suresave insurance product disclosure statement

8/3/2019 Suresave Insurance Product Disclosure Statement

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Combind Financial Srvics Guid

& Produc Disclosur Samn

(including Policy Wording)

Eective 1 October 2009


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Contents

Region Guide 2

Financial Services Guide 5

About this Product Disclosure Statement 7

Policy Wording 9

Summary O Benefts 9

How to Purchase a Policy 11

Schedule O Benefts 12

- International Holiday Travel

- Annual Frequent Traveller - Australia Only Travel and New Zealand

Advance Purchase

- Long Term (Budget) International Travel

12

1314

15

Additional Options 16

Pre-existing Medical Conditions 17

Important Matters 22

Words With Special Meanings 27

Policy Cover 29

General Exclusions Applicable To All Sections 48

Claims 50

Contact Details Bac Cr
http://-/?-http://-/?-http://-/?-


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Wcm

SureSave travel insurance is underwritten by certain Underwriters at Lloyds

through its Australian underwriting agency, Cerberus Special Risks Pty Limited.

SurSavs philosophy is, and has always bn,

diferentiationin a crowdd ravl insuranc mark by

providing high valu and high aur producs.

Fatrs SrSa tra srac ar:

A range o travel products or:

- International Travellers - Business Travellers- Domestic Travellers - Frequent Travellers- Visiting Non-residents - Budget Travellers

High level o cover or all destinations under our InternationalHoliday Travel(Plan A)

Various cover options available or mature travellers

Cover or cancellation costs o the insolvency o various TravelServices Providers (Plan A Holiday Travelonly)

43 Pre-existing Medical Conditions auomaically covered

Rental Vehicle Excess cover with additional cover options

Bonus days at no additional cost

New-or-old personal belongings cover under our AnnualFrequent TravellerPlan

This policy entitles you to emergency assistance provided by Specialty

Assist.

Specialty Assist are a leading global assistance provider based in

London, UK. They have been providing expert emergency support to the

international business community and travel industry or 15 years.

Specialty Assists services include 24 hour multi-lingual telephone

assistance to co-ordinate and liaise with patients, their amilies, doctors,nurses and specialists across the world. They can also help in locating the

nearest medical acilities, and oer advice and support.

No matter what the problem is, Specialty Assist will ensure you are taken

care o switly and proessionally.


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Rg Gd

You must choose the region where you are spending the majority o your trip.

Tra crs rsSelect the destination area where your cruise is spending the majority o your

trip. Travellers on domestic cruises in Australian waters may take Region 5 as

there may be circumstances where emergency medical assistance or emergency

medical cover is required.

CounTRy ReGion CounTRy ReGion

Aghanistan Region 2 Burundi Region 2

Albania Region 2 Cambodia Region 3

Algeria Region 2 Cameroon Region 2

American Samoa

(USA)Region 4 Canada Region 1

Andorra Region 2 Cape Verde Region 3

Angola Region 2 Central AricanRepublic Region 2

Antarctic Circle Region 1 Chad Region 2

Antigua & Barbuda Region 1 Chile Region 2

Arctic Circle Region 1 China Region 3

Argentina Region 1 Christmas Island Region 4

Armenia Region 2Cocos (Keeling )

IslandsRegion 4

Ashmore & Cartier

IslandsRegion 4 Colombia Region 1

Australia Domestic Comoros Region 2

Austria Region 2 Congo Region 2

Azerbaijan Region 2 Congo (Zaire) Region 2

Bahamas Region 1 Cook Islands (NZ) Region 4

Bahrain Region 2 Coral Sea Region 4

Bali Region 5 Costa Rica Region 1

Bangladesh Region 3 Cote dIvoire Region 2

Barbados Region 1 Croatia Region 2

Belarus Region 2 Cuba Region 1

Belgium Region 2 Cyprus Region 2

Belize Region 1 Czech Republic Region 2

Benin Region 2 Denmark Region 2

Bermuda Region 1 Djibouti Region 2

Bhutan Region 3 Dominica Region 1

Bolivia Region 2 Dominican Republic Region 1

Bosnia -

HerzegovinaRegion 2 East Timor Region 3

Botswana Region 2 Ecuador Region 1

Brazil Region 1 Egypt Region 2

Brunei Region 3 El Salvador Region 1

Bulgaria Region 2 Equatorial Guinea Region 2

Burkina Faso Region 2 Eritrea Region 2

Burma (Myanmar) Region 3 Estonia Region 2


Ethiopia Region 2 Laos Region 3

Fiji Region 5 Lebanon Region 1

Fnland Region 2 Lesotho Region 2

France Region 2 Liechtenstein Region 2

French Polynesia

(FR)R eg io n4 Lo rd Ho we I sl an d D om es tic / R eg io n 5

Gabon Region 2 Luxembourg Region 2

Gambia Region 2 Macedonia Region 2

Gaza Strip Region 1 Madagascar Region 2

Georgia Region 2 Malawi Region 2

Germany Region 2 Malaysia Region 3

Ghana Region 2 Maldives Region 3

Greece Region 2 Mali Region 2

Greenland Region 1 Malta Region 2

Grenada Region 1 Marshall Islands Region 4

Guam (USA) Region 4 Mauritania Region 4

Guatemala Region 1 Mauritius Region 2

Guinea Region 2 Mexico Region 1

Guinea - Bissau Region 2 Micronesia Region 3

Guyana Region 1 Moldova Region 2

Haiti Region 1 Monaco Region 2

Hawaiian Islands Region 1 Mongolia Region 3

Heard and

McDonald IslandsRegion 4 Morocco Region 2

Honduras Region 1 Mozambique Region 2

Hong Kong Region 3 Myanmar Region 3

Hungary Region 2 Namibia Region 2

Iceland Region 1 Nauru Region 4

India Region 3 Nepal Region 3

Indonesia Region 3 Netherlands Region 2

Iran Region 1 New Caledonia Region 4

Iraq Region 1 New Zealand Region 5

Ireland Region 3 Nicaragua Region 1

Israel Region 2 Niger Region 2

Italy Region 2 Nigeria Region 2

Jamaica Region 1 Niue (NZ) Region 4

Japan Region 3 Norolk Island Region 5

Jordan Region 1 North Korea Region 3

Kazakhstan Region 2 Northern Ireland Region 3

Kenya Region 2Northern Mariana

Islands (USA)Region 4

Kiribati Region 4 Norway Region 2

Kuwait Region1 Oman Region 2

Kyrgyzstan Region 2 Pakistan Region 3


Palau Region 4 Sweden Region 2

Panama Region 1 Switzerland Region 2

Papua New Guinea Region 4 Syria Region 1

Paraguay Region 1 Taiwan Region 3

Peru Region 1 Tajikistan Region 2

Philippines Region 3 Tanzania Region 2

Pitcairn (UK) Region 4 Thailand Region 3

Poland Region 2 Thursday Island Region 5

Portugal Region 2 Togo Region 2

Qatar Region 1 Tokelau (NZ) Region 4

Romania Region 2 Tonga Region 4

Russia Region 2 Trinidad & Tobago Region 1

Rwanda Region 2 Tunisia Region 2

Samoa Region 4 Turkey Region 2

Sao Tome & Principe Region 2 Turkmenistan Region 2

Saudi Arabia Region 1 Tuvalu Region 4

Scotland Region 3 Uganda Region 2

Senegal Region 2 Ukraine Region 2

Serbia &

MontenegroRegion 2

United Arab

EmiratesRegion 1

Seychelles Region 2 United Kingdom Region 3

Sierra Leone Region 2United States o

AmericaRegion 1

Singapore Region 3 Uruguay Region 1

Slovakia Region 2 Uzbekistan Region 2

Slovenia Region 2 Vanuatu Region 4

Solomon Islands Region 4 Vatican City Region 2

Somalia Region 2 Venezuela Region 1

South Arica Region 2 Vietnam Region 3

Spain Region 2 Wales Region 3

Sri Lanka Region 3 Wallis and Futuna (FR) Region 4

St. Kitts & Nevis Region 1 West Bank Region 1

St. Lucia Region 1 Western Sahara Region 2

St. Vincent & Gren-

adinesRegion 1 Yemen Region 2

Sudan Region 2 Zaire Region 2

Suriname Region 2 Zambia Region 2

Swaziland Region 2 Zimbabwe Region 2


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This guide explains the insurance services that you receive when you purchase

SureSave travel insurance through a distributor or authorised representative

o Cerberus Special Risks Pty Limited (Cerberus), the underwriting agent o the

insurer, Lloyds. It also covers the charges or those ser vices, how any complaints

you may have will be dealt with and our proessional indemnity insurance

arrangements. We give it to you when you ask us to arrange travel insurance or

you to help you decide whether to use our services.

This guide does not apply i you purchase SureSave travel insurance through an

insurance broker.

I you are interested in SureSave travel insurance, you will also receive a Product

Disclosure Statement (PDS). This describes the main eatures o the policy and

will help you decide i it is suitable or you.

Abt sCerberus is licensed to advise on and deal in general insurance. Cerberus has a

binding agreement with certain Underwriters at Lloyds which allows it to issue,

vary and renew travel insurance and to handle claims or them. Cerberus has

appointed SureSave to manage its insurance activities. See below or inormation

about how to contact Cerberus and SureSave.

