table of benefits plan section benefit type single a chi comprehensive duo per person family plan single b chi australia only duo per person family plan single c budget cover family plan d chi frequent traveller single plan single e non-resident cover duo per person family duo per person 1 cancellation fees and lost deposits 2 overseas emergency medical assistance 3 overseas emergency medical and hospital expenses dental expenses 4 additional expenses 5 hospital cash allowance 6 accidental death 7 permanent disability 8 loss of income 9 travel documents credit cards travellers cheques 10 theft of cash 11 luggage and personal effects 12 luggage and personal effects delay allowance 13 travel delay allowance 14 alternative transport expenses 15 personal liability 16 rental vehicle sub-limits apply unlimited unlimited unlimited $500 $50,000 $5,000 $25,000 $25,000 $10,400 $5,000 $250 $8,000 $250 $1,000 $5,000 $5 million $2,000 unlimited unlimited unlimited $500 $50,000 $5,000 $25,000 $25
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step 1 is your pe condition described in the list below 1 2 3 4 5 6 7 8 9 10 11 12 neoplasia cancer of any kind any condition for which surgery is planned you have had or are on a waiting list for an organ transplant you have been given a terminal prognosis for any condition with a life expectancy of under 24 months you require home oxygen therapy or will require oxygen for the journey chronic renal failure treated by haemodialysis or peritoneal dialysis chronic pain syndromes managed by a specialist pain management physician or clinic including back pain hiv infection with an aids defining illness mental illness as defined by dsm-v including dementia depression anxiety stress or other nervous condition therapeutic or illicit drug or alcohol addiction complications of a condition that required surgery in the past 6 months any condition that is currently under investigation to define a diagnosis or for which you are awaiting specialist opinion regarding treatment any condition which
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step 4 how do i get my pe condition assessed ask your travel agent for a pre-existing medical application form once we assess your application we have the right to accept or decline cover if we accept cover you must pay under the relevant pre-existing medical plan single cover you can apply for pe cover under plans a b you are not covered at all for any claim you make which arises from a pe condition suffered by · you or a member of your travelling party unless we have accepted cover and any additional premium we require has been paid · any relative unless that relative is hospitalised or dies in australia after the policy is issued and at the time of the policy issue you were unaware of the likelihood of such hospitalisation or death the most we will pay in respect of all claims under all the sections of the policy is $2,000 for a single plan and $4,000 for a family plan cover for travellers 71 years and over specified personal belongings cover cover for unspecified items is limite
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important matters under your policy there are rights and responsibilities which you and we have you must read this policy in full for more details but here are some you should be aware of who can purchase this policy who does the duty apply to claims processing everyone who is insured under the policy must comply with the relevant duty what happens if you or they breach the duty under plans a b c d cover is available for citizens or residents of australia for plan e cover is for non australian residents travelling to and within australia cooling off period/money back guarantee if you or they do not comply with the relevant duty we may cancel the policy or reduce the amount we pay if you make a claim if fraud is involved we may treat the policy as if it never existed and pay nothing general insurance code of practice we will process your claim within 10 working days of us receiving a completed claim form and all necessary documentation if we need additional information a written reque
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extension of your policy see your period of cover on page 28 you may extend your policy if you find that your return to australia has been delayed because of one or more of the following · if a bus line airline shipping line or rail authority you are travelling on or that has accepted your fare or luggage is delayed or · if the delay is due to a reason for which you can claim under your policy cover will be extended free of charge subject to our approval if the delay is for any other reason you must request the extension at least 7 days before your original policy expires and we must agree to this in writing an extension of cover is not provided for pre-existing medical conditions previously accepted by us in writing following the completion of a pre-existing medical assessment application form and/or for any conditions you suffered during the term of your original policy or if you are aged 85 years and over at time of extension or where you have not advised us of any circumstances tha
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your policy cover your choices plan benefits cover for plans a or b for any loss you suffer must occur in the geographical area that applies to the plan selected by you however stopovers of 2 nights outside of your selected geographical area are permitted plan a chi comprehensive covers the benefit types detailed in your policy wording i 1.1 cancellation fees and lost deposits we will pay under the policy you choose the cover you require based on your travel arrangements · whether you want the single duo or family cover this depends on who you want to be insured and · whether you want plan a b c d or e this depends on the type of cover you want cover type you have this cover if you choose plan a b d or e a we will pay your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way if your journey is cancelled or shortened at any time through circumstances neither expected nor intended by you or
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4 additional expenses we will also pay for the other following reasons 5 hospital cash allowance you have this cover if you choose plan a b d or e nil excess 4.1 we will pay because of health problems we will reimburse your reasonable additional travel and accommodation expenses if a disruption to your journey arises from the following reasons a your scheduled or connecting transport is cancelled delayed shortened or diverted because of a strike riot hijack civil commotion weather or natural disaster you unknowingly break any quarantine rule you lose your passport travel documents or credit cards or they are stolen an accident involving your mode of transport you must have written confirmation of the accident from an official body in the country where the accident happened the place you live at in australia is rendered uninhabitable by fire explosion earthquake or flood you have this cover if you choose plan a d or e nil excess 5.1 we will pay we will reimburse any reasonable additiona
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7 permanent disability 9 you have this cover if you choose plan a d or e nil excess 7.1 we will pay loss of travel documents credit cards and travellers cheques we will pay 11 damage or permanent loss of luggage and personal effects you have this cover if you choose plan a d or e 9.1 you have this cover if you choose plan a b d or e 11.1 we will pay we will pay if · you are injured during your journey and · because of the injury become permanently disabled within 12 months of the injury permanently disabled means a you have totally lost any of the following all of the sight in one or both eyes the use of a hand or foot at or above the wrist or ankle and b the loss is for at least 12 months and in our opinion after consultation with an appropriate medical specialist will continue indefinitely the limit for the permanent disability of one person under a family plan is the sum insured for the single benefit as per the plan selected and the most we will pay for any one dependant child
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11.2 we will not pay 12 we will not pay a claim in relation to your luggage and personal effects if a you do not report the loss theft or misplacement 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 can prove that you made a report by providing us with a written statement from whoever you reported it to your jewellery mobile phone camera video camera computer equipment or their accessories are transported in the cargo hold of any aircraft ship train or bus the loss theft of or damage is to or of bicycles the loss theft or damage is to items left behind in any hotel or motel room after you have checked out or items left behind in any aircraft ship train taxi or bus the loss theft or damage is to watercraft of any type other than surfboards the luggage and personal effects was being sent unaccompanied or under a freight contract the loss of or damage arises from any
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e f g h i j k l 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 any fine penalty or aggravated punitive or exemplary or liquidated damages disease that is transmitted by you any relief or recovery other than monetary amounts liability arising from a contract that imposes on you a liability which you would not otherwise have anything that is covered under any other policy we will be liable only for the amount your liability exceeds the limits of cover under any other policy assault and/or battery committed by you or at your direction or conduct intended to cause personal injury property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge consent or connivance general exclusions
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claims how to make a claim depreciation depreciation will be applied to claims for lost luggage or goods at such rates as reasonably determined by mondial assistance other insurance comprehensive holiday insurance your travel agent authorised representatives details name/company abn if applicable ar number you must give us notice of your claim as soon as possible by completing the claim form supplied by mondial assistance and posting to the address shown on the claim form if the claim form is not fully completed by you we cannot process your claim if you do not we can reduce your claim by the amount of prejudice we have suffered because of the delay you must give us any information we reasonably ask for to support your claim at your expense such as but not limited to police reports valuations medical reports original receipts or proof of ownership if required we may ask you to provide us with translations into english of such documents to enable us to carry out our assessment of your
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