NAB Card Insurance. Policy Information Booklet effective

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1 NAB Card Insurance Policy Information Booklet effective

2 Contents NAB Card Insurance Policy Information Booklet Page Important Information 1 Privacy 4 General Insurance code of practice 6 Complaint and disputes resolutions process 6 Definitions 7 Overseas Travel Insurance Plan 15 Interstate Flight Insurance Plan 41 Domestic Hotel Burglary Insurance Plan 51 Transport Accident Insurance Plan 54 Extended Warranty Insurance Plan 58 Purchase Protection Insurance Plan 63 Price Protection Insurance Plan 68 General Conditions of the NAB card Insurance Policy 71 Contact Details 74 Important Information As a NAB cardholder, you are eligible for the Benefits under the NAB Card Insurance. This Policy Information Booklet sets out the Benefits and cover available to you under the NAB Card Insurance. The NAB Card Insurance includes the following insurance Plans: Overseas Travel Insurance Plan, Interstate Flight Insurance Plan, Domestic Hotel Burglary Insurance Plan, Transport Accident Insurance Plan, Extended Warranty Insurance Plan, Purchase Protection Insurance Plan, and Price Protection Insurance Plan (collectively, the Plans ) This insurance will apply where the qualifying purchase is made from 1 June 2014 and transacted in the following ways: If using your NAB Credit Card purchases using your credit card facility directly charged by the merchant; or If using your NAB Gold Visa Debit Card purchases using your debit card either by using the physical card or by providing the debit card number when paying for your purchases. Purchases using the linked account without the use of the debit card (e.g. by direct credit from your NAB Internet Banking facility, PayPal, Bpay or Secure Pay or any other payment facility) will not be covered. QM Date prepared: 1 June

3 See the Plan Activation sections for each of the Plans. You should keep the receipt for any qualifying purchase, together with details of any loss that you suffer that is covered under these insurance Plans. You may also be required to provide other documents to support your claim see What to do in the event of a claim section for each of the Plans. You may be eligible for the Benefits provided by the Plans (as set out in this booklet) but are not required to accept the insurance. If you do wish to make a claim under these Plans you will be bound by the terms and conditions set out in this booklet for NAB Card Insurance. The insurance cover provided by NAB to its cardholders is a complimentary benefit and the Policy is not individually underwritten. It is subject to standard terms and conditions applicable to all cardholders. Certain eligibility criteria apply. For example: for the Overseas Travel Plan, you must be under 90 years at the time of your loss; and The Overseas and Interstate Travel Plans exclude pre-existing medical conditions. You should read the Policy carefully to ensure you understand the terms and conditions to decide whether it meets your specific needs. Details of the insurance NAB has obtained the insurance available under the NAB Card Insurance under a Group Policy issued by QBE. As a NAB cardholder you are eligible to receive Benefits under this policy. Insurance details Issuer: QBE Insurance (Australia) Limited ABN AFS Licence No Pitt Street Sydney NSW 2000 Insured: National Australia Bank Ltd NAB is not the issuer of the NAB Card Insurance Plans. NAB nor any of its related corporations guarantee any of the Benefits under the Plans. NAB does not receive any commission or remuneration from QBE for arranging this insurance. Neither NAB nor any of its related corporations are authorised representatives under the Corporations Act 2001 (Cth) of QBE. Sanctions This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit QBE, its parent company or its ultimate controlling entity, from providing the insurance. Termination of Plan NAB may terminate any of the NAB Card Insurance Plans by providing written notification to their primary NAB Cardholders. Purchases made before the expiry of this notification will still have the Benefit of cover under the chosen Plan. It is the responsibility of the primary NAB cardholder to inform additional cardholders of the termination and/or changes to any of the NAB Card Insurance Plans when notified to the primary NAB cardholder. 2 3

4 Privacy All companies in the QBE Group are committed to safeguarding your privacy and the confidentiality of your personal information. QBE collects only that personal information from or about you for the purpose of assessing your claim for insurance and administering the insurance policy. QBE will only use and disclose your personal information for a purpose you would reasonably expect. We will request your consent for any other purpose. Without this personal information we may not be able to administer your insurance or process your claim. Our aim is to always have accurate and up-to-date information, you should contact us if the information is not correct. QBE uses the services of a related company located in the Philippines to provide Call Centre sales and claims handling, accounting and administration services to QBE in Australia. QBE or our authorised agent may collect or disclose your personal information from or to: any person authorised by you; a mail house, records management company or technology services provider (for printing and/or delivery of mail and , including secure storage and management of our records). These companies may be located or the records stored using Cloud technology overseas, including in India, Ireland, USA or the Netherlands; a financier whose name appears on the Policy Schedule (for the purpose of confirming the currency of the Policy or when you have a claim and the insured property is a total loss, to confirm if the financier has a current interest); an organisation that provides you with banking facilities (for the purpose of arranging direct debit or other payment transactions or confirming payments made by you to us); a financial services provider or our agent who is arranging your insurance (for the purpose of confirming your personal and insurance details); another person named as a co-insured on the Policy (for the purpose of confirming if full disclosure has been made to us); another insurer (to obtain confirmation of your no claim bonus or to assess insurance risks or to assist with an investigation); our reinsurer that may be located overseas (for the purpose of seeking recovery from them); a dispute resolution organisation such as the Financial Ombudsman Service (for the purpose of resolving disputes between QBE and you or between QBE and a third party); a company to conduct surveys on our behalf for the purpose of improved customer services; and an insurance reference bureau (to record any claims you may make upon us). In addition to the above, in the event of a claim, QBE or our authorised agent may disclose your personal information: to a repairer or supplier (for the purpose of repairing or replacing your insured items); to an investigator, assessor (for the purpose of investigating or assessing your claim); to a lawyer or recovery agent (for the purpose of defending an action by a third party against you or recovering our costs including your excess or seeking a legal opinion regarding the acceptance of a claim); to a witness to a claim (for the purpose of obtaining a witness statement); to another party to a claim (for the purpose of obtaining a statement from them or seeking recovery from them or to defend an action by a third party). Personal information (about you) may also be obtained from the above people or organisations. 4 5

