Corporate Travel Insurance

About This Policy

This policy covers the people your organisation sends on business trips, within Australia and overseas, for the medical, accident, disruption, property, liability and security events set out in it. It is an annual policy: it covers every business trip that starts during the policy period, so you do not need to arrange insurance for each trip.

You, the organisation named in the schedule, are the policyholder. The people covered are the insured persons described in the Who Is Covered clause. Some benefits are paid to you, and some to the insured person or their estate, as each section states.

This policy is not workers compensation, private health insurance or life insurance, and it does not replace any of them. It cannot pay any medical expense in Australia for which a Medicare benefit is payable (see the Medicare and Health Insurance Laws provision).

This policy, together with your schedule, your proposal and declarations, and any endorsements shown in the schedule, forms your contract of insurance with us. Please read them together and tell us if anything is incorrect. Where the schedule and this wording differ, the schedule applies. Words with special meanings are listed in the Definitions section.

Version and Document History

This document is version-controlled. The version and date shown on the cover page and in the footer of each page govern this text. The version stated in your schedule as current at the start of the policy period applies for the whole policy period, unless your schedule or an endorsement states otherwise.

Important Information

Who issues this policy. The insurer, its Australian Financial Services Licence and its contact details are shown in the schedule. Where the insurer subscribes to the General Insurance Code of Practice, the schedule says so.

Who this policy is for. This wording is written for businesses and professionals. Some buyers, such as small businesses, may be retail clients under the Corporations Act 2001 (Cth). Where a buyer is a retail client, the issuer must give a Product Disclosure Statement and make a Target Market Determination available. This wording is not itself a Product Disclosure Statement.

Note for issuers. Where a buyer of this policy may be a retail client, the issuer must wrap this wording in a Product Disclosure Statement and prepare a Target Market Determination before the policy is sold to that buyer. The cover for accompanying family members, personal accident and sickness benefits makes this more likely.

Your duty when you apply. This policy is taken out by an organisation for its business, so it is not a consumer insurance contract. You have the duty of disclosure in s.21 of the Insurance Contracts Act 1984 (Cth). Before the policy is entered into, renewed, extended, varied or reinstated, you must tell us every matter you know, or that a reasonable person in your circumstances could be expected to know, that is relevant to our decision whether to insure you and on what terms. This includes the trips you expect your insured persons to take, where they will go, and what they will do there. You do not need to tell us anything that reduces the risk, that is common knowledge, that we know or should know as an insurer, or that we waive. If you do not comply, we may reduce or refuse a claim, or cancel the policy, as that Act allows.

[WP REVIEW: confirm a policy bought by a small business (fewer than 20 employees) is a retail product under s761G(5) of the Corporations Act 2001 (Cth) as travel and sickness-and-accident insurance, and whether a PDS, TMD and the s.20B duty for any consumer purchaser must be added before retail use.]

Who may claim. An insured person who is not the policyholder may claim under this policy as a third-party beneficiary, as s.48 of the Insurance Contracts Act 1984 (Cth) allows. Their claim is subject to the same terms as yours, and any defence we have against you on a claim may be raised against them only as that section permits.

Financial Claims Scheme. If the schedule shows the insurer is an APRA-authorised general insurer, an insured person may be entitled to a payment under the Financial Claims Scheme if the insurer becomes insolvent. Information is available at www.fcs.gov.au.

Schedule

(Completed separately for each policy. It contains your specific details.)

The schedule shows:

• The policyholder's name, ABN and address, and the state or territory whose law governs this policy (see the Governing Law condition)
• The policy period, with its start and end dates
• The categories of insured persons included (see the Who Is Covered clause), and the number of insured persons declared
• The declared trips: the number of return trips expected in the policy period for each destination region, and the expected trip lengths
• The maximum trip duration (default 90 consecutive days)
• The territory (default worldwide, subject to the Travel Against Government Advice exclusion and the Sanctions condition)
• The limit and excess for each section, and the sub-limits where they differ from the defaults stated in this wording
• The capital sum and weekly benefit for the personal accident section, and the accumulation limit (see the Accumulation Limit provision)
• Whether the kidnap, extortion and crisis response section applies
• The 24-hour emergency assistance telephone number
• The premium, including stamp duty and GST
• The insurer and its licence
• The endorsements that apply, by code, with their variables

Definitions

In this policy, the words below have these meanings, wherever they are used and whether or not they start with a capital letter.

