OFG-Travel-PDS-FSG by liuqingyan

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                             www.over50insurance.com.au




Travel Insurance
Combined Financial Services Guide
and Product Disclosure Statement
(including Policy Wording)




Effective 1 July 2007




                             www.over50insurance.com.au
| Contents                                                 | Introduction                                                          reference to Allianz provided it acts within the binding authority.
                                                                                                                                   When providing these services, Mondial Assistance acts for
                                                                                                                                   Allianz and does not act on your behalf.
                                                           Welcome and thank you for choosing Over Fifty Insurance                 About the Authorised representAtive
	   	                                            Page      for your insurance needs. Over Fifty Insurance is a Corporate
                                                           Authorised Representative of Mondial Assistance. Over Fifty
                                                                                                                                   Over Fifty Insurance Pty Ltd ABN 58 007 165 200 Authorised
                                                                                                                                   Representative No 295939 (Over Fifty Insurance) of Level 30, 367
                                                           Travel Insurance is underwritten by Allianz Australia and               Collins Street, Melbourne, Victoria 3000 Telephone 13 31 30 is
Financial Services Guide                           2       supported by Mondial Assistance, the world leader in the                the authorised representative of Mondial Assistance.
                                                           provision of assistance and travel insurance. Allianz Australia
                                                                                                                                   Over Fifty Insurance has been authorised by Mondial Assistance
                                                           and Mondial Assistance are a member of the worldwide Allianz            to deal in and provide general advice on travel insurance
Our Product Disclosure Statement                   4       Group, one of the leading global providers of insurance and             products underwritten by Allianz. Over Fifty Insurance acts on
                                                           financial services. Allianz and Mondial Assistance, Over Fifty          behalf of Mondial Assistance and does not act on your behalf.
Summary of Benefits                                6       Insurance’s chosen assistance and insurance suppliers, deliver
                                                                                                                                   The distribution of this Financial Services Guide has been
                                                           both quality and strength, ensuring policy holders are secure           authorised by Mondial Assistance.
                                                           in the knowledge that their financial resources and assets are
Calculating your Over Fifty                                protected.                                                              reMunerAtion
                                                                                                                                   Mondial Assistance is remunerated for arranging and managing
Travel Insurance Premium                           8
                                                           | Financial Services Guide                                              travel insurance services on behalf of Allianz. This amount is
                                                                                                                                   calculated as a percentage of the premium you pay for the
Table of Benefits                                  9         for Mondial Assistance                                                policy and is paid monthly. It is only paid if you buy the policy.
                                                                                                                                   Employees and representatives receive an annual salary.

Additional Options                               11          and its Authorised                                                    Over Fifty Insurance is also remunerated if you buy this policy.
                                                                                                                                   It receives a commission which is a percentage of the gross
                                                             Representative                                                        premium you pay for the policy and is paid monthly. This
                                                                                                                                   percentage is 20% in the case of a telephone sale and 30% in
Pre-existing Medical Conditions                  12                                                                                the case of an online sale. This amount is paid only if you buy
                                                           This Financial Services Guide has been designed to help you
                                                           make an informed decision about whether to use the financial            the policy.
About This Policy Wording                        17        services provided by Mondial Assistance and its Authorised              If you would like more information about the remuneration that
                                                           Representative.                                                         Mondial Assistance receives, please contact Mondial Assistance
                                                           It also contains information about who Mondial Assistance and           on 1300 723 286 or Fax 07 3305 7016. This request should be
Important Matters                                18        the Authorised Representative are, how they are remunerated for         made within a reasonable time after this FSG is provided and
                                                           providing these financial services and how your complaints are          before the financial services are provided.

Words with Special Meanings                      22        dealt with.                                                             if you hAve A coMplAint
                                                           When Mondial Assistance or its Authorised Representative                If you have a complaint, please tell Mondial Assistance. If they
                                                           arrange an insurance policy for you, they will give you a Product       are not able to satisfactorily resolve your complaint, Mondial
Your Policy Cover                                24        Disclosure Statement (PDS) when required. The PDS is designed           Assistance which has an internal dispute resolution system
                                                           to provide important information on the significant features and        designed to seek to resolve any complaints or disputes that may
                                                           benefits of the policy to assist you to make informed decision          arise. To access it please contact Mondial Assistance on
Your Policy Wording                              26        about whether or not to buy the product. It may be more than            1300 723 286 or put the complaint in writing and send it to
                                                           one document.                                                           PO Box 162, Toowong, Queensland 4066.
General Exclusions Applicable to all Sections    41        About MondiAl AssistAnce                                                If your complaint is still not resolved to your satisfaction, you may
                                                           Mondial Assistance, which is a trading name of ETI Australia Pty        contact the Insurance Ombudsman Service Limited (IOS) which
                                                           Ltd ABN 52 097 227 177 AFS Licence 284889 of 74 High Street,            is an independent external dispute resolution body. For more
Claims                                           43                                                                                information or to access the IOS process please call the IOS on
                                                           Toowong, Queensland 4066 is an Australian Financial Services
                                                           Licensee authorised to deal in and provide general advice on            1300 780 808. Alternatively you can write to the IOS at
                                                                                                                                   PO Box 561, Collins Street West, Melbourne VIC 8007.
Health Tips                                      46        general insurance products.
                                                           Mondial Assistance has been authorised by Allianz Australia             contAct us
                                                           Insurance Limited ABN 15 000 122 850 AFS Licence 234708                 You can give either Mondial Assistance or the Authorised
Contact Details                           Back Cover       (Allianz) of 2 Market Street, Sydney, New South Wales 2000              Representative instructions using the contact details outlined in
                                                           to act on its behalf to deal in and provide general advice and          this FSG. Please retain this document in a safe place for your
                                                           handling and settling claims in relation to travel insurance
Application Form                          Back Cover       products underwritten by Allianz.
                                                                                                                                   future reference.

                                                           Mondial Assistance has a binding authority which means that             dAte prepAred
                                                           it can enter into, vary or cancel these travel insurance products       This FSG was prepared on 18 July 2007.
                                                           and handle and settle claims on the Insurer’s behalf without


                                                | PAGE 1                                                                | PAGE 2                                                                   | PAGE 
| Our Product Disclosure                                                    Applying for cover
                                                                            When you apply for the policy by completing our application                | Summary of Benefits
  Statement                                                                 we will confirm with you things such as the period of insurance,
                                                                            your premium, what cover options and excesses will apply and               this is only a summary of the benefits. please read the pds carefully for the
                                                                                                                                                       complete details of “We Will pay” and “We Will not pay” and which types of
                                                                            whether any standard terms need to be varied (this may be by way           cover are provided under each plan. importantly, please note that exclusions
this product disclosure statement (pds) includes the                        of an endorsement). These details are recorded in the Certificate          do apply as well as limits to the cover and these are set out in the policy
                                                                            of Insurance we issue to you.                                              Wording.
policy wording. A pds is a document required by the
corporations Act 2001 (cth) and contains information                        This policy document sets out the cover we are able to provide              1    cAncellAtion fees And lost deposits (pg. 26 & 27)
designed to help you decide whether to buy the policy.                      you with. You need to decide if the benefit limits, type and level of            Cover for cancellation fees and lost deposits for pre-paid
                                                                            cover are appropriate for you and will cover your potential loss.                travel arrangements due to unforeseen circumstances
About the AvAilAble covers                                                  You should also read “Claims” pages 43 to 45 to understand                       neither expected nor intended by you or which are outside
You can choose one of these 4 covers:                                       how GST is applied to a claim.                                                   your control, such as:
plan A – comprehensive cover (includes benefit sections                     If you have any queries or want further information about the                    – Sickness – Accidents – Strikes – Collisions
1 to 16);                                                                   policy, please contact Mondial Assistance.                                       – Retrenchment – Natural Disasters.
plan b – Australia only cover (includes benefit sections                                                                                                2    overseAs eMergency MedicAl AssistAnce,
                                                                            About your preMiuM
1, 4, 6, 11, 13, 15 & 16);                                                                                                                                   MedicAl evAcuAtion or funerAl eXpenses (pg. 28)
                                                                            You will be told the premium payable for the policy when you
plan c – budget cover (includes benefit sections 2, 3 & 15); or                                                                                              Cover for emergency medical assistance including:
                                                                            apply. It is based on a number of factors such as your
plan d – frequent traveller cover (includes benefit sections                                                                                                 – 24 Hour Emergency Medical Assistance – Ambulance
                                                                            destination(s), length of journey, number of persons covered.
1 to 16 whilst travelling internationally and Sections 1, 4 & 6 to 16                                                                                        – Medical Evacuations – Funeral Arrangements
                                                                            The higher the risk the higher the premium. Your premium also
whilst travelling in Australia which involves an interstate destination                                                                                      – Messages to family – Hospital Guarantees.
                                                                            includes amounts that take into account our obligation to pay
or intrastate destination (minimum of 250kms from home)).                   any relevant compulsory government charges, taxes or levies                 3    overseAs eMergency MedicAl And hospitAl
                                                                            (e.g. Stamp Duty and GST) in relation to your policy. These                      eXpenses (pg. 29)
understAnding your policy And its iMportAnt terMs                                                                                                            Cover for overseas medical treatment if you are injured
                                                                            amounts will be set out separately in your Certificate of Insurance
And conditions
                                                                            as part of the total premium.                                                    or become sick overseas, including:
To properly understand this policy’s significant features, benefits                                                                                          – Medical – Hospital – Surgical – Nursing – Restoration
and risks you need to carefully read:                                       relAtionship With our insurer                                                    of dental functions to sound and natural teeth.
• About each of the available types of Cover and Benefits in                Mondial Assistance has been authorised by Allianz Australia                 4    AdditionAl eXpenses (pg. 30 & 31)
  the “summary of benefits” pages 6 to 7 and the relevant                   Insurance Limited (the Insurer) to enter into and arrange the
                                                                                                                                                             Cover for additional accommodation and travel expenses
  Sections of the policy Wording applicable to the Cover you                policy, deal with and settle any claims under it, as the agent of
                                                                                                                                                             caused by your health problems or someone else’s
  choose including any endorsements under “Additional                       the Insurer, not as your agent. Mondial Assistance acts under
                                                                                                                                                             resulting from:
  options” and “pre-existing Medical conditions” on pages                   a binder which means that ETI Australia Pty Ltd can do these
                                                                                                                                                             – Sickness – Accidental injury – Death.
  11 to 16 (remember certain words have special meanings                    things as if it were the insurer.
  – see “Words with special Meanings” pages 22 to 23);                                                                                                       Also Cover for travelling companion or relatives
                                                                            cooling off period/Money bAcK guArAntee                                          accommodation and travel expenses to travel to, stay near
• When “We Will not pay” a claim under each policy Section                                                                                                   or escort you resulting from:
  applicable to the Cover you choose and “general exclusions                Even after you have purchased your policy, you have cooling off
                                                                            period/money back guarantee rights (see “important Matters”                      – Hospitalisation – Medical Evacuation.
  Applicable to all sections” pages 41 to 42 (this restricts the
  Cover and Benefits);                                                      pages 18 to 21 for details).                                                5    hospitAl cAsh AlloWAnce (pg. 32)

• “claims”pages 43 to 45 (these set out certain obligations                 updAting the pds
                                                                                                                                                             An allowance of $50 per day if you are hospitalised whilst
  that you and we have. If you do not meet them we may be                                                                                                    overseas for more than 48 continuous hours.
                                                                            We may need to update this PDS from time to time if certain
  able to refuse to pay a claim); and                                       changes occur where required and permitted by law. We will                  6    AccidentAl deAth (pg. 32)
• “important Matters”pages 18 to 21 (this contains important                issue you with a new PDS to update the relevant information                      A Death Benefit is payable if you die because of accidental
  information on your duty of disclosure, how the duty applies              except in limited cases. Where the information is not something                  bodily injury sustained during your journey within 12 months
  to you and what happens if you breach the duty, your                      that would be materially adverse from the point of view of a                     of that injury.
  cooling off period/money back guarantee, confirmation of                  reasonable person considering whether to buy this product, we
                                                                                                                                                        7    perMAnent disAbility (pg. 33)
  your Cover, our privacy policy and our dispute resolution                 may issue you with notice of this information in other forms or
                                                                            keep an internal record of such changes (You can get a paper                     A Permanent Disability Benefit is payable for total loss of
  process, extension of your policy, your policy excess, when
                                                                            copy free of charge by calling us).                                              sight in one or both eyes or loss of use of a hand or foot
  you can choose your own Doctor and when you should
                                                                                                                                                             within 12 months of, and because of, an injury sustained
  contact us concerning 24 hour medical assistance, overseas
                                                                            dAte prepAred                                                                    during your journey.
  hospitalisation or medical evacuation.)
                                                                            This PDS is effective 1 July 2007 and remains valid until a further
                                                                            PDS is issued to replace it.




