Non-Medical Plan

Non-Medical Plan

Plan Benefits

The Non-Medical Plan provides travel insurance for persons travelling internationally, including substantial cancellation & luggage cover. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home.
It is also important to note that under a Non-Medical Plan, there is no provision for you to claim under the following sections of your policy if the claim arises from, is related to or associated with any injury or sickness suffered by you:
SECTION 2.1: CANCELLATION FEES & LOST DEPOSITS
SECTION 3.1: ADDITIONAL EXPENSES

Note: The cancellation benefit is a benefit that covers you from the moment you buy your policy.

This is a summary of benefits. Please read the Product Disclosure Statement (PDS) carefully for the complete details of “What we will pay” and “What we will not pay”. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the PDS.

Section Benefit Individual
1.3* Accidental Death $25,000
1.4* Permanent Disability^ $25,000
2.1* Cancellation Fees and Lost Deposits unlimited
3.1* Additional Expenses $50,000
3.2* Travel Delay Expenses $2,000
3.3 Alternative Transport Expenses^ $5,000
4.1* Luggage and Personal Effects $10,000
4.2* Luggage and Personal Effects Delay Allowance $500
4.3 Travel Documents, Transaction Cards & Travellers Cheques^ $5,000
4.4 Theft of Cash $250
5.1* Rental Vehicle Excess $3,000
6.1 Personal Liability $2.5 million

 

* sub-limits apply - refer to YOUR POLICY COVER section of the PDS for details.

^ you do not have cover under these sections while travelling in Australia.

 

Summary of Benefits

This is only a summary of the benefits. Please read the product disclosure statement carefully for the complete details of "What We Will Pay" and "What We Will Not Pay" and which types of cover are provided under each plan.
Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the product disclosure statement.

1.3 Accidental Death

A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury

Individual Plan: $25,000

1.4 Permanent Disability

A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey

Individual Plan: $25,000

2.1 Cancellation Fees & Lost Deposits

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Collisions
  • Retrenchment
  • Natural Disasters

However, please note that under the Non-Medical Plan there is no provision for you to claim under this section of the policy if the claim arises from, is related to or associated with any injury or sickness suffered by you.

Individual Plan: Unlimited Benefit

3.1 Additional Expenses

Cover for additional accommodation and travel expenses resulting from:

  • Transport Disruption
  • Loss of Travel Documents
  • Your home being rendered uninhabitable

Also, cover for your reasonable accommodation and travel expenses for you to be with your travelling companion if they cannot continue with their journey due to:

  • Hospitalisation
  • Medical Evacuation

Please note that under the Non-Medical Plan there is no provision for you to claim under this section of the policy if the claim arises from, is related to or associated with any injury or sickness suffered by you.

Individual Plan: $50,000

3.2 Travel Delay Expenses

Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.

Individual Plan: $2,000

3.3 Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as:

  • Wedding
  • Funeral
  • Conference
  • Sporting Event
  • Pre-paid travel/tour arrangements

Individual Plan: $5,000

4.1 Luggage and Personal Effects (Additional Cover Options Available)

Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:

  • Luggage
  • Spectacles
  • Personal Effects
  • Mobile Phones
  • Personal Computers
  • Cameras

Individual Plan: $10,000

4.2 Luggage and Personal Effects Delay Expenses – Nil Excess

Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours

Individual Plan: $500

4.3 Travel Documents, Transaction Cards & Travellers Cheques

Cover to replace costs of travel documents lost or stolen from you during your journey, such as:

  • Passports
  • Debit Card, Credit Card or Travel Money Card.
  • Travel Documents
  • Travellers Cheques

Individual Plan: $5,000

4.4 Theft Of Cash - Nil Excess

Cover for the following items stolen from your person, up to $250 for all claims combined:

  • Bank Notes
  • Cash
  • Currency Notes
  • Postal Orders
  • Money Orders

Individual Plan: $250

5.1 Rental Vehicle Excess

Cover for the excess payable on a Rental Vehicle resulting from your rental vehicle being:

  • Stolen
  • Crashed
  • Damaged and/or cost of returning rental vehicle due to you being unfit

Individual Plan: $3,000

6.1 Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you

Individual Plan: $2.5 million

IMPORTANT NOTE: WHERE RELEVANT ALL LIMITS ARE INCLUSIVE OF GST