Who and What Is Covered

Who Is Covered

The following people are insured persons while they are on a trip:

• your directors, officers and employees, including those you employ on a fixed-term or casual basis;
• contractors travelling on your business, if the schedule shows that contractors are included and names them or describes them by category;
• accompanying family members, if the schedule shows that they are included; and
• consultants, board advisers and guests travelling on your business at your cost, if Endorsement E08 applies.

You must tell us within 30 days if the number of insured persons increases by more than 20% above the number declared in the schedule. This obligation is subject to the Insurance Contracts Act 1984 (Cth) condition.

When They Are Covered

Cover for each insured person starts when they leave their home or usual place of work to begin a trip that starts during the policy period, and ends when they return there.

Each trip is covered for up to the maximum trip duration shown in the schedule (default 90 consecutive days). We may agree in writing to cover a longer trip, or Endorsement E06 may apply. If a trip ends after the policy period, cover continues until the trip ends, subject to the maximum trip duration.

If the insured person's return is delayed by an event covered by this policy, or by the delay of scheduled transport, cover continues until they can reasonably return, for up to 30 days.

Leisure travel by an insured person immediately before or after a business trip is part of the trip for up to the number of days shown in the schedule (default 7 days for each trip, unless Endorsement E02 applies), provided the leisure part is no longer than the business part.

Cover applies anywhere in the territory shown in the schedule, subject to the Travel Against Government Advice exclusion and the Sanctions condition. For a trip within Australia, the medical expenses benefit in the Medical and Evacuation Expenses clause does not apply to a Medicare-eligible insured person.

Medical and Evacuation

Medical and Evacuation Expenses

If an insured person suffers an injury or sickness during a trip, we will pay the reasonable costs, incurred within 12 months of the injury or the sickness first showing itself, of:

• medical, surgical, hospital, nursing, ambulance and prescribed medication expenses outside Australia and, for an insured person who is not Medicare-eligible, in Australia;
• emergency dental treatment to relieve sudden pain, up to the sub-limit shown in the schedule (default $5,000 for each insured person);
• emergency transport to the nearest hospital able to give appropriate treatment, and repatriation to their home when it is medically necessary, as decided below, including a medical escort;
• economy class travel and reasonable accommodation for one member of their immediate family to travel to be with them if they are hospitalised for more than 3 days or are dangerously ill, up to the sub-limit shown in the schedule (default $25,000); and
• if the insured person dies during a trip, the return of their remains to their home, or a funeral or cremation where they died.

The most we will pay under this section for each insured person for each trip is the limit shown in the schedule. Unless the schedule shows otherwise, it is $5,000,000. The most we will pay under this section for all insured persons together for one event is the event limit shown in the schedule. Unless the schedule shows otherwise, it is $20,000,000. If the claims for one event are more than the event limit, we reduce each insured person's payment in the same proportion. We pay only reasonable costs.

We must approve medical expenses of more than $1,000, and every evacuation or repatriation, before they are incurred, except in a life-threatening emergency when the insured person or someone with them must contact the emergency assistance service as soon as practicable afterwards. If prior approval was not obtained, the Insurance Contracts Act 1984 (Cth) condition applies and we may reduce our payment only by the extra cost that approval would have avoided.

Whether and when evacuation or repatriation is medically necessary, and the method of transport, is decided by the treating medical practitioner together with our emergency assistance service. If they do not agree, we will arrange an opinion from an independent medical practitioner at our cost. Where an insured person refuses a repatriation that they recommend as medically necessary, we may reduce what we pay for further medical expenses by the amount that fairly represents the extent to which our interests were prejudiced by the refusal.

For an insured person whose home is outside Australia, medical expenses incurred in the country of their home are not covered. If such a person is returned to their home country instead of to Australia, ongoing medical expenses there are covered up to the sub-limit shown in the schedule (default $50,000).

Personal Accident

Personal Accident Benefits

If an insured person suffers an injury during a trip, and within 12 months of the accident the injury results in one of the events in this table, we will pay the percentage of the capital sum shown in the schedule against that event. An event that must be permanent only needs to have started within those 12 months. We assess whether it is permanent once 12 months have passed since the accident, and may do so after the 12 months have ended.