A distributor or authorised representative o Cerberus will arrange travel

insurance or you. See the back o this brochure or contact inormation and

relevant details.

Srcs prddThe distributor or authorised representative can give you inormation about

SureSave travel insurance and can arrange to issue, vary or renew your insurance.

I they are an authorised representative o Cerberus, they can also provide some

general advice about SureSave travel insurance. I you need any more advice

than the distributor or authorised representative are able to provide, you can call

SureSave on 1300 787 376.

The distributor, authorised representative and SureSave all act on behal o

Cerberus and Lloyds Underwriters, and not on your behal. Cerberus is

responsible or the insurance services that are provided to you.

Hw w ar padFor providing these services, SureSave, Cerberus, and the distributor / authorised

representative each receive a percentage o the premium when you buy a

policy. Employees o Cerberus and SureSave receive an annual salary. SureSave

employees may also receive a bonus based on perormance criteria, including

sales.

You may ask each o us or more inormation about our remuneration within a

reasonable time ater you receive this FSG and beore your policy is issued.

i ha a cmpatI you have a complaint about the services provided to you, contact Cerberus,

which has an internal dispute resolution process designed to resolve any

complaints or disputes that may arise. You may call Cerberus or you may send

your claim to Cerberus in writing at the address shown over.

I you are still dissatised ater discussing your complaint with us, you should

reer the matter to Lloyds General Representative in Australia or consideration

(or contact details, please reer to the policy wording).

I your complaint is still not resolved to your satisaction, you may contact t he Financial

Ombudsman Service (FOS), which is an independent external dispute resolution

body. For more inormation or to access the FOS process, please call 1300 780 808.

Prssa dmt srac arragmtsCerberus has a proessional indemnity insurance policy which covers errors and

mistakes relating to our insurance services. The policy meets the requirements

o the Corporations Act and provides cover or claims relating to the conduct

o Cerberus or its employees, even ater that person ceases to be employed,

provided that the claim is notied to them when it arises and within the relevant

policy period.

Ctact sCerberus Special Risks Pty Ltd

ABN 81 115 932 173

AFS Licence No. 308461

Ph 1300 625 229

PO Box A975, Sydney NSW 1235

SureSave Pty Limited

ABN 82 137 885 262

Authorised Representative No. 339902

Ph 1300 787 376

Dat prpard

This FSG was prepared on 12 August 2009. Its distribution has been authorisedby Cerberus.

Prdct Dscsr Statmt

A Product Disclosure Statement (PDS) is a document required by the

Corporations Act 2001 (Cth) and contains inormation designed to help you

decide whether to buy the policy.

This PDS sets out the cover available and the terms and conditions which apply.

You need to read it careully to make sure you understand it and that it meets

your needs.

The policy wording which is attached to this PDS, together with the Cert icate o

Insurance and any written endorsements by us make up your contract with the

insurer. Please retain these documents in a sae place.

Abt th aaab crsYou can choose one o these 8 covers:

Plan A Holiday Travel (Sections 1A - 18A & 19);

Plan D Annual Frequent Traveller (Sections 1A - 2A, 3 - 17 & 18B - 20C)

Plan J Australia Only (Sections 1B, 2A, 9, 15A - 16, 18A & 19)

Plan KA Australia Only Advance Purchase Standard (Sections 1B & 2A) Plan KB Australia Only Advance Purchase Basic (Sections 1B & 2A)

Plan L Budget Inbound/Outbound Travel (Sections 1A - 2A, 4 - 7, 18A & 19)

Plan NZ1 New Zealand Only Advance Purchase Standard (Sections 1B & 2A)

Plan NZ2 New Zealand Only Advance Purchase Basic (Sections 1B & 2A)

udrstadg th pcs mprtat trms ad cdtsTo properly understand the policys signicant eatures, benets and risks you

need to careully read:

About each of the available types of cover and benets in the Summaryo Benets pages 9 and 10 and the relevant sections o the PDS applicable

to the cover you choose including any endorsements under Pre-existingMedical Conditions pages 17 to 21 and Additional Options page 16(remember certain words have special meanings see Words with SpecialMeanings pages 27 and 28);

When We Will Not Pay a claim under each section of Policy Cover(applicable to the cover you choose) pages 29 to 48 and General Exclusionsapplicable to all Sections pages 49 and 50 (this restricts the cover andbenets);

Claims pages 51 and 52 (this sets out certain obligations that you and whave. Iyou do not meet them w may be able to refuse to pay a claim); and

Important Matters pages 22 to 26 (this contains important information onyour duty o disclosure, how the duty applies to you and what happens iyou breach the duty, your cooling-o period, claims queries/lodgementsand our claims service guarantee, our privacy policy and our disputeresolution process, your policy extensions, your xcss and when youshould contact us concerning 24 hour medical assistance, ovrsas

hospitalisation or medical evacuation).


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Appg r crWhen you apply or the policy by completing our application orm, w will

conrm with you things such as the period o insurance, your premium, what

cover options and xcsss will apply, and whether any standard terms need to

be varied (this may be by way o an endorsement). These details are recorded in

the Certicate o Insurance w issue to you.

This PDS summarises the cover w are able to provide you with. You need to

decide i the benet limits, type and level o cover are appropriate or you and

will cover your potential loss. Full details o the cover are set out in the policy

wording.

Iyou have any queries or want urther inormation about the policy, please

contact SureSave.

Abt r prmmYou will be told the premium payable or the policy when you apply. It is based

on a number o actors such as your destination(s), length orip, number o

persons covered, age, Pr-xising Mdical Condiions and Additional Options.The higher the risk, the higher the premium is.

Your premium also includes amounts that take into account our obligation

to pay any relevant compulsory government charges, taxes or levies (e.g.

Stamp Duty and GST) in relation to your policy. These amounts will be set out

separately in your Certicate o Insurance as part o t he total premium.

Abt s ad th srrsThis insurance is underwritten by certain Underwriters at Lloyds.

Cerberus Special Risks Pty Limited has been authorised by the underwriters to

issue, vary and renew travel insurance on their behal and to handle claims or

them. Cerberus has appointed SureSave Pty Limited to assist it to manage its

insurance activities.

Wh d i ctact r mrgc assstac?Specialty Assist will provide any emergency assistance you need. You can

contact Specialty Assist in an emergency 24 hours a day 7 days a week on

+44 (0) 20 7902 7405 (reverse charge).

updatg th PDSW may need to update this PDS rom time to time i certain changes occur

where required and permitted by law. W will issue you with a new PDS to

update the relevant inormation except in limited cases. Where the inormation

is not something that would be materially adverse rom the point o view o a

reasonable person considering whether to buy this product, w may issue you

with notice o this inormation in other orms or keep an internal record o such

changes (you can get a paper copy ree o charge by calling us).

Dat prpardThis PDS is eective 13 August 2009.

Cerberus Special Risks Pty Ltd

ABN 81 115 932 173

AFS Licence No. 308461

Ph 1300 625 229

PO Box A975, Sydney NSW 1235

SureSave Pty Limited

ABN 82 137 885 262

Authorised Representative No. 339902

Ph 1300 787 376

Pc Wrdg - Smmar Bts

This is only a summary o the benets. Please read the Policy Cover section

carefully for the complete details of what We Will Pay and what We Will Not Pay

and which types o cover are provided under each Plan. Importantly, please note

that exclusions do apply as well as limits to cover.

MeDiCAl exPenSeS inCuRReD oveRSeAS s Sct 1A

Medical, emergency dental, hospital and ambulance costs and when agreed

by us, medical evacuation hom or to the nearest appropriate medical acility.

Includes uneral and repatriation o mort al remains.

ADDiTionAl exPenSeS (s Sct 1B)

Expenses you incur due to you not being able to continue your travel due to the

injury or illness oyou or a member oyourravlling pary. Also expenses you

incur iyour transport is delayed due to severe weather or accident.

CAnCellATion CoSTS (s Sct 2A)

Financial loss due to unoreseen cancellation o prepaid t ravel and

accommodation arrangements. Includes conerence/course ees, travel agency

cancellation ees and loss o requent yer or equivalent points.

TRAvel SeRviCeS PRoviDeR inSolvenCy (s Sct 2B)

Financial loss due to the insolvncy o a ravl srvics providr.

loSS oF inCoMe (s Sct 3)

Iyou cannot return to your usual employment when your travel is completed

due to an accidental injury suered whilst you were away.

ouT oF PoCkeT HoSPiTAl AlloWAnCe (s Sct 4)

Cash payments iyou are hospitalised.

TRAvel DelAy (s Sct 5)

Meals and accommodation expenses due to transport delay.

ReTuRn AiRFARe (s Sct 6)

I the major part oyour travel has been interrupted by you being hospitalised

and you need to be escorted hom, reimbursement oyour return airare.

ReSuMPTion oF TRiP (s Sct 7)

Transport costs to resume your travel iyou had to return to Australia due to the

hospitalisation o a rlaiv.

SPeCiAl evenTS (s Sct 8)

Iyour travel is interrupted and you will not get to a specied e vent in time,rasonabl additional cost o using alternative public transport to arrive at the

destination on time.

RenTAl veHiCle (s Sct 9)

Cover or the rnal vhicl xcss iyou have an accident or your vehicle is

stolen, including costs to return a vehicle iyou are unt to do so.

