"Essentials" Schedule Of Benefits
|
|
Policy
Section
|
Benefit |
Benefit Limits
International Plan IB |
Benefit Limits
Domestic Plan D |
Summary of the Features and Benefits |
| 1 |
Overseas Medical
And Dental |
$10,000,000
Medical cover will not exceed 12 months from onset.
|
$Nil |
Cover for hospital, medical, surgical, nursing, ambulance and emergency dental expenses.
|
| 2 |
Additional
Expenses |
$10,000 |
Cover for additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes.
|
| 3 |
Amendment Or
Cancellation Costs |
$10,000 |
Cover, if due to unforeseen circumstances outside your control your journey has to be re-arranged, or cancelled e.g. illnesses, accidents, extreme weather conditions, exam re-sit or retrenchment.
|
| 4 |
Luggage And Travel Documents |
$3,000
Item limits apply. |
$3,000
Item limits apply. |
Luggage – cover for loss, theft or damage.
Travel documents – cover for replacement cost if lost or stolen.
|
| 5 |
Delayed Luggage Allowance |
$200 |
$Nil |
Cover for the cost of essential emergency purchases overseas if all your luggage is delayed by a transport provider.
|
| 6 |
Rental Car Insurance Excess |
$Nil
Unless purchased as an extra cover option. |
$2,000
Extra cover available. |
Cover for the excess you become liable to pay as a result of damage to, or theft of, a rental car.
|
| 7 |
Travel Delay |
$Nil |
$750 |
Cover for additional accommodation expenses if your scheduled transport is delayed for more than 6 hours.
|
| 8 |
Special Events |
$Nil |
$2,000 |
Covers additional costs to get you to a special event (as defined) if you would miss it due to unforeseen circumstances outside your control.
|
| 9 |
Cash In Hospital |
$1,000 |
$Nil |
$20 per night if you are hospitalised overseas due to a disabling injury or sickness provided you are in hospital for at least 48 hours.
|
| 10 |
Hijacking |
$2,000 |
$Nil |
$200 for each 24 hour period you are forcibly detained on a hijacked public transport vehicle.
|
| 11 |
Loss Of Income |
$Nil |
$1,500
Up to $250 per month. |
Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia.
|
| 12 |
Disability |
$Nil |
$10,000 |
Benefit payable if, due to an injury sustained during your journey, you suffer total loss of sight in one or both eyes or total loss of the use of a limb.
|
| 13 |
Accidental Death |
$10,000 |
$10,000 |
Benefit payable (to your estate) if you die due to an injury sustained during your journey.
|
| 14 |
Personal Liability |
$1,000,000
|
$200,000 |
Cover for legal liability if your negligent act or omission during the journey causes bodily injury or damage to property of other persons.
|
| 15 |
Medical and Dental Expenses
In Australia |
Only for Area 6
$1,000,000
Medical cover will not exceed 12 months from onset. |
$Nil |
Cover for hospital, medical and emergency dental expenses incurred in Australia, provided you are not an eligible person within the meaning of the Health Insurance Act.
|