Loss of use of a limb includes loss of the hand or foot, and loss of a limb, hand or digit includes its physical separation.

[WP REVIEW: confirm the Fifth Edition of the American Medical Association Guides to the Evaluation of Permanent Impairment is the right default edition, and that Event 16 may rely on it by reference.]

For an accompanying family member, the capital sum is 25% of the capital sum shown in the schedule, and for a dependent child it is the lower of that amount and the sub-limit shown in the schedule (default $25,000).

If an insured person suffers temporary total disablement because of an injury during a trip, we will pay the weekly benefit shown in the schedule (default $2,000) for each week of the disablement after the first 14 days, for up to the number of weeks shown in the schedule (default 104 weeks). The weekly benefit is limited to 85% of the insured person's average weekly income from personal exertion in the 12 months before the injury, and is reduced by any workers compensation, transport accident compensation or other statutory income replacement payment they receive for the same disablement. We do not reduce it because of a payment under any personal accident, sickness or income protection insurance policy: the Other Insurance provision explains how this policy and those policies fit together. Weekly benefits do not apply to accompanying family members. Weekly benefits are paid to the insured person, or to you if you continue to pay their salary and they agree.

[WP REVIEW: confirm a 25% capital sum for accompanying family members, and the dependent child sub-limit, sit within the Insurance Contracts Act standard cover regime for sickness and accident contracts, or whether a s35(2) notice is needed for them.]

If the insured person disappears and cannot be found within 12 months after the disappearance of the conveyance in which they were travelling, we will treat them as having died from an injury, provided the person entitled to the benefit agrees to repay it if the insured person is later found alive.

Travel Disruption

Cancellation, Curtailment and Delay

We will pay, up to the limit shown in the schedule for each insured person (default $25,000), for the following losses caused by an insured disruption event:

• cancellation: non-refundable travel and accommodation costs paid or contracted before a trip is cancelled;
• curtailment: reasonable additional travel and accommodation costs to return the insured person to their home early, and the unused part of prepaid costs that cannot be refunded;
• replacement traveller: reasonable economy class travel and accommodation costs for one person to replace an insured person who cannot continue a trip, so the business purpose of the trip can be completed, up to the sub-limit shown in the schedule (default $10,000 for each event);
• delay: reasonable meals, accommodation and essential items if the insured person's scheduled transport is delayed for 12 hours or more, up to the sub-limit shown in the schedule (default $250 for each full 12 hours, and $2,500 for each trip);
• missed connection: reasonable additional travel and accommodation costs if the insured person misses a connecting flight because the earlier scheduled flight arrived late, up to the sub-limit shown in the schedule (default $2,500 for each insured person); and
• detention or hijack: a daily allowance of the amount shown in the schedule (default $500 for each full day, and $10,000 for each trip) while the insured person is held by a hijacker, or detained by a government authority for a reason that is not their own act or omission.

An insured disruption event is:

• the death, serious injury or serious sickness of the insured person, their travelling companion, or a member of their immediate family, certified by a medical practitioner;
• a natural disaster, fire, flood, riot, strike or civil commotion at the destination, or DFAT advice for the destination being raised to "do not travel" after the trip was booked;
• the insured person's home or usual place of work in Australia being made uninhabitable or unusable by fire, flood or storm;
• the insured person being summoned for jury service or subpoenaed as a witness; or
• the cancellation, delay or diversion of scheduled transport for a reason outside the insured person's control.

Where DFAT advice is raised to "do not travel" after the trip was booked and before it began, we pay for cancellation if the insured person cancels the trip because of the advice. If the insured person travels anyway, the Travel Against Government Advice exclusion applies.

We do not pay under this section for a loss caused by:

• your business decisions, including a meeting, contract or event being moved or cancelled, or a change in your plans;
• the insured person deciding not to travel or to come home, other than because of an insured disruption event;
• a known event;
• an amount that is refundable, or for which compensation is payable, by a carrier, travel agent or accommodation provider; or
• an epidemic or pandemic, unless Endorsement E04 applies.