5 In addition we will: give you the opportunity to find out what personal information we hold about you and when necessary, correct any errors in this information. Generally we will do this without restriction or charge; and provide our dispute resolution procedures to you, should you wish to complain about how we handle your personal information. To obtain further information about our Privacy Policy or to request access to or correct your personal information, please To make a complaint The General Insurance Code of Practice QBE is a signatory to the General Insurance Code of Practice. The code aims to: 1 Promote more informed relations between insurers and their customers; 2 Improve consumer confidence in the general insurance industry; 3 Provide better mechanisms for the resolution of complaints and disputes between insurers and their customers; and 4 Commit insurers and the professionals they rely upon to higher standards of customer service. For more information please visit the Code of Practice website or follow the links from the Insurance Council of Australia s website at Complaints and Dispute resolution process We will do everything possible to provide a quality service to you. However, we recognise that occasionally there may be some aspect of our service or a decision we have made that you wish to query or draw to our attention. We have a complaints and dispute resolution procedure which undertakes to provide an answer to your complaint within fifteen (15) working days. If you would like to make a complaint or access our internal dispute resolution service please contact the nearest QBE office and ask to speak to a dispute resolution specialist. If you are not happy with our answer, or we have taken more than fifteen (15) working days to respond, you may take your complaint to the Financial Ombudsman Service (FOS), an ASIC approved external dispute resolution body. FOS resolves certain insurance disputes between consumers and insurers and will provide an independent review at no cost to you. QBE is bound by the determination of FOS but the determination is not binding on you. We will provide the contact telephone number and address of the FOS office upon request. Financial Claims Scheme Your Policy is a protected policy under the Financial Claims Scheme (FCS), which protects certain insureds and claimants in the event of an insurer becoming insolvent. In the unlikely event of QBE becoming insolvent you may be entitled to access the FCS, provided you meet the eligibility criteria. More information may be obtained from APRA or Policy Wording NAB Card Insurance is underwritten by QBE Insurance (Australia) Limited ABN , AFS Licence No Definitions Applicable to ALL PARTS of the NAB Card Insurance policy document. The following definitions apply throughout the terms and conditions set out in this Policy Information Booklet. Accident or Accidental means any sudden, unforeseen and identifiable event which happens by chance. 6 7

6 Bed care patient means you are confined to bed during an overseas journey, for a continuous period of at least 24 hours on the certified advice of a legally qualified and registered medical practitioner and you are under the continuous care of a registered nurse (other than yourself or a member of your family). You are not a bed care patient if you are a patient in any institution used primarily as a nursing or convalescent home, a place of rest, a geriatric ward, a mental institution, a rehabilitation or external care facility for the care or treatment of alcoholics or drug addicts. Business day means a day other than a Saturday or Sunday or a day gazetted as a public holiday throughout Australia. Burglary means an unlawful and forcible entry to premises by a person or persons with intent to steal. Conveyance means an aircraft, vehicle, train, vessel or other public transportation that is licensed to carry fare paying passengers. Covered breakdown means the failure of a covered product to operate for the purpose for which it was designed, due to a breakdown or defect, which would be covered by the terms of the original warranty if that warranty had not yet expired. Covered product means a new domestic appliance product purchased in Australia during the cover term that has an original warranty of at least six (6) months and no more than five (5) years and which is paid for in full by a NAB cardholder with a NAB Card account. Dependent children or Dependent child means your unmarried child or children who are: (a) eighteen (18) years of age or younger; or (b) twenty-four (24) years of age or younger if they are full time students at an institution of higher learning; and at the time of a covered event giving rise to a claim are primarily dependent upon you for maintenance and support; and who are travelling with you on the journey. A child who is physically or mentally incapable of self support upon attaining the age of eighteen (18) years shall continue to be covered under this policy as a dependent child, for as long as the child remains incapacitated and unmarried. Extended warranty period means: 1 Where the original warranty is at least six (6) months but less than twelve (12) months; The original warranty period is doubled. 2 Where the original warranty is between twelve (12) months and five (5) years; The period commencing from the date the original warranty expires and ending no later than twelve (12) months after commencement of the extended warranty period. Family, families or family members means your spouse and your dependent children that are travelling with you. Financial default means, but is not limited to insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction. Injury/injured means bodily injury, caused by accidental, violent, external and visible means, whilst this insurance cover is in force and which results, solely, directly and independently of any pre-existing medical condition or any other cause, within twelve (12) calendar months from the date of the accident. Interstate flight means travel on a registered and scheduled commercial airline (but not charter trips) between two or more Australian States and/or territories, including the state and/or the territory in which you reside. 8 9

7 Interstate journey means the interstate travel you undertake and the shorter period commencing from the time you leave your usual place of residence in Australia to travel directly to the airport from where you are catching your interstate flight, until: 1 the time you return to your usual place of residence in Australia, or 2 the expiry of fourteen (14) consecutive days following the time that you leave any place in Australia to travel directly interstate. The maximum duration of coverage is fourteen (14) consecutive days. Kidnapping/kidnapped/Kidnap means the wrongful abduction and detention of you against your will or by deception by a person or group for the purpose of obtaining a ransom, kidnap or extortion payment as a condition of your release. Motorcycle means a single, two or three wheeled vehicle that is powered or partly powered to move by its own motor. Motorcycle includes these vehicles or any of their accessories or spare parts: 1 motor cycles and mini-motor cycles; and 2 motorised scooters, motorised bicycles, motorised skateboards and quad bikes, but does not include mobility scooters designed to accommodate physical disabilities or the elderly. NAB means National Australia Bank Limited ABN , of 800 Bourke Street, Docklands, Victoria NAB Card means a current and valid personal NAB credit card or NAB Gold Visa Debit card. NAB cardholder means a permanent resident of Australia to whom NAB has issued a NAB Card and includes the primary cardholder and any additional cardholder to whom a NAB Card has been issued for use on the same account, unless otherwise stated. NAB Credit Card means a current and valid personal NAB Premium credit cards, NAB Qantas Plus Card or NAB flybuys Rewards card. Overseas means outside of Australia. Norfolk Island, Lord Howe Island, Cocos Islands and Christmas Island as recognised external territories of Australia will for the purposes of any Plan offered under the NAB Card Insurance policy be treated as overseas. Overseas Journey means the shorter period commencing from the time you leave your usual place of residence in Australia to travel overseas, until: 1 the time you return to your usual place of residence in Australia; or 2 the expiry of six (6) consecutive months following the time that you leave your usual place of residence in Australia to travel overseas. The maximum duration of coverage is six (6) consecutive months. For the Overseas Travel Insurance Plan to apply, your overseas journey must commence and conclude in Australia. Original warranty means the implied obligations, rights and duties embodied in the written warranty provided by the manufacturer, which is applicable in Australia, of the covered product when it is purchased new. The warranty must have coverage of no less than six (6) months and no more than five (5) years. Personal Goods means all new personal property acquired for domestic or household use, but does not include: items acquired for re-sale, business or commercial use, or purchased in a business name; consumables or perishables; contraband; second-hand items or antiques; items intended for or have become landlord s fixtures and fittings real estate. Fixed or movable fixtures or fittings, intended to form or have become part of any real estate; real estate; computer software or non tangible items; animal or plant life; any motorised or mechanically propelled vehicle, vessel or watercraft and/or their accessories; 10 11

8 cash, bullion, negotiable instruments, gift vouchers, traveller s cheques or tickets of any description; sporting equipment while being used; mobile or cell phones if the phone is part of a telecommunication provider s post paid plan or any other contractual arrangements; services; or item(s) purchased prior to 1 June Pre-existing medical condition means a condition which is relevant to you, your travelling companion, relative or any other person and means: (a) any existing medical condition (including but not limited to mental disorder, anxiety, alcoholism, drug addiction or pregnancy); and / or any chronic or ongoing medical or dental condition, of which you were aware, or for which investigation, (whether or not a diagnosis has been made) treatment or advice was received, or medication prescribed or taken at any time before you obtained your return overseas travel ticket; (b) any condition (including but not limited to mental disorder, anxiety, alcoholism, drug addiction or pregnancy); and / or any medical or dental condition, of which you were aware of, or for which investigation, (whether or not a diagnosis has been made) treatment or advice was received, or medication prescribed or taken after you obtained your return overseas travel ticket, but before the commencement of your journey; or (c) any complication arising from any of the conditions expressed in paragraphs (a) or (b) above. Unexpected or unforeseen events relating to pregnancy are not regarded as a pre-existing condition. Printed advertisement means published marketing catalogue and/or brochure. Public place includes but is not limited to shops, airports, train stations, bus stations, streets, hotel foyers and grounds, restaurants, beaches, public toilets, and any other place to which the public has access. Ransom means any monetary loss, which you incur in the provision and delivery of cash, marketable goods, services or property to secure your release. Relative means your spouse, child, parent, sibling, inlaws, grandparent, step-parent, uncle, aunt, stepdaughter, step-son, grandchild, guardian, fiancée, fiancé, halfsibling, niece, nephew or cousin who is: (a) resident in Australia or New Zealand at the time you activated your Overseas Travel Insurance Plan or Interstate Flight Insurance Plan; and (b) under 80 years of age at the time of your loss. Rental vehicle means a passenger-class hatchback, sedan, station wagon or four-wheel-drive vehicle rented or hired from a licensed motor vehicle rental company for the sole purpose of carrying you and your travelling companions on public roadways. It does not include any other type of vehicle or vehicle use. Repair agent means a dealer or independent service centre authorised by us to carry out assessment and/or repairs of covered products. Return Interstate Airfares means the flight fare to depart the State and/or territory in which you reside and the flight fare to return to the State and/or territory in which you reside. Single or Singles means you when you travel by yourself. Specified injury/injured means loss of life or bodily injury (but not an illness or sickness): (a) caused by an accident during the currency of any Plan; and (b) resulting independently of any other cause. Furthermore specified injury as used with reference to hand or foot means complete severance through or above the wrist in relation to hand(s) or ankle joint in relation to foot/feet and, as used with reference to eye, means irrecoverable loss of the entire sight thereof. Spouse means your spouse or de facto partner of either sex, with whom you have continuously cohabited for a period of three (3) consecutive months or more and who travels with you on the overseas journey 12 13

9 Terrorist act (s) means: (a) Any act which is verified or recognised by the (relevant) government as an act of terrorism; or (b) Any act including but not limited to the use of force or violence and/or the threat thereof of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political religious ideological or similar purposes including the intention to influence or overthrow any government and/or to put the public or any sector of the public in fear, or at risk of terrorist acts. Unaccompanied means in relation to luggage, personal effects or travel documents sent or left somewhere else by you so that they are not travelling with you on your overseas journey. Unattended means, your possessions are in a position where they can be taken without you or your travel companion knowing or being able to prevent them from being unlawfully taken. War means armed conflict between nations including forces acting for any international authority whether war be declared or not; invasion; civil war; any attempt to usurp power or any activity arising out of an attempt to participate in military force between nations. We, our, us, means QBE Insurance (Australia) Limited ABN AFSL You, yourself and your means a NAB cardholder and includes your spouse and/or your dependent children who are travelling with you for the entire overseas or interstate journey. Overseas Travel Insurance Plan Conditions Plan activation Your Plan is activated if: (a) You are a NAB cardholder; and (b) Prior to the commencement of your overseas journey, you have paid a minimum of $500 in pre paid overseas transport costs (including travel by air, rail, road or watercraft); and or accommodation costs; and or organised land tour costs all of which are inclusive of any charges, fees and or taxes (excluding foreign currency and traveller s cheques) with your NAB Card; and (c) Transacted in the following ways: If using your NAB Credit Card purchases using your credit card facility directly charged by the merchant; or If using your NAB Gold Visa Debit Card purchases using your debit card either by using the physical card or by providing the debit card number when paying for your purchases. Purchases using the linked account without the use of the debit card (e.g. by direct credit from your NAB Internet Banking facility, PayPal, BPay or Secure Pay or any other payment facility) will not be covered

10 Schedule of Benefits The most we will pay for any Benefit is: Section Benefits Benefit Limits For persons aged 75 years or under at time of claim 1 Journey Cancellation and Amendment Costs Overseas Medical and Dental expenses Additional Expenses 2 Luggage; Personal Effects; and Travel Documents 3 Personal Liability Up to $2,500,000 per person 4 Rental Vehicle damage and Theft Excess Waiver 5 Accidental Death Actual Incurred Costs subject to the sublimits below Sub-limits Travel agents cancellation fees up to $500 per person Actual incurred costs Actual incurred costs subject to the sublimits below Sub-limits Overseas Bed Care Patient: $100 per 24 hours up to $15,000 per person. Travel Delay maximum $750 per person or $1,500 in total for families. Resumption of Overseas journey up to $5,000 per person up to $10,000 in total for families. Return of Rental Vehicle $250 per overseas journey. Up to $15,000 for singles: $20,000 for families, subject to: a maximum of $2,000 for any one item, set, or pairs of items. a maximum of $6,000 for Laptop computers, inclusive of accessories a maximum Emergency luggage replacement of: $300 for singles; $600 for families. Up to $2,500,000 per person Up to $5,000 per overseas journey $150,000 for NAB cardholder. $75,000 for spouse. $50,000 for each dependant child up to a maximum of $150,000. Loss of Income up to $1,000 per week for income earners 6 Hijack and Detention $100 per day up to a maximum of $10,000 for singles; $20,000 for families. 7 Missed Special Event Maximum of $3,250 per family for all Missed Special Events 8 Kidnap and Ransom Maximum of $250,000 per person. No Benefit for Kidnap And Ransom arising in Mexico, Central or South America. Benefit Limits For persons aged 76 years and over up to 90 years at time of claim Travel agents Cancellation Benefit of $5,000 applies. Sub-limits Travel agents cancellation fees up to $500 per person Not eligible for cover Not eligible for cover Up to $15,000 for singles: $20,000 for families, subject to: a maximum of $2,000 for any one item, set, or pairs of items. a maximum of $6,000 for Laptop computers, inclusive of accessories a maximum Emergency luggage replacement of: $300 for singles; $600 for families. Up to $2,500,000 per person Up to $5,000 per overseas journey $150,000 for NAB cardholder. $75,000 for spouse. $50,000 for each dependant child up to a maximum of $150,000. No cover for Loss of Income $100 per day up to a maximum of $10,000 for singles; $20,000 for families. Maximum of $3,250 per family for all Missed Special Events Maximum of $250,000 per person. No Benefit for Kidnap And Ransom arising in Mexico, Central or South America

11 Cover commencement periods Cover for Journey cancellation and amendment costs Benefit, commence from the time your Plan is activated as described in the Plan activation conditions above. For all other Benefits under this Overseas Travel Insurance Plan, cover will commence from the time you commence your overseas journey. Fit for travel You must be fit to travel and not be aware of any circumstance which could lead to cancellation or disruption of your overseas journey. Otherwise your claim under this Plan may be adversely impacted. Limits of liability The Overseas Travel Insurance Plan is limited to the sums insureds specified for each section, as shown in the Schedule of Benefits table on page 16. Sub limits may apply to some of the Benefits. NAB cardholders under 90 years of age are eligible for cover under the Overseas Travel Insurance Plan. Limits to cover and sum insureds apply to NAB cardholders who are aged between 76 years and under 90 years of age at the time of your loss. Please refer to the Schedule of Benefits table on page 16. With the exception of the Accidental Death Benefit in Section 5, the Overseas Travel Insurance Plan, does not cover any loss, event, or liability which is covered under any other insurance policy, health or medical scheme, or Act of Parliament, or is payable by any other source. Where permissible by law, we will pay the difference between the amount payable under the other insurance policy; health or medical scheme; or Act of Parliament; or such other source and what you would have been eligible to claim under the Overseas Travel Insurance Plan. Excess An excess of $200 applies to each and every claim arising from the same event made under: Section 1 (except for claims under Subsection 3.6, 3.7 and 3.8); Section 2 (except for claims under Subsection 2.2 and 2.3); and Section 3. Overseas Travel Insurance Plan Exclusions If the amount of your claim is less than the amount of the applicable excess, no benefit will be paid under the policy. We will not pay for claims caused directly or indirectly out of: 1 Any pre-existing medical condition of yours, a relative or travel companion that may give rise to a claim. 2 Any health related treatment costs, including dental; medical; surgical; hospital; ambulance; and nursing home expenses incurred in Australia or in any other location where Australia s Private Health Insurance Act 2007 (or equivalent legislation) is deemed to apply. 3 Medical, surgical, hospital, ambulance, and nursing home expenses, and other costs of treatment, including dental treatment, incurred more than twenty-four (24) months after accidental injury, or illness which is the subject of the claim, first occurred. 4 Expenses for continuing treatment or any medication which commenced prior to the date you purchased the travel and for which you have been advised to continue during the overseas journey. 5 Expenses for overseas dental treatment due to normal wear and tear, or maintenance. 6 War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power

12 7 Riot or civil commotion unless prior to the riot or civil commotion, you had already departed Australia; or the Overseas Travel Insurance Plan was already activated. 8 Radioactivity, radioactivity contamination or the use, existence or escape of any nuclear fuel, nuclear material or nuclear waste. 9 The existence, release or escape of pathogenic; poisonous biological; or chemical materials. 10 Your participation in: (a) Any illegal conduct or criminal act. (b) Any professional sporting activities. (c) Parachuting, BASE jumping, sky diving or travel in any other aerial device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company. This exclusion does not apply to hot air ballooning or parasailing. (d) Racing (other than on foot). (e) Mountaineering involving use of ropes or guides, rock-climbing, abseiling. (f) Underwater activities involving use of underwater breathing apparatus (unless you hold an open water diving certificate or are diving with a qualified instructor). (g) riding a motorcycle outside Australia whether as a driver or as a passenger, except where the driver holds a valid motorcycle licence in the country you are in and the motorcycle has an engine capacity of 200cc or less; (h) riding a motorcycle in Thailand or on the island of Bali, except as a passenger in a licensed commercial motorcycle. 11 Deliberately exposing yourself to exceptional danger unless you were attempting to preserve life, your own or others. 12 Suicide, attempted suicide or intentional self-inflicted injury. 13 Your or any other person s psychological or psychiatric condition; nervous disorder; anxiety disorder; depression or stress related disorders. 14 Sexually transmitted disease of any sort, Acquired Immune Deficiency Syndrome (AIDS), or AIDS Relating Complex (AR(c), or Human Immunodeficiency Virus (HIV). 15 You operating any motor vehicle, while having a blood alcohol content over the legal limit relevant to the country that you are in and/or where you are under the influence of any drug other than a drug administered by, or in accordance with the advice of a legally qualified medical practitioner. 16 Pregnancy or childbirth, except for unexpected medical complications or emergencies provided you are less than twenty-six (26) weeks pregnant at the time. 17 You travelling against medical advice or when you know that you are unfit to travel. 18 Any life threatening condition which has been diagnosed or any condition for which you are travelling to seek medical or other treatment. 19 Confiscation or destruction by customs or any other authorities. 20 Any interference with your travel plans or restriction of access to any location, caused by a government, government regulation or official authority including but not limited to refusal of a visa or permit to you or to any relative or travelling companion. 21 The refusal, failure or inability of any person, company or organisation, (including but not limited to transportation providers, accommodation providers, car rental agencies, tour or cruise operators, travel wholesalers, travel agents, booking agents or other providers of tourism related services) to provide services, facilities or accommodation, due to their own financial default or the financial default of any person, company or organisation with whom they deal

13 22 Consequential losses (including loss of enjoyment) or financial losses not expressly covered by the Overseas Travel Insurance Plan. 23 Changing your original overseas journey because either you or your travel companion change your mind. 24 Any losses incurred by as a result of your failure to meet the Plan activation conditions. 25 The policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing the insurance. Section 1 Journey Cancellation and Amendment Costs Overseas Medical, Dental and Additional Expenses Excess An excess of $200 applies to each and every claim arising from the same event made under sub-sections 1.1 to 3.5. There is no excess for claims under sub-sections 3.6, 3.7 and 3.8. Sub-Section 1 Journey Cancellation and amendment costs 1.1 Journey Cancellation Costs We will pay the cancellation costs incurred by you for the non-refundable unused portion of travel or accommodation arrangements which you paid in advance, as a result of cancellation, alteration, curtailment, or incompletion of your overseas journey due to: (a) your unforeseen death, accidental injury or illness provided that a claim is not also paid in respect of your death; (b) the unforeseen death, accidental injury, or illness of your relative under 80 years of age or your business partner or your travelling companion; or (c) any unforeseen circumstances beyond your control other than the unforeseen death, injury or illness of a person not stated under subsection 1.1 (a) and (b). Frequent flyer points If any of your travel or accommodation arrangements were purchased using frequent flyer or a similar loyalty points programme, then, we will pay you for the frequent flyer or similar loyalty programme points lost following cancellation, alteration, curtailment or incompletion of your overseas journey

14 The Benefit payable will be calculated as follows: If the points for your travel or accommodation arrangements cannot be refunded, we will refund to you the cost of the equivalent travel or accommodation arrangements based on the quoted retail price at the time your arrangements were purchased. If only a portion of your points for your travel or accommodation arrangements can be refunded, we will refund to you the cost of the equivalent travel or accommodation arrangements based on the quoted retail price at the time your arrangements were purchased, less the value of the portion of your points refunded back to you. Conditions: (a) the loss of such points must not be recoverable from any other source; and (b) you must first request the travel provider to refund your points before you submit a claim to be paid for frequent flyer or similar loyalty programme points lost. 1.2 Journey Amendment Costs We will pay the reasonable costs of amendments to your travel schedule, if you are unable to travel on your original overseas journey due to: (a) the unforeseen death, accidental injury, or illness of your relative under 80 years of age, business partner or travelling companion. (b) any other unforeseen circumstances beyond your control provided that a claim is not also paid in respect of your death. arrangements if you are unable to travel or resume travel on your original overseas journey. The maximum Benefit payable will be the costs of the equivalent extra costs of re-scheduling your travel or accommodation arrangements based on the quoted retail price at the time your arrangements were purchased. The most we will pay you under sub-section 1.2 shall not be greater than the amount we would have paid under sub-section 1.1. There will be no claim payable under sub-section 1.2, if we have already paid you a claim under subsection Travel agents cancellation fees We will pay travel agents cancellation fees of up to $500 per person if incurred by you and proof of loss is provided to us. Sub-Section 2 Overseas Medical and Dental Expenses If as a result of you suffering an accidental injury or illness during the overseas journey, we will pay for your necessary and reasonable: (a) medical, surgical, hospital, ambulance, and nursing home expenses and the cost of other treatment, given or prescribed by a legally qualified medical practitioner, which are incurred outside of Australia; and (b) emergency overseas dental costs for the relief of sudden and acute pain incurred. Provided that these costs are not recoverable from any other source. Frequent flyer points If any of your travel or accommodation arrangements were purchased using frequent flyer or a similar loyalty points programme, then, we will pay you for the frequent flyer or similar loyalty programme points reasonably used to re-schedule your travel or accommodation 24 25

15 Sub-Section 3 Additional overseas travel expenses covered 3.1 Repatriation of remains In the event of your death, we will pay for the reasonable cost of returning your remains to your usual place of residence in Australia or if your body is buried or cremated at the City or country of your death, we will pay for the funeral or cremation costs. 3.2 Medically required extra travel and accommodation expenses We will pay for necessary and reasonable extra travel and accommodation expenses, which are incurred by you on the written advice of a legally qualified medical practitioner, as a result of you suffering an accidental injury or illness during the overseas journey. These expenses include the cost of meals over and above the amount you had already paid for less any refund you receive for the unused prepaid travel and accommodation arrangements. 3.3 Medically required travel companion As a result of you suffering an accidental injury, or illness during the overseas journey, we will pay for the necessary and reasonable extra travel and accommodation expenses (less any refunds you received for the unused prepaid travel and accommodation arrangements), which are incurred by you on the written advice of a legally qualified medical practitioner and with our written agreement, for one person to travel to, remain with, or accompany you back to your usual place of residence in Australia. 3.4 Overseas bed care patient If as a result of you suffering an accidental injury or illness during the overseas journey, we will pay $100 for each continuous twenty-four (24) hour period in which you are confined in a hospital overseas as a bed care patient. Your claim must be supported by written confirmation from the hospital of the length of your stay. This Benefit is subject to a maximum Benefit Limit of $15,000 per person. 3.5 Unexpected travel and accommodation expenses We will pay for the necessary and reasonable extra travel and accommodation expenses (including the cost of meals above the amount you had budgeted for less any refund received for the unused prepaid travel and accommodation arrangements) incurred by you due to: (a) the unexpected death, accidental injury, or illness of your relative under eighty (80) years of age, business partner or travelling companion; or (b) any other unexpected circumstances outside your control. If you do not hold a return travel ticket to Australia at the time of occurrence of the above events described in subsection 3.5, we will deduct from any claim which includes the cost of your repatriation to Australia, an amount equal to your original published one way economy class travel ticket for the route used for your return. 3.6 Travel Delay If for any reason beyond your control, your scheduled transport is delayed for six (6) hours or more and you cannot claim the expenses from any other source, we will pay for your expenses incurred up to a maximum $250 for singles and $500 for families. If the delay continues for an additional eighteen (18) hour period, we will pay for your expenses incurred up to an additional $500 for singles and an additional $1,000 for families. The most we will pay for any one continuous delay period is $750 for singles and $1,500 for families. If we have paid you this Benefit, we will not pay for any accommodation, meals or other travelling expenses under this section

16 3.7 Resumption of overseas journey. We will pay for your transport costs up to $5,000 per person, for you to return overseas to resume your overseas journey if: (a) during your overseas journey, we had to return you back to Australia, as a result of your accidental injury or illness; the unforeseeable death, accidental injury, illness of your relative under 80 years of age, business partner or travelling companion; and (b) the unforeseen death, accidental injury, or illness occurred after you booked your travel arrangements in Australia; and (c) your overseas journey has not ended and there is at least a quarter of the overseas journey remaining, or fourteen (14) days, whichever is the greater. We will only pay the cost of a one-way ticket to the location which, at the time of your return, was stated on your original itinerary, as your expected destination at the date of your return. If we had used your original return tickets to return you to Australia, we will provide you with return tickets to your usual place of residence. The most we will pay under this section is $10, Return of Rental Vehicle If you hired a rental vehicle and you are declared in writing, as unfit to drive by a legally qualified medical practitioner, we will pay the reasonable costs incurred by you up to a maximum of $250 per overseas journey to return your rental vehicle to the nearest depot. In addition to the Exclusions applying to all sections of the Overseas Travel Insurance Plan, The Benefits in Section 1 also exclude the following: 1 Where alternative travel or accommodation is paid by us, the non-refundable unused portion of travel or accommodation arrangements. 2 Any claim arising as a result of cancellation, delays or rescheduling caused by carriers; or strikes by airline staff, airline contractors or suppliers or another airline entity. 3 Cancellation or disruption to travel relating to your or your travelling companion s business or employment, including but not limited to, being unable to obtain leave of absence from that employment. This exclusion does not apply if you are retrenched from your usual full time employment in Australia. 4 Claims arising from the inability of any tour operator or wholesaler to complete arrangements for any tour due to an insufficient number of people required to commence or conduct a tour or overseas journey. Cancellation and Amendment Costs (under sub-sections 1.1 and 1.2) or Additional Overseas Travel Expenses (under sub-sections 3.4, 3.5, 3.6, 3.7 and 3.8) incurred as a result of any Terrorist Act

17 Section 2 Luggage, Personal Effects and Travel Documents An excess of $200 applies to each and every claim arising from the same event, made under sub-sections 2.1 and 2.4. There is no excess applied to claims under subsections 2.2 and 2.3. All losses or damage due to theft or vandalism must be reported to the police or authorities, or if the loss occurs in a hotel, the hotel management as soon as possible. Any loss of credit cards, debit cards, traveller s cheques and travel documents must be reported as soon as possible to the issuing authority and the appropriate cancellation measures taken. Sub-Section 2.1 Accompanied luggage and personal effects In the event of accidental loss of, theft or damage to your accompanied luggage and personal effects, we will pay for any one item, set or pair of items a maximum amount of $2,000. For laptop computers inclusive of all accessories, the maximum amount we will pay is $6,000. At our option, we may choose to replace, repair, or pay for the loss by direct debit, after making allowance for depreciation, and wear and tear. The nominated depreciation rate will apply to each year of age up to a maximum of 80% of the original purchase price of that item. Toiletries including skin care, makeup, perfume, medications Personal and or laptop computers, communication or photographic equipment, electronic equipment Clothing, footwear, personal effects, luggage and books Camping, sporting and leisure equipment (not leisure clothing) and musical instruments Depreciation Rate 50% 20% 15% 10% Items not listed above will also be subject to depreciation at our sole discretion. Sub-Section 2.2 Emergency Replacement of Luggage If your accompanying luggage checked-in on a scheduled flight is delayed, misdirected or temporarily misplaced by any airline operator for more than twelve (12) hours. For the emergency replacement of luggage items, we will pay up to $300 for singles and $600 in total for family. Your claim must be supported by written confirmation from the conveyance responsible and receipts for the replacement items you needed to purchase. Sub-Section 2.3 Loss of documents We will pay the non-recoverable cost you have incurred for the replacement of personal travel documents, credit cards, debit cards and traveller s cheques taken with you on the overseas journey. Sub-Section 2.4 Identity theft We will pay for your legal liability for payment arising out of the unauthorised use of your travel documents, credit cards, debit cards and/or traveller s cheques, if during the overseas journey they are stolen by any person who is not your relative or travelling companion. In addition to the Exclusions applying to all sections of this Overseas Travel Insurance Plan: The Benefits in Section 2 exclude the following: 1 Damage or loss caused by electrical or mechanical breakdown. 2 Any damage to fragile items. This Exclusion is not applicable to photographic or video equipment, binoculars, spectacles or contact lenses. 3 Wear and tear, deterioration, or losses caused by atmospheric or climatic conditions, mould or fungus, insects, rodents, vermin, or any process of cleaning, ironing, repairing, restoring or alteration. 4 Luggage, personal effects or travel documents which are: (a) left unattended in any public place, or (b) left in an unlocked and unattended vehicle or building, or 30 31

18 (c) shipped under any freight agreement, or items sent by postal or courier services. 5 Unaccompanied luggage, personal effects or travel documents. 6 Loss, damage to sporting equipment whilst in use. 7 Loss, damage to, or theft of any goods that are intended or used for sale or trade. 8 Losses due to devaluation or depreciation of currency. 9. Loss or theft of cash. 10. Loss, damage to, or theft of household furniture. Section 3 Personal Liability We will pay up to the sum insured limits stated in the Schedule of Benefits all damages and compensation, including legal expenses, incurred by you with our written consent which you are legally liable to pay as a result of your negligence during the overseas journey causing: bodily injury including death or illness; loss of or damage to property. You are not to admit fault or liability to any other person without our prior written consent. If you do so, we may reduce the amount payable under in respect of the claim. An excess of $200 applies to each claim arising from the same event. In addition to the Exclusions applying to all sections of this Overseas Travel Insurance Plan: The Benefits in Section 3 also exclude payment for damages, compensation or legal expenses in respect of any liability directly or indirectly caused by: 1 Bodily injury to: (a) you or any member of your family permanently residing with you. (b) any of your employees arising out of or in the course of employment. 2 Loss of or damage to property owned by, or in the control of: (a) you; or (b) any member or your family permanently residing with you; or (c) your employees arising out of or in the course of employment. 3 Loss of or damage to property or bodily injury, arising out of your: (a) ownership; or (b) use or possession of any mechanically propelled vehicle or air or waterborne craft; or (c) business, trade or profession including professional advice given by you. 4 Any contract unless such liability would have been incurred in the absence of that contract. 5 Punitive, aggravated or exemplary damages. 6 Penalties or fines. 7 Any loss covered under workers compensation legislation, an industrial award or agreement, or accident compensation legislation. 8 Any Terrorist Acts

19 Section 4 Rental vehicle damage and theft excess Waiver In the event of a loss or damage to a rental vehicle rented by you during the rental period, we will reimburse you for any excess or deductible up to a maximum Benefit limit of $5,000 per overseas journey, which you are legally liable to pay. No excess applies to claims under this Section 4. Provided that: (a) You rented the rental vehicle from a licensed rental agency; and (b) The rental vehicle hiring arrangement includes comprehensive motor insurance against loss or damage; and (c) You have satisfied all requirements of the rental vehicle s hiring agreement and the comprehensive motor insurance policy. No excess applies to claims under this Section 4 In addition to the Exclusions applying to all sections of this Overseas Travel Insurance Plan The Benefits in Section 4 also exclude the following: 1 Any loss or damage as a result of operating the rental vehicle in violation of the terms of the rental vehicle hiring agreement. 2 Wear and tear, gradual deterioration, damage from insects or vermin, inherent vice or damage. 3 Any loss or damage sustained as a result of operating the rental vehicle beyond the limits of any public roadways or on any roadways inaccessible to two-wheel drive cars. 4 Any loss or damage sustained as a result of operating a campervan, caravan or any vehicle that requires a license other than a car licence (irrespective of whether you hold such a licence). Section 5 Accidental Death and Loss of Income Sub-Section 5.1 Accidental Death Benefits We will pay the following Accidental death Benefits, if you die within twelve (12) calendar months as a result of an injury caused by an accident during your overseas journey: (a) NAB cardholder $150,000; (b) Spouse travelling with the NAB cardholder $75,000; (c) Each Dependent child $50,000 up to a maximum of $150,000 for all dependent children in any one accident. In respect to the Accidental death Benefits described in this sub-section, we will only pay NAB cardholder Accidental death Benefits once in respect of all overseas journeys purchased on a single NAB Card. All other persons, including additional cardholders, covered under this Overseas Travel Insurance Plan would only be eligible for Accidental death Benefits payable under spouse or dependent child. Sub-Section 5.2 Loss of income If as a result of an accident you are injured overseas during your overseas journey and within ninety (90) days of being injured you are unable to generate income because you cannot do your normal work when you return to Australia. We will pay your usual income, up to a maximum of $1,000 per week for as long as you are unable to perform your pre-overseas journey employment, up to a maximum Benefit period of thirteen (13) weeks from the time you return to Australia

20 In addition to the Exclusions applying to all sections of this Overseas Travel Insurance Plan: The Benefits in Section 5 also exclude the following: 1 Accidental death if covered under the NAB Card Insurance Transport Accident Insurance Plan. 2 The first four (4) weeks after you intended to resume your employment. 3 Any injury covered by workers compensation, statutory Benefits or any other insurance. 4 Inability to work as a result of sickness or disease. Section 6 Hijack and Detention If the conveyance you are travelling in is hijacked or detained we will pay $100 for each consecutive twentyfour (24) hour that you are held captive up to a maximum Benefit limit of $10,000 per person. The maximum Benefit payable under this section is $20,000 for a family. Section 7 Missed Special Event If your overseas journey is to attend a wedding, funeral, conference or sporting event which cannot be delayed due to your late arrival and the overseas journey is delayed because of something unexpected and beyond your control, we will pay the reasonable additional cost incurred by you for your use of alternative conveyance to arrive at your destination on time, up to a maximum Benefit limit of $3,250 per family or the cost of your missed special event, whichever is the lesser amount. Section 8 Kidnap and Ransom If you are kidnapped during the overseas journey, we will reimburse you up to $250,000 per person for the ransom costs paid by us on your behalf, as a result of your kidnapping, less any recoveries. If part of or all of the ransom is recovered, you agree to reimburse us the full value of the amount recovered as soon as practicable. In addition, we will pay necessary and reasonable expenses incurred by you, following receipt of a ransom. These expenses include: (a) Fees and expenses of an independent security consultant retained by you and approved by us. (b) Interest paid on monies borrowed from a financial institution for the purpose of paying ransom. The maximum amount we will pay shall be for a term not exceeding thirty (30) days prior to the payment of the ransom until the first business day after you receive settlement from us, on a principal sum not exceeding $250,000, and for a rate of interest not exceeding two percent (2%) above the contemporary overdraft interest rate charged by the NAB. (c) Any other necessary expenses incurred for the purpose of investigating, negotiating, or paying a ransom demand or costs in recovering you, but with the exception of: (i) expenses, fees or damages incurred as a result of any proceeding brought against you arising out of the kidnapping or the way it was handled; and (ii) expenses, losses or damages caused by interruption to any business subject to the Benefit Limits

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