DoMeSTiC SeRviCeS (s Sct 10A)

Cover or domestic services iyou have been repatriated back to Australia.

DoMeSTiC PeTS (s Sct 10B)

Additional boarding ees iyou are delayed rom returning hom; also includes

veterinary ees iyour pet is injured whilst you are away.

TRiP DiSRuPTion (s Sct 11)

Additional transport and accommodation expenses i disaster strikes your hom

whilst you are away.

HijACkinG (s Sct 12)

Loss o prepaid travel iyou decide to end your travel ollowing a hijacking

incident.

AlTeRnATive STAFF (s Sct 13)

Iyou are travelling on business and due to injury or illness you cannotcomplete your business commitments, costs to replace you with an alternativeemployee.

WiTHDRAWAl oF SeRviCeS (s Sct 14)

Additional costs you incur i the accommodation you are staying at is aected byindustrial action or extended water and electricity supply ailures.

SnoW SkiinG CoveR (s Scts 15A t 15C)

Cover or replacement hire costs, misdirection or resort closure. Includes losso prepaid lit passes, hire expenses and tuition ees iyou cannot ski due to

suddn illnss or srious injury.

GolFinG CoveR (s Scts 15B t 15C)

Cover or loss, thet or damage o golng equipment, replacement hire costs andmisdirection. Includes loss o prepaid green ees, hire expenses and tuition ees i

you cannot play gol due to suddn illnss or srious injury.

ACCiDenTAl DeATH (s Sct 16)

Payment to your estate or accidental death.

ToTAl PeRMAnenT DiSABiliTy (s Sct 17)

Cover iyou suer injury resulting in your permanent total loss o sight in one orboth eyes or the permanent total loss o use o one or more limbs.

luGGAGe AnD PeRSonAl eFFeCTS (s Sct 18A)

Accidental loss, damage or thet oyour possessions. Includes emergency

expenses iyour luggage is delayed and losses due to raudulent use o lost orstolen credit cards, travellers cheques. Note: Exclusions apply to luggag andprsonal cs stolen rom a vehicle.

luGGAGe AnD PeRSonAl eFFeCTS neW FoR olD (s Sct 18B)

New or old cover or accidental loss, damage or thet o your possessions. Note:Exclusions apply to luggag and prsonal cs stolen rom a vehicle.

PeRSonAl liABiliTy (s Sct 19)

Protection or you being legally liable or injuring other people or causing

damage to their property, including legal deence costs.

BuSineSS CoveR (s Scts 20A t 20C)

Additional cover or your laptop, mobile phone and other business equipment.

Includes costs to hire replacement items, recreate business documents andpresentations.


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Hw t Prchas a Pc

SteP 1 Refer to Who can purchase a policy? see below

SteP 2 Refer to What are the age limits? see below

SteP 3 Refer to Pre-existing Medical Conditions (pages 17 to 21)

SteP 4 Select the geographical region where you

will be spending the majority o your trip (pages 2 to 4)

SteP 5 Choose your Plan type rom the Schedule o Benets (pages 12 to 15)

SteP 6 Choose your cover type (Single or Family) (pages 12 to 15)

SteP 7 Nominate the duration o your trip

SteP 8 Choose the Additional Options you want to include (page 16)

SteP 9 Ask your travel agent or your premium

SteP 10 Complete the attached Application Form and return

it to your travel agent (back cover)

Wh ca prchas a pc?Under Plans A, D, J, KA, KB, NZ1 and NZ2, cover is available or Citizens or

Residents o Australia only. For Plan L, cover is available irrespective oyour

citizenship or residency.

n-Astraa Rsdts trag t Astraa ad wth Astraaca b crd dr Pa lWhere the word Australiaappears in the PDS, the policy holders counry o

rsidnc is to be substituted (except in relation to the section headed Jurisdiction

and Choice o Lawpage 22).

This policy does not cover any event or occurence where providing such cover would

constitute health insurance businessas dened under the National Health Act, 1953

(Cth). Iyou require clarication contact SureSave on 1300 787 376 beore youapply.

Policies must be issued no later than 21 days ater travellers arrival in Australia.

Cover does not apply or medical expenses in yourcounry o rsidnc.

Pre-existing Medical Conditions Cover is not available on Plan L except as specied on

pages 17 to 21.

Cover extends to include iyouwork during your travel or participate in adventure

activities organised by a licensed operator.

What ar th ag mts?Age limits as at date o Certicate issue.

Plans A, J, KA, KB, NZ1 & NZ2 - Available to travellers aged under 81 years of age.

Plans D & L - Available to travellers aged under 76 years of age.

Age Loadings apply or all travellers 60 years o age and over.

Trars agd 81 ars ad rA Medical Declaration orm is required to be submitted or assessment beore a

policy can be oered. W have the absolute right to accept or decline cover, or

impose special conditions such as an xcss or reduced benets.

Bs dasW allow the ollowing bonus days (ree days) on the ollowing durations:

5 days 1 bonus day;

1 week to 13 weeks 3 bonus days;

4 months to 12 months 7 bonus days;

Schd Bts

Pc Sct & Bt Dscrpt Sm isrd

Pa A Hda Tra Sg Fam

1A*M edi cal E xpe ns es I nc ur re d O ve rs eas U nl imi te d U nli mi te d

Emergency Dental $1,000 $1,000

1B Additional Expenses/Medical Evacuation Unlimited Unlimited

2A* Cancellation Costs Unlimited Unlimited

2B* Travel Ser vices Provider Insolvency $10,000 $20,000

3* Loss o Income $10,000 $20,000

4* Out o Pocket Hospital Allowance $6,000 $12,000

5* Travel Delay $2,000 $4,000

6 Return Airare $6,000 $12,000

7* Resumption o Trip $3,000 $6,000

8 Special Events $2,000 $4,000

9Rental Vehicle Excess /Return o Rental Vehicle

$4,000$500

$4,000$500

10A Domestic Services $500 $500

10B* Domestic Pets $500 $500

11 Trip Disruption $2,000 $4,000

12 Hijacking $2,000 $4,000

13 Alternative Sta $3,000 $3,000

14* Withdrawal o Services $500 $500

15A* Snow Skiing Piste Closure $500 $1,000

15B Snow Skiing and/or Golng Benets $200 $400

15CSnow Skiing and/or Golng EquipmentReplacement

$200 $400

16 Accidental Death $25,000 $50,000

17* Total Permanent Disability $12,500 $25,000

18A* Luggage & Personal Eects $12,000 $24,000

19 Personal Liability $2,500,000 $2,500,000

*sub-limits apply (reer to Policy Cover pages 29 to 48)

PLeASe NOte: All benets and premiums reerred to in this Schedule o Benetsand throughout the PDS are in Australian Dollars (AUD).

Addta Bsss Bts optaaab Pa A

20A Business Equipment $5,000 $5,000

20B* Hire Business Equipment $1,000 $1,000

20C Recreate Business Documents $1,000 $1,000

Additional Business Benets Option is not automatically included under Plan A.

Youcan purchase this Section by paying an additional 15% on your Plan A premium

Dpst Prtct isracBy taking the appropriate ve day policy or your destination,youcan cover yoursel

now or the possibility oyour rip being cancelled (sum insured $2,000 Singl and

$4,000 Family). When youpayyour nal balance, the amount paid or the ve day

policy will be deducted rom the tot al cost oyour travel insurance or the rip.

inTeRnATionAl HoliDAy TRAvel

Pc Sct & Bt Dscrpt Sm isrd

Pa D Aa Frt Trar

1A *Medical Expenses Incurred Overseas Unlimited

Emergency Dental $1,000

1B Additional E xpenses/Medical Evacuation Unlimited

2A* Cancellation Costs Unlimited

3* Loss o Income $20,000

4* Out o Pocket Hospital Allowance $12,000

5* Travel Delay $4,0006 Return Airare $12,000

7* Resumption o Trip $6,000

8 Special Events $4,000


$4,000$500

10A Domestic Services $500

10B* Domestic Pets $500

11 Trip Disruption $4,000

12 Hijacking $4,000

13 Alternative Sta $3,000

14* Withdrawal o Services $500

15A* Snow Skiing Piste Closure $1,000

15B Snow Skiing and/or Golng Benets $400


$400

16 Accidental Death $50,000

17* Total Permanent Disability $25,000

18B*

Luggage & Personal Eects new for old

(up to the replacement value) $24,000

19 Personal Liability $2,500,000

20A Business Equipment $5,000

20B* Hire Business Equipment $1,000

20C Recreate Business Documents $1,000

Pa D Aa Frt TrarA 12 month policy or the requent traveller. Alljournys under 38 days or a

leisurejourny and 90 days or a businessjourny are automatically covered,

and your accompanying spouse/de acto partner and your dpndns as well.


PLeASe NOte: All benets and premiums reerred to in this Schedule o Benets

and throughout the PDS are in Australian Dollars (AUD).

ecssRefer to Important Matters page 26.


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14 15 16

Bt Dscrpt & Pc Sct Sm isrd

Pa j Astraa o Sg Fam

1B Ad dit io nal E xp ens es /Me di cal E vac uat io n $1 0, 00 0 $2 0, 00 0

2A* Cancellation Costs $10,000 $20,000

9Ren ta l Vehi cl e Excess / $4,000 $4,000

Return o Rental Vehicle $500 $500

15A* Snow Skiing Piste Closure $500 $1,000

15B Snow Skiing and/or Golng Benets $200 $400


$200 $400

16 Accidental Death $10,000 $20,000



Pa kA Astraa o Adac Prchas Stadard

1B Additional Expenses/Medical Evacuat ion $1, 000 $2, 000


Pa kB Astraa o Adac Prchas Basc



Pa nZ1 nw Zaad o Adac Prchas Stadard



Pa nZ2 nw Zaad o Adac Prchas Basc



AuSTRAliA only TRAvel & neW ZeAlAnD ADvAnCe PuRCHASe

Pa j Astraa o

Pas kA ad kB Astraa o Adac Prchas

Pas nZ1 ad nZ2 nw Zaad o Adac Prchas




BuDGeT inBounD/ouTBounD TRAvel

Pa l Bdgt ibd/otbd TraThis Plan is available irrespective o citizenship or residency.

Bt Dscrpt & Pc Sct Sm isrd

Pa l Bdgt ibd/otbd Tra Sg Fam

1A*Medical Expenses Incurred Unlimited Unlimited

Emergency Dental $1,000 $1,000

1B Additional Expenses/Medical Evacuation Unlimited Unlimited


4* Out o Pocket Hospital Allowance $6,000 $12,000

5* Tr ave l D elay $ 1, 00 0 $ 2, 000

6 Return Airare $3,000 $6,000

7* Resumption o Trip $3,000 $6,000



Rta vhc opt Aaab Pa l #


$2,000$500

$2,000$500

#Rental Vehicle Option is not automatically included under Plan L. This cover can be

purchased up to a maximum limit o $2,000 in $500 units. The additional premium

payable is $25 per $500 unit.



excss

Refer to Important Matters page 26.


Addta opts

icrasd lggag ad Prsa efcts CrThe item limit w will pay for any one item, pair or set (including accessories) is;

$700 under Plans A, D and J (and $4,000 where the item limit is a laptop, notebook, handheld computer, camera or video camera), or $250 under Plan L.

Under Plan D or ifyou purchased the Additional Business Benets Option, a$5,000 single item limit applies in respect o business equipment.

An increased item limit o up to $4,000 per item can be purchased or an

additional premium. The maximum limit is $10,000 or all items combined. The

additional premium payable is calculated at a rate o 4% o the amount in excess

o the standard limit*. This Additional Option is not available under Plan L.

Note: The General Exclusions o the policy apply regardless o the limit o

Increased Luggage and Personal Eects Cover purchased.

It is important that you report all losses to the police i thet is suspected or

you lose something. However all losses that occur aboard public transport or

whilst you are a guest o an accommodation provider should be reported to a

responsible ofcer where the loss occurred. Please obtain a written report romwhomever you reported your loss to. All losses must be reported within 24 hours.

*see Schedule o Benefts or standard policy limits.

Addta Bsss Bts optYou can purchase the Additional Business Benets Option (Section 20) by paying

an additional 15% on your Plan A premium.

icrasd Rta vhc ecss CrFor Plans A, D and J a $4,000 limit applies to your Rental Vehicle Excess cover.

You can purchase additional amounts in $500 units up to $4,000. The additional

premium payable is $25 per $500 unit.

For Plan L you have an option to purchase Rental Vehicle Excess cover up to

$2,000 in $500 units, at an additional premium o $25 per $500 unit.

ecssYou can remove the xcss on Plans A, D and L by paying an additional $15.


9/22

17 18 19

Pr-stg Mdca Cdts

PrgacThis section outlines the cover available or medical expenses or cancellation

costs arising rom, or related to, pregnancy. There is no need to complete a

Medical Declaration orm or the cover detailed in the table below.

In any event w will not pay medical expenses or:

regular antenatal care

childbirth at any gestation

care of the newborn child

No cover is available or your pregnancy iyour journy extends past the 26th

week or a single pregnancy or past the 19th week or a multiple pregnancy.

Frtt Tratmt otcm

Youare not yet pregnant, however, you

are undergoing ertility treatment, now,

or beore your journy commences.

No cover is available under any Plan

or this treatment or any resulting

pregnancy.

yr Prgac otcm

Youhave a single, uncomplicated

pregnancy, which did not arise rom

services or treatment associated with an

assisted reproduction program including

but not limited to in vitro ertilisation

Cover is available under all Plans or

journys ending on or beore 26

weeks gestation

Youhave a single uncomplicated

pregnancy, which arises rom services

or treatment associated with an assisted

reproduction program including but not

limited to in vitro ertilisation

Cover is available iyou pay an

additional premium under a

Pre-existing Medical Condition Plan

or journys ending on or beore 26

weeks gestation

Youhave a multiple uncomplicated

pregnancy, which does not arise rom

services or treatment associated with an

assisted reproduction program including

but not limited to in vitro ertilisation

Cover is available iyou pay an

additional premium under a

Pre-existing Medical Condition Plan

or journys ending on or beore 19

weeks gestation

Youhave a multiple pregnancy, which

arises rom services or treatment

associated with an assisted reproduction

program including but not limited to invitro ertilisation

Cover is not available under any Plan

Youhave experienced any pregnancy

complications prior to your policy being

issued

Cover is not available under any Plan

Complications are dened as Any secondary diagnosis occurring prior to,

during the course o, concurrent with, or as a result o the pregnancy, which may

adversely aect the pregnancy outcome.

YOU MUSt CHeCK GeNeRAL eXCLUSIONS APPLICABLe tO ALL SeCtIONS

PAGeS 49 AND 50 FOR OtHeR ReASONS WHY We WILL NOt PAY.

Pr-stg Mdca CdtsPlas rad his scion carully.

Travel insurance only provides cover or emergency ovrsas medical events

that are unoreseen. Medical conditions that were pre-existing at the time o

the policy being issued are not covered, unless they are a condition that w

expressly agree to cover.

Iyou have a Pr-xising Mdical Condiion that is not covered, w will not

pay any claims arising rom, related to or associated with that condition. This

means that you may have to pay or an ovrsas medical emergency, which can

be prohibitive in some countries.

What s a Pr-stg Mdca Cdt?A Pr-xising Mdical Condiion means:

a) An ongoing medical or dental condition o whichyou are aware, or relatedcomplication you have, or the symptoms o which you are aware;

b) A medical or dental condition that is currently being, or has been

investigated, or treated by a health proessional (including dentist orchiropractor) at any time in the past, prior to policy purchase;

c) Any condition or which you take prescribed medicine;

d) Any condition or which you have had surgery;

e) Any condition or which you see a medical specialist; or

) Pregnancy.

This denition applies to you, your ravlling pary or a rlaiv.

Hw d i bta cr r m Pr-stg Mdca Cdt?Iyou are aged 81 years or over, the ollowing section does not apply to you.

You must complete the 81 Years and Over Medical Declaration form; available

rom your distributor or authorised representative or online at www.suresave.

net.au. W have the absolute right to accept or decline cover, or impose special

conditions such as an xcss, additional premium or reduced benets.

Iyou have a Pr-xising Mdical Condiion and you want cover or that

condition, read the ollowing inormation. Iyou have any questions, please

contact thepre-existing medical team on 1300 619 953.

Grp 1 Pr-stg Mdca Cdts whch ar atmatcacddW will not pay any costs or expenses arising directly or indirectly rom any o

the ollowing Pr-xising Mdical Condiions, e.g. cost o medical care whileovrsas, or cost o cancellation oyour travel plans due to a change in health.

1. Any type o cancer that you have previously been diagnosed with, orsecondaries rom that cancer

2. Any condition or which surgery/treatment/procedure is planned

3. Any condition which arises rom signs or symptoms that you are currentlyaware of, but;

a) You have not yet sought a medical opinion regarding the cause; OR

b) Youare currently under investigation to dene a diagnosis; OR

c) You are awaiting specialist opinion

4. Any condition or which you have undergone surgery in the past 6 weeks

5. Any condition or which you have ever required spinal or brain surgery

6. Any condition which has caused a seizure in the past 12 months

7. Any chronic or recurring pain (including back pain) requiring regular

medication or other ongoing treatment such as physiotherapy or

chiropractic treatment

8. Any mental illness as dened by DSM-IV including;

a) Dementia, depression, anxiety, stress or other nervous condition; OR

b) Behavioural diagnoses such as autism; OR

c) A therapeutic or illicit drug or alcohol addiction

9. Any cardiovascular disease or cerebrovascular disease (see example) iyouhave:

a) Experienced angina (chest pain) within the past 6 months; OR

b) Had a stroke or a Transient Ischaemic Attack (TIA) within the past 12months; OR

c) Been diagnosed with Congestive Heart Failure

10. Any condition or which you have been given a terminal prognosis or anycondition with a lie expectancy o under 24 months

11. Any respiratory condition (see examples) or which you require home oxygentherapy or you will require oxygen or thejourny

12. Chronic Renal Failure which is treated by haemodialysis or peritoneal dialysis

13. Full-blown AIDS (not an asymptomatic HIV inection)

14. Organ t ransplantation, previous organ transplantation, or any condition orwhich you are awaiting organ transplantation

Travel insurance is available to you, however there is no provision to claim or

any o the medical conditions as listed in the above Group 1.

Grp 2 Pr-stg Mdca Cdts whch ar atmatcacrd addta prmm s paabYou are automatically covered iyour Pr-xising Mdical Condiion is

described below, provided that you have no been hospitalised (including Day

Surgery or Emergency Department attendance) or that condition in the past 24

months.

W do not require any urther inormation or a Medical Declaration orm iyourcondition is described in this list, and has not caused hospitalisation in the past24 months:

1. Acne

2. Allergies limited to Rhinitis,Chronic Sinusitis, Eczema, Food

Intolerance, Hay Fever3. Asthma providing you:

a. have no other lung disease and

b. are less than 60 years o age atthe date o policy purchase.

4. Bells palsy

5. Benign Positional Vertigo

6. Bunions

7. Carpal Tunnel Syndrome

8. Cataracts

9. Coeliac disease

10. Congenital Blindness

11. Congenital Deaness

12. Diabetes Mellitus (Type I)* providing you:

a. were diagnosed over 12 months

ago, andb. have no eye, kidney, nerve or

vascular complications, and

c. do not also suer rom aknown cardiovascular disease,hypertension, hyperlipidaemiaor hypercholesterolaemia and

d. are under 50 years o age at thedate o policy purchase.

13. Diabetes Mellitus (Type II)*

providingyou:

a. were diagnosed over 12 monthsago, and

b. have no eye, kidney, nerve orvascular complications, and


10/22

20 21 22

c. do not also suer rom aknown cardiovascular disease,

hypertension, hyperlipidaemiaor hypercholesterolaemia.

14. Dry eye syndrome

15. Epilepsy providing there hasbeen no change to yourmedication regime in the past 12months

16. Folate Deciency

17. Gastric Reux

18. Goitre

19. Glaucoma

20. Graves Disease

21. Hiatus Hernia

22. Hypercholesterolaemia (HighCholesterol) provided you

do not also suer rom a knowncardiovascular disease and/ordiabetes

23. Hyperlipidaemia (High Blood

Lipids) provided you do notalso suer rom a knowncardiovascular disease and/ordiabetes

24. Hypertension (High Blood

Pressure) provided youdo not also suer rom a knowncardiovascular disease and/ordiabetes

25. Hypothyroidism, includingHashimotos Disease

26. Impaired Glucose Tolerance

27. Incontinence

28. Insulin Resistance

29. Iron Deciency Anaemia

30. Macular Degeneration

31. Menieres Disease

32. Migraine

33. Nocturnal cramps

34. Osteopaenia

35. Osteoporosis

36. Pernicious Anaemia

37. Plantar asciitis

38. Raynauds Disease

39. Sleep apnoea

40. Solar keratosis

41. Trigeminal Neuralgia

42. Trigger nger

43. Vitamin B12 Deciency

I hospitalisation has occurred, or your condition does not meet the description

above, cover is no automatic. You are required to submit a completed Medical

Declaration orm, as explained in Group 3.

* These conditions are examples o Cardiovascular Disease. Iyou do not ensure

sufcient cover or these conditions, you will not be covered or any claims

relating to Cardiovascular Disease, as outlined below.

Grp 3 Pr-stg Mdca Cdts abt whch w drthr rmat rr appra ad a addta prmms paabIyour Pr-xising Mdical Condiiondoes not all within Group 1 or 2 and

you would like to apply or cover or your Pr-xising Mdical Condiion, w

will require you to complete a Medical Declaration orm and send it to us or

consideration. W will respond within 1 business day.

exampls o wo common Pr-xising Mdical Condiions ar s ou blow:

Cardiovascular disas:

Medical conditions involving the heart and blood vessels are collectively called

cardiovascular disease (CVD). All such conditions are interrelated. Iyou have ever

needed to see a specialist cardiologist, or been diagnosed with a orm o CVD such as

(but not limited to):

1. Aneurysms

2. Angina

3. Cardiomyopathy

4. Cerebrovascular Accident (Stroke)

5. Disturbances in heart rhythm (cardiac arrhythmias)

6. Previous heart surgery (including valve replacements, bypass surgery, stents)

7. Myocardial inarction (heart attack)

8. Transient Ischaemic Attack

and you do not purchase adequate cover or CVD, you may not be covered or any

claims relating to the heart/cardiovascular system (including heart attacks and strokes).

I any o these conditions are expressly excluded rom the policy, all CVD is excluded.

Chronic Lung Disas:

Iyou have ever been diagnosed with a chronic lung disease including (but not

limited to) Emphysema and Chronic Bronchitis, Bronchiectasis, Chronic Obstructive

Airways Disease (COAD) or Chronic Obstructive Pulmonary Disease (COPD) and

you do not purchase adequate cover or your respiratory disease, you may not be

covered or any claims relating to a new airways inection.

I a chronic lung condition is expressly excluded under your policy, all new

respiratory inections are also excluded.

Iyou have a Pr-xising Mdical Condiion and:

(i) you do not apply or cover (or you apply or cover and w do not agreeto provide cover); or

(ii) you do not pay the relevant additional premium,

w will no pay any claims arising rom or related to yourPr-xising Mdical

Condiion.

PLeASe ALSO ReAD tHe GeNeRAL eXCLUSIONS Applicabl tO ALL

SeCtIONS ON PAGe PAGeS 49 and 50 AND tHe SeCtION-SPeCIFIC

eXCLUSIONS ON PAGeS 29 tO 48.

You canno apply or covr or condiions oulind in Group 1 pags 18 and19 o your policy.

Youare only covered or claims which arise rom a Pr-xising Mdical

Condiion suered by a rlaiv that is hospitalised or dies in Australia ater

the policy is issued and at the time o the policy issue you were unaware o the

likelihood o such hospitalisation or death. The most w will pay in respect o all

claims under all the sections o the policy is $2,000 or a Singl Plan and $4,000

or a Family Plan.

W do not oer any cover at all under Plan L or any Pr-xising Mdical

Condiions except as specied in Group 2.

A Medical Declaration orm is available rom your distributor or authorised

representative or online at www.suresave.net.au. In most cases it can be

completed entirely by you.

In some cases we will also need a Doc tors Declaration to be completed by

your regular treating doctor, but this is explained in more detail in the Medical

Declaration orm.

imprtat Mattrs

Under your policy there are rights and responsibilities which you and w have.

You must read this PDS in ull or more det ails , but here are some you should be

aware o.

Cg-f prdIyou decide that you do not want this policy, you may cancel it within 14 days

ater you are issued your Certicate o Insurance and PDS, and you will be given

a ull reund o the premium you paid, provided you have not started your rip or

you do not want to make a claim or to exercise any other right under the policy.

Ater this period you can still cancel your policy but w will not reund any part

oyour premium i you do.

Crmat crTo conrm any policy transaction, (i the Certicate o Insurance does not have all

the inormation you require), call SureSave on 1300 787 376.

jrsdct ad chc aw

This policy is governed by and construed in accordance with the law o NewSouth Wales, Australia and you agree to submit to the exclusive jurisdiction

o the courts o New South Wales. You agree that it is your intention that this

Jurisdiction and Choice o Law clause applies.

yr Dt DscsrBeore you enter into this policy, the Insurance Contracts Act 1984 (Cth)

requires you to provide us with the inormation w need to enable us to decide

whether and on what terms your proposal or insurance is acceptable and to

calculate how much premium is required or your policy. You will be asked

various questions when you rst apply or your policy. When you answer these

questions, you must:

give us honest and complete answers;

tell us everything you know; and

tell us everything that a reasonable person in the circumstances could beexpected to tell us.

Iyou vary, extend, reinstate or replace your policy your duty is to tell us beore

that time, every matter known to you which:

you know; or

a reasonable person in the circumstances could be expected to know,

is relevant to our decision whether to insure you and whether any special

conditions need to apply to your policy.

You do not need to tell us about any matter that:

diminishes our risk;

is of common knowledge;

w know or should know as an insurer; or

w tell you w do not need to know.

Wh ds th dt app t?Everyone who is insured under the policy must comply with the duty odisclosure.

What happs r th brach th dt?Iyou or they do not comply with t he relevant duty, w may cancel the policy or

reduce the amount w pay iyou make a claim. I raud is involved, w may treat

the policy as i it never existed and pay nothing.


11/22

23 24 25

Gra israc Cd PractcThe Insurance Council o Australia Limited has developed the General Insurance

Code o Practice (the Code), which is a sel-regulatory code or adoption by

insurers. Cerberus proudly supports the Code and embraces its objectives o

raising the standards o practice and service in the insurance industry. You can

obtain a copy o the Code rom www.codeopractice.com.au

Dspt Rst PrcssShould you have a complaint or dispute arising out o this insurance, or our

employees, distributors, authorised representatives or service providers, please

contact Cerberus on 1300 625 229. W will respond to your complaint within

15 business days, provided w receive all necessary inormation and have

completed any investigation required. Iw need more time, w will agree on a

reasonable alternative timerame.

Iw were unable to resolve your concern through our internal dispute

resolution process, you may reer your case to Lloyds General Representative in

Australia or consideration. Iyou are still not satised with the outcome and you

purchased a policy in Australia, you may then request the matter be reviewed

by the Financial Ombudsman Service Limited (FOS): an independent body that

operates nationally in Australia and aims to resolve certain insurance disputes.

This service is ree o charge to customers. Please note that you must register

your dispute with the FOS within 3 calendar months o receiving a decision rom

our internal dispute resolution team.

Lloyds General Representative

in Australia

Suite 2, Level 21, Angel Pl, 123 Pitt St,

Sydney NSW 2000

Phone: (02) 9223 1433

Financial Ombudsman Service Ltd

GPO Box 3, Melbourne VIC 3001

Phone: 1300 780 808 ( Toll Free)

Fax: (03) 9613 6399

Email: [email protected]

Website: www.os.org.au

The Underwriters accepting this Insurance agree that:

(i) i a dispute arises under this Insurance, this Insurance will be subject toAustralian law and practice and the Underwriters will submit to the

jurisdiction of any competent Court in the Commonwealth of Australia;

(ii) any summons notice or process to be served upon the Underwriters maybe served upon:

Lloyds Underwriters General Representative in Australia

Suite 2, Level 21, Angel Place, 123 Pitt St, Sydney NSW 2000

who has authority to accept service and to appear on the Underwriters

behalf;

(iii) i a suit is instituted against any o the Underwriters, all Underwriters

participating in this Insurance will abide by the nal decision o suchCourt or any competent Appellate Court.

Cams ad ersIyou are admitted to hospital or you anticipate you will incur medical costs, you

must immediately contact Specialty Assist on the emergency assistance number.

For inormation about Specialty Assists worldwide 24 hour emergency assistance

network, see page 25.

Iyou need to make a claim, ollow the instructions below and at pages 51 and 52.

Claim orms are available:

From your distributor or authorised representative

From SureSave

For claims purposes, evidence o purchase and the value o the proper ty insured

or the amount o any loss must be kept.

Please complete the claim orm in ull (answering all questions) to allow your

claim to be processed. You must attach all supporting ORIGINAL documents,

reports, receipts, valuations, other proo o ownership and value, any amount o

any loss and any other inormation relevant to your claim to the claim orm and

send to the address shown on the claim orm.

i th t a camIMMeDIAte NOtICe should be given (see Contact Details on back cover).

Plas no: or claims purposs, vidnc o h valu o h propry

insurd or h amoun o any loss mus b kp.

Cams prcssgYour claim will be processed within 10 business days ous receiving a completed

claim orm and all necessary documentation. Iw need additional inormation,

a written request will be sent to you within 10 business days.

Please also read the Claims section of the PDS pages 51 and 52 for important

inormation.

Prac ntcTo arrange and manage your travel insurance, w (in this Privacy Notice

we, our and us includes Cerberus and its distributors and authorised

representatives, SureSave and Specialty Assist) collect personal inormation

rom you and others (including those authorised by you such as your doctors,

hospitals and persons whom w consider necessary). Any personal inormation

you provide is used by us to evaluate and arrange your travel insurance. W

also use it to administer and provide the insurance services and manage your

and our rights and obligations in relation to the insurance services, including

managing, processing and investigating claims. W may also collect, use

and disclose it or product development, marketing, research, IT systems

maintenance and development, recovery against third parties and or any other

purposes with your consent.

This personal inormation may be disclosed to (and received rom) third parties

in Australia or overseas involved in the above process, such as travel consultants,

travel insurance providers and intermediaries, distributors, reinsurers, claims

handlers and investigators, cost containment providers, medical and health

service providers, legal and other proessional advisers, your distributors and

authorised representatives and our related companies. The use and disclosure

o such personal inormation will be provided to third parties or the primary

purposes stated above. The personal inormation (but not sensitive inormation)

may also be used or a secondary purpose, but only iyou would reasonably

expect us to use that inormation or such secondary purpose.

When you give personal inormation about ot her individuals, w and our

distributors and authorised representatives rely on you to have made or make

them aware:

that you will or may provide their inormation to us;

the types of third parties to whom the information may be provided;

the relevant purposes wand the third parties will disclose it to, will use it for; and

how they can access it.

W rely on you to have obtained their consent on these matters. Iyou have not

done or will not do either o these things, you must tell us or our distributors

and authorised representatives beore you provide the relevant inormation.

You can seek access to and correct your personal inormation by contacting us.

You may not access or correct personal inormation o others unless you have

been authorised by their express consent or otherwise under law, or unless they

are yourdpndns under 16 years.

Iyou do not agree to the above or will not provide us with personal

inormation, w may not be able to provide you with our services or products or

may not be able to process your application nor issue you with a policy. In cases

where w do not agree to give you access to some personal inormation, w will

give you reasons why.

24 hr wrdwd mrgc assstacSpecialty Assist has trained medical sta to assist you with emergency medical

assistance. You must contact them immediately in the event oyou becoming ill

or having an accident.

For emergency assistance anywhere in the world at any time, Specialty Assist is

only a telephone call away. The team will help with medical problems, locating

nearest medical acilities, your evacuation hom, locating nearest embassiesand consulates as well as keeping you in touch with your amily and work in an

emergency.

Iyou are hospitalised you, or a member oyour ravlling pary, MUST contact

Specialty Assist as soon as possible.

Iyou do not w will not pay or these expenses or or any evacuation or airares

that have not been approved or arranged by us (see Section 1A and 1B).

Iyou are not hospitalised but you are being treated as an outpatient, and the

total cost o such treatment will exceed AUD $2,000, you MUST contact Specialty

Assist immediately.

IN tHe eVeNt OF AN eMeRGeNCY CALLReVeRS e CHARGe +44 (0)20 7902 7405 tO CONtACt SPeCIALtY ASSISt.

As soon as you become ill, contact Specialty Assist and hir medical assistance

team will help direct you to the appropriate hospital or heath care acility.

Subject to medical advice, you must take hir advice as to where you can be

treated to ensure you receive quality medical care. W also have the option

o returning you to Australia or evacuating you to another country, i the cost

oyour ovrsas medical expenses could exceed the cost o returning you to

Australia.

Prd crYou are not covered until w issue a Certicate o Insurance. That Certicate

orms part o the policy. The period you are insured or is set out in the

Certicate.

However:

The cover for cancellation fees and lost deposits begins from the time theCerticate o Insurance is issued.

Cover for all other Sections begins on date of departure as stated on the

Certicate o Insurance. Cover ends when you return to your hom or onthe date o return set out on your Certicate o Insurance, whicheverhappens rst.


12/22

26 27 28

etssExtensions oyour insurance policy are available unless:

You are over 81 years o age at the time o extension, or

Your Pr-xising Mdical Condiion was accepted by us in writingollowing the completion o a medical declaration, or

There has been any change in your health status, including the discovery o

new medical conditions, since the start oyour original policy, or

You are aware o a possible claim resulting rom your original policy, butyou have not advised us o it.

Extensions oyour insurance cover are available and calculated at the cu rrent

rates or the relevant Plan at the time o t he extension.

I the scheduled transport in which you are to travel is delayed, or the delay

is caused by an event that entitles you to make a claim under this policy, the

insurance is automatically extended beyond the period o the rip stated in the

Certicate o Insurance. The extension lasts until you are capable o travelling

to your nal destination, including thejourny there, or or a period o six (6)

months, whichever happens rst.

ecssPlans A & D

Wwill not pay the rst $100 or any one event under Sections 1A - 3 and 18A - 20C.

You can remove this xcss by paying an additional $15.

Nil xcss applies to Sections 4 - 17.

Plans J, KA, KB, NZ1 & NZ2

Nil xcss applies to all Sections.

Plan L

Wwill not pay the rst $100 or any one event under Sections 1A - 3 and 18A - 20C.

You can remove this xcss by paying an additional $15.

Nil xcss applies to Sections 4 - 17.

All Plans

W will not pay the rst $100 or ski or golng equipment whilst in use.

You cannot pay to remove this xcss.

I any additional xcss applies to your policy, the amount is shown in the

Certicate, Pre-Existing Medical Conditions Assessment Letter or advised to you

in writing beore the Certicate is issued to you.

Sagardg r lggag ad Prsa efctsYou must take all reasonable precautions to saeguard your luggag

and prsonal cs. Iyou leave yourluggag and prsonal cs

unsuprvisd in a public plac w will not pay your claim. (For an explanation

o what w mean by Luggage and Personal Eects, Unsupervised and Public

Place see pages 27 and 28).

Wrds wth Spca Mags

Some words in this PDS and the policy wording that have special meanings are

dened here.

Accidn means an unexpected, unintended, unoreseeable event causing

injury. The accidn must happen while you are on your rip and covered under

the policy.

AICD/ICD means an implantable cardioverter-debrillator (ICD), also known as an

automated implantable cardioverter-debrillator (AICD).

Amoun Payabl means the total amoun payabl or the policy in accordance

with the rates set out in the Schedule o Benets. It includes administration ees

payable to the agent, stamp duty, policy issue ee, GST i applicable and the

premium payable to the insurer.

Applicabl limi means the sum insured specied in the Schedule o Benets or

the Plan selected on the travel insurance policy.

Ariss or Arising means directly or indirectly arising or in any way connected with.

Carrir or Carrirs means an aircrat, vehicle, train, vessel or other public

transport operated under a license or the purposes o transporting passengers.

This denition excludes taxis.

Chronic means a persistent and lasting condition in medicine. W do notconsider that chronic pain has to be constantpain, however in many situations it

has a pattern o relapse and remission. The pain, disease or medical issue may be

long-lasting, recurrent (occurred on more than 2 occasions) or characterised by

long suering.

Counry o Rsidnc means the country o which you are a citizen or

permanent resident.

Dpndn means your children or grandchildren not in ull time employment

who are under the age o 21 and are travelling with you on thejourny.

epidmic means a sudden development and rapid spreading o a contagious

disease in a region where it developed in a simply endemic state or within a

previously unscathed community.

excss means the amount which you must rst pay or each claim arising rom

the one event beore a claim can be made under your policy.

Family means you and your travel partner named in the Certicate o Insurance

and your dpndn children/grandchildren under the age o 21, at the date o

policy issue, travelling with you, listed as covered on your Certicate o Insurance.

Hom means your usual place o residence in Australia.

Injury means a bodily injury caused solely and directly by violent, accidental,

visible and external means, during your period o cover and which does not result

rom any illness, sicknss or disease.

Insolvncy means bankruptcy, provisional liquidation, liquidation, appointment

o a receiver or administrator, entry into a scheme o arrangement, statutory

protection, stopping the payment o debts or the happening o anything o asimilar nature under the laws o any jurisdiction.

Journy means the time rom when you leave your hom to go directly to the

place you depart rom on your travels and ends when you return to your hom.

Luggag and Prsonal ecs means any personal items owned by you and that

you take with you or buy on your journy and which are designed to be worn

or carried about with you. This includes items o clothing, personal jewellery,

photographic and video equipment or personal computers, or electrical devices

or portable equipment. However, it does not mean any business samples or items

that you intend to trade.

Ovrsas means in any country other than your counry o rsidnc.

Pandmic means a orm o an pidmic that extends throughout an entire

continent, even the entire human race.

Pr-xising Mdical Condiion means:

(a) An ongoing medical or dental condition o which you are aware, or related

complicationyou have, or the symptoms o which you are aware;

(b) A medical or dental condition that is currently being, or has been

investigated, or treated by a health proessional (including dentist or

chiropractor) at any time in the past, prior to policy purchase;

(c) Any condition or which you take prescribed medicine;

(d) Any condition or which you had surgery;

(e) Any condition or which you see a medical specialist; or

() Pregnancy.

This denition applies to you, your ravlling pary or a rlaiv.

Public Plac means any place that the public has access to, including but not

limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations,

wharves, streets, museums, galleries, hotels, hotel oyers and grounds, beaches,

restaurants, private carparks, public toilets and general access areas.

Rasonabl means or medical or dental expenses, t he standard level o care

given in the country you are in or, or other expenses, the standard level you have

booked or the rest oyour journy or, as determined by us.

Rlaiv means any o the ollowing who is under 85 years o age and who

is resident in Australia or New Zealand. It means your or a member oyour

ravlling parys spouse, de acto partner, parent, parent-in-law, daughter,son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law,

grandchild, grandparent, step-parent, step-son, step-daughter, anc or ance,

or guardian.

Rnal Vhicl means a rented sedan, campervan, hatchback or station-wagon,

our wheel drive or mini bus/people mover rented rom a licensed motor vehicle

rental company.

Rsidn means someone who currently resides in Australia and is eligible or an

Australian Medicare Card.

Sickor Sicknss means a medical condition, not being an injury, which rst

occurs during your period o cover.

Singl means covering you and yourdpndn children/grandchildren under

the age o 21, at the date o policy issue travelling with you listed as covered on

your Certicate o Insurance.

Suddn Illnss or Srious Injury means a condition which rst occurs during

your period o cover and which necessitates treatment by a legally qualied

medical practitioner and which results in you or any other person to which this

Insurance applies being certied by that medical practitioner at the time as being

unt to travel or continue with your original rip.

travl Srvics Providr means a scheduled services airline, hotel and resort

operator, car rental agency, bus, cruise line and railway operator.

travlling Pary means those people dened in Family and any travelling

companion who has made arrangements to accompany you or at least 50% o

the rip.trip means the period o travel stated in the Certicate o Insurance.

It begins on the date o departure as stated in the Certicate o Insurance and

ends when you return to your normal place o residence, or when the period o

the rip set out in the Certicate o Insurance ends, whichever happens rst.

Unsuprvisd means:

leaving your luggage with a person you did not know prior to commencing

your journy

leaving it in any position where it can be taken without your knowledge

leaving it at such a distance fromyou that you are unable to prevent it

being taken.

W, Our, Us means certain Underwriters at Lloyds who will deal with you

through their agent Cerberus Special Risks Pty Limited.

You or Your means the person or people named in the Certicate o Insurance as

well as their accompanying dpndn children/grandchildren who are under 21

years o age at the date o policy issue.


13/22

29 30 31

Pc Cr

MeDiCAl exPenSeS inCuRReD oveRSeASSeCTion 1A:

This Section outlines what w will pay and what w will not pay under each

benet in the event o a claim.

You only have this cover iyou chose Plan A, D or L .

We Will PAy:

1. The rasonabl cost o emergency medical, hospital, road ambulance or

other treatment you actually and necessarily received during the ripbecause you suered a suddn illnss or srious injury. You must makean eort to keep your medical expenses to a minimum. Iw determine thatyou should return hom to Australia or treatment and you do not agree todo so then w will pay you the amount which w determine would cover

your medical expenses and/or related costs had you agreed to ourrecommendation. You will then be responsible or any ongoing oradditional costs relating to or arising out o the event you have claimed or.

However: W will only pay or treatment received and/or hospital accommodation

during the 12 month period ater the suddn illnss rst showed itsel orthe srious injury happened.

The treatment must be given or prescribed by a registered medical

practitioner or paramedic.

2. The cost o emergency dental treatment up to a maximum amount o$1,000 per person per rip or dental costs incurred which the treatingdentist certies in writing is or the relie o sudden and acute pain to sound

and natural teeth.

3. For your burial or cremation ovrsas, or the transporting oyour remainsto your counry o rsidnc. The maximum amount w will pay is $12,000

or all claims combined.

Plas no w will no pay or any coss incurrd in your Counry o

Rsidnc.

th maximum amoun w will pay or all claims combind undr his

Scion is shown undr h Schdul o Bnfs or h Plan you hav

slcd.

We Will noT PAy:

1. Ongoing payments under Section 1A (Medical Expenses Incurred Overseas)

iw decide on the advice o a doctor appointed by us that you are capableo being repatriated to Australia or, iw decide, yourcounry o rsidnci this is not Australia.

2. Iyou have received medical care under a reciprocal national health scheme.Reciprocal Health Agreements are currently in place with the ollowingcountries; Finland, Italy, Malta, the Netherlands, Norway, Sweden, theRepublic o Ireland, the United Kingdom and New Zealand.

3. I, despite our advice otherwise, you received private hospital or medicaltreatment where public unded services or care is available in Australia orunder any Reciprocal Health Agreement between the Government oAustralia and the Government o any other country. Please see

www.medicareaustralia.gov.au or ur ther inormation.

4. Medical and/or dental costs incurred in your counry o rsidnc.

5. Dental treatment involving the use o precious metals or or cosmetic dentistry.

6. For any loss arising rom Pr-xising Mdical Condiions except as

specied under the heading Pre-existing Medical Conditionson pages 17 to21.

7. When you have not notied Specialty Assist as soon as practicable oyouradmittance to hospital.

8. Iyou do not take the advice o Cerberus or Specialty Assist.

9. For any expenses or medical evacuation, uneral services or cremation orbringing your remains back to Australia unless it has been rst approved bySpecialty Assist.

10. For a loss that arises directly or indirectly because o a terminal illnesssuered by a member oyour ravlling pary - or your rlaiv, yourbusiness partner or person in the same employ as you, who is residentin your counry o rsidnc - i a terminal prognosis was made beore the

Certicate o Insurance was issued.



ADDiTionAl exPenSeS/MeDiCAl evACuATionSeCTion 1B:You have this cover iyou chose Plan A, D, J, KA, KB, NZ1, NZ2 or L.

We Will PAy:

This Section only covers you or rasonabl additional travel or accommodation

expenses that result directly rom one o the ollowing events:

1. You being unable to continue the rip because o the death, suddn illnssor srious injury o:

You or a member oyour ravlling pary; or

A rlaiv or business partner or per son in the same employ as you, who

is resident in Australia or New Zealand, provided that the suddn illnssor srious injury required hospitalisation or connement; and in the case ofa business partner or person in t he same employ, the persons absence madethe ending o the rip necessary and you have written conrmation o thatact rom a senior partner or director.

2. The need, because o a suddn illnss or srious injury, resulting in youbeing hospitalised as an in-patient, or a rlaiv or riend to travel to, remainwith, or escort you in place o the attending physician.You must have

written advice rom the attending physician and our consent.

3. Cancellation or restriction o scheduled public transport services caused bysevere weather, natural disaster, hijacking, riot, strike, or civil commotion. Theevent must have begun ater w issued the Certicate o Insurance. You must

have done everything reasonable to avoid the expenses and youmust get thecarrirs written conrmation oyour claim.

4. Motor vehicle, railway, air, or marine accident. You must have writtenconrmation o the accident rom an ofcial body in the country where the

accident happened.

5. Loss (excluding Government conscation) o passports, travel documents orcredit cards, but limited to expenses incurred within the country where theloss occurred in having the documents replaced.

6. A member oyour ravlling pary who is a ull-time student being requiredto sit supplementary examinations.

W will pay you iyou have to interrupt your rip ater it has begun, or yournecessary additional travel, accommodation, repatriation and meals thatyou undertake with our consent. Travel expenses or your return hom orevacuation, are only covered i t he attending physician advises us in writing thatas a result osuddn illnss or srious injury you are unt to continue the rip.



slcd.

th ollowing ruls apply:

1. Additional travel must be at the are class originally chosen, except wherew agree otherwise based on a written recommendation by your attendingphysician.

2. Iyou do not have a return ticket at the time o the event that causes youto return to Australia, w will deduct the cost o an economy classairare at the carrirs regular published rates or the return journy.

W will use your return ticket i this reduces our costs.

3. Benets are payable or a period up to 12 months rom the date your ripwas interrupted.



slcd.

We Will noT PAy:

1. For the cost o resuming the rip ater you have returned to Australia oryour counry o rsidnc.

2. For additional transport or accommodation expenses when a claim is made

under Section 2A Cancellation Costs, or cancelled transport oraccommodation expenses covering the same period o time.

3. A loss arising rom the ailure o any travel agent, tour operator,accommodation provider, airline or other carrir, car rental agency or any

other travel or tourism services provider to provide services oraccommodation due to their insolvncyor the insolvncyo any person,company or organisation they deal with.

4. For delays, rescheduling or cancellation o scheduled transport servicescaused by the carrir or related to the carrir including maintenance,repairs, rescheduling, service aults, industrial activity other than a strike orcorporate takeover.

5. Iyou or a member oyour ravlling pary changes plans or decides notto continue with the rip.

6. Iyou decline to promptly ollow the medical advice o Specialty Assist, wwill not be responsible or any subsequent medical, hospital or evacuation

expenses.

7. Iyou were aware o any reason, beore your period o cover commenced,that may cause your journy to be cancelled or disrupted or delayed.

8. Iyou can claim your additional travel and accommodation expenses romanyone else.

9. For any loss arising romPr-xising Mdical Condiions except asspecied under the heading Pre-existing Medical Conditions on pages 17

to 21.

10. For a loss that arises directly or indirectly because o a terminal illnesssuered by a member oyour ravlling pary - or your rlaiv, yourbusiness partner or person in the same employ as you, who is resident

in your counry o rsidnc - i a terminal prognosis was made beore theCerticate o Insurance was issued.




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32 33 34

CAnCellATion CoSTSSeCTion 2A:

You have this cover iyou chose Plan A, D, J, KA, KB, NZ1, NZ2 or L.

We Will PAy:

1. The value o the unused arrangements, less any reunds due toyou iyouhave to cancel any prepaid transport or accommodation arrangements, dueto any unoreseen or unoreseeable circumstances outside oyour control.

2. The rasonabl cost o rearranging your rip prior to the commencementoyour journy because something unoreseen and outside oyourcontrol occurs, provided that this cost is not greater than the cancellationees or lost deposits which would have been incurred had the rip been

cancelled.

3. The cancellation cost o tuition or course ees up to $2,000 i the solepurpose oyour rip is to attend that course and that course is cancelleddue to circumstances outside o your control.

4. The travel agents cancellation ees up to 10% o the amount paid to thetravel agent or $1,500 Singl Plan or $3,000 Family Plan, whichever isthe lesser; when all monies have been paid or the maximum amount of thedeposit has been paid at the time o cancellation. W will not pay any travel

agents cancellation ees above the level o commission or service eesnormally earned by the agent had the rip not been cancelled.

5. For the loss o requent yer or similar air travel pointsyou used to purchase

an airline ticket ollowing cancellation oyour air ticket and you cannotrecover the lost points rom any other source. The cancellation must be dueto unoreseen or unoreseeable circumstances outside oyour control. Wcalculate the amount w pay you by multiplying:

the cost of an equivalent class airline ticket based on the quoted retailprice at the time the ticket was issued, less your nancial contribution;

by the total value of points lost divided by the total value of points used toobtain the ticket.

th maximum amoun w will pay or all claims combind undr his Scionis shown undr h Schdul o Bnfs or h Plan you hav slcd.

We Will noT PAy:

1. A loss arising rom the ailure o any travel agent, tour operator,accommodation provider, airline or other carrir, car rental agency or any

other travel or tourism services provider to provide services oraccommodation due to their insolvncyor the insolvncy o any person,

company or organisation they deal with.

2. A loss that arises directly or indirectly rom an act or threat o terrorism.

3. For delays, rescheduling or cancellation o scheduled transport services

caused by the carrir or related to the carrir including maintenance,repairs, rescheduling, service aults, industrial activity other than a strike orcorporate takeover.

4. A loss that relates directly or indirectly to nancial, business, proessional orcontractual arrangements. This exclusion does not apply to claimsunder Section 2A where:

a) you or a member oyour ravlling pary are made redundant rom ull-

time permanent employment in Australia provided you or they were notaware that the redundancy was to occur beore you purchased this policy;

or

b) where you are a ull-time permanent employee and prearranged leave iscancelled by your employer.

5. Iyou or a member oyour ravlling pary changes plans or decides not

to continue with the rip.

6. I a tour operator or wholesaler is unable to complete arrangements or atour because there are not the required number o people to begin orcomplete a tour or t rip. This does not apply in relation to prepaid travel

arrangements bought separately to reach the departure point or the tour orother travel arrangements.

7. Iyour claim arises directly or indirectly rom an pidmic or pandmic .

8. Iyou were aware o any reason, beore your period o cover commenced,that may cause your journy to be cancelled, abandoned or shortened.

9. For a loss that arises directly or indirectly because o a terminal illnesssuered by a member o your ravlling pary - or your rlaiv, your

business partner or person in the same employ as you, who is resident inyour counry o rsidnc - i a terminal prognosis was made beore the

Certicate o Insurance was issued.10. For any loss arising rom Pr-xising Mdical Condiions except as

specied under the heading Pre-existing Medical Conditions on pages 17to 21.

YOU MUSt CHeCK GeNeRAL eXCLUSIONS APPLICABLe tO ALL SeCtIONSPAGeS 49 AND 50 FOR OtHeR ReASONS WHY We WILL NOt PAY.

TRAvel SeRviCeS PRoviDeR inSolvenCySeCTion 2B:

You only have this cover iyou chose Plan A.

We Will PAy:

W will pay due to the insolvncyo a ravl srvics providr:

1. The value o the unused arrangements, less any reunds due to you iyouhave to cancel any prepaid transport or accommodation arrangements.

2. The rasonabl cost o rearranging your rip prior to and ater the

commencement oyour journy, provided that this cost is not greater thanthe cancellation ees or lost deposits which would have been incurred hadthe rip been cancelled.


We Will noT PAy:

1. Any travel or accommodation not booked in Australia.

2. The insolvncyo any travel agent, tour wholesaler, tour operator orbooking agent.

3. The insolvncyo a ravl srvics providr i at the time the Certicate

o Insurance was issued, the ravl srvics providr was insolvent or areasonable person would have reason to expect the ravl srvicsprovidr might become insolvn .

4. Claims arising directly or indirectly rom war, acts o oreign enemies,

hostilities or warlike operations (whether war be declared or not), civil war,rebellion, insurrection, civil commotion assuming the proportions o, oramounting to, an uprising, military or usurped power.


loSS oF inCoMeSeCTion 3:

You only have this cover iyou chose Plan A or D.

We Will PAy:

Your average gross income less normal legal deductions or up to 6 months,

calculated rom the return date on the Cert icate o Insurance i, as a result

o suering an injury during the rip, you become totally unable within 30

days ater that injury to attend to your usual ull-time occupation or business

when you return to Australia. This benet is not applicable to accompanying

dpndnchildren/grandchildren. The maximum w will pay is $1,500 per

month on Plan A and $3,000 per month on Plan D.


We Will noT PAy:

For the rst 30 days oyour disablement rom the time you return to Australia.


ouT oF PoCkeT HoSPiTAl AlloWAnCe nil exCeSS APPlieSSeCTion 4:

You only have this cover iyou chose Plan A, D or L.

We Will PAy:

$50 or each day you are necessarily conned to hospital ovrsasprovided

that the period o connement exceeds 48 hours because o a suddn illnss or

srious injury that happens or rst shows itsel during the rip.



slcd.

We Will noT PAy:

1. For the rst 48 continuous hours you are in hospital.

2. Iyou cannot claim or ovrsas medical expenses in Section 1A.



TRAvel DelAy nil exCeSS APPlieSSeCTion 5:You only have this cover iyou chose Plan A, D or L.

We Will PAy:

Up to $2,000 or a Singl Plan ($4,000 or a Family Plan) (sub limit o $200 per

12 hour delay) or the cost o rasonabl additional meals and accommodation

i, or a reason outside your control, your scheduled transport rom Australia or

ovrsas is delayed or at least 6 hours, or e ach subsequent 12 hours (or part o

that time) o delay.

You must give usyour receipts, and written conrmation o the delay rom the

carrir.



15/22

35 36 37

We Will noT PAy:

1. For a loss arising rom the ailure o any travel agent, tour operator,accommodation provider, airline or other carrir, car rental agency or anyother travel or tourism services provider to provide services oraccommodation due to their insolvncyor the insolvncy o any person,

company or organisation they deal with.

2. For a loss that arises directly o