Luggage and Personal Effects

Luggage, Business Equipment and Documents

If an insured person's luggage and personal effects are lost, stolen or accidentally damaged during a trip, we will pay, at our option, the cost of repair, replacement with an item of similar quality, or the value of the item at the time of loss after an allowance for wear and depreciation. The limits for each insured person are shown in the schedule (defaults: $15,000 in total, $5,000 for any one item or set, and $10,000 for business equipment).

We will also pay, for each insured person:

• the cost of essential replacement clothing and toiletries if their luggage is delayed for more than 12 hours on an outward journey, up to the sub-limit shown in the schedule (default $1,500), which we deduct from any later claim for the loss of that luggage;
• the cost of replacing passports, visas and travel tickets lost or stolen during a trip, including reasonable travel costs to obtain them, up to the sub-limit shown in the schedule (default $5,000); and
• the cost of replacing or recreating your business documents lost or stolen during a trip, up to the sub-limit shown in the schedule (default $5,000).

A pair or set of items is treated as one item. Where only part of a pair or set is lost or damaged, we pay for that part only, unless it cannot be replaced or repaired to match.

We do not pay for:

• wear and tear, gradual deterioration, scratching, mechanical or electrical breakdown, or damage by insects or vermin;
• an item left unattended in a public place or in a vehicle, or theft from an unlocked vehicle or unlocked accommodation;
• valuables, cameras or business equipment checked in as luggage, unless they could not lawfully be carried in the cabin;
• money (see the Money and Business Expenses clause), or sporting equipment while in use, unless Endorsement E03 applies;
• an item confiscated or detained by customs or another government authority; or
• an amount the carrier or accommodation provider pays or is liable to pay.

Business Expenses

Money and Business Expenses

We will pay, for each insured person and up to the sub-limits shown in the schedule:

• money: the loss of money by theft or accidental loss during a trip, including fraudulent use of a corporate card after its theft, less any amount the card issuer bears (default $5,000);
• emergency business purchases: essential items bought to complete the business purpose of a trip after the loss of luggage or business equipment covered by the Luggage, Business Equipment and Documents clause (default $5,000);
• event fees: non-refundable conference, exhibition or event registration fees if the insured person cannot attend because of an insured disruption event under the Cancellation, Curtailment and Delay clause (default $10,000); and
• communication costs: additional telephone and data charges incurred because of an event covered by this policy (default $1,000).

We do not pay for money that is not reported to the police within 24 hours of the loss being discovered, subject to the Insurance Contracts Act 1984 (Cth) condition, or for a shortage caused by error or a change in exchange rates.

Personal Liability

Personal Liability

If, during a trip, an insured person becomes legally liable to pay compensation for bodily injury to another person, or loss of or damage to another person's property, caused by an accident, we will pay that compensation and the reasonable legal costs we approve to defend the claim. The most we will pay for all claims arising from one event, including legal costs, is the limit shown in the schedule (default $2,500,000).

The insured person must not admit liability, or offer or agree to pay anything, without our written consent. We may take over the defence and settlement of the claim in the insured person's name. This obligation is subject to the Insurance Contracts Act 1984 (Cth) condition.

We do not pay for liability:

• arising from your business, profession or employment, the work the insured person does on the trip, or the products or advice you supply (these are for your public, products and professional liability policies);
• for injury to you, to the insured person's immediate family or travelling companions, or to anyone employed by you;
• for property owned by, or in the care or control of, you, the insured person, their immediate family or their travelling companions, other than temporary accommodation they occupy;
• arising from owning or using a motor vehicle, aircraft or watercraft (other than a non-motorised watercraft under 6 metres), or a firearm;
• assumed under a contract, unless it would have existed without the contract;
• for fines, penalties, or punitive, exemplary or aggravated damages; or
• arising from a deliberate or reckless act of the insured person.

Kidnap, Extortion and Crisis Response

Kidnap, Extortion and Crisis Response

This clause applies only if the schedule shows that kidnap, extortion and crisis response cover applies. The security evacuation and terrorism response benefits are in the Security Evacuation clause and the Terrorism Response clause, and apply whether or not this clause applies.

