medical expenses due to covered injury or sickness a) If you injure yourself overseas or become sick while overseas, during the period of cover provided for your journey, we will reimburse the reasonable medical expenses you incur until you get back to Australia provided that the relevant injury or sickness is covered by this insurance. The medical expenses must have been incurred on the written advice of a medical adviser. You must make every effort to keep your medical expenses to a minimum. Overseas medical expenses due to covered pre-existing medical condition b) If, while overseas during the period of cover provided for your journey, you require medical or hospital treatment for a pre-existing medical condition which Allianz Global Assistance has confirmed cover for in writing, or for which cover is provided as specified in the section headed PRE-EXISTING MEDICAL CONDITIONS, we will reimburse you for the medical expenses you incur except for the cost of medication you were on or the cost of a course of treatment you were receiving at the time your journey began. Overseas dental expenses due to sudden & acute pain to natural teeth (spontaneous toothache) c) We will also pay the cost of emergency dental treatment up to the limit shown in Part C - Table of Benefits - 1.2 Overseas Emergency Medical - Emergency Dental Expenses for dental costs incurred overseas during the period of cover provided for your journey, which the treating dentist certifies in writing is for the relief of sudden and 50 acute pain to natural teeth (toothache). This cover and limit does not apply to dental costs arising from any injury that is covered under sub-section 1.2.1 a). If you are prevented from returning home because of a sickness, injury or pre-existing medical condition that we confirmed cover for we will only pay for medical expenses incurred during the twelve (12) consecutive month period after the sickness was first diagnosed or the injury happened or the pre-existing medical condition we confirmed cover for required treatment. If Allianz Global Assistance determine, on medical advice, that you should return home for treatment and you do not agree to do so, we will pay you an amount up to the limit shown in Part C - Table of Benefits, which we reasonably consider to be equivalent to: · your medical expenses incurred overseas to the date Allianz Global Assistance advise you to return to your home; plus · the amount it would cost us to return you to your home; plus · the non-refundable portion of unused travel and accommodation arrangements you would have incurred had you followed the advice of Allianz Global Assistance. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. 1.2.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay for expenses: a) when you have not notified Allianz Global Assistance as soon as practicable of your admittance to hospital; b) incurred after two (2) consecutive weeks treatment by a chiropractor, physiotherapist or dentist, unless approved by Allianz Global Assistance; c) if you do not follow the advice of Allianz Global Assistance; d) if you have received medical care under a Reciprocal Health Care Agreement; e) relating to dental treatment involving the use of precious metals or for cosmetic dentistry; 51 f ) for dental treatment caused by or related to the deterioration and/or decay of teeth; g) for preventative dental treatment; or h) arising from a pre-existing medical condition of any person including you, your travel companion or a relative except: · if you satisfy the criteria as set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT WE MAY COVER (SOME RESTRICTIONS APPLY) in the PRE-EXISTING MEDICAL CONDITIONS section in Part E - International Travel Insurance; or · as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover. i) any payment which would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) or any other applicable legislation (whether in Australia or not); j) arising from the treatment of sexually transmissible diseases. SECTION 1.3 MEDICAL EVACUATION & REPATRIATION 1.3.1 WHAT WE COVER If during your period of cover while overseas, you injure yourself or become sick (provided the relevant injury or sickness is covered) or require treatment for a pre-existing medical condition that we have agreed is covered, we will pay the reasonable cost of your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to your home with appropriate medical supervision. 1.3.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay for any expenses for medical evacuation or repatriation unless it has been first approved by Allianz Global Assistance. 52 SECTION 1.4 HOSPITAL CASH ALLOWANCE 1.4.1 WHAT WE COVER If during the period of cover provided for your journey, you are hospitalised overseas for a continuous period of more than forty eight (48) consecutive hours as a result of an injury or sickness or pre-existing medical condition that we have agreed is covered then we will pay you the benefit specified in Section C - Table of Benefits for each day in excess of forty eight (48) consecutive hours that you continue to be hospitalised. 1.4.2 WHAT WE EXCLUDE We will not pay if you cannot claim for medical expenses connected with the hospitalisation under SECTION 1.2 OVERSEAS EMERGENCY MEDICAL. SECTION 1.5 ASSAULT REQUIRING HOSPITALISATION 1.5.1 WHAT WE COVER If during the period of cover provided for your journey, you are assaulted and as a result require hospitalisation for the treatment of your injuries, then we will pay you the benefit specified in Section C - Table of Benefits provided that you supply us with a written police report confirming the circumstances of your assault and hospitalisation.. 1.5.2 WHAT WE EXCLUDE We will not pay if you cannot claim for medical expenses connected with the hospitalisation under SECTION 1.2 OVERSEAS EMERGENCY MEDICAL. SECTION 1.6 ACCIDENTAL DEATH 1.6.1 WHAT WE COVER If, during the period of cover provided for your journey; 53 a) you are injured and you die because of that injury within twelve (12) consecutive months of the injury; or b) something you are travelling on or in disappears, sinks or crashes and your body is not found within twelve (12) consecutive months and you are presumed dead; and c) you are not entitled to a loss of life benefit payable under Transit Accident Insurance, we will pay the benefit specified in Part C - Table of Benefits, to your estate. SECTION 1.7 FUNERAL EXPENSES 1.7.1 WHAT WE COVER If during the period of cover provided for your journey, you die from a cause that is not excluded, we will pay for your reasonable funeral expenses incurred overseas or the reasonable cost of bringing your remains back to your home. The maximum amount we will pay is specified in Part C - Table of Benefits. 1.7.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay for any expenses: a) for transporting your remains back to your home unless it has been first approved by Allianz Global Assistance; or b) any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral home. SECTION 1.8 PERMANENT DISABILITY 1.8.1 WHAT WE COVER If you suffer an injury during the period of cover provided for your journey: · that causes you permanent disability within twelve (12) consecutive months of the occurrence of the injury; and 54 · your permanent disability continues for at least twelve (12) consecutive months; and · at the expiry of twelve (12) consecutive months is, in the opinion of an appropriate medical specialist, beyond hope of improvement, we will pay you the benefit amount specified in Part C - Tables of Benefits. SECTION 1.9 LOSS OF INCOME 1.9.1 WHAT WE COVER If during the period of cover provided for their journey, a cardholder or spouse suffer an injury requiring medical treatment overseas, and: · because of the injury the cardholder or spouse become disabled; and · the disablement continues for more than thirty (30) consecutive days from the date of return home; and · the cardholder or spouse are under the regular care of and acting in accordance with the instructions or advice of a medical adviser who certifies in writing that the disablement prevents gainful employment; and · as a result the cardholder or spouse lose all income, then we will pay the cardholder or spouse up to the specified benefit per week for up to the specified number of consecutive weeks as shown in Part C - Table of Benefits, starting from the thirty first (31st) consecutive day after the cardholder or spouse return home. SECTION 2.1 CANCELLATION 2.1.1 WHAT WE COVER If during the period of cover provided, your journey is cancelled, disrupted or rescheduled because of circumstances that were not expected or intended by you and are outside of your control we will reimburse you: Unused arrangements and travel agents fees a) the non-refundable portion of unused travel and accommodation arrangements: 55 · scheduled to be used during the period of cover provided for your journey; · that you have paid in advance of cancellation or disruption; and · cannot recover in any other way, limited to the maximum total limit specified in Part C Tables of Benefits inclusive of: · travel agent's cancellation fees and any commission or service fees retained by your travel agent up to the amount of commission or service fees that your travel agent would have earned had your journey not been cancelled; or · the amount specified in Part C - Tables of Benefits for travel agents cancellation fees, whichever is the lesser. Frequent flyer, air miles, loyalty card points & redeemable vouchers b) for the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for or obtained with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we pay you as follows: i. for frequent flyer points, air miles or loyalty card points: · the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking, multiplied by · the total number of points or air miles lost, divided by the total number of points or air miles used to make the booking. ii. for vouchers, the face value of the voucher or current market value of an equivalent booking whichever is the lesser; limited to the maximum total limit specified in Part C Tables of Benefits. 56 Rescheduling your journey c) your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the unrecoverable amount that would have been payable under sub-sections 2.1.1 a) and 2.1.1 b) had your journey been cancelled. We will not pay a claim under sub-section 2.1.1 c) in addition to a claim under sub-sections 2.1.1 a) and 2.1.1b) for the same services/facilities however, if you do reschedule your journey we will also pay you up to the limits specified in Part C - Tables of Benefits for your reasonable additional meal costs and the reasonable costs of internet use and telephone calls necessary to rearrange your journey. Conditions If you want to claim under the cover provided, you must do the following as soon as possible after the happening of the unexpected event causing your claim: · cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover provided for your journey that you are now unable to use; and · recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey you must tell us as soon as possible. If your claim arises from or is related to your fitness to travel, written proof from a medical adviser must be provided. 2.1.2 WHAT WE EXCLUDE To the extent permitted by law we will not pay your claim if: a) you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for the cover provided, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b) caused by you or your travel companion changing plans; 57 c) arising from a pre-existing medical condition of any person including you, your travel companion or a relative except: · if you satisfy the criteria as set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT WE MAY COVER (SOME RESTRICTIONS APPLY) in the PREEXISTING MEDICAL CONDITIONS section in Part E International Travel Insurance; or · as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover. d) caused by insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal; e) caused by an act or threat of terrorism. SECTION 2.2 WITHDRAWAL OF SERVICES 2.2.1 WHAT WE COVER If, during the period of cover provided for your journey: · all electrical and water facilities in your room; or · waiter service at meals; or · kitchen services where no food is served; or · all chambermaid services, are withdrawn for forty eight (48) consecutive hours or more due to unforeseeable circumstances at the pre-paid accommodation that you are staying at during your journey, we will pay you the benefit amount specified in Part C - Tables of Benefits for each completed twenty four (24) consecutive hour period in excess of the initial forty eight (48) consecutive hour period that the facilities or services are withdrawn, up to the maximum benefit limit specified in Part C - Tables of Benefits. Conditions You must provide us with written confirmation from your pre-paid accommodation provider of the cause and length of time that the facilities and/or services were withdrawn. 58 SECTION 3.1 ADDITIONAL EXPENSES 3.1.1 WHAT WE COVER Additional travel & accommodation expenses due to your incapacity a) If you cannot continue your journey because of an injury or sickness or pre-existing medical condition that we have agreed to cover, which occurs during the period of cover provided for your journey and needs immediate treatment from a medical adviser who certifies in writing that you are unfit to travel, we will reimburse your reasonable additional accommodation and travel expenses. Emergency travel & accommodation expenses for a necessary companion b) If during the period of cover provided for your journey, you are hospitalised suffering from a life threatening or other serious condition covered by this insurance we will reimburse the reasonable travel and accommodation expenses for a relative or friend to travel to you, stay near you or escort you. He or she must travel to you, stay near you or escort you on the written advice of your treating medical adviser and with the prior written approval of Allianz Global Assistance. Additional travel & accommodation expenses due to your travel companion's incapacity c) If your travel companion cannot continue their journey because of an injury or sickness which occurs during the period of cover provided for your journey and which needs immediate treatment from a medical adviser who certifies in writing that your travel companion is unfit to travel, we will reimburse your reasonable additional accommodation and travel expenses for you to remain with your travel companion. Expenses due to your repatriation or evacuation home d) If during the period of cover provided, you shorten your journey and return to your home on the written advice of a medical adviser approved by Allianz Global Assistance due to a covered event, we will reimburse the reasonable additional cost of your return to your home. We will only pay the cost of the fare class that you had 59 planned to travel at and you must make use of any prearranged return travel to your home. Repatriation of dependants left without supervision e) If your dependants are left without supervision following your hospitalisation or evacuation during the period of cover provided for your journey we will pay the reasonable additional travel and accommodation expenses incurred to return them to your home, including the travel and accommodation expenses of an escort if agreed to by Allianz Global Assistance. Additional travel & accommodation expenses due to specified events f ) In addition, if during the period of cover provided a disruption to your journey arises from: · your scheduled or connecting transport being cancelled, delayed, rescheduled or diverted by the provider with whom you have a booking because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; · you unknowingly break any quarantine rule; · you losing your passport, travel documents or transaction cards or they are stolen; or · your home being rendered uninhabitable by fire, explosion, earthquake or flood, we will reimburse your reasonable additional travel and accommodation expenses. Whenever claims are made by you under this section and Section 2.1 CANCELLATION for cancelled services/facilities or alternative arrangements for the same or similar services/ facilities, we will pay for the higher of the two amounts, not both. 3.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay your claim: a) if you were aware, or a reasonable person in your circumstances would have been aware, of any reason, before you became eligible for the period of cover provided, that may cause your journey to be cancelled, disrupted or delayed; 60 b) arising from a pre-existing medical condition of any person including you, your travel companion or a relative except: · if you satisfy the criteria as set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT WE MAY COVER (SOME RESTRICTIONS APPLY) in the PREEXISTING MEDICAL CONDITIONS section in Part E International Travel Insurance; or · as provided in your medical terms of cover letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover. c) if you can claim your additional travel and accommodation expenses from anyone else; d) if caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; e) for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; f ) if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement. SECTION 3.2 TRAVEL DELAY EXPENSES 3.2.1 WHAT WE COVER If a delay to your journey, for at least six (6) consecutive hours, arises from circumstances outside your control during the period of cover provided, we will reimburse the cost of your reasonable additional meals and accommodation expenses. We will pay up to the amount specified in Part C - Table of Benefits at the end of the initial six (6) consecutive hour period. 3.2.2 W HAT WE EXCLUDE We will not pay if a delay to your journey arises: a) from an act or threat of terrorism; or 61 b) because of the insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal. SECTION 3.3 ALTERNATIVE TRANSPORT EXPENSES 3.3.1 WHAT WE COVER If during the period of cover provided for your journey, your scheduled transport is cancelled, delayed, shortened or diverted and that means you would not arrive at a special event on time, we will pay your reasonable additional travel expenses up to the amount specified in Part C - Table of Benefits to enable you to arrive on time. 3.3.2 W HAT WE EXCLUDE To the extent permitted by law we will not pay if your scheduled transport is cancelled, delayed, shortened or diverted: a) due to an act or threat of terrorism; or b) because of the insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal. SECTION 3.4 RETURN HOME & RESUMPTION OF JOURNEY (FOLLOWING DEATH OF A RELATIVE) 3.4.1 WHAT WE COVER a) If, during the period of cover provided for your journey, your relative who is resident in Australia and who is aged 79 years or under at the time you become eligible for cover, dies unexpectedly or is hospitalised due to a serious illness first diagnosed or serious injury occurring during your journey, we will reimburse the reasonable additional cost of your early return to your home. We will only pay the cost of the fare class you had planned to travel at. 62 b) If during the period of cover provided for your journey, you return to your home because: · a relative of yours who is resident in Australia and who is aged 79 years or under at the time you become eligible for cover, dies unexpectedly or is hospitalised due to a serious illness first diagnosed or serious injury occurring during your journey; and · it is possible for your journey to be resumed; and · there is more than fourteen (14) consecutive days or twenty five per cent (25%), whichever is the greater, remaining of the period of cover provided for your journey, as noted on your return overseas travel ticket; and · you resume your journey within thirty (30) consecutive days of your return to your home, we will reimburse you for airfares for you to return to the place you were when your journey was interrupted. The most we will pay under this sub-section is up to the limit shown in Part C - Tables of Benefits. 3.4.2 W HAT WE EXCLUDE We will not pay a claim under this section in addition to a claim under section 2.1 CANCELLATION for the same or similar services. We will only pay the highest amount incurred by you, not both amounts. SECTION 3.5 DOMESTIC PETS 3.5.1 WHAT WE COVER If you are delayed beyond the end date of the period of cover provided for your journey due to a covered event, that is not expected or intended by you and is outside of your control and you incur additional boarding kennel or boarding cattery fees for domestic dogs or cats owned by you, we will reimburse you for the additional fees you incur up to the limit per day specified in Part C - Tables of Benefits up to the maximum total limit specified in Part C - Tables of Benefits. 3.5.2 W HAT WE EXCLUDE To the extent permitted by law we will not pay if your delay is due to an act or threat of terrorism. 63 SECTION 3.6 EMERGENCY ACCOMMODATION DUE TO TERRORISM 3.6.1 WHAT WE COVER If during the period of cover provided for your journey, your journey is delayed due to an act of terrorism we will reimburse you for the reasonable additional cost of accommodation you incur during the period of delay up to the amount per day specified in Part C - Tables of Benefits limited to the maximum total limit specified in Part C- Tables of Benefits. SECTION 3.7 HIJACK 3.7.1 WHAT WE COVER If during the period of cover provided for your journey, your scheduled public transport that you are travelling on is hijacked and you subsequently want to cancel your journey and return home we will reimburse you for the reasonable additional travel expenses you incur and the unrecoverable cost of prepaid travel arrangements that you do not use limited to the maximum total limit specified in Part C- Tables of Benefits. SECTION 3.8 PERSONAL SAFETY EVACUATION 3.8.1 WHAT WE COVER If, during the period of cover provided for your journey and after you have arrived in a country or region, it becomes unsafe for you to remain in that country or region because: a) you are expelled or declared persona non grata by local authorities; or b) the Australian Government Department of Foreign Affairs and Trade recommends that certain categories of persons (which include you) in that country or region should leave because of a: · security threat including civil unrest or political instability (but not any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military); or 64 · natural disaster including but not limited to an earthquake, cyclone, flooding or volcanic eruption, then we will pay: c) the cost of evacuating you to the nearest place of safety (including the cost of accommodation) up to the amount specified in Part C - Tables of Benefits provided Allianz Global Assistance have agreed that the cost of evacuation and/or accommodation is reasonable and necessary in the circumstances; or d) the cost of returning you to your home limited to the amount specified in Part C - Tables of Benefits, provided Allianz Global Assistance have agreed that the cost of returning you to your home is reasonable and necessary in the circumstances. 3.8.2 W HAT WE EXCLUDE To the extent permitted by law we will not pay if: a) your claim arises directly or indirectly from you violating the laws or regulations of the country you are in; b) you failing to obtain, maintain or produce to the authorities in the country you are in any immigration permit, visa or similar authorisation; c) your claim arises directly or indirectly from any commercial or contractual dispute; d) any of the events that caused your evacuation were in existence or had occurred, or the occurrence was reasonably foreseeable before you entered the country or region from which you were evacuated e) due to an act or threat of terrorism. SECTION 4.1 LUGGAGE 4.1.1 WHAT WE COVER a) If, during the period of cover provided for your journey, the following covered items: · baggage, clothing and personal valuables; · portable electrical equipment, laptop computers and associated equipment/accessories, binoculars, cameras and associated equipment/accessories; 65 are stolen, accidentally damaged or are permanently lost except when: · left in a vehicle (see sub-section 4.1.1 b) below); or · are valuables left in a vehicle or checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see sub-section 4.1.1 c) below), we will pay the lesser of: · the repair cost; · the replacement cost; · the original purchase price; or · the depreciated value after allowing for age, wear and tear. We have the option to repair or replace the covered items or valuables instead of paying you. We will not apply depreciation to any item we pay for where less than twelve (12) consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is: · up to the item limit specified in Part C - Table of Benefits for personal computers, video cameras or cameras; or · up to the item limit specified in Part C - Table of Benefits for all other items. A pair or related set of items, for example (but not limited to): · a camera, lenses (attached or not), tripod and accessories; · a matched or unmatched set of golf clubs, golf bag and buggy; or · a matching pair of earrings, are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. For the avoidance of any doubt, cover is provided for: · theft of, accidental damage to, or permanent loss of dentures or dental prostheses whilst you are not wearing them; · theft of, accidental damage to, or permanent loss of your covered items (except valuables) while they 66 are left in a locked storage facility and there is forced entry into the locked storage facility; · the cost of medical consultation fees you incur to replace prescription medication which is accidentally lost, stolen or accidentally damaged, together with the replacement cost of the medication. b) Covered items specified in 4.1.1 a) that are left in a vehicle during the period of cover provided for your journey are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced entry must have been made. The most we will pay is up to the amount specified in Part C - Table of Benefits for each covered item stolen from a vehicle, and up to the total amount specified in Part C - Table of Benefits for all covered items stolen from a locked vehicle. c) No cover is provided for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip except cover will be provided for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight. Conditions If you make a claim, you must prove your ownership and the value of your belongings (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is ten per cent (10%) of the limit shown for that type of item in the Part C - Tables of Benefits International Travel Insurance - 4.1 Luggage. You must report the loss, theft or misplacement of a covered item within twenty four (24) hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You must provide us with evidence of making the report and who you reported the loss, theft or misplacement to. 67 If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover provided by us. 4.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay a claim in relation to your covered items (including valuables) if: a) the loss, theft or damage is to, or of, covered items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b) the covered item was left unsupervised in a public place; c) the covered item was being sent unaccompanied by you or under a freight contract; d) the loss or damage arises from any process of cleaning, repair or alteration; e) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; f ) the covered item disappears in circumstances that cannot be explained to our reasonable satisfaction; g) your claim arises from a government authority confiscating, detaining or destroying anything; h) the covered item was left unsupervised in a public place; i) the covered item has an electrical or mechanical breakdown; or j) the covered item is fragile or brittle or is an electrical component and is broken unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; or k) the loss or damage arises from scratches occurring to lenses or screens of covered items however caused; or l) the covered items were sporting equipment that were damaged during use. 68 SECTION 4.2 TRAVEL DOCUMENTS, TRANSACTION CARDS & TRAVELLERS CHEQUES 4.2.1 WHAT WE COVER If during the period of cover provided for your journey: Re-issue or replacement cost a) any essential travel documents (including passports), transaction cards or travellers cheques are lost by you, stolen from you or destroyed, then we will pay the issuer's fees or the replacement costs (including communication costs) of the items lost, stolen or destroyed. Fraudulent use b) your transaction cards or travellers cheques are lost or stolen, then we will pay for any loss resulting from the fraudulent use of the transaction cards or travellers cheques. The most we will pay is up to the limit specified in Part C Table of Benefits. Conditions You must report the loss or theft within twenty four (24) hours to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued. You must prove that you made such report by providing us with a written acknowledgement from the entity you reported the loss or theft to. We will not pay for any amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques. 4.2.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay if your loss arises from your failure to comply with the recommended security guidelines for the use of travellers cheques or transaction cards. 69 SECTION 4.3 LUGGAGE DELAY 4.3.1 WHAT WE COVER If during the period of cover provided for your journey any of your covered items are delayed, misdirected or misplaced by the carrier for more than twelve (12) consecutive hours (except on the leg of your journey to your home), and in our opinion it was necessary for you to purchase essential items of clothing or other essential personal items, we will reimburse you for the reasonable costs you incur, up to the amount specified in Part C - Table of Benefits. Conditions You must provide written proof from the carrier who was responsible for your covered items that they were delayed, misdirected or misplaced. We will deduct any amount we pay you under this section from any subsequent claim you make for lost covered items payable under SECTION 4.1 LUGGAGE. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of cover provided by us. SECTION 4.4 REPLACEMENT SPORTING EQUIPMENT 4.4.1 WHAT WE COVER If during the period of cover provided for your journey, any of your sporting equipment is delayed, misdirected or misplaced by the carrier (except on the leg of your journey to your home) or is accidentally damaged or is permanently lost, and in our opinion it was necessary for you to hire replacement equipment, we will reimburse you for the reasonable hire costs you incur, up to the amount specified in Part C - Table of Benefits. 70 Conditions You must provide written proof from the carrier who was responsible for your sporting equipment that was delayed, misdirected or misplaced. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the delay, misdirection, misplacement, accidental damage or permanent loss occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of cover provided by us. SECTION 5.1 RENTAL VEHICLE EXCESS Cover is only provided under this section if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies. The maximum amount we will pay under this section is the amount specified in your rental vehicle agreement up to the limit shown in Part C - Table of Benefits - 5.1 Rental Vehicle Excess. 5.1.1 WHAT WE COVER Rental vehicle damage a) If, during the period of cover provided for your journey, a rental vehicle you have rented from a rental company or agency is: · involved in a motor vehicle accident while you are driving it; or · damaged or stolen while in your custody, then we will pay you the lesser of: · the amount specified that you are liable to pay under your rental vehicle agreement; or · property damage for which you are liable. 71 Return of rental vehicle b) If, during the period of cover provided you are injured or become sick and your treating medical adviser certifies in writing that you are incapacitated and unable to return your rental vehicle to the rental company, we will pay you up to the amount specified in Part C - Tables of Benefits for the cost you incur to return your rental vehicle to the nearest depot of the rental company. Conditions You must provide a copy of: · your rental vehicle agreement; · the incident report that was completed; · repair account; · an itemised list of the value of the damage; and · written notice from the rental company or agency advising that you are liable to pay the amount specified in your rental vehicle agreement. 5.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay if your claim arises directly or indirectly from, or is in any way connected with, or is for: a) you using the rental vehicle in breach of the rental agreement; b) you using the rental vehicle without a licence for the purpose that you were using it (such as but not limited to the carrying of passengers or freight); or c) administrative charges or fees of the rental company that are not a component of the amount payable specified in your rental vehicle agreement. SECTION 6.1 PERSONAL LIABILITY 6.1.1 WHAT WE COVER If you become legally liable to pay compensation for: · death or bodily injury; or · physical loss of, or damage to property, 72 as a result of an accident, or a series of accidents arising out of the one event, that happens during the period of cover provided for your journey, then we will cover you up to the limit shown in Part C - Table of Benefits - 6.1 Personal Liability, for: · the compensation (including legal costs) awarded against you; and · any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Global Assistance before incurring these costs. Conditions We must be told as soon as you or your personal representatives are, or a reasonable person in your circumstances would have been, aware of a possible prosecution, inquest, fatality, accident or incident which might lead to a claim against you. You must not pay or promise to pay, settle with, admit or deny liability to anyone who makes a claim against you without our written consent. 6.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay any amount you become legally liable to pay if the liability arises directly or indirectly from, or is in any way connected with, or is for: a) bodily injury to you, your travel companion or to a relative or employee of any of you; b) loss of or damage to property belonging to, or in the care, custody or control of you, your travel companion, a relative or an employee of any of you (unless the property is a residence and you occupy it during the period of cover provided for your journey as a tenant or lessee, or temporary guest); c) your ownership, custody, control or use of any firearm or weapon, aerial device, watercraft or motorised vehicle; d) your conduct of, or employment in any business, profession, trade or occupation; e) any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under Workers Compensation legislation, an industrial award or agreement, or Accident Compensation legislation; 73 f ) any fine or penalty, or aggravated, punitive, exemplary or liquidated damages; g) illness, sickness or disease that is transmitted by you; h) any relief or recovery from you other than monetary amounts; i) a contract that imposes on you a liability which you would not otherwise have; j) assault and/or battery committed by you or at your direction; k) any act intended to cause bodily injury, property damage or liability done by you or any person acting with your knowledge, connivance or consent. SECTION 6.2 LEGAL EXPENSES 6.2.1 WHAT WE COVER If, during the period of cover provided for your journey you are injured or die because of the fault of some entity other than a relative or travel companion, we will reimburse you or your estate up to the limit specified in Part C - Tables of Benefits for legal costs you incur in the pursuit of damages or compensation from the entity at fault: Conditions You or your estate must obtain our consent in writing before incurring any legal costs or commencing proceedings against any entity at fault. 6.2.2 W HAT WE EXCLUDE To the extent permitted by law, we will not pay any amount you incur for: a) any claim you make against any travel service provider or insurance company; b) any legal costs you incur without our prior written consent; c) any legal action where after obtaining independent legal advice, we consider that no benefit would be achieved by pursuing such action. 74 INTERSTATE FLIGHT INCONVENIENCE INSURANCE SECTION 1.1 CANCELLATION 1.1.1 WHAT WE COVER: a) If, after you have obtained your interstate flight ticket and up until the end of the period of cover provided for your journey (where the claim is not covered elsewhere in this Interstate Flight Inconvenience Insurance) and is for any of the following events which are unexpected and unforeseen by you and outside your control: · you or a relative who permanently resides in Australia dies, is seriously injured or becomes seriously ill (subject to verification by written medical advice obtained by you from a medical adviser); · your arranged travel is cancelled or delayed by the carrier because of unexpected natural disasters; · you are quarantined; · your home is totally destroyed; · you are subpoenaed to attend court in Australia (after having purchased your interstate flight ticket) on a date falling during the period of cover provided for your journey; · you are retrenched or made redundant (not including voluntary retrenchment or voluntary redundancy), then we will reimburse you the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during the period of cover provided for your journey that you have paid in advance of cancellation and cannot recover in any other way, up to the maximum total limit specified in Part C - Table of Benefits; or b) your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the unrecoverable amount that would have been payable under 1.1.1 a) had your journey been cancelled. We will not pay a claim under 1.1.1 b) in addition to a claim under 1.1.1 a) for the same services/facilities 75 Conditions If you want to claim under the cover provided, you must do the following as soon as possible after the happening of the unexpected event causing your claim: · cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover provided for your journey that you are now unable to use; and · recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey you must tell us as soon as possible for more information see under the headings CLAIMS or call the contact number shown on the inside front cover of this booklet. If your claim arises from or is related to your fitness to travel, written proof from a medical adviser must be provided. 1.1.2 WHAT WE EXCLUDE To the extent permitted by law we will not pay your claim if: a) you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for cover, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b) caused by you or your travel companion changing your plans; c) caused by insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal. SECTION 2.1 FLIGHT DELAY 2.2.1 WHAT WE COVER If the departure of your interstate flight, is delayed for the period specified in Part C - Table of Benefits due to circumstances outside your control and no alternative transport is provided by the carrier, we will reimburse the cost of your reasonable additional meal and accommodation expenses charged to your card account, up to the amount specified in Part C - Table of Benefits. 76 2.1.2 W HAT WE EXCLUDE We will not pay if a delay to your journey arises from an act or threat of terrorism. SECTION 3.1 LUGGAGE 3.1.1 WHAT WE COVER a) If, during your journey, the following: · baggage, clothing; and · portable electrical equipment, binoculars, cameras and associated equipment/accessories (but not any other valuables), are stolen, accidentally damaged or are permanently lost except when: · left in a vehicle (see sub-section 3.1.1 b) below); or · are valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see sub-section 3.1.1 c) below); we will pay the lesser of: · the repair cost; · the replacement cost; · the original purchase price; or · the depreciated value after allowing for age, wear and tear. We have the option to repair or replace the covered items or valuables instead of paying you. We will not apply depreciation to any item we pay you for where less than twelve (12) consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is up to the item limit specified in Part C - Table of Benefits and the maximum total limit specified in Part C - Table of Benefits for all items combined. A pair or related set of items, for example (but not limited to) a camera, lenses (attached or not), tripod and accessories are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. 77 b) Items specified in 3.1.1 a) that are left in a vehicle are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced entry must have been made. The most we will pay is up to the amount specified in Part C - Tables of Benefits for each item stolen from a vehicle, and up to the total amount specified in Part C - Table of Benefits for all items stolen from a vehicle. c) No cover is provided for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip except cover will be provided for loss theft or accidental damage to laptops, tablets and mobile/ smartphones (but not any other valuables) when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked in baggage or overhead cabin locker for the duration of your flight. Conditions If you make a claim, you must prove your ownership and the value of your belongings (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is ten per cent (10%) of the limit shown for that type of item in the Part C - Tables of Benefits Interstate Flight Inconvenience Insurance - 3.1 Luggage. You must report the loss, theft or misplacement of a covered item within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You must provide us with evidence of making the report and who you reported the loss, theft or misplacement to. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover provided by us. 78 3.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay a claim in relation to your covered items (including valuables) if: a) the loss, theft or damage is to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b) the covered item was being sent unaccompanied by you or under a freight contract; c) the loss or damage arises from any process of cleaning, repair or alteration; d) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e) the covered item disappears in circumstances that cannot be explained to our reasonable satisfaction; f ) your claim arises from a government authority confiscating, detaining or destroying anything; g) the covered item was left unsupervised in a public place; h) the covered item has an inherent defect or an electrical or mechanical breakdown; or i) the covered item is fragile or brittle or is an electrical component and is broken unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; j) the loss or damage arises from scratches occurring to lenses or screens of covered items however caused; or k) the covered items were sporting equipment that were damaged during use. 79 SECTION 3.2 LUGGAGE DELAY 3.2.1 WHAT WE COVER If any items of your baggage, clothing and essential personal items are delayed, misdirected or misplaced by the carrier for more than twelve (12) consecutive hours, and in our opinion it was necessary for you to purchase essential items of clothing or essential personal items, we will reimburse you for the reasonable costs you incur up to the limit shown in Part C Table of Benefits. Conditions You must provide written proof from the carrier who was responsible for your baggage, clothing and essential personal items that they were delayed, misdirected or misplaced. We will deduct any amount we pay you under this section from any subsequent claim you make for lost covered items payable under Section 3.1 LUGGAGE. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover provided by us. SECTION 4.1 FUNERAL EXPENSES 4.1.1 WHAT WE COVER If you die as a result of an accidental injury occurring during the period of cover provided for your journey we will pay your reasonable funeral expenses and/or the cost of repatriation of your remains to your home or nominated funeral home (if necessary) up to the amount specified in Part C - Table of Benefits. 80 TRANSIT ACCIDENT INSURANCE What we cover If, during a trip; or a) while boarding or alighting (being when you physically get on or off ) a conveyance at any airport, coach depot, railway station or dock during your trip; or b) while travelling as a passenger in a conveyance directly to or from any airport, coach depot, railway station, or dock immediately before or after your scheduled trip, you suffer an accident that causes an injury listed in Part C Table of Benefits within twelve (12) consecutive months of the accident, we will pay you the Benefit Amount specified for the injury listed in Part C - Table of Benefits, that you suffered. In addition, if during a trip: c) you are unavoidably exposed to the elements due to an accident which results in the disappearance, sinking or wrecking of the conveyance on which you were travelling and as a result of such exposure you suffer an injury for which a Benefit Amount is payable; d) you disappear due to an accident which results in the disappearance, sinking or wrecking of the conveyance on which you were travelling and your body has not been found within twelve (12) consecutive months after the date of such accident, it will be presumed, subject to there being no evidence to the contrary, that you died, we will pay the applicable Benefit Amount listed in Part C Table of Benefits to you, or to your estate in the case of your death. If you suffer more than one injury as a result of the accident we will pay you no more than the specified Benefit Amount for the most serious injury listed in Part C - Table of Benefits that you suffered. What we exclude To the extent permitted by law we will not pay for any injury that results directly or indirectly from: a) hijack or any act of terrorism; b) your intentional self harm or your suicide or your attempted suicide; or 81 c) any illegal act committed by you or any person acting on your behalf. Group policy aggregate limit of liability The Group Policy under which this cover is provided contains an aggregate (maximum) limit of liability for claims from all eligible cardholders, spouses and/or dependants arising from the one event. The most we will pay under this section from one event (e.g. a bus crash) is $5,000,000. This means that regardless of the number of cardholders, spouses or dependants involved in an event who suffer accidental injury, we will pay each on a proportional basis (using the amounts in the table appearing in Part C - Tables of Benefits) up to total of $5,000,000. For example, if four cardholders and three spouses and three dependants lost their lives in the same bus crash, we would pay benefits, calculated as follows: Four cardholders - $750,000 each = $3,000,000; Three spouses - $750,000 = $2,250,000; Three dependants - $20,000 each = $60,000 Total benefit amount: $5,310,000 Dividing the total aggregate exposure ($5,000,000) by the total benefit amount ($5,310,000) determines the percentage (94.162%) to proportionally reduce benefits to. In this case, the payable benefits would work out to be: Four cardholders - $706,215 each = $2,824,860 Three spouses - $706,215 each = $2,118,645 Three dependants - $18,832 each = $56,495 Total benefit amount payable: $5,000,000 82 RENTAL VEHICLE EXCESS IN AUSTRALIA INSURANCE Cover is only provided if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies. The maximum amount we will pay under this section is the amount that is specified in your rental vehicle agreement up to the limit shown in Part C - Tables of Benefits. What we cover If, during your period of cover, a rental vehicle you have rented from a rental company or agency is: · involved in a motor vehicle accident while you are driving it; or · damaged or stolen while in your custody, then we will pay you the lesser of: · the amount specified that you are liable to pay under your rental vehicle agreement; or · property damage for which you are liable. Conditions If you make a claim you must provide a copy of: · your rental vehicle agreement; · the incident report that was completed; · repair account; · an itemised list of the value of the damage; and · written notice from the rental company or agency advising that you are liable to pay the amount specified in your rental vehicle agreement. What we exclude To the extent permitted by law, we will not pay if the claim arises directly or indirectly from, or is in any way connected with, or is for: a) you using the rental vehicle in breach of the rental vehicle agreement; 83 b) you using the rental vehicle without a licence for the purpose that you were using it; (such as but not limited to the carrying of fare paying passengers or the carrying of freight); or c) administrative charges or fees of the rental company that are not a component of the amount that is specified in your rental vehicle agreement. 84 PURCHASE PROTECTION INSURANCE What we cover If, within ninety (90) consecutive days of you taking possession of a covered item (where you have charged the purchase price to the accountholder's card account), the covered item is stolen, accidentally damaged or permanently lost we will pay the lesser of: a) the purchase price charged to the accountholder's card account; or b) the limit per claim specified in Part C - Tables of Benefits in respect of jewellery, watches and new works of art. The most we will pay in any twelve (12) month period in respect of any one card account is the maximum total limit specified in Part C - Tables of Benefits. Conditions You must report the loss, theft or misplacement of a covered item within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You must provide us with evidence of making the report and who you reported the loss, theft or misplacement to. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover. What we exclude To the extent permitted by law, we will not pay a claim in relation to your covered items (including valuables) if: a) the loss, theft or damage is to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b) the covered items were left in a motor vehicle; 85 c) the covered items were valuables that were checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip); d) the covered items were being sent unaccompanied by you or under a freight contract; e) the loss or damage arises from any process of cleaning, repair or alteration; f ) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; g) the covered items disappear in circumstances that cannot be explained to our reasonable satisfaction; h) your claim arises from a government authority confiscating, detaining or destroying anything; i) the covered items were left unsupervised in a public place; j) the covered items have an electrical or mechanical breakdown; k) the covered items were sporting equipment that were damaged during use. 86 GUARANTEED PRICING SCHEME What we cover If within twenty one (21) consecutive days of you charging the full purchase price of a covered item that you purchase from a physical store, to the accountholder's card account: a) you receive a printed catalogue from a store with twenty five (25) kilometres of the store where you made your original purchase; and b) the catalogue advertises the covered item for a price more than seventy five dollars ($75) less than the price you charged to the accountholder's card account for the covered item you purchased, then we will reimburse you up to the amount specified in Part C - Tables of Benefits - Guaranteed Pricing Scheme for the difference in price between the price of the covered item charged to the accountholder's card account and the cheaper advertised price of the item in the printed catalogue you received, provided: c) the cheaper item is new, the same model number and year and produced by the same manufacturer as the covered item you purchased and charged to the accountholder's card account; and d) the catalogue advertising the cheaper item was printed after the covered item you purchased was charged to the accountholder's card account; What we exclude We do not cover items that you purchase via the internet or that are only advertised by digital medium. 87 EXTENDED WARRANTY INSURANCE Your covered items may come with guarantees that cannot be excluded under the Australian Consumer Law (ACL) or other relevant law. This cover operates alongside, and in addition to, the rights and remedies to which you may be entitled under the ACL and any other law that applies to your covered items and does not change those rights or remedies. What we cover Only items with a manufacturer's unique identification serial number on them are covered under this insurance. If a covered item that you purchased and charged the whole purchase price of to the accountholder's card account, suffers a covered breakdown during the period of cover provided after the manufacturer's warranty expires we will reimburse you the lesser of: · the repair cost; · the replacement cost; · the original purchase price, subject to the limit per covered item and maximum total limit for any one card account in any twelve (12) consecutive month period specified in Part C - Tables of Benefits - Extended Warranty Insurance. Conditions You must take all reasonable care to protect and/or maintain your covered items. You must obtain our approval before starting any repairs or replacement of any covered item that has suffered a covered breakdown. You must keep the covered item for which you are claiming or relevant parts of the covered item so that we may inspect them. 88 CLAIMS Please do not contact ANZ in the event of a claim. First check that you are covered by reading the appropriate section in this booklet and Part D - Excesses and General Exclusions to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions. How to make a claim You must give Allianz Global Assistance notice of your claim as soon as possible. Allianz Global Assistance can be contacted using the contact details listed on the inside front cover of this booklet. You can obtain claim forms and information on how to make a claim at: anz.com/allianz You can lodge your travel claim online at: www.claimmanager.com.au/anz If there is a delay in claim notification, or you do not provide sufficient detail for Allianz Global Assistance to consider your claim, we can reduce any claim payable by the amount of prejudice we have suffered because of the delay. You must give any information Allianz Global Assistance reasonably asks for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of purchase and ownership. If required Allianz Global Assistance may ask you to provide them with translations into English of any such documents to enable their consideration of your claim. You must co-operate at all times in relation to providing supporting evidence and such other information that may reasonably be required. a) If you think that you may have to cancel your journey or shorten your journey you must tell us as soon as possible. Contact Allianz Global Assistance using the contact number, or if overseas the 24 HOUR EMERGENCY ASSISTANCE number, shown inside the front cover of this booklet. b) For medical, hospital or dental claims, contact Allianz Global Assistance as soon as practicable. 89 c) For loss or theft of your covered items or valuables, report it immediately to the police and obtain confirmation of your report. You must do this within 24 hours of learning of the theft, loss or damage and the report must list and describe the missing or damaged covered items. d) For damage or misplacement of your covered items or valuables, caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they may make. e) Submit full details of any claim in writing to Allianz Global Assistance, Locked Bag 3014, Toowong DC, QLD 4066. Depreciation when taking into consideration the age of a covered item we will deduct the following amounts from our settlement if we decide to pay you instead of replacing your covered item: · For toiletries (including skin care, make-up, perfume and medications) we will deduct 50% for each year you have owned the item to a maximum amount of 80%; · For mobile phones, electrical devices, communication devices, all computers (including laptops and tablets), photographic equipment and electronics equipment we will deduct 20% for each year you have owned the item up to a maximum amount of 80%; · For clothing, footwear, luggage and books we will deduct 15% for each year you have owned the item to a maximum amount of 80%; · For camping, sporting and leisure equipment (but not leisure clothing) and musical instruments we will deduct 10% for each year you have owned the item up to a maximum 80%; · For jewellery we will not make any deduction; · For all other items we will deduct 15% for each year you have owned the item to a maximum amount of 60%. 90 For example: You have a $500 digital camera which was purchased two (2) years before the date it was lost. The applicable rate of depreciation would be 20% per year. In the event of a claim we will pay you $320 (i.e. we will depreciate the value of the digital camera by 20% for each year of the two (2) years you have owned it), calculated as follows Year 1 - Purchase price of $500 less 20% = $400 Year 2 - Depreciated value of $400 less 20% = $320 Claims are payable in Australian dollars We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense.Payment will be made by direct credit to a bank account nominated by you. You must not admit fault or liability You must not admit that you are at fault, for any accident, incident or event causing a claim, and you must not offer or promise to pay any money, or become involved in legal action, without the approval of Allianz Global Assistance. You must help us recover any money we have paid If we have a claim against someone in relation to the money we have to pay or we have paid, you must do everything you can to help us do that in legal proceedings. If you are aware of any third party that you or we may recover money from, you must inform us of such third party. When making a claim you must tell us about any other insurance under which you are or might be able to claim. If you can claim from another insurer and we also pay you in respect of the same insured event, then you must refund to us the amount we paid if the other insurer also pay you. You cannot claim from us and from the other insurer to obtain an aggregate amount that exceeds your loss. How GST may affect your claim if you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit. 91 Fraud When making a claim you have a responsibility to assist us and to act in an honest and truthful manner. If any claim is fraudulent in any way or if you or anyone acting on your behalf uses fraudulent means to make a claim on the cover described in this booklet, then no payment will be made in regard to the claim. Also ANZ will be informed of the situation and you may no longer be eligible for the cover described in this booklet. 92 COMPLAINTS & DISPUTES If you have a complaint or dispute in relation to this insurance, or our services or our representatives, please call us using the contact details on the inside front cover of this booklet, or put the complaint in writing and send it to: Post: Dispute Resolution Department, Locked Bag 3014, Toowong DC, QLD 4066. Phone: 1300 135 271 (Office Hours Monday to Friday, 9am to 5pm except public holidays. Calls from mobiles, public telephones or hotel rooms may attract additional charges.) Email: cardclaimcomplaints@allianz-assistance.com.au We will attempt to resolve the matter in accordance with our Internal Dispute Resolution process. To obtain a copy of our procedures, please contact us. We are a member of an external dispute resolution scheme which is independent and free to you. We are bound by determinations made by it in accordance with its relevant terms and rules applicable to us. Any complaint or dispute can be lodged with the Australian Financial Complaints Authority: Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 Mail: Australian Financial Complaints Authority GPO Box 3, Melbourne Victoria 3001. GENERAL INSURANCE CODE OF PRACTICE Allianz and Allianz Global Assistance proudly support the General Insurance Code of Practice. The Code sets out the minimum standards of practice in the general insurance industry. You can obtain more information on the Code and how it assists you by contacting Allianz Global Assistance using the contact details on the inside front cover of this booklet, or by visiting www.codeofpractice.com.au. 93 This page has been left blank intentionally 94 95 Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. 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