2015 INSURANCE GUIDE ALUMNI PRIVATE TRAVEL INSURANCE

Transcription

1 2015 INSURANCE GUIDE ALUMNI PRIVATE TRAVEL INSURANCE This guide is provided to University of Adelaide Alumni who wish to apply for cover under the University's Travel Insurance policy. The guide outlines the insurance available to alumni and details the process to be applied when claiming against that insurance, should there be a need Legal & Risk Division of Services & Resources

2 ALUMNI PRIVATE TRAVEL INSURANCE APPLICATION Your Details Insured Person (Authorised University member) / / Spouse / Partner / / Accompanying Dependent / / Accompanying Dependent / / Full Postal Address Phone Number Address Country or Countries visiting Travel Details Total Period of Travel From / / leave Home in Australia To / / return to Home in Australia Pre-Existing Medical Condition Do you have any condition that prevents your doctor from agreeing to your travel? If Yes, you will need to obtain and complete a medical declaration or cover may be affected This Application should be returned to Gallagher Australia Yes No Arthur J Gallagher (Aus) Pty Ltd A.B.N David Clarke or Lyn Brice PO Box 2544 Kent Town SA 5067 Telephone: Facsimile: david_clarke@ajg.com (david_clarke@ajg.com) or lyn_brice@ajg.com (lyn_brice@ajg.com) UoA_Application Form_Alumni Private Travel_2015.docx Page 1 of 1

3 Insurance Cover Summary Corporate Travel Category 2 Contact Details: Arthur J. Gallagher 155 Fullarton Road Rose Park SA 5067 Contact Brokers: David Clarke david_clarke@ajg.com

4 Insurance Cover Summary This Cover Summary is not the policy schedule. It is issued for ease of reference only by Arthur J. Gallagher. Reference should be made to the original policy issued by the insurer for full policy terms and conditions including policy exclusions or subjectives. Class of Insurance: Insurer: Policy Number: Insured: Corporate Travel Ace Insurance Limited, Adelaide 03PP and its controlled and associated entities and businesses as declared from time to time and/or subsidiary and/or related incorporated and unincorporated parties, cooperative research centres, each council member, board member, committee member, officer, employee, student appointee, trustee, servant, agent, honorary research fellow and any student, volunteer worker, visiting academic or professional, student union, clubs, societies, colleges, halls of residence, foundations, centres, institutes, alumni and including minority interest incorporated and unincorporated parties for whom the University undertakes to insure. Insured ABN / ITC: ABN (if applicable) Registered for GST Yes Input Tax Credit 100% Period of Insurance: From: 4.00 pm ACST on 31/12/2014 To: 4.00 pm ACST on 31/12/2015 Both local time at the Insured s head office and any subsequent period for which the Insured shall pay or agree to pay and the Insurer(s) shall agree to accept a premium. The Business: Consisting principally but without limiting the generality: Tertiary education and research institution and the various controlled and associated entities and businesses thereto Insured Persons: Category 2 Staff and others not otherwise categorised All persons authorised by the University to travel for and on behalf of the University and those persons not otherwise categorised All Categories and excludes spouses, partners and dependent children unless specifically declared at agreed terms Territorial Limits: Covering: A Journey: Worldwide Insured Persons for their Category Benefits insured whilst undertaking A Journey Shall include authorised business travel, study and research travel and tours and/or private travel as declared from time to time Page 2

5 Journey Definition: A Journey is as described in the Policy noting in addition that; 1. Private travel is limited to 50% of the business component or 28 days whichever is the lesser unless otherwise extended at agreed terms 2. A Journey will not exceed 180 days unless otherwise extended at terms agreed and where that Journey extends beyond the due date of this policy cover continues to the return date as declared, and 3. A Journey must be a distance greater than 100 kilometres from either the normal place of residence or the normal place of work of the Insured Person and retuning to one of those places and there be overnight accommodation but excludes daily commuting to and from the Insured Person s normal place of work; and 4. A Journey must commence during the Period of Insurance; and 5. A Journey must be authorised by the Insured; and 6. A Journey must begin in Australia unless otherwise specifically declared at agreed terms A journey commences at the time the Insured Person leaves the Insured Person s normal place of residence or normal place of work, whichever is the place of departure for the Journey, and ends at the time the Insured Person returns to the Insured Person s normal residence or normal place of work, whichever occurs first. Premium: Age Limit: The definition of Premium in the Policy document is extended to include and other premiums as declared from time to time and paid by an Insured Person No age limit but certain Section 1 benefits may be restricted in accordance with the Policy document Page 3

6 Schedule of Benefits (Summary Category 2): Policy Section Schedule of Benefits Category 1 Nominated Staff Section 1 Accidental Death & Disability Part A Capital Benefits 5x Salary up to $500,000 Parts B & C Weekly Benefits Bodily Injury & Sickness 85% of Salary up to $1,500 per week Excess Period 7 days Benefit Period 156 weeks Surgical Injury Benefit up to $20,000 Surgical Sickness Benefit up to $20,000 Part D Fractured Bones up to $3,000 Part E Loss of Teeth or Dental Procedures up to $1,000 Additional Cover: Specified Sickness - Death Benefit $25,000 Corporate Image Protection $15,000 Independent Financial Advice $7,500 Coma Benefit per day: $50 max period: 3 months Partner Retraining Benefit $15,000 Spouse/Partner Accidental Death Benefit $25,000 Dependent Child Supplement per child: $5,000 per family: $15,000 Orphaned Benefit per child: $5,000 per family: $10,000 Domestic Help Expenses for Accompanying Spouse per week: $500 max. period: 26 weeks Premature Birth / Miscarriage Benefit $5,000 Tuition or Advice Expenses per month: $750 max. period: 6 months Modification Expenses up to $10,000 Unexpired Membership Benefit up to 2,500 Chauffeur Services up to 2,500 Executor Emergency Cash Advance $25,000 Section 2 Kidnap & Extortion $500,000 Trauma Counselling per visit: $500 per person: $5,000 Section 3 Hijack & Detention $200 per day max. period: 60 days Legal Costs $50,000 Section 4 Medical, Evacuation and Additional Expenses Unlimited Additional Cover: Continuous Bed Confinement $100 per day max. period: 60 days Non-Medical Incidental Expenses per day: $50 maximum: $500 Trauma Counselling benefit $5,000 HIV / AIDS contracted through Bodily Injury $10,000 Section 5 ACE Assistance and Security Advice

7 Section 6 Loss of Deposits Unlimited Cancellation and Curtailment Expenses Unlimited Additional Cover: Frequent Flyer Points $10,000 Funeral Expenses $25,000 Pet Boarding Expenses per day: $250 maximum: $2,500 Missed Transport Connection $10,000 Overbooked Flight $2,500 Sub-Limits: Incidental Private Travel and/or Private Travel only as declared $20,000 Out of Pocket Expenses per day: $150 maximum: $1,500 Section 7 Alternative Employee / Resumption of Assignment Expenses Section 8 Baggage and Business Property $20,000 Limit $10,000 per item Electronic Equipment $10,000 Money and Travel Documents $5,000 Deprivation of Baggage $3,000 Additional Cover: Repatriation of Belongings $1,000 Home Burglary Excess Benefit $2,000 Keys and Locks $2,000 Identity Theft Extension $20,000 Section 9 Personal Liability $10,000,000 Court Attendance Benefit per day: $100 maximum: $1,000 Section 10 Rental Vehicle Excess $5,000 Personal Vehicle Excess $2,000 Additional Cover: Vehicle Hire per week: $500 maximum: $2,500 Towing Expenses $1,000 Section 11 Section 12 Extra Territorial Workers Compensation Weekly Benefits $1,000 Damages, Costs and Expenses $1,000,000 Aggregate Limit of Liability $1,000,000 Political & Natural Disaster Evacuation Evacuation Expenses $20,000 Specialist Security Services $50,000 Aggregate Limit of Liability $250,000 Section 13 Search and Rescue Expenses $20,000 Aggregate Limit of Liability $100,000

8 Sections 1 & 2 Aggregate Limit of Liability: Any one (1) Period of Insurance (A): $5,000,000 Non-Scheduled Flights (B): $2,000,000 Any one (1) event with respect to War / Civil War (C): $500,000 Any one (1) Period of Insurance with respect to War / $1,000,000 Civil War (D): Maximum Benefit payable per Insured Person subject to further sub limited amounts as stated within the policy document Currency: Policy Wording: All amounts shown are expressed in Australian Dollars, unless specified otherwise. 14PDSACEBT01 Ace Business Travel Insurance policy wording

9 Ace Assistance Travel and Medical Assistance Emergency Assistance Card Prior to departure, cut out the image of this card to keep with you at all times. 03PP Ace Assistance can help you with medical assistance, including emergency medical evacuation, repatriation and delivery of essential medicine or drugs when such medicine or drugs (or local equivalent) are not available at your location Ace Assistance also provides travel support, such as embassy referral, advice in the event of a lost passport and emergency travel services assistance If you need to incur unexpected or additional expenses in the event of an emergency, please inform Ace Assistance prior to expenditure Ace Insurance will not be responsible for any third-party expenses incurred without their authority If you need assistance or think you will need assistance, please inform Ace - Customer Care. To not do so may prejudice your right to claim assistance or reimbursement. How to use your Ace Assistance Card In the event of an emergency, when Legal & Risk cannot be reached, call Ace Assistance reverse charges on A call to the helpline incurs a charge which attaches to the claim made, but you will not be asked to cover this charge Please note that the card is for emergencies only and should not be used for minor claims such as luggage loss or care hire etc. These claims must be lodged through the Legal & Risk office In an emergency, call Ace Assistance and advise them: Deductible In the event of a claim against the policy, one of the following deductibles may be applied: For baggage claims $150 For lost or damaged electronic equipment $250 For deprivation of baggage (wait period) 8 hours o o o o o Your name Policy name Policy number Your contact number What has happened

10 red24 Travel Security Advice and Assistance ACE Insurance has partnered with red24, a crisis management assistance company, to provide policyholders and covered travellers with a range of travel security services including; Immediate access to security experts for any security or safety concerns Ground support and/or evacuation assistance in the event of civil unrest, natural disaster or a terrorist incident Concerns about identity being compromised due to a data breach Note: these services can only be accessed if registered. Please log in and register at using the University policy number 03PP Also note that there are Apple and Android apps available at the respective app stores for red24. Options for claiming against this policy 1. Contact Tom Pontt by phone ( ) or by (thomas.pontt@adelaide.edu.au) to request a claim form 2. Provide a detailed description of the events that resulted in the claim 3. Attach all supporting documentation (photographs, receipts, letters, police reports, medical certificates etc.) to the claim form. You may be asked for proof of ownership 4. Send the completed claim form and supporting documentation to the above address 5. When your claim has been finalised you will receive notification from the Insurer Thomas Pontt Insurance Officer Legal & Risk Room GO7 Mitchell Building ADELAIDE SA 5005 For more information contact Legal & Risk