If, during a trip, an insured person is the subject of a kidnap, an extortion or an unlawful detention, we will pay, up to the limit shown in the schedule for each event (default $250,000), for all of the following together: - the fees and expenses of the crisis response consultant we appoint; - a ransom or extortion payment made with our prior written consent, where paying it is lawful, including the loss of that payment in transit; - the insured person's salary for the period of the kidnap, extortion or detention, and reasonable travel, accommodation and medical costs on their release; and - counselling for the insured person and their immediate family, up to the sub-limit shown in the schedule (default $25,000 for each insured person).

You must keep this clause, and the fact that you hold it, confidential, unless disclosure is required by law or to us. If this obligation is breached, the Insurance Contracts Act 1984 (Cth) condition applies.

We do not pay: - for a kidnap, extortion or unlawful detention in a country that had a DFAT advice of "do not travel" when the trip began, unless we agreed in writing to cover the trip; - for a payment to a person or body that is a listed terrorist organisation, or that would be an offence under the Criminal Code Act 1995 (Cth) or would breach the Sanctions condition; or - for a kidnap, extortion or unlawful detention planned or carried out with the involvement of you, an insured person, or a member of their immediate family.

[WP REVIEW: confirm the lawful-payment limitation is sufficient for ransom reimbursement in light of the Criminal Code Act 1995 (Cth) terrorism financing offences and the Autonomous Sanctions Act 2011 (Cth), and whether the confidentiality obligation should be framed as a condition rather than an obligation.]

Security Evacuation

If, during a trip, DFAT advice for the country or region where an insured person is is raised to "do not travel", or civil unrest, war, a natural disaster or terrorism makes it reasonably necessary to leave, we will pay the reasonable costs of moving the insured person to the nearest safe place or to their home, up to the sub-limit shown in the schedule (default $50,000 for each insured person).

This benefit applies whether or not the schedule shows that kidnap, extortion and crisis response cover applies. The War exclusion does not apply to this benefit.

Terrorism Response

We will pay the emergency medical and evacuation costs of an insured person injured in an act of terrorism at or near their location during a trip, up to the sub-limit shown in the schedule (default $250,000 for each event).

This benefit applies whether or not the schedule shows that kidnap, extortion and crisis response cover applies. The War exclusion does not apply to this benefit.

Rental Vehicle Excess

Rental Vehicle Excess

If a rental vehicle hired by an insured person for a business trip is damaged or stolen while they are in charge of it, we will pay the excess or damage liability they must pay under the rental agreement, up to the limit shown in the schedule for each rental agreement (default $5,000).

The insured person must have taken the rental company's standard comprehensive motor insurance, and must have driven in accordance with the rental agreement and while licensed. We do not pay for damage caused while the vehicle is driven on an unsealed road, other than a road to an accommodation provider or public attraction, or while the driver is affected by alcohol or drugs.

How We Pay

Limits and Excess

The most we will pay for each section is the limit shown in the schedule, and each sub-limit is part of, and not in addition to, the limit of the section in which it appears, unless this wording says otherwise. Where a limit is expressed for each insured person, it applies separately to each insured person. Unless the schedule shows that a limit applies for the whole policy period, a limit for each insured person applies for each trip.

We deduct the excess shown in the schedule for the section from each claim. Where one event gives rise to claims under more than one section for the same insured person, only the highest of the excesses applies. No excess applies to the medical and evacuation section, the personal accident section or the kidnap, extortion and crisis response section unless the schedule shows one.

One Benefit for One Loss

We will not pay the same loss more than once, even if it falls within more than one section. Where the same amount could be claimed under two sections, we pay it under the section that gives the insured person the greater benefit.

Only one personal accident capital benefit is payable for injuries from one accident, being the highest that applies. Any weekly benefit paid for the same injury is not deducted from a capital benefit.

Accumulation Limit

The most we will pay in personal accident capital benefits for all insured persons injured in one accident, or in a series of accidents arising from one event, is the accumulation limit shown in the schedule (default $5,000,000). If the total of the benefits would be more, we reduce the benefit for each insured person in proportion.

Medicare and Health Insurance Laws

The Health Insurance Act 1973 (Cth), the National Health Act 1953 (Cth) and the Private Health Insurance Act 2007 (Cth) do not allow us to pay:

• any medical expense for which a Medicare benefit is payable, or any gap between the Medicare benefit and the fee charged; or
• any amount that would make this policy health insurance business under those Acts.