                                                                 | PAGE                                                                    | PAGE                                                                             | PAGE 
8    loss of incoMe (pg. 33)
     A weekly Loss of Income Benefit is payable if, due to an            | Calculating your Over Fifty
     injury sustained during your journey, you are unable to work
     after your return to Australia for more than 30 days.                 Travel Insurance Premium
9    trAvel docuMents, credit cArds And
     trAvellers cheQues (pg. 34)                                         STEP 1 choose your plan type - A, B, C or D
     Cover to replace costs of travel documents lost or stolen
     from you during your journey, such as:                              STEP 2 choose cover type - Single, Duo or Family
     – Passports – Credit Cards – Travel Documents                       STEP 3 nominate your geographical area (Plan A only)
     – Travellers Cheques.
                                                                         STEP 4 phone over fifty travel insurance on 13 31 30 or visit
10   theft of cAsh (pg. 34)
                                                                                   the website www.overfify.com.au for your premium
     Cover for the following items stolen from your person,
     up to $250 for all claims combined:                                 STEP 5 refer to Additional options and pre-existing
     – Bank Notes – Cash – Currency Notes – Postal Orders                          Medical conditions (pages 11 to 16)
     – Money Orders.                                                     * pleAse note: 2 nights stopover outside your selected geographical area is permitted.
11   luggAge And personAl effects
     (AdditionAl cover options AvAilAble) (pg. 35 & 36)                  For major destinations of: (geographical Areas)
     Cover for replacing luggage stolen or reimbursing repair            usA, hawaii, canada, Africa,
     cost for accidentally damaged items, including:                     south America & Middle east          – USE WORLDWIDE TABLE
     – Luggage – Spectacles – Personal Effects                           europe, uK & Asia (including
     – Personal Computers – Cameras.                                     china, Japan & hong Kong)                      – USE EUROPE/ASIA TABLE
12   luggAge And personAl effects delAy eXpenses                         s.W. pacific, new Zealand,
     (pg. 37)                                                            papua new guinea, bali
     Cover to purchase essential items of clothing and other             norfolk island and indonesia                   – USE PACIFIC TABLE
     personal items following luggage delayed, misdirected or
     misplaced by your carrier for more than 12 hours.                   trAvel on cruise liners
                                                                         Select the destination area where your cruise is spending the
13   trAvel delAy eXpenses (pg. 37 & 38)                                 majority of your journey.
     Cover for additional meals and accommodation expenses               Travellers on domestic cruises in Australian waters may also take
     if your journey is disrupted due to circumstances beyond            the Plan A Pacific to ensure cover is available for emergency
     your control after an initial 6 hour delay.                         medical assistance or emergency Medical Cover.
14   AlternAtive trAnsport eXpenses (pg. 38)
     Cover for additional travel expenses following transport            bonus dAys
     delays to reach events such as:                                     Over Fifty Travel Insurance plans offer bonus days to assist with
     – Wedding – Funeral – Conference – Sporting Event                   premium calculations as follows:
     – Pre-paid travel/tour arrangements.                                     period of cover                       bonus dAys
15   personAl liAbility (pg. 38 & 39)                                         5 days to 16 days                          1 day
     Cover for legal liability including legal expenses for bodily            23 days to 45 days                         3 days
     injuries or damage to property of other persons as a result              2 months to 4 months                       5 days
     of a claim made against you.                                             5 months to 11 months                      7 days

16   rentAl vehicle (pg. 40)
                                                                         eXAMple of bonus dAy cAlculAtion
     Cover for car excess payable on Motor Vehicle Insurance
     resulting from your rental vehicle being:                           cover required: Plan A Comprehensive/Single/Worldwide
     – Stolen – Crashed – Damaged and/or cost of returning               travel dates:            1/12/07 – 17/12/07 (17 days cover required)
     rental vehicle due to you being unfit.                              premium:                 $142 (16 day period of cover plus 1 free day
                                                                                                  – refer Bonus Day Table above).
                                                                         pleAse note: Day of travel and day of return are counted as days.
                                                                         Return date on Certificate of Insurance is expiry date, bonus days
                                                                         do not extend return date shown on your Certificate.




                                                              | PAGE 7                                                                                  | PAGE 
                                                                                           Plan    A Over Fifty           Plan B Over Fifty
Table of Benefits    Section Benefit Type
                                                                                           Travel Insurance Comprehensive Travel Insurance Australia Only
                                                                                           Single           Duo (per person) Family         Single       Duo (per person) Family

                           *1. Cancellation Fees and Lost Deposits                         unlimited        unlimited        unlimited      unlimited    unlimited       unlimited
                           *2. Overseas Emergency Medical Assistance                       unlimited        unlimited        unlimited
                            3. Overseas Emergency Medical and Hospital Expenses            unlimited        unlimited        unlimited
                               – Dental Expenses                                           $500             $500             $500
                           *4. Additional Expenses                                         $50,000          $50,000          $100,000       $50,000      $50,000         $100,000
                           *5. Hospital Cash Allowance                                     $5,000           $5,000           $10,000
                           *6. Accidental Death                                            $25,000          $25,000          $50,000
                           *7. Permanent Disability                                        $25,000          $25,000          $50,000
                           *8. Loss of Income                                              $10,400          $10,400          $20,800
                             9. Travel Documents, Credit Cards and Travellers Cheques      $5,000           $5,000           $10,000
                           10. Theft of Cash                                               $250             $250             $250
                         *11. Luggage and Personal Effects                                 $7,500           $7,500           $15,000        $7,500       $7,500          $15,000
                         *12. Luggage and Personal Effects Delay Expenses                  $250             $250             $500
                         *13. Travel Delay Expenses                                        $2,000           $2,000           $4,000         $2,000       $2,000          $4,000
                           14. Alternative Transport Expenses                              $5,000           $5,000           $10,000
                           15. Personal Liability                                          $5 million       $5 million       $5 million     $5 million   $5 million      $5 million
                         *16. Rental Vehicle                                               $3,000           $3,000           $3,000         $3,000       $3,000          $3,000
                    *Sub-limits apply.

                                                                              Plan   C Over Fifty                                Plan   D Over Fifty
                                                                              Travel Insurance Budget Cover                      Travel Insurance
                                                                                                                                 Frequent Traveller
   Section Benefit Type                                                       Single           Duo (per person) Family                      Single
                                                                                                                                                                  Plan D – Over Fifty Travel
           *1. Cancellation Fees and Lost Deposits                                                                                        unlimited               Insurance Frequent
           *2. Overseas Emergency Medical Assistance                          unlimited        unlimited        unlimited                 unlimited               Traveller
            3. Overseas Emergency Medical and Hospital Expenses               unlimited        unlimited        unlimited                 unlimited
                                                                                                                                                                  Annual Cover
               – Dental Expenses                                              $500             $500             $500                        $500
           *4. Additional Expenses                                                                                                        $50,000                 • Worldwide or Domestic
                                                                                                                                                                      journeys
           *5. Hospital Cash Allowance                                                                                                     $5,000
                                                                                                                                                                  • Accompanying spouse
           *6. Accidental Death                                                                                                           $25,000
                                                                                                                                                                      and dependant children/
           *7. Permanent Disability                                                                                                       $25,000
                                                                                                                                                                      grandchildren under 21
           *8. Loss of Income                                                                                                             $10,400                     covered free
             9. Travel Documents, Credit Cards and Travellers Cheques                                                                      $5,000                 • Cover re-instated on the
           10. Theft of Cash                                                                                                                $250                      completion of each journey
        *11. Luggage and Personal Effects                                                                                                  $7,500                 • Not available for travellers
        *12. Luggage and Personal Effects Delay Expenses                                                                                    $250                      aged 70 years and over

        *13. Travel Delay Expenses                                                                                                         $1,000                 • Maximum length of one
                                                                                                                                                                      journey is 37 days for leisure
           14. Alternative Transport Expenses                                                                                              $5,000
                                                                                                                                                                      travel or 90 days for business
           15. Personal Liability                                             $5 million       $5 million       $5 million                $5 million
                                                                                                                                                                      travel
        *16. Rental Vehicle                                                                                                                $3,000
 *Sub-limits apply.
   If you are travelling in the course of your business, please see page 45 for information on how GST may affect your claims. All Benefits and Premiums are in Australian dollars.
                                                                                       | PAGE                                                                                            | PAGE 10
| Additional Options                                                     | Pre-existing Medical                                                            no cover for MedicAl eXpenses, cAncellAtion costs
                                                                                                                                                           or AdditionAl eXpenses
                                                                                                                                                           This section applies if any of the following conditions apply to
Age liMits                                                                 Conditions                                                                      you (or to your travelling companion or a relative) at the time your
                                                                                                                                                           policy was issued.
Age limits as at date of certificate issue.
                                                                         pregnAncy                                                                         1. You have been given a terminal prognosis for any condition
plans A and b – Available to travellers aged under 81 years of age.
                                                                         This section outlines the cover available for medical expenses or                     with a life expectancy of under 24 months
plans c and d – Available to travellers aged under 71 years of age.
                                                                         cancellation costs arising from, or related to, pregnancy.                        2. You require home oxygen therapy or you will require oxygen
The following additional premiums apply to travellers aged 71            There is no need to complete a medical declaration form for the                      for the journey
and over where applicable as at the date of policy issue.                cover detailed in the table below.                                                3. You have Chronic Renal Failure treated by haemodialysis or
pleAse note:An additional surcharge for Pre-existing Medical             In any event we will not pay medical expenses for:                                   peritoneal dialysis
Conditions may also apply.                                               •regular antenatal care                                                           4. You have been diagnosed with Congestive Heart Failure
travellers aged 71 to 75 years*: +50% of premium                         •childbirth at any gestation
                                                                                                                                                           5. You have full-blown AIDS (not an asymptomatic HIV infection)
travellers aged 76 to 80 years*: +100% of premium                        •care of the newborn child
                                                                                                                                                           6. You have had, or are on a waiting list for an organ transplant
travellers aged 81 years and over*: +200% of premium                     No cover is available for your pregnancy if your journey extends
                                                                         past the 26th week for a single pregnancy or past the 19th week                   We do not provide medical cover for these conditions in any
*not available for plans c or d                                          for a multiple pregnancy.                                                         circumstances.
pleAse note:   Age is at date of certificate issue.                                                                                                        If any of these apply to you (or your travelling companion or a
                                                                          your pregnancy                              outcome                              relative), we will not cover you under Sections 1, 2, 3, 4 and 5
cover for trAvellers 81 yeArs And over                                                                                                                     (Cancellation Fees and Lost Deposits, Overseas Emergency
A Medical Declaration Form is required to be submitted for                You	have	a	single,	uncomplicated	           Cover	is	available	under	all	        Medical Assistance, Overseas Emergency Medical and Hospital
assessment before a policy can be offered. We have the                    pregnancy,	which	did	not	arise	from	        plans	for	journeys	ending	on	or	     Expenses, Additional Expenses and Hospital Cash Allowance).
absolute right to accept or decline cover, or impose special              services	or	treatment	associated	with	an	   before	26	weeks	gestation            This means that we will not pay:
conditions such as an excess or reduced benefits.                         assisted	reproduction	program	including	                                                • your medical expenses whatsoever
policy eXcess AMounts                                                     but	not	limited	to	in	vitro	fertilisation                                               • your evacuation or repatriation to Australia
A nil excess applies to all plans except as advised in writing.                                                                                                   • your journey cancellation or rearrangement costs
                                                                          You	have	a	single	uncomplicated	            Cover	is	available	if	you	pay	
increAsed luggAge And personAl effects cover                                                                                                                      • any out of pocket or additional expenses
                                                                          pregnancy,	which	arises	from	services	      an	additional	premium	under	a	
Cover for unspecified items is limited to:                                or	treatment	associated	with	an	assisted	   Pre-existing	Medical	Condition	      pre-eXisting MedicAl conditions
Computer/Video/Camera: $3,000 each item.                                  reproduction	program	including	but	not	     Plan	for	journeys	ending	on	or	
Other Items: $750 each item.                                                                                                                               Please read this section carefully.
                                                                          limited	to	in	vitro	fertilisation           before	26	weeks	gestation
                                                                                                                                                           Travel Insurance only provides cover for emergency overseas
The maximum Benefit payable under Section 11 for damage or
                                                                                                                                                           medical events that are unforeseen. Medical conditions that were
permanent loss of unspecified Luggage and Personal Effects                You	have	a	multiple	uncomplicated	          Cover	is	available	if	you	pay	
                                                                                                                                                           pre-existing at the time of the policy being issued are not covered,
is the amount nominated on the Plan selected for all claims               pregnancy,	which	does	not	arise	from	       an	additional	premium	under	a	
                                                                                                                                                           unless they are a condition that we expressly agree to cover.
combined.                                                                 services	or	treatment	associated	with	an	   Pre-existing	Medical	Condition	
                                                                          assisted	reproduction	program	including	    Plan	for	journeys	ending	on	or	      If you have a Pre-existing Medical Condition that is not covered,
Additional Cover can be purchased for specified items (excluding                                                                                           we will not pay any claims arising from, related to or associated
jewellery) up to a total amount of $5,000 by paying an additional         but	not	limited	to	in	vitro	fertilisation   before	19	weeks	gestation
                                                                                                                                                           with that condition. This means that you may have to pay for an
premium. The premium is $40 per $1,000 or part thereof, receipts                                                                                           overseas medical emergency which can be prohibitive in some
and/or valuations need to be provided.                                    You	have	a	multiple	pregnancy,	which	       Cover	is	not	available	under	
                                                                          arises	from	services	or	treatment	          any	Plan                             countries.
Specified Personal Belongings Cover is not available for Plan C.          associated	with	an	assisted	reproduction	                                        WhAt is A pre-eXisting MedicAl condition?
pleAse note:  The General Exclusions Applicable to all Sections           program	including	but	not	limited	to	in	
                                                                                                                                                           A Pre-existing Medical Condition means:
of the policy applies regardless of the limit of additional Luggage       vitro	fertilisation
and Personal Effects cover purchases.                                                                                                                      a] An ongoing medical or dental condition of which you are
                                                                          You	have	experienced	any	pregnancy	         Cover	is	not	available	under	             aware, or related complication you have, or the symptoms
                                                                          complications	prior	to	your	policy	         any	Plan                                  of which you are aware;
                                                                          being	issued                                                                     b] A medical or dental condition that is currently being, or
                                                                                                                                                                has been investigated, or treated by a health professional
                                                                         Complications are defined as “Any secondary diagnosis                                  (including dentist or chiropractor);
                                                                         occurring prior to, during the course of, concurrent with, or                     c] Any condition for which you take prescribed medicine;
                                                                         as a result of the pregnancy, which may adversely affect the                      d] Any condition for which you have had surgery;
                                                                         pregnancy outcome.”                                                               e] Any condition for which you see a medical specialist; or
                                                                         pleAse Also reAd the generAl eXclusions to All                                    f]   Pregnancy.
                                                                         sections on pAges 41 to 42.
                                                                                                                                                           this definition applies to you, your travelling companion or
                                                                                                                                                           a relative.

                                                             | PAGE 11                                                                         | PAGE 12                                                                | PAGE 1
hoW do i obtAin cover for My pre-eXisting MedicAl                        group 2                                                                               group 3
condition?                                                               pre-eXisting MedicAl conditions Which Are Auto-                                       pre-eXisting MedicAl conditions About Which We
If you are aged 81 years or over, the following section does not         MAticAlly covered – no AdditionAl preMiuM is pAyAble.                                 need further inforMAtion – reQuire ApprovAl And
apply to you. You must complete the ‘81 Years and Over Medical           You are automatically covered if your Pre-existing Medical                            An AdditionAl preMiuM is pAyAble.
Declaration form’; available from Over Fifty Travel Insurance or         Condition is described below, provided that you have not been                         If your Pre-existing Medical Condition does not fall within Group
online at www.travelclaims.com.au/ofg. We have the absolute              hospitalised (including Day Surgery or Emergency Department                           1 or 2 and you would like to apply for cover for your Pre-existing
right to accept or decline cover, or impose special conditions           attendance) for that condition in the past 24 months.                                 Medical Condition, we will require you to complete a Medical
such as an excess or reduced benefits.                                   We do not require any further information or a Medical                                Declaration Form and send it to us for consideration. We will
                                                                         Declaration form if your condition is described in this list,                         respond within 1 business day. you can only apply for
If you have a Pre-existing Medical Condition and you want cover                                                                                                pre-existing Medical conditions cover under plans A and b.
for that condition, read the following information. if you have          and has not caused hospitalisation in the past 24 months:
                                                                                                                                                               examples of two common pre-existing Medical conditions
any questions, please contact us on 1800 227 771.                                                                                                              are set out below:
                                                                         1.	 Acne                                   21.	 Hypercholesterolaemia	
                                                                         2.	 Allergies,	limited	to	Rhinitis,	            (High	Cholesterol)	–	Provided	
group 1                                                                                                                  you	do	not	also	suffer	from	a	          cardiovascular disease:
pre-eXisting MedicAl conditions Which Are                                    Chronic	Sinusitis,	Eczema,	                                                         Medical	conditions	involving	the	heart	and	blood	vessels	are	collectively	called	
                                                                             Food	Intolerance,	Hay	Fever                 known	cardiovascular	disease	
AutoMAticAlly eXcluded                                                                                                                                           cardiovascular	disease	(CVD).	All	such	conditions	are	interrelated.	If	you	have	ever	
                                                                                                                         and/or	diabetes
We will not pay any costs or expenses arising directly or indirectly     3.	 Asthma	–	providing	that	you	are	                                                    needed	to	see	a	specialist	cardiologist,	or	been	diagnosed	with	a	form	of	CVD	such	
                                                                                                                    22.	 Hyperlipidaemia	                        as	(but	not	limited	to):
from any of the following Pre-existing Medical Conditions,                   less	than	60	years	of	age	at	the	
                                                                                                                         (High	Blood	Lipids)	–	Provided	            1.	 Aneurysms                                6.	 Previous	Heart	Surgery	
e.g. cost of medical care while overseas, or cost of cancellation            time	of	application	and/or	have	
                                                                                                                         you	do	not	also	suffer	from	a	             2.	 Angina                                       (including	valve	replacements,	
of your travel plans due to a change in health.                              no	other	lung	disease
                                                                                                                         known	cardiovascular	disease	              3.	 Cardiomyopathy                               bypass	surgery,	stents)
1. Any type of cancer that you have previously been diagnosed            4.	 Bell’s	Palsy                                and/or	diabetes                            4.	 Cerebrovascular	Accident	(stroke)        7.	 Myocardial	Infarction	
   with, or secondaries from that cancer                                 5.	 Benign	Positional	Vertigo                                                              5.	 Disturbances	in	heart	rhythm	                (heart	attack)
                                                                                                                    23.	 Hypertension	
2. Any condition for which surgery/treatment/procedure is                                                                (High	Blood	Pressure)	–	                       (cardiac	arrhythmias)                    8.	 Transient	Ischaemic	Attack
                                                                         6.	 Bunions
   planned                                                                                                               Provided	you	do	not	also	suffer	        and	you	do	not	purchase	adequate	cover	for	CVD,	you	may	not	be	covered	for	any	
                                                                         7.	 Carpal	Tunnel	Syndrome                                                              claims	relating	to	the	heart/cardiovascular	system	(including	heart	attacks	and	strokes).
3. Any condition which arises from signs or symptoms that you                                                            from	a	known	cardiovascular	
                                                                         8.	 Cataracts                                                                           If	any	of	these	conditions	is	expressly	excluded	from	the	policy,	all	CVD	is	excluded.
   are currently aware of, but;                                                                                          disease	and/or	diabetes
                                                                         9.	 Coeliac	Disease                        24.	 Hypothyroidism,	including	              chronic lung disease:
       a] You have not yet sought a medical opinion regarding
                                                                                                                         Hashimoto’s	Disease	                    If	you	have	ever	been	diagnosed	with	a	chronic	lung	disease	including	(but	not	
          the cause; OR                                                  10.	 Congenital	Blindness                                                               limited	to)	Emphysema	and	Chronic	Bronchitis,	Bronchiectasis,	Chronic	Obstructive	
       b] You are currently under investigation to define a              11.	 Congenital	Deafness                   25.	 Impaired	Glucose	Tolerance              Airways	Disease	(COAD)	or	Chronic	Obstructive	Pulmonary	Disease	(COPD)	and	you	
          diagnosis; OR                                                                                             26.	 Incontinence                            do	not	purchase	adequate	cover	for	your	respiratory	disease,	you	may	not	be	covered	
                                                                         12.	 Diabetes	Mellitus	(Types	I	and	II)	                                                for	any	claims	relating	to	a	new	airways	infection.
       c] You are awaiting specialist opinion                                 –	providing	you	were	diagnosed	       27.	 Insulin	Resistance                      If	a	chronic	lung	condition	is	expressly	excluded	under	your	policy,	all	new	infections	
4. Any condition for which you have undergone surgery in the                  over	12	months	ago,	have	no	          28.	 Iron	Deficiency	Anaemia                 are	also	excluded.
   past 6 weeks                                                               eye,	kidney,	nerve	or	vascular	
                                                                              complications	and	do	not	             29.	 Macular	Degeneration
5. Any condition for which you have ever required spinal or                                                                                                    If you have a Pre-existing Medical Condition and:
   brain surgery                                                              also	suffer	from	a	                   30.	 Meniere’s	Disease
                                                                                                                                                                    (i) you do not apply for cover (or you apply for cover and we
                                                                              known	cardiovascular	                 31.	 Menopause                                       do not agree to provide cover); or
6. Any condition which has caused a seizure in the past
                                                                              disease,	hypertension	or	             32.	 Migraine                                   (ii) you do not pay the relevant additional premium,
   12 months
                                                                              hypercholesterolaemia                                                            we will not pay any claims arising from or related to your
7. Any chronic or recurring pain (including back pain) requiring                                                    33.	 Nocturnal	Cramps
                                                                         13.	 Dry	Eye	Syndrome                                                                 Pre-existing Medical Condition.
   regular medication or other ongoing treatment such as                                                            34.	 Osteopaenia                           Refer to the Sections 1, 2, 3, 4 & 5 and the General Exclusions
   physiotherapy or chiropractic treatment                               14.	 Epilepsy	–	providing	there	
                                                                                                                    35.	 Osteoporosis                          of your policy.
                                                                              has	been	no	change	to	your	
8. Any mental illness as defined by DSM-IV including;                                                               36.	 Pernicious	Anaemia                    you cannot apply for cover for conditions outlined in
                                                                              medication	regime	in	the	past	
   a] Dementia, depression, anxiety, stress or other nervous                  12	months                                                                        group 1.
                                                                                                                    37.	 Plantar	Fasciitis
      condition;                                                                                                                                               You are only covered for any claim which arise from a Pre-existing
                                                                         15.	 Folate	Deficiency                     38. Raynaud’s	Disease                      Medical Condition suffered by a relative that is hospitalised or dies
   b] Behavioural diagnoses such as autism; and
   c] A therapeutic or illicit drug or alcohol addiction                 16.	 Gastric	Reflux                        39.	 Sleep	Apnoea                          in Australia after the policy is issued and at the time of the policy
                                                                         17.	 Goitre                                40.	 Solar	Keratosis                       issue you were unaware of the likelihood of such hospitalisation or
9. Any cardiovascular disease (see examples) if you have                                                                                                       death. The most we will pay in respect of all claims under all the
   a] Experienced angina (chest pain) within the past 6                  18.	 Glaucoma                              41. Trigeminal	Neuralgia                   sections of the policy is $2,000 for a Single Plan and $4,000 for a
      months; or                                                         19.	 Graves’	Disease                       42.	 Trigger	Finger                        Family Plan.
   b] You have had a stroke or a Transient Ischaemic Attack              20.	 Hiatus	Hernia                         43.	 Vitamin	B12	Deficiency                A Medical Declaration Form is available from Over Fifty Travel
      (TIA) within the past 12 months                                                                                                                          Insurance or online at www.travelclaims.com.au/ofg. In most cases
                                                                         If Hospitalisation has occurred, or your condition does not meet                      it can be completed entirely by you. In some cases we will also
Travel insurance is available to you, however there is no provision                                                                                            need a Doctor’s Declaration to be completed by your regular
                                                                         the description, cover is not automatic: you are required to submit
to claim for any of the medical conditions as listed in the above        a completed Medical Declaration Form, as explained in Group 3.                        treating doctor, but this is explained in more detail in the Medical
Group 1.                                                                                                                                                       Declaration Form.

                                                             | PAGE 1                                                                             | PAGE 1                                                                                      | PAGE 1
| About This                                                              | Important Matters                                                       WhAt hAppens if you or they breAch the duty?
                                                                                                                                                    If you or they do not comply with the duty of disclosure, we may
                                                                                                                                                    cancel the policy or reduce the amount we pay if you make a
  Policy Wording                                                          under your policy there are rights and responsibilities which you
                                                                                                                                                    claim. If fraud is involved, we may treat the policy as if it never
                                                                                                                                                    existed and pay nothing.
                                                                          and we have. you must read this policy in full for more details,
About this policy Wording                                                 but here are some you should be aware of:                                 generAl insurAnce code of prActice
This is your policy wording. It sets out the cover available and the      Who cAn purchAse this policy?                                             We proudly support the General Insurance Code of Practice.
standard terms and conditions which apply. You need to read it            Under Plans A, B, C & D cover is available for citizens or residents      The purpose of the Code is to raise standards of practice and
carefully to make sure you understand it and that it meets your           of Australia.                                                             service in the general insurance industry.
needs. In particular, read the “important Matters” on pages 18                                                                                      For more information on the Code, or if you have an enquiry or
                                                                          cooling off period/Money bAcK guArAntee
to 21.                                                                                                                                              complaint relating to your policy contact us on 1300 723 286.
                                                                          If you decide that you do not want this policy, you may cancel            Please contact us if you believe we have let you down in our
hoW to tAKe out your policy                                               it within 14 days after the issue of the Certificate of Insurance to      service or in any other way.
Once you have selected your Plan and level of cover, paid the             you, and you will be given a full refund of the premium you paid,
premium shown and we agree to provide cover, we will give you             provided you have not started your journey and you do not want            dispute resolution process
a Certificate of Insurance, which will entitle you to claim under the     to make a claim or to exercise any other right under the policy.          Should you have a complaint or dispute arising out of this
policy up to the relevant amounts for which you are covered.                                                                                        insurance, or our employees, authorised representatives or
                                                                          After this period you can still cancel your policy but we will not        service providers please contact Mondial Assistance on
The Certificate, this policy wording and any written endorsements         refund any part of your premium if you do.
issued by us, make up your agreement (policy) with the insurer.                                                                                     1300 723 286.
If you are satisfied with the cover please retain these documents         confirMAtion of cover                                                     We will respond to your complaint within 15 business days,
in a safe place.                                                          To confirm any policy transaction (if the Certificate of Insurance        provided we receive all necessary information and have
                                                                          does not have all the information you require) call Over Fifty            completed any investigation required. If we need more time, we
Who is the insurer?                                                       Travel Insurance.                                                         will agree on a reasonable alternative timeframe. We will keep
This policy is issued and underwritten by Allianz Australia                                                                                         you informed of the progress of our response to your complaint.
Insurance Limited ABN 15 000 122 850 AFS License 234708                   your duty of disclosure
                                                                          Before you enter into this policy with us, the Insurance Contracts        When we provide our response we will also provide information
(the Insurer).                                                                                                                                      on how our response can be reviewed by a different employee,
                                                                          Act 1984 (Cth) requires you to provide us with the information
Who is eti AustrAliA pty ltd?                                                                                                                       who has appropriate experience, knowledge and authority. If you
                                                                          we need to enable us to decide whether and on what terms your
ETI Australia Pty Ltd trading as Mondial Assistance,                                                                                                want our response reviewed we will treat the matter as a dispute
                                                                          proposal for insurance is acceptable and to calculate how much
ABN 52 097 227 177, AFS License 245631, is authorised by                                                                                            and provide you with the contact details of our employee, who
                                                                          premium is required for your policy.                                      will respond in writing within 15 business days (provided we
Allianz to enter into and arrange the policy and deal with and
                                                                          You will be asked various questions when you first apply for your         receive all necessary information and have completed any
settle any claims under it, as agent of Allianz, not as your agent.
                                                                          policy. When you answer these questions, you must:                        investigation required). If we need more time, we will agree on
Who is MondiAl AssistAnce?                                                      • give us honest and complete answers;                              a reasonable alternative timeframe, failing which you can report
Mondial Assistance administers all emergency assistance                         • tell us everything you know; and                                  your concerns to the Insurance Ombudsman Service Ltd (IOS).
services and benefits of this insurance. You may contact Mondial                                                                                    We will keep you informed of the progress of our review at least
                                                                                • tell us everything that a reasonable person in the
Assistance in an emergency 24 hours a day, 7 days a week.                                                                                           every 10 business days.
                                                                                   circumstances could be expected to tell us.
                                                                                                                                                    We will give you reasons for our decision.
Jurisdiction And choice of lAW                                            If you vary, extend, reinstate or replace the policy your duty is to
This policy is governed by and construed in accordance with               tell us before that time, every matter known to you which:                If this does not resolve the matter, you may contact the IOS, the
the law of Queensland, Australia and you agree to submit to the                                                                                     industry’s independent external complaints scheme:
                                                                                 • you know; or
exclusive jurisdiction of the courts of Queensland. You agree                    • a reasonable person in the circumstances could be                insurance ombudsman service ltd
that it is your intention that this “
                                    Jurisdiction and Choice of Law”                                                                                 PO Box 561, Collins Street West, Melbourne Vic 8007
                                                                                   expected to know,
clause applies.                                                                                                                                     Phone: 1300 780 808 (National Toll Free)
                                                                          is relevant to our decision whether to insure you and whether any         Phone: (03) 9613 6300 Fax: (03) 9621 2060.
                                                                          special conditions need to apply to your policy.
                                                                          You do not need to tell us about any matter that:                         IN THE EVENT OF A CLAIM:
                                                                               • diminishes our risk;                                               IMMEDIATE NOTICE should be given.
                                                                                                                                                    (See contact details on back cover).
                                                                               • is of common knowledge;
                                                                               • we know or should know as an insurer; or                           PLEASE NOTE: FOR CLAIMS PURPOSES, EVIDENCE OF THE
                                                                               • we tell you we do not need to know.                                VALUE OF THE PROPERTY INSURED OR THE AMOUNT OF
                                                                          Who does the duty Apply to?                                               ANY LOSS MUST BE KEPT.
                                                                          Everyone who is insured under the policy must comply with the
                                                                          duty of disclosure.




                                                              | PAGE 17                                                                 | PAGE 1                                                                | PAGE 1
sAfeguArding your luggAge And personAl effects
You must take all reasonable precautions to safeguard your
                                                                         eXtension of your policy                                                    | Words with
Luggage and Personal Effects. If you leave your Luggage and
Personal Effects unsupervised in a public place we will not pay
                                                                         See Your Period of Cover on page 25.
                                                                         You may extend your policy if you find that your return to Australia
                                                                                                                                                       Special Meanings
your claim. (For an explanation of what we mean by “Luggage              has been delayed because of one or more of the following:
and Personal Effects”, “Unsupervised” and “Public Place” see                    • If a bus line, airline, shipping line or rail authority you are    some words in your policy that have special meanings are
pages 22 to 23).                                                                  travelling on, or that has accepted your fare or luggage,          defined here.
                                                                                  is delayed; or                                                     "Aicd/icd" means an implantable cardioverter-defibrillator (ICD),
clAiMs processing
                                                                                • If the delay is due to a reason for which you can claim            also known as an automated implantable cardioverter-defibrillator
We will process your claim within 10 business days of receiving
                                                                                  under your policy, cover will be extended free of charge           (AICD).
a completed claim form and all necessary documentation.
                                                                                  subject to our approval.                                           “Arises” or “Arising” means directly or indirectly arising or in any
If we need additional information, a written notification will be
sent to you within 10 business days.                                     If the delay is for any other reason, you must request the                  way connected with.
                                                                         extension at least 7 days before your original policy expires and           "carrier" or "carriers" means an aircraft, vehicle, train, vessel or
privAcy notice                                                           we must agree to this in writing.                                           other public transport operated under a licence for the purposes of
Any personal information you provide is used by us to evaluate           An extension of cover is not provided for Pre-existing Medical              transporting passengers. This definition excludes taxis.
and arrange your travel insurance. We also use it to administer          Conditions previously accepted by us in writing and/or for any
and provide the insurance services and manage your and our                                                                                           "chronic" means a persistent and lasting condition in medicine.
                                                                         conditions you suffered during the term of your original policy or          We do not consider that chronic pain has to be ‘constant’ pain,
rights and obligations in relation to the insurance services,            if you are aged 71 years and over at time of extension, or where
including managing, processing and investigating claims. We                                                                                          however in many situations it has a pattern of relapse and
                                                                         you have not advised us of any circumstances that have or may               remission. The pain, disease or medical issue may be long-lasting,
may also collect, use and disclose it for product development,           give rise to a claim under your original policy.                            recurrent (occurred on more than 2 occasions) or characterised by
marketing, research, IT systems maintenance and development,             We will not extend cover beyond the maximum 12 month term of                long suffering.
recovery against third parties, and for any other purposes with
                                                                         cover.                                                                      “dependant” means your children or grandchildren not in full time
your consent.
                                                                         you cAn choose your oWn doctor                                              employment who are under the age of 21 and travelling with you
This personal information may be disclosed to (and received                                                                                          on the journey.
from) third parties in Australia or overseas involved in the above       You are free to choose your own Medical Adviser or we can
process, such as travel consultants, travel insurance providers          appoint an approved Medical Adviser to see you, unless you are              “epidemic” means a sudden development and rapid spreading
and intermediaries, authorised representatives, reinsurers, claims       treated under a Reciprocal Health Agreement, refer to page 29.              of a contagious disease in a region where it developed in a simply
handlers and investigators, cost containment providers, medical          You must, however, advise Mondial Assistance of your admittance             endemic state or within a previously unscathed community.
and health service providers, legal and other professional               to hospital or your early return to Australia based on medical advice.      “excess” means the amount which you must first pay for each
advisers, your agents and our related companies. The use and             If you do not get the medical treatment you expect, Mondial Assistance      claim arising from the one event before a claim can be made under
disclosure of such personal information will be provided to third        can assist you but neither Allianz nor Mondial Assistance are               your policy.
parties for the primary purposes stated above. The personal              liable for anything that results from that.                                 “home” means the place where you normally live in Australia.
information (but not sensitive information) may also be used for
                                                                         overseAs hospitAlisAtion or MedicAl evAcuAtion                              “hospital” means an established hospital registered under any
a secondary purpose, but only if you would reasonably expect us                                                                                      legislation that applies to it, that provides in-patient medical care.
to use that information for such secondary purpose.                      For emergency assistance anywhere in the world at any time,
                                                                         Mondial Assistance is only a telephone call away. The team                  “injure” or “injured” or “injury” means bodily injury caused solely
When you give personal information about other individuals, we           will help with medical problems, locating nearest medical                   and directly by violent, accidental, visible and external means,
and our agents rely on you to have made or make them aware:              facilities, your evacuation home, locating nearest embassies and            which happens at a definite time and place during your period of
       • that you will or may provide their information to us;           consulates, as well as keeping you in touch with your family and            cover and does not result from any illness, sickness or disease.
       • the types of third parties to whom the information may be       work in an emergency.                                                       “Journey” means the time from when you leave your home to go
          provided;                                                      If you are hospitalised you, or a member of your travelling party,          directly to the place you depart from on your travels, and ends
       • the relevant purposes we and the third parties will             MUST contact Mondial Assistance as soon as possible. If you                 when you return to your home.
          disclose it to, will use it for; and                           do not, we will not pay for these expenses or for any evacuation            “locked storage compartment” means a boot, trunk, glove
       • how they can access it.                                         or airfares that have not been approved or arranged by us.                  box, enclosed centre console, or concealed cargo area of a sedan,
                                                                         (See page 29).                                                              station wagon, hatchback, van or motorhome.
We rely on you to have obtained their consent on these matters.
If you have not done or will not do either of these things, you must     If you are not hospitalised but you are being treated as an                 “luggage and personal effects” means any personal items
tell us or our agents before you provide the relevant information.       outpatient and the total cost of such treatment will exceed $2,000          owned by you and that you take with you, or buy, on your journey
                                                                         you MUST contact Mondial Assistance.                                        and which are designed to be worn or carried about with you.
You can seek access to and correct your personal information
by contacting us. You may not access or correct personal                 please note that we will not pay for any costs incurred in                  This includes items of clothing, personal jewellery, photographic
information of others unless you have been authorised by their           your country of residence.                                                  and video equipment or personal computers, or electrical devices
express consent or otherwise under law, or unless they are your                                                                                      or portable equipment. However, it does not mean any business
Dependants under 16 years.                                               eXcess                                                                      samples or items that you intend to trade.
                                                                         No excess applies to any Section of your policy apart from any              “Medical Adviser” means a qualified Doctor of Medicine or
If you do not agree to the above or will not provide us with             such other amount that we tell you about in writing before the
personal information, we may not be able to provide you with                                                                                         Dentist registered in the place where you received the services.
                                                                         Certificate is issued to you, or as specified on page 11 under the
our services or products or may not be able to process your                                                                                          “normally earn” means:
                                                                         heading “Policy Excess Amounts”.
application nor issue you with a policy. In cases where we do not                                                                                        • If you are an employee, your average weekly base rate after
agree to give you access to some personal information, we will                                                                                             tax over the 12 months before your journey began.
give you reasons why.


                                                             | PAGE 20                                                                   | PAGE 21                                                                  | PAGE 22
   • If you are not an employee, your average weekly income
     from personal exertion after deducting income and all tax            | Your Policy Cover                                                       plAn benefits
                                                                                                                                                    Cover for Plans A or B for any loss you suffer must occur in the
     deductible expenses over the twelve months before your                                                                                         geographical area that applies to the Plan selected by you.
     journey. However, if you haven’t been working continuously
     for that period, it means the average for the time you were
                                                                          your choices                                                              However, stopovers of 2 nights outside of your selected
     working continuously.                                                Under the policy, you choose the cover you require based on               geographical area are permitted.
                                                                          your travel arrangements:
“open Water sailing” means sailing more than 10 nautical miles                                                                                      | plan A over fifty travel insurance comprehensive
off any land mass.                                                              • Whether you want the Single, Duo or Family Cover –                  covers the Benefits detailed in:
                                                                                  this depends on who you want to be insured; and
“pandemic” means a form of an Epidemic that extends throughout                                                                                          Sections 1 to 16.
                                                                                • Whether you want Plan A, B, C or D – this depends on
an entire continent, even the entire human race.                                                                                                    | plan b over fifty travel insurance Australia only
                                                                                  the type of cover you want and is available to you.
"pre-existing Medical condition" means:                                                                                                              covers the Benefits detailed in:
                                                                          cover type
a] An ongoing medical or dental condition of which you are aware,                                                                                       Section 1    –   Cancellation Fees and Lost Deposits
                                                                          You can choose one of the following cover types:
    or related complication you have, or the symptoms of which you                                                                                      Section 4    –   Additional Expenses
    are aware;                                                            single plan – Covering you and your dependant children listed                 Section 6    –   Accidental Death
b] A medical or dental condition that is currently being, or has          as covered on your Certificate of Insurance.                                  Section 11   –   Luggage and Personal Effects
    been investigated, or treated by a health professional (including     duo plan – Covering you and your travelling companion listed                  Section 13   –   Travel Delay Expenses
    dentist or chiropractor);                                             as covered on your Certificate of Insurance and intending to                  Section 15   –   Personal Liability
c] Any condition for which you take prescribed medicine;                  travel with you on your journey. Duo Cover does not provide                   Section 16   –   Rental Vehicle
d] Any condition for which you have had surgery;                          cover for dependant children. We issue one Certificate of
e] Any condition for which you see a medical specialist; or               Insurance. You are both covered as if you are each insured under          | plan c over fifty travel insurance budget cover
f] Pregnancy.                                                             separate policies with Single Cover Benefits per insured person.           only covers the Benefits detailed in:
This definition applies to you, your travelling companion or a            family plan – Covering you and the members of your family                     Section 2  – Overseas Emergency Medical Assistance
relative.                                                                                                                                               Section 3  – Overseas Emergency Medical and Hospital
                                                                          who go with you on your journey listed as covered on your
“public place” means any place that the public has access                 Certificate of Insurance.                                                                  Expenses
to, including but not limited to planes, trains, cruise ships, taxis,                                                                                   Section 15 – Personal Liability
buses, air or bus terminals, stations, wharves streets, museums,          The only members of your family who can be included are your
galleries, hotels, hotel foyers and grounds, beaches, restaurants,        spouse, your legally recognised de facto, your children and your
                                                                                                                                                    | plan d over fifty travel insurance frequent traveller
private carparks, public toilets and general access areas.                grandchildren. However, all children and grandchildren must be
                                                                                                                                                     covers Plan D Benefits (Sections 1 to 16) whilst travelling
“reasonable” means, for medical or dental expenses, the                   Dependant and under 21.
                                                                                                                                                     internationally and Plan D Benefits (Sections 1, 4, 6 to 16) whilst
standard level of care given in the country you are in or, for other      The limits on your cover for Family Plans apply to the total of all        travelling in Australia which involves an interstate destination or
expenses, the standard level you have booked for the rest of your         claims combined made by you and/or members of your family                  intrastate destination (minimum of 250kms from home).
journey or, as determined by us.                                          under the policy, whether the claim is in respect of you or any            Cover is not available for travellers aged 70 years and over.
“relative” means any of the following who is under 85 years of            member of your family covered under the Family Plan.
                                                                                                                                                    To find out more about the types of cover that apply to your Plan,
age and who is resident in Australia or New Zealand. It means your
or your Travelling companion’s spouse, de facto partner, parent,                                                                                    refer to Sections “We Will Pay” and “We Will Not Pay” for details.
parent-in-law, daughter, son, daughter-in-law, son-in-law, brother,                                                                                 your period of cover
sister, brother-in-law, sister-in-law, grandchild, grandparent, step-                                                                               You are not covered until we issue a Certificate of Insurance.
parent, step-son, step-daughter, fiancé or fiancée, or guardian.                                                                                    That Certificate forms part of the policy. The period you are
“sick” or “sickness” means a medical condition, not being an                                                                                        insured for is set out in the Certificate.
injury, which first occurs during your period of cover.
                                                                                                                                                    However:
“travelling companion” means a person with whom you have                                                                                                • The cover for cancellation fees and lost deposits begins
made arrangements to travel with you for at least 75% of your
                                                                                                                                                          from the time the policy is issued.
journey before you entered into your policy.
                                                                                                                                                        • Cover for all other sections begins on date of departure
“unsupervised” means:                                                                                                                                     as stated on the Certificate of Insurance. Cover ends
     • leaving your luggage with a person you did not know prior to                                                                                       when you return to your Home or on the date of return
        commencing your Journey.                                                                                                                          set out on your Certificate of Insurance whichever
     • leaving it in a position where it can be taken without                                                                                             happens first.
        your knowledge.
     • leaving it at such a distance from you that you are unable to                                                                                The maximum period of cover for any one journey under Plan D
        prevent it being taken.                                                                                                                     Over Fifty Travel Insurance Frequent Traveller cover is 37 days
                                                                                                                                                    per leisure journey or 90 days per business journey.
“We”, “our” and “us” means the insurer of your policy, Allianz
Australia Insurance Limited, through its agent ETI Australia Pty Ltd.
“you” and “your” means the person whose name is set out on
your Certificate of Insurance and everyone else who is covered
under your policy.


                                                              | PAGE 2                                                                 | PAGE 2                                                                | PAGE 2
| Your Policy Wording                                                      1.2   We Will not pAy
                                                                           We will not pay if you were aware of any reason, before your
                                                                                                                                                      2     overseAs eMergency MedicAl
                                                                                                                                                            AssistAnce, MedicAl evAcuAtion
                                                                           period of cover commenced, that may cause your journey to                        or funerAl eXpenses
1     cAncellAtion fees And lost deposits                                  be cancelled, abandoned or shortened. Nor will we pay if your
                                                                                                                                                      you have this cover if you choose plan A, c or d.
                                                                           cancellation fees or lost deposits arise because of:
you have this cover if you choose plan A, b or d.                          a] The death or sickness of your travelling companion or                   Mondial Assistance will help you with any overseas medical
                                                                                 relative, if the death or sickness is as a result of a Pre-          emergency (see “Who is Mondial Assistance?” on page 17).
1.1   We Will pAy
                                                                                 existing Medical Condition except as specified under the             You may contact them at any time 7 days a week.
a]    We will pay your cancellation fees and lost deposits for
      travel and accommodation arrangements that you have                        heading “Pre-existing Medical Conditions” on pages 12 to             2.1   We Will ArrAnge for the folloWing AssistAnce
      paid in advance and cannot recover in any other way if                     16.                                                                        services if you inJure yourself overseAs or
                                                                           b] You or your travelling companion changing plans.                              becoMe sicK Whilst overseAs:
      your journey is cancelled or shortened at any time through
      circumstances neither expected nor intended by you or                c]   Any business, financial or contractual obligations.                   a]     Access to a Medical Adviser for emergency medical
      outside your control.                                                      This exclusion does not apply to claims where:                              treatment whilst overseas.
b]    We will pay the travel agent’s cancellation fees up to $1,500              • you or a member of your travelling party are made                  b] Any messages which need to be passed on to your family
      Single policy or $3,000 Family policy when all monies have                    redundant from full-time employment in Australia                         or employer in the case of an emergency.
      been paid or the maximum amount of the deposit has been                       provided you or                                                   c]     Provide any written guarantees for payment of reasonable
      paid at the time of cancellation. However, we will not pay                 • they were not aware that the redundancy was to occur                      expenses for emergency hospitalisation whilst overseas.
      more than the level of commission or service fees normally                    before you purchased your policy.                                 d] Your medical transfer or evacuation if you must be
      earned by the agent, had your journey not been cancelled.            d] Prohibition or regulation by any Government.                                   transported to the nearest hospital for emergency medical
      Documentary evidence of the travel agent’s fee is required.          e] A tour operator or wholesaler being unable to complete                         treatment overseas or be brought back to Australia with
c]    We will pay you for loss of frequent flyer or similar air travel           arrangements for any tour because there were not enough                     appropriate medical supervision.
      points you used to purchase an airline ticket following                    people to go on the tour.                                            e] For the return to Australia of your Dependant children if they
      cancellation of your air ticket, if you cannot recover the lost      f]   Delays or rescheduling by a bus line, airline, shipping line                 are left without supervision following your hospitalisation or
      points from any other source. The cancellation must be due                 or rail authority.                                                          evacuation.
      to unforeseen circumstances outside of your control.                                                                                            If you die as a result of an injury or a sickness during your
                                                                           g] The financial collapse of any transport, tour or
      We calculate the amount we pay you by multiplying:                                                                                              journey, we will pay for the reasonable cost of either a funeral or
                                                                                 accommodation provider associated with your journey.
      • The cost of an equivalent class airline ticket based on                                                                                       cremation overseas and/or of bringing your remains back to your
                                                                           h] The mechanical breakdown of any means of transport.
         the quoted retail price at the time the ticket was issued,                                                                                   home in Australia. The maximum amount we will pay is $15,000
                                                                           i]   If your claim arises directly or indirectly from an act or threat     for all claims combined.
         less your financial contribution; and
                                                                                 of terrorism.
      • The total value of points lost divided by the total value of                                                                                  the most we will pay under this section for all claims combined
                                                                           j]   The death, injury or sickness of any person who resides               made under items 2.1 a] to e] is shown under the table of benefits
         points used to obtain the ticket.
                                                                                 outside of Australia.                                                for the plan you have selected.
the maximum amount we will pay for all claims combined under
this section is shown under the table of benefits for the plan you         k]   Where you are a full-time permanent employee and pre-
                                                                                                                                                      2.2   We Will not pAy
have selected.                                                                   arranged leave is cancelled by your employer.
                                                                                                                                                      a]    We will not pay for any expenses for medical evacuation,
                                                                           l]    Your claim arises directly or indirectly from an Epidemic or               funeral services or cremation or bringing your remains
                                                                                 Pandemic.                                                                  back to Australia unless it has been first approved by us.
                                                                           you Must checK generAl eXclusions ApplicAble                               b]    We will not pay if you decline to promptly follow the medical
                                                                           to All sections pAges 41 to 42 for other reAsons
                                                                                                                                                            advice we have obtained and we will not be responsible for
                                                                           Why We Will not pAy.
                                                                                                                                                            subsequent medical, hospital or evacuation expenses.
                                                                                                                                                      c]    We will not pay for medical evacuation or the transportation
                                                                                                                                                            of your remains from Australia to an overseas country.
                                                                                                                                                      you Must checK generAl eXclusions ApplicAble
                                                                                                                                                      to All sections pAges 41 to 42 for other reAsons
                                                                                                                                                      Why We Will not pAy.




                                                               | PAGE 2                                                                  | PAGE 27                                                                 | PAGE 2
3     overseAs eMergency MedicAl And                                         4     AdditionAl eXpenses                                                We Will Also pAy for the other folloWing reAsons:
      hospitAl eXpenses                                                                                                                               We will reimburse your reasonable additional travel and
                                                                             you have this cover if you choose plan A, b or d.
you have this cover if you choose plan A, c or d.                                                                                                     accommodation expenses if a disruption to your journey arises
                                                                             4.1   We Will pAy becAuse of heAlth probleMs                             from the following reasons.
3.1   We Will pAy                                                            We will reimburse any reasonable additional accommodation                a] Your scheduled or connecting transport is cancelled,
We will reimburse the reasonable medical or hospital expenses                and travel expenses if you cannot travel because of an injury                  delayed, shortened or diverted because of a strike, riot,
you incur until you get back to Australia if you injure yourself             or sickness which needs immediate treatment from a Medical                     hijack, civil commotion, weather or natural disaster.
overseas, or become sick there.                                              Practitioner who certifies that you are unfit to travel.                 b] You unknowingly break any quarantine rule.
a] The medical or hospital expenses must have been incurred                  We will also reimburse your reasonable additional accommodation          c]    You lose your passport, travel documents or credit cards
      on the advice of a Medical Adviser.                                    and travel expenses for you to be with your travelling companion               or they are stolen.
b] You must make every effort to keep your medical or                        if he or she cannot continue their journey for accommodation
      hospital expenses to a minimum. If we determine that you                                                                                        d] An accident involving your mode of transport. You must
                                                                             and travel expenses of your travelling companion or a relative to              have written confirmation of the accident from an official
      should return home to Australia for treatment and you do               travel to you, stay near you or escort you, if you are in hospital
      not agree to do so then we will pay you the amount which                                                                                              body in the country where the accident happened.
                                                                             suffering from a life threatening or other serious condition, or are
      we determine would cover your medical expenses and/or                                                                                           e] Your home in Australia is rendered uninhabitable by fire,
                                                                             evacuated for medical reasons. He or she must travel, stay with
      related costs had you agreed to our recommendation. You                                                                                               explosion, earthquake or flood.
                                                                             you or escort you on the written advice of a Medical Adviser and
      will then be responsible for any ongoing or additional costs                                                                                    the maximum amount we will pay for all claims combined under
                                                                             with our prior approval.                                                 this section is shown under the table of benefits for the plan you
      relating to or arising out of the event you have claimed for.
                                                                             in Addition:                                                             have selected.
c]    We will only pay for treatment received and/or hospital
      accommodation during the 12 month period after the                     a]    If you shorten your journey and return to Australia on             4.2 We Will not pAy
      sickness first showed itself or the injury happened.                         the advice of a Medical Adviser approved by us, we will            a]   We will not pay if you were aware of any reason, before
                                                                                   reimburse the reasonable cost of your return to Australia.              your period of cover commenced, that may cause your
      We Will Also pAy:                                                            We will only pay the cost of the fare class that you had
d]    the cost of emergency dental treatment up to a maximum                                                                                               journey to be cancelled or disrupted or delayed.
                                                                                   planned to travel at and you must take advantage of any            b]   We will not pay if the death, injury or sickness of a relative
      amount of $500 per trip for dental costs incurred which the                  pre-arranged return travel to Australia.
      treating Dentist certifies in writing is for the relief of sudden                                                                                    is a result of a Pre-existing Medical Condition except
                                                                             b]    If, during your journey, your travelling companion or a                 as specified under the heading “Pre-existing Medical
      and acute pain.
                                                                                   relative of either of you dies unexpectedly, is disabled by an          Conditions” on pages 12 to 16.
the maximum amount we will pay for all claims combined under                       injury or becomes seriously sick and requires hospitalisation,
this section is shown under the table of benefits for the plan you                                                                                    c]   We will not pay if you can claim your additional travel and
have selected.
                                                                                   we will reimburse the reasonable additional cost of your                accommodation expenses from anyone else.
                                                                                   return to Australia. We will only pay the cost of the fare
3.2   We Will not pAy                                                                                                                                 d]   We will not pay if your claim relates to the financial collapse
                                                                                   class you had planned to travel at.
We will not pay for expenses:                                                                                                                              of any transport, tour or accommodation provider.
                                                                             c]    If you return to your home in Australia because, during
a] Arising from Pre-existing Medical Conditions except                                                                                                e]   We will not pay for delays or rescheduling by a bus line,
                                                                                   your journey, a relative of yours dies unexpectedly or is
     as specified under the heading “Pre-existing Medical                                                                                                  airline, shipping line or rail authority unless it is due to
                                                                                   hospitalised following a serious injury or a sickness, we
     Conditions” on pages 12 to 16.                                                                                                                        a strike, riot, hijack, civil commotion, weather or natural
                                                                                   will reimburse you up to $3,000 towards return airfares
b] When you have not notified us as soon as practicable of                                                                                                 disaster.
                                                                                   if you are able to resume your journey, but only if more
     your admittance to hospital.                                                  than 14 days remain of the period of your journey on your          f]   We will not pay if you operate a rental vehicle in breach of
c]  After 2 weeks treatment by a Chiropractor, Physiotherapist                     Certificate of Insurance.                                               the rental agreement.
     or Dentist unless approved by us.                                       d]    However, if you do not have a return ticket booked to              g]   We will not pay as a result of you or your travelling
d] If you do not take our reasonable advice or that any                            Australia before you were injured or became sick, we will               companion changing plans.
     Assistance company we appoint.                                                reduce the amount of your claim by the price of the fare to        you Must checK generAl eXclusions ApplicAble
                                                                                   Australia from the place you planned to return to Australia        to All sections pAges 41 to 42 for other reAsons
e] If you have received medical care under a Reciprocal
                                                                                                                                                      Why We Will not pAy.
     National Health Scheme. Reciprocal Health Agreements                          from. The fare will be at the same fare class as the one you
     are currently in place with the following countries:                          left Australia on.
     Finland, Italy, Malta, the Netherlands, Norway, Sweden, the             e]    Wherever claims are made by you under this Section and
     Republic of Ireland, United Kingdom and New Zealand.                          Section 1 for cancelled services/facilities or alternative
f]  For damage to dentures, dental prostheses, bridges or crowns.                  arrangements for the same or similar services/facilities, we
g] Relating to dental treatment involving the use of precious                      will pay for the higher of the two amounts, not both.
     metals or for cosmetic dentistry.
you Must checK generAl eXclusions ApplicAble
to All sections pAges 41 to 42 for other reAsons
Why We Will not pAy.




                                                                 | PAGE 2                                                                | PAGE 0                                                                 | PAGE 1
5     hospitAl cAsh AlloWAnce                                             7     perMAnent disAbility                                                9    loss of trAvel docuMents, credit
you have this cover if you choose plan A or d.                            you have this cover if you choose plan A or d.                                 cArds And trAvellers cheQues
                                                                                                                                                    you have this cover if you choose plan A or d.
5.1   We Will pAy                                                         7.1 We Will pAy
We will pay you $50 for each day you are in hospital if you are                                                                                     9.1 We Will pAy
                                                                          We will pay if:
in hospital for more than 48 continuous hours while you are                                                                                         a]   We will reimburse you the replacement costs (including
                                                                                • you are injured during your journey; and                               communication costs) of any travel documents, including
overseas.
                                                                                • because of the injury, become permanently disabled                     passports, credit cards or travellers cheques you lose or
However, no matter how long you are in hospital the maximum                        within 12 months of the injury.                                       which are stolen from you during your journey.
amount we will pay for all claims combined under this Section is
                                                                          Permanently disabled means:                                               b]   We will also cover loss resulting from the fraudulent use of
shown under the Table of Benefits for the Plan you have selected.
                                                                          a] you have totally lost any of the following:                                 any credit card held by you following the loss of the card
5.2 We Will not pAy                                                             – all of the sight in one or both eyes;                                  during your journey.
a]    We will not pay for the first 48 continuous hours you are                 – the use of a hand or foot at or above the wrist or ankle;         c]   We will only cover those amounts not covered by any
      in hospital.                                                                 and                                                                   guarantee given by the bank or issuing company to you as
b]    We will not pay if you cannot claim for overseas medical            b] the loss is for at least 12 months and, in our opinion after                the cardholder covering such losses.
      expenses in Section 3.                                                    consultation with an appropriate Medical Specialist, will           the maximum amount we will pay for all claims combined under
you Must checK generAl eXclusions ApplicAble                                    continue indefinitely.                                              this section is shown under the table of benefits for the plan you
to All sections pAges 41 to 42 for other reAsons                                                                                                    have selected.
                                                                          The limit for the permanent disability of one person is the sum
Why We Will not pAy.
                                                                          insured as per the Plan selected and the most we will pay for             9.2 We Will not pAy
                                                                          any one Dependant is $5,000.                                              a]   We will not pay if you:
6     AccidentAl deAth                                                    the maximum amount we will pay for all claims combined under                   • do not report the theft within 24 hours to the police and,
                                                                          this section is shown under the table of benefits for the plan you               in the case of credit cards and travellers cheques, to
you have this cover if you choose plan A, b or d.
                                                                          have selected.                                                                   the issuing bank or company in accordance with the
6.1 We Will pAy                                                                                                                                            conditions under which the card or cheque were issued;
                                                                          7.2   We Will not pAy
We will pay the Death Benefit, to the estate of the deceased, if:                                                                                          and
                                                                          you Must checK generAl eXclusions ApplicAble
a] you are injured during your journey and you die because                to All sections pAges 41 to 42 for other reAsons                               • you cannot prove that you made a report to the above
      of that injury within 12 months of the injury; or                   Why We Will not pAy.                                                             relevant persons by providing us with a written statement
b] during your journey, something you are travelling on                                                                                                    from them.
      disappears, sinks or crashes and you are presumed dead              8     loss of incoMe                                                      you Must checK generAl eXclusions ApplicAble
      and your body is not found within 12 months.                                                                                                  to All sections pAges 41 to 42 for other reAsons
                                                                          you have this cover if you choose plan A or d.                            Why We Will not pAy.
The limit we will pay for the death of any one accompanying
Dependant is $5,000.                                                      8.1   We Will pAy
The limit for the death of one person, who is not an                      If you are injured during your journey and become disabled                10   theft of cAsh, bAnK notes, currency
accompanying Dependant is the sum insured as per the Plan                 within 30 days because of the injury, and the disablement                      notes, postAl orders or Money orders
selected.                                                                 continues for more than 30 days after your return to Australia, we        you have this cover if you choose plan A or d.
the maximum amount we will pay for all claims combined under              will pay you what you normally earn.
this section is shown under the table of benefits for the plan you                                                                                  10.1 We Will pAy
                                                                          We will only pay if you cannot do your normal or suitable
have selected.                                                                                                                                      The most we will pay is $250 for any cash, bank notes, currency
                                                                          alternative work and you lose all your income.
                                                                                                                                                    notes, postal orders or money orders stolen from your person.
6.2 We Will not pAy                                                       the maximum amount we will pay for all claims combined under
We will not pay for death caused by suicide or for any other              this section is shown under the table of benefits for the plan you        10.2 We Will not pAy
reason other than caused by injury as defined on page 22.                 have selected.                                                            a]   We will not pay if you do not report the theft within 24
you Must checK generAl eXclusions ApplicAble                              8.2 We Will not pAy
                                                                                                                                                         hours to the police or an office of the bus line, airline,
to All sections pAges 41 to 42 for other reAsons                                                                                                         shipping line or rail authority you were travelling on when
                                                                          We will not pay for the first 30 days of your disablement from the
Why We Will not pAy.                                                                                                                                     the theft occurred. You can prove that you made a report
                                                                          time you return to Australia.
                                                                                                                                                         by providing us with a written statement from whoever you
                                                                          you Must checK generAl eXclusions ApplicAble                                   reported it to.
                                                                          to All sections pAges 41 to 42 for other reAsons
                                                                                                                                                    b]   We will not pay if the cash, bank notes, currency notes,
                                                                          Why We Will not pAy.
                                                                                                                                                         postal orders or money orders were not on your person at
                                                                                                                                                         the time they were stolen.
                                                                                                                                                    you Must checK generAl eXclusions ApplicAble
                                                                                                                                                    to All sections pAges 41 to 42 for other reAsons
                                                                                                                                                    Why We Will not pAy.




                                                              | PAGE 2                                                                 | PAGE                                                                  | PAGE 
11   dAMAge or perMAnent loss of luggAge                                  11.2 We Will not pAy                                                     12   luggAge And personAl effects
     And personAl effects                                                 We will not pay a claim in relation to your Luggage and Personal              delAy eXpenses
you have this cover if you choose plan A, b or d.                         Effects if:                                                              you have this cover if you choose plan A or d.
                                                                          a] You do not report the loss, theft or misplacement within
11.1 We Will pAy                                                                24 hours to the police or an office of the bus line, airline,      12.1 We Will pAy
a]    We will pay the repair cost, or value of any Luggage and                  shipping line or rail authority you were travelling on when        We will reimburse up to the sum insured as per the Plan
      Personal Effects which is stolen or accidentally damaged or               the loss, theft or misplacement occurred. You must prove           selected for all claims combined if any items of your Luggage
      is permanently lost. When calculating the amount payable                  that you made such report by providing us with a written           and Personal Effects are delayed, misdirected or misplaced
      we will apply depreciation due to age, wear and tear.                     statement from whoever you reported it to.                         by the carrier for more than 12 hours, and in our opinion it was
      The amount of such depreciation will be determined by               b] Your jewellery, mobile phone, camera, video camera,                   reasonable for you to purchase essential items of clothing or
      us. No depreciation will be applied to goods purchased                    computer equipment or their accessories are transported            other personal items.
      duty free prior to your departure or goods purchased                      in the cargo hold of any aircraft, ship, train or bus.             Your claim must contain written proof from the carrier who was
      during your journey. We will not pay more than the original         c]    The loss, theft or damage is to or of bicycles.                    responsible for your luggage that it was delayed, misdirected or
      purchase price of any item. We also have the option to                                                                                       misplaced.
                                                                          d] The loss, theft or damage is to items left behind in any
      repair or replace the Luggage and Personal Effects instead                                                                                   We will deduct any amount we pay you under this Benefit for any
                                                                                hotel or motel room after you have checked out or items
      of paying you.                                                                                                                               subsequent claim for lost Luggage and Personal Effects.
                                                                                left behind in any aircraft, ship, train, taxi or bus.
b] The maximum amount we will pay for any item (item limit)                                                                                        the maximum amount we will pay for all claims combined under
                                                                          e] The loss, theft or damage is to watercraft of any type
      is:                                                                                                                                          this section is shown under the table of benefits for the plan you
                                                                                (other than surfboards).
      • $3,000 for personal computers, video recorders or                                                                                          have selected.
                                                                          f]    The Luggage and Personal Effects were being sent
          cameras.                                                                                                                                 12.2 We Will not pAy
                                                                                unaccompanied or under a freight contract.
      • $750 for all other unspecified items.                                                                                                      We will not pay if you are entitled to compensation from the bus
                                                                          g] The loss or damage arises from any process of cleaning,
A pair or related set of items, for example but not limited to:                 repair or alteration.                                              line, air line, shipping line or rail authority you were travelling
      • A camera, lenses (attached or not), tripod and                    h] The loss or damage arises from ordinary wear and tear,                on for the relevant amount claimed. However, if you are not
          accessories;                                                          deterioration, atmospheric or weather conditions, insects,         reimbursed the full amount, we will pay the difference between
      • A matched or unmatched set of golf clubs, golf bag and                  rodents or vermin.                                                 the amount of your expenses and what you were reimbursed up
          buggy, or                                                                                                                                to the limit of your cover.
                                                                          i]    The Luggage and Personal Effects were left unsupervised
      • A matching pair of earrings, are considered as only one                 in a public place.                                                 you Must checK generAl eXclusions ApplicAble
          item and the appropriate single item limit will be applied.                                                                              to All sections pAges 41 to 42 for other reAsons
                                                                          j]    The Luggage and Personal Effects were left unattended in           Why We Will not pAy.
c]    In addition to the above item limits we will also pay up to a             a motor vehicle unless it was locked in the boot or locked
      maximum of $5,000 (or such other lower amount which you                   storage compartment.
      have previously selected) for all items combined, in relation                                                                                13   trAvel delAy eXpenses
                                                                          k]    The Luggage and Personal Effects were left overnight in a
      to those items that you have specified on the “Increased                  motor vehicle even if it was in the locked storage                 you have this cover if you choose plan A, b or d.
      Luggage and Personal Effects Cover” section of the                  l]    The Luggage and Personal Effects have an electrical or
      application form and paid an additional premium for.                                                                                         13.1 We Will pAy
                                                                                mechanical breakdown.
d] Luggage and Personal Effects left in a motor vehicle are                                                                                        We will reimburse the cost of your reasonable additional meals
                                                                          m] The Luggage and Personal Effects are fragile, brittle or              and accommodation expenses if a delay to your journey, for at
      only covered during daylight hours and must have been                     an electronic component is broken or scratched – unless
      locked in the boot or a Locked Storage Compartment and                                                                                       least 6 hours, arises from circumstances outside your control:
                                                                                either:
      forced entry must have been made. No cover applies if                                                                                        We will pay up to $200 at the end of the initial 6 hour period.
                                                                                – it is the lens of spectacles, binoculars or photographic         In addition we will pay up to $200 for each full 24 hour period
      Luggage and Personal Effects are left unattended in the                      or video equipment; or
      passenger compartment of the motor vehicle or if the                                                                                         that the delay continues beyond the initial 6 hour delay.
                                                                                – The breakage or scratch was caused by a crash                    the maximum amount we will pay for all claims combined under
      Luggage and Personal Effects have been left in the motor
                                                                                   involving a vehicle in which you are travelling.                this section is shown under the table of benefits for the plan you
      vehicle overnight. The most we will pay if your Luggage
      and Personal Effects are stolen from the Locked Storage             n]    You are entitled to be reimbursed by the bus line, airline,        have selected.
      Compartment of an unoccupied vehicle is $200 for each                     shipping line or rail authority you were travelling on             13.2 We Will not pAy
      item and $2,000 in total for all stolen items, even if you                when the loss, theft, misplacement or damage occurred.
                                                                                                                                                   We will not pay if a disruption to your journey arises from any of
      have purchased additional cover for specified items.                      However, if you are not reimbursed the full amount of your
                                                                                                                                                   the following reasons:
the maximum amount we will pay for all claims combined under
                                                                                claim, we will pay the difference between the amount of
                                                                                your loss and what you were reimbursed, up to the limit of         a] You can claim your additional meals and accommodation
this section is shown under the table of benefits for the plan you
                                                                                your Cover (allowing for depreciation due to age, wear and               expenses from anyone else.
have selected.
                                                                                tear).
                                                                          o] The loss or damage is to sporting equipment whilst in use
                                                                                (including surfboards).
                                                                          you Must checK generAl eXclusions ApplicAble to
                                                                          All sections pAges 41 to 42 for other reAsons Why
                                                                          We Will not pAy.


                                                              | PAGE                                                                 | PAGE                                                                  | PAGE 7
b]   The financial collapse of any transport, tour or                     15.2 We Will not pAy                                                    16   rentAl vehicle
     accommodation provider                                               We will not reimburse you for anything you have to pay because
                                                                                                                                                  you have this cover if you choose plan A, b or d.
c]   Your claim arises directly or indirectly from an act or threat       of a legal claim against you for causing injury, death or damage
     of terrorism.                                                        to property, if the claim arises out of or is for:                      16.1 We Will pAy
you Must checK generAl eXclusions ApplicAble                              a] Bodily injury to you, your travelling companion, or to a             We will reimburse the rental vehicle insurance excess or the cost
to All sections pAges 41 to 42 for other reAsons                                 relative or employee of either of you;                           of repairing the vehicle, whichever is the lesser, if a vehicle you
Why We Will not pAy.                                                      b] Damage to property belonging to you, or in your care or              have rented from a rental company is involved in a motor vehicle
                                                                                 control, or belonging to, or in the care or control of, your     accident while you are driving, or is damaged or stolen while
14   AlternAtive trAnsport eXpenses                                              relative, or your travelling companion, or to an employee of     in your custody. You must provide a copy of the repair account
                                                                                 either of you;                                                   and/or quote.
you have this cover if you choose plan A or d.
                                                                          c]     Something arising out of the ownership, custody or use           This cover does not take the place of Rental Vehicle Insurance
14.1 We Will pAy                                                                 of any aerial device, watercraft or mechanically propelled       and only provides cover for the excess component up to the
We will pay your reasonable additional travel expenses as                        vehicle;                                                         applicable Section limit.
determined by us to reach a wedding, funeral, conference,                 d] Something arising out of the conduct of a business,                  In addition, we will pay up to $500 for the cost of returning your
sporting event or prepaid travel/tour arrangements on time if your               profession or trade;                                             rental vehicle to the nearest depot if your attending registered
scheduled transport is cancelled, delayed, shortened or diverted          e] Any loss, damage or expenses which are covered                       Medical Practitioner or Dentist certifies in writing that you are
and that means you would not arrive on time.                                     or should have been covered under a Statutory or                 unfit to do so during your journey.
the maximum amount we will pay for all claims combined under                     Compulsory Insurance policy, Statutory or Compulsory             the maximum amount we will pay for all claims combined under
this section is shown under the table of benefits for the plan you                                                                                this section is shown under the table of benefits for the plan you
                                                                                 Insurance or Compensation Scheme or Fund, or under
have selected.                                                                                                                                    have selected.
                                                                                 Workers’ Compensation Legislation, an Industrial Award or
14.2 We Will not pAy                                                             Agreement, or Accident Compensation Legislation;                 16.2 We Will not pAy
a]   We will not pay if cancellation, delay, shortening or diversion      f]     Any fine, penalty or aggravated, punitive or exemplary or        We will not pay a claim involving the theft or damage to your
     of your scheduled transport arises from the financial                       liquidated damages;                                              rental vehicle if the claim arises directly or indirectly from:
     collapse of any transport, tour or accommodation provider.           g] Disease that is transmitted by you;                                  a] You operating a rental vehicle in violation of the rental
b]   We will not pay if your claim arises directly or indirectly from     h] Any relief or recovery other than monetary amounts;                        agreement.
     an act or threat of terrorism.                                       i]     Liability arising from a contract that imposes on you a          b] You using the rental vehicle while affected by alcohol or
you Must checK generAl eXclusions ApplicAble                                     liability which you would not otherwise have;                          any other drug in a way that is against the law of the place
to All sections pAges 41 to 42 for other reAsons                                                                                                        you are in.
Why We Will not pAy.
                                                                          j]     Anything that is covered under any other insurance policy.
                                                                                 We will be liable only for the amount your liability exceeds     c]    You using a rental vehicle without a licence for the purpose
                                                                                 the limits of cover under any other policy;                            that you were using it.
15   personAl liAbility                                                                                                                           you Must checK generAl eXclusions ApplicAble
                                                                          k] Assault and/or battery committed by you or at your direction; or
you have this cover if you choose plan A, b, c or d.                                                                                              to All sections pAges 41 to 42 for other reAsons
                                                                          l]     Conduct intended to cause personal injury, property              Why We Will not pAy.
                                                                                 damage or liability with reckless disregard for the
15.1 We Will pAy
                                                                                 consequences of you or any person acting with your
We will cover your legal liability for payment of compensation in                knowledge, consent or connivance.
respect of:
                                                                          you Must checK generAl eXclusions ApplicAble
       • death, bodily injury or illness, and/or                          to All sections pAges 41 to 42 for other reAsons
       • physical loss of damage to property,                             Why We Will not pAy.
occurring during your journey which is caused by an accident or a
series of accidents attributable to one source or originating cause.
We will also reimburse your reasonable legal expenses for
settling or defending the claim made against you. We decide
whether the expenses were reasonable.
You must not accept liability without our prior written approval.
the maximum amount we will pay is the limit of liability shown for
the type of cover selected (single or family) and the plan you have
selected on the attached table of benefits.




                                                              | PAGE                                                                | PAGE                                                                 | PAGE 0
| General Exclusions                                                        MedicAl

                                                                            14   Your claim arises from Pre-existing Medical Conditions
                                                                                                                                                        | Claims
  Applicable to all Sections                                                     except as specified under the heading “Pre-existing Medical
                                                                                 Conditions” on pages 12 to 16.                                         hoW to MAKe A clAiM
                                                                            15   Your claim is in respect of travel booked or undertaken against        You must give us notice of your claim as soon as possible
We Will not pAy under Any circuMstAnces if:                                      the advice of any Medical Adviser.                                     by completing the claim form supplied by our Client Services
                                                                            16   Your claim arises directly or indirectly from any injury or illness    department and posting to the address shown on the claim
generAl                                                                          where a metastatic or terminal prognosis was made prior to the
1    You do not act in a responsible way to protect yourself and your
                                                                                                                                                        form. If the claim form is not fully completed by you, we cannot
                                                                                 issue of the Certificate of Insurance.
     property and to avoid making a claim.                                                                                                              process your claim. If you do not, we can reduce your claim by
                                                                            17   Your claim arises out of pregnancy, or related complications
2    You do not do everything you can to reduce your loss as much                                                                                       the amount of prejudice we have suffered because of the delay.
                                                                                 after 26 weeks of pregnancy with a single baby, or after 19
     as possible.                                                                weeks of pregnancy with a multiple pregnancy.                          You must give us any information we reasonably ask for to
3    Your claim arises from consequential loss of any kind including        18   Your claim arises out of pregnancy, childbirth or related              support your claim at your expense, such as but not limited to
     loss of enjoyment.                                                          complications except as specified under the heading                    police reports, valuations, medical reports, original receipts or
4    At the time of purchasing the policy, you were aware of                     “Pregnancy” on page 12.                                                proof of ownership.
     something that would give rise to you making a claim under             19   Your claim involved a hospital where you are being treated
     this policy.                                                                                                                                       If required we may ask you to provide us with translations
                                                                                 for addiction to drugs or alcohol, or are using it as a nursing,
5    Your claim is for a loss which is recoverable by compensation               convalescent or rehabilitation place.                                  into English of such documents to enable us to carry out our
     under any workers compensation or transport accident laws or           20   Your claim involves the cost of medication in use at the time the
                                                                                                                                                        assessment of your claim.
     by any government sponsored Fund, Plan, or Medical Benefit                  journey began or the cost for maintaining a course of treatment        You must co-operate with us at all times in relation to the
     Scheme, or any other similar type legislation required to be                you were on prior to the journey.                                      provision of supporting evidence and such other information
     effected by or under a law.                                            21   Your claim arises from or is in any way related to depression,         as we may reasonably require.
6    Your claim arises from errors or omissions in any booking                   anxiety, stress, mental or nervous conditions.
     arrangements or failure to obtain relevant visa, passport or
                                                                                                                                                              • For medical, hospital or dental claims, contact Mondial
                                                                            22   Your claim arises from suicide or attempted suicide.                           Assistance as soon as practicable.
     travel documents.
                                                                            23   Your claim arises directly or indirectly from a sexually
7    Your claim arises because you act illegally or break                                                                                                     • For damage or permanent loss of your Luggage and
                                                                                 transmitted disease, except where previously accepted by us
     any government prohibition or regulation including visa                     in writing according to the Pre-existing Medical Conditions                    Personal Effects, report it immediately to the police and
     requirements.                                                               process on pages 12 to 16.                                                     obtain a written notice of your report.
8    Your claim arises from a government authority confiscating,            24   You were under the influence or addicted to intoxicating liquor              • For damage or misplacement of your Luggage and
     detaining or destroying anything.                                           or drugs except a drug prescribed to you by a medical adviser.                 Personal Effects, caused by the airline or any other
9    Your claim arises from being in control of a motorcycle without        25   Despite our advice otherwise following your call to Mondial                    operator or accommodation provider, report the damage
     a current Australian motorcycle licence or you are a passenger              Assistance, you received private hospital or medical treatment                 or misplacement to an appropriate official and obtain a
     travelling on a motorcycle that is in the control of a person               where public funded services or care is available in Australia
     that does not hold a current motor cycle licence valid for the
                                                                                                                                                                written report, including any offer of settlement that they
                                                                                 or under any Reciprocal Health Agreement between the                           may make.
     country you are travelling in.                                              Government of Australia and the Government of any other
10   Your claim arises because you did not follow advice in the                  country.                                                                     • Submit full details of any claim in writing within 30 days
     mass media of any government or other official body’s warning:         26   Your claim arises from any medical procedures in relation                      of your return.
     • against travel to a particular country or parts of a country;             to AICD/ICD insertion during overseas travel. If you, your             clAiMs Are pAyAble in AustrAliAn dollArs to you
     • of a strike, riot, bad weather, civil commotion or contagious             travelling companion or a relative (as listed on your Certificate
        disease;                                                                 of Insurance) requires this procedure, due to sudden and acute         We will pay all claims in Australian dollars. We will pay you unless
     • of a likely or actual Epidemic or Pandemic (such as H5N1                  onset which occurs for the first time during your period of cover      you tell us to pay someone else. The rate of currency exchange
        Avian influenza);                                                        and not directly or indirectly related to a Pre-existing Medical       that will apply is the rate at the time you incurred the expense.
     • of a threat of an Epidemic or Pandemic (such as H5N1 Avian                Condition, we will exercise our right to organise a repatriation to
                                                                                                                                                        you Must not AdMit fAult or liAbility
        influenza) that requires the closure of a country borders;               Australia for this procedure to be completed.
     • of an Epidemic or Pandemic that results in you being                                                                                             In relation to any claim under this policy you must not admit that
        quarantined,                                                        sports And leisure                                                          you are at fault, and you must not offer or promise to pay any
     and you did not take appropriate action to avoid or minimise           27   Your claim arises because you hunt, race (other than on foot),
                                                                                                                                                        money, or become involved in litigation, without our approval.
     any potential claim under your policy (including delay of travel            engage in Open Water Sailing, play polo, go mountaineering             depreciAtion
     to the country or part of the country referred to in the warning.           or rock climbing using ropes or climbing equipment (other
     Please refer to www.who.int for further information.
                                                                                                                                                        Depreciation will be applied to claims for Luggage and Personal
                                                                                 than for hiking) or from professional sport of any kind, or from
                                                                                 parachuting or hang gliding.                                           Effects at such rates as reasonably determined by Mondial
11   Your claim arises from any act of war, whether war is declared
     or not or from any rebellion, revolution, insurrection or taking of    28   Your claim arises because you dive underwater using an                 Assistance.
     power by the military.                                                      artificial breathing apparatus, unless you hold an open water          you Must help us to recover Any Money We hAve pAid
12   Your claim arises from a nuclear reaction or contamination from             diving licence issued in Australia or you were diving under
                                                                                 licensed instruction.
                                                                                                                                                        If we have a claim against someone in relation to the money we
     nuclear weapons or radioactivity.
                                                                                                                                                        have to pay under this policy, you must do everything you can to
13   Your claim arises from biological and or chemical material,            29   Your claim arises from travel in any air supported device other
                                                                                 than as a passenger in a fully licensed aircraft operated by an        help us do that in legal proceedings. If you are aware of any third
     substance, compound or the like used directly or indirectly for
     the purpose to harm or to destroy human life and or create                  airline or charter company. This exclusion does not apply to           party that you or we may recover money from, you must inform
     public fear.                                                                regulated or licensed ballooning.                                      us of such third party.


                                                                | PAGE 1                                                                   | PAGE 2                                                                 | PAGE 
if you cAn clAiM froM Anyone else, We Will only MAKe                        business trAvellers – hoW gst Affects your clAiM                           heAlth tips
up the difference                                                           If you are entitled to claim an input tax credit in respect of a cost      The internet is a great source of health information for travellers.
If you can make a claim against someone other than under an                 for which a claim is made, or would be entitled to an input tax            For vaccination and health advice including information on
insurance policy in relation to a loss or expense covered under             credit if you were to incur the relevant cost (i.e. in replacing a         disease outbreaks:
this policy and they do not pay you the full amount of your claim,          lost or stolen item), the amount we would otherwise pay will be
we will make up the difference. You must claim from them first.             reduced by the amount of that input tax credit.                            www.cdc.gov or www.who.int

other insurAnce                                                             trAvel Within AustrAliA only                                               before trAvel, consult your heAlth professionAl
If any loss, damage or liability covered under this policy is                                                                                          to discuss:
                                                                            If you are entitled to claim an input tax credit in respect of your
covered by another insurance policy, you must give us details.              premium you must inform us of the amount of that input tax                       • Itinerary                   • Duration of travel
If you make a claim under one insurance policy and you are paid             credit (as a percentage) at the time you first make a claim.                     • Style of travel             • Past medical history
the full amount of your claim, you cannot make a claim under the            If you fail to do so, you may have a liability for GST if we pay                 • Vaccination requirements    • Pregnancy
other policy. If you make a claim under another insurance policy            you an amount under this policy.                                                 • Allergies                   • Medications
and you are not paid the full amount of your claim, we will make                                                                                             • Pre-existing Conditions     • Disease prevention
                                                                            frAud
up the difference. We may seek contribution from your other
Insurer. You must give us any information we reasonably ask for             Insurance fraud places additional costs on honest policyholders.           tips for long distAnce trAvellers
to help us make a claim from your other Insurer.                            Fraudulent claims force insurance premiums to rise. We encourage                 • Do frequent leg exercise and take deep breaths
                                                                            the community to assist in the prevention of insurance fraud.                      regularly while seated
subrogAtion                                                                                                                                                  • Drink plenty of non-alcoholic beverages to prevent
We may, at our discretion undertake in your name and on your                You can help by reporting insurance fraud. All information will be
                                                                                                                                                               dehydration
behalf, control and settlement of proceedings for our own benefit           treated as confidential and protected to the full extent under law.
in your name to recover compensation or secure indemnity from               Report insurance fraud by calling 1800 453 937.                            the three r’s of travel vaccination
any party in respect of anything covered by this policy.
                                                                                                                                                       routine vAccinAtions (childhood or adult vaccinations)
You are to assist and permit to be done, all acts and things
as required by us for the purpose of recovering compensation                                                                                                 • Tetanus/diphtheria          • Polio
or securing indemnity from other parties to which we may                                                                                                     • MMR                         • Influenza
become entitled or subrogated, upon us paying your claim                                                                                                     • Pneumococcal                • Varicella
under this policy regardless of whether we have yet paid your
                                                                                                                                                       reQuired vAccinAtions
claim and whether or not the amount we pay you is less than
full compensation for your loss. These rights exist regardless                                                                                         For instance when crossing international borders certain
of whether your claim is paid under a non-indemnity or an                                                                                              vaccinations are required.
indemnity clause of this policy.                                                                                                                             • Yellow Fever             • Cholera
                                                                                                                                                             • Meningococcal
recovery
We will apply any money we recover from someone else under                                                                                             recoMMended vAccinAtions
a right of subrogation in the following order:                                                                                                         There are some vaccinations recommended when travelling
1. To us, our administration and legal costs arising from the                                                                                          overseas specific to your destination. These may include:
   recovery.                                                                                                                                                • Hepatitis A                 • Hepatitis B
2. To us, an amount equal to the amount that we paid to you                                                                                                 • Typhoid                     • Japanese Encephalitis
   under the policy.                                                                                                                                        • Poliomyelitis               • Rabies
                                                                                                                                                            • Cholera
3. To you, your uninsured loss (less your excess).
4. To you, your excess.                                                                                                                                Please see your Doctor to identify your specific needs.

Once we pay your total loss we will keep all money left over.
If we have paid your total loss and you receive a payment from
someone else for that loss or damage, you must pay us the
amount of that payment up to the amount of the claim we paid
you.
If we pay you for lost or damaged property and you later recover
the property or it is replaced by a third party, you must pay us the
amount of the claim we paid you.




                                                                | PAGE                                                                   | PAGE                                                                 | PAGE 
      | Application Form
   if you hAve insufficient spAce to coMplete your AnsWers                                                     increased luggage and personal effects cover (not available Plan C)
   pleAse AttAch A sepArAte sheet.                                                                            You may purchase extra cover (up to a total of $5,000) for:
                                                                                                           • Specified articles taken from Australia (valuations or receipts must be attached) OR
   commencement/departure date                                  /               /                          • Specified articles purchased overseas.
   expiry/return date                                           /               /
                                                                                                               Extra cover up to:      $1,000     $2,000     $3,000       $4,000     $5,000
   traveller details
   Surname                                         Given Names                                                 Cost up to:             $40        $80        $120         $160       $200
   (Mr/Mrs/Ms/Miss)                                Date of Birth                /           /              details of specified articles                            sum insured
   Surname                                         Given Names                                             (eg. camera)
   (Mr/Mrs/Ms/Miss)                                Date of Birth                /           /              1                                                          $
   dependant(s) to be covered (not applicable to Duo Policies)
   Surname                                         Given Name                                              2                                                          $
   (Mr/Miss)                                       Date of Birth                /           /
                                                                                                           3                                                          $
   Surname                                         Given Name
   (Mr/Miss)                                       Date of Birth                /           /              4                                                          $
   traveller Address details
                                                                                                           Additional sum insured & Additional premium                $                     $
   Home Address
                                                                                                           (i.e. $40 per $1,000 or part thereof)

   Suburb                                                              Postcode                            sub total from front of application form                                         $
   Phone       (Bus Hrs)                                (After Hrs)                                        totAl cost                                                                       $
   Major destination
   cover Area           Worldwide              Europe /Asia           Pacific           Australia          credit card Authority

   cover required                Single Plan         Duo Plan             Family Plan                      Please Debit my:           Visa           Mastercard            Amex

                                                                                                           Card No:
pre-eXisting MedicAl conditions:
You are not automatically covered for Pre-existing Medical Conditions. Please refer to the                 Card Holder’s Name:
definition of and guidelines for Pre-existing Medical Conditions on pages 12 to 16 of the PDS.
Do you have a Pre-existing Medical Condition (as outlined in the PDS)?                          YeS   NO   Expiry Date:
Do you want cover for your Pre-existing Medical Condition for "Your
Period of Cover" (see page 25)?                                                                 YeS   NO   Signature:                                                            Date:
We	are	unable	to	offer	cover	for	those	Pre-existing	Medical	Conditions	outlined	on	pages	
12	to	16	under	the	headings	“No	cover	for	medical	expenses,	cancellation	costs	or	additional	
                                                                                                           1. I/we acknowledge that a copy of the combined Financial Services Guide (FSG), Product
expenses”	and	“Group	1	–	Pre-existing	Medical	Conditions	which	are	automatically	excluded”.
                                                                                                              Disclosure Statement (PDS) and Policy Wording, which contains the Duty of Disclosure and
If	you	have	any	of	the	conditions	which	are	excluded,	you	are	still	able	to	purchase	a	policy	                consequences of non-disclosure, was given to me/us before I/we applied for this policy and
but	the	outlined	exclusions	will	still	apply.
                                                                                                              that I/we have made the decision to purchase this after carefully reading the terms of the
If	you	do	not	expressly	apply	for	cover	and	pay	an	additional	premium	for	Pre-existing	Medical	               policy and decided that this policy is suitable for my/our needs.
Conditions,	your	claim	may	be	declined.                                                                    2. I/we authorise any doctor or clinic to provide Mondial Assistance with information concerning
1. Do you require cover for your Pre-existing Medical Condition?                          YeS   NO            my current or past medical history. I/we have read the Privacy Notice and I/we consent to
2. Do all your Pre-existing Medical Conditions fall under Group 2?                        YeS   NO            the collection, use and disclosure of my/our personal information by Mondial Assistance or
	 (If	YES,	we	provide	automatic	cover	for	these	Pre-existing	Medical	Conditions	                              the Insurer to such person and for such purposes stated in the Privacy Notice.
    listed	in	Group	2	at	no	additional	premium).                                                           3. I/we acknowledge that this policy does not automatically provide cover for Pre-existing
3. Are you required to complete and submit a Medical Declaration form?                    YeS   NO            Medical Conditions.
	 (If	YES,	please	complete	the	Pre-existing	Medical	Condition	application	form.	                           4. I/we agree to abide with the terms and conditions of this policy and confirm that the above
    If	your	application	for	cover	is	approved,	an	additional	premium	will	be	payable.	                        information is correct.
    Not	available	for	Plans	C	or	D).
4. If approved, what is your assessment number?				MPE:______________________________                      Signature:                                                            Date:

  Plan Selected                                                                     Cost                             please forward completed application form with full payment to:
     	Plan A:	Comprehensive	                                                        $                                                   Over Fifty Travel Insurance
                                                                                                                                         c/o Mondial Assistance
      	Plan B:	Australia	only	                                                      $
                                                                                                                                    PO Box 162, TOOWONG QLD 4066
      	Plan C:	Budget	                                                              $

      	Plan D:	Frequent	Traveller	                                                  $

  SubTotal	to	carry	forward	to	reverse	of	page	                                     $


                                  Application continues on reverse of page.
          For assistance or enquiries
        please call our friendly staff on




 Over Fifty Insurance Pty Ltd
 ABN 58 007 165 200




Claims enquiries contact 1300 723 286
Mondial Assistance
24-hour Emergency Assistance

+61 7 3305 7499                 (reverse charge from overseas)
1800 010 075                    (within Australia)




This insurance is issued and managed by ETI Australia Pty Ltd
ABN 52 097 227 177, AFS Licence No. 245 631 PO Box 162 Toowong
Qld 4066 trading as Mondial Assistance as agent of the insurer Allianz
Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708
of 2 Market Street, Sydney NSW 2000.

								
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