We will not pay any benefit, or part of a benefit, to the extent that paying it would breach those Acts. Emergency transport within Australia that is not a Medicare benefit, and the other benefits of this policy, are not affected.

Other Insurance

If a loss covered by this policy is also covered by another insurance policy, we will not refuse or reduce our payment because of that other insurance. We may seek contribution from the other insurer as the law allows. This applies to every section of this policy, including the medical and evacuation, personal accident and kidnap, extortion and crisis response sections. This does not apply where the schedule or an endorsement states that this policy is excess of a specified underlying policy, in which case this policy pays only after the limit of that specified policy is exhausted.

Personal accident and sickness policies. This policy pays first for an injury or sickness that happens on a trip covered by this policy. We do not reduce any benefit because of a personal accident or sickness policy, including a group personal accident and sickness policy issued to you. If the schedule of such a policy names this policy as a specified underlying policy, that policy pays its weekly benefits and additional benefits only after this policy has paid, and both policies pay their capital benefits in full.

You or the insured person must tell us about any other insurance that may cover the loss when you make a claim.

Recovery

After we pay a claim for an indemnity loss, we may recover the amount from anyone responsible for it, in your name or the insured person's name. You and the insured person must give us reasonable help to do this. We will not recover from an insured person, or from you, except where they acted fraudulently.

Who We Pay

We pay the personal accident capital benefits to the insured person, or if they have died, to their estate. We pay other benefits to whoever incurred the cost, whether you or the insured person, or directly to the provider of the service. Payment to any of them discharges our liability for that amount. All amounts are paid in Australian dollars, at the exchange rate on the date the cost was incurred.

What Is Not Covered

These exclusions apply to every section, in addition to the exclusions in each section.

Pre-existing Conditions

We do not pay any claim under the medical and evacuation, personal accident or travel disruption sections arising from a pre-existing condition of the insured person, unless we have accepted it in writing or Endorsement E01 applies to it.

This exclusion is subject to s.47 of the Insurance Contracts Act 1984 (Cth): we will not rely on it for a condition the insured person was not aware of, and that a reasonable person in their circumstances could not have been expected to be aware of, when the trip started.

Travel Against Government Advice

We do not pay any claim arising in a country or region for which DFAT advice was "do not travel" when the trip, or that part of it, began, unless we agreed in writing before the trip began to cover it.

This exclusion does not apply to: - a claim for cancellation under the Cancellation, Curtailment and Delay clause where the advice was raised after the trip was booked and before the trip, or that part of it, began, and the insured person cancelled because of it; or - the benefit in the Security Evacuation clause for an insured person who was already there when the advice was raised.

War

We do not pay any claim caused by war, invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution or insurrection, except as the Security Evacuation clause and the Terrorism Response clause provide. This exclusion does not apply to an insured person who is injured in an act of terrorism they took no part in, or to an insured person in a country when war unexpectedly breaks out there, for 14 days after it breaks out.

Nuclear, Biological and Chemical

We do not pay any claim caused by ionising radiation or contamination by radioactivity from any nuclear fuel, nuclear waste or nuclear weapon, or by the use of a biological or chemical weapon, except as the Terrorism Response clause provides, up to its sub-limit.

Epidemic or Pandemic

We do not pay any claim under the travel disruption or business expenses sections caused by an epidemic or pandemic, or by government action taken because of one, unless Endorsement E04 applies. This exclusion does not stop us paying medical, evacuation or repatriation expenses for an insured person who contracts the disease during a trip.

Known Events

We do not pay any claim caused by a known event, except under the medical and evacuation and personal accident sections.

Self-Injury and Intoxication

We do not pay any claim caused by the insured person's intentional self-injury, or by their being under the influence of alcohol or a drug, unless the drug was taken as prescribed by a medical practitioner.

[WP REVIEW: confirm the self-injury exclusion as drafted is consistent with the Disability Discrimination Act 1992 (Cth) for injury resulting from a mental illness.]

Illegal Acts

We do not pay any claim caused by the insured person's illegal act, or by their being arrested or detained because of their own illegal act.

Hazardous Activities

We do not pay any claim caused by the insured person taking part in professional sport, motor racing, mountaineering or rock climbing using ropes or guides, skydiving, hang-gliding, paragliding, base jumping, bungee jumping, scuba diving deeper than 30 metres or without a qualified instructor or certification, off-piste snow sports, or flying other than as a fare-paying passenger on a scheduled or licensed charter aircraft, unless Endorsement E03 applies.

Manual Work

We do not pay any claim under the medical and evacuation or personal accident sections caused by the insured person doing manual work on a construction, mining, oil or gas, or engineering site, or working underground or offshore, unless Endorsement E05 applies. Supervising, inspecting or visiting such a site is not manual work.

Pregnancy

We do not pay medical expenses for normal pregnancy or childbirth, or for any pregnancy-related condition after the 26th week of pregnancy, unless the condition is a complication a medical practitioner certifies as unforeseen.

[WP REVIEW: confirm the 26-week threshold is consistent with the Sex Discrimination Act 1984 (Cth) and its exemption for insurance based on actuarial or statistical data.]

Elective and Deferrable Treatment

We do not pay for treatment the insured person travelled to obtain, cosmetic or elective treatment, or treatment that a medical practitioner certifies could reasonably be delayed until they return home.

Your Obligations

Emergencies

In a medical emergency, kidnap, extortion or security event, the insured person or someone with them must contact the 24-hour emergency assistance service on the number shown in the schedule as soon as practicable. In a life-threatening emergency, they should first call local emergency services. These obligations are subject to the Insurance Contracts Act 1984 (Cth) condition.

Making a Claim

You or the insured person must tell us as soon as reasonably practicable about any event that may lead to a claim, and give us the information and documents we reasonably need to assess it, including original receipts, medical reports, carrier reports and, for theft or loss of property or money, a police report obtained within 24 hours of discovering the loss or as soon as practicable after that.

You and the insured person must take reasonable steps to prevent or reduce loss, and must not dispose of damaged property until we have had a chance to inspect it. These obligations are subject to the Insurance Contracts Act 1984 (Cth) condition.

Declarations and Adjustment

The premium is based on the trips you declared for the policy period. Within 60 days after the end of the policy period, you must tell us, if we ask, the number of return trips your insured persons took to each destination region. If the actual number is more than the declared number by more than the tolerance shown in the schedule (default 25%), we will charge, and you must pay, additional premium for the excess trips at the rates used to calculate the premium. We will not reduce the premium if the actual number is lower.

Failure to give a declaration does not affect a claim, subject to the Insurance Contracts Act 1984 (Cth) condition.

General Conditions

Insurance Contracts Act 1984 (Cth)

Nothing in this policy excludes, restricts or modifies the operation of the Insurance Contracts Act 1984 (Cth). Where this policy is inconsistent with the Act, the Act prevails.

If this policy would otherwise let us refuse to pay a claim, in whole or in part, because of something you or an insured person did or did not do after this policy was entered into, section 54 of the Act applies. We may not refuse to pay the claim only because of that act or omission. Our liability is reduced by the amount that fairly represents the extent to which our interests were prejudiced. Where the act or omission could reasonably be regarded as capable of causing or contributing to the loss, we may refuse to pay only the part of the claim that the act or omission caused or contributed to. We may not refuse any part that you or the insured person prove the act or omission did not cause. This applies to every condition, exclusion, limit and obligation in this policy, not only to the claims conditions.

Cancellation

You may cancel this policy at any time by telling us. We refund the premium for the unexpired period of insurance on a pro-rata basis, less any non-refundable government charges.

We may cancel this policy only as the Insurance Contracts Act 1984 (Cth) allows, by giving you written notice as that Act requires. We refund the premium for the unexpired period on a pro-rata basis.

Cancellation does not affect cover for a trip that started before the cancellation took effect, until that trip ends.

Renewal

Each renewal is a new contract. Before this policy ends, we will tell you whether we offer to renew it and on what terms, as s.58 of the Insurance Contracts Act 1984 (Cth) requires. We are not obliged to offer renewal.

Fraud

If a claim is made fraudulently, we may refuse to pay it, as s.56 of the Insurance Contracts Act 1984 (Cth) allows.

Sanctions

We do not provide cover, pay any claim or provide any benefit under this policy to the extent that doing so would expose us to any sanction, prohibition or restriction under: - the Autonomous Sanctions Act 2011 (Cth), the Charter of the United Nations Act 1945 (Cth), or regulations made under either Act; or - the trade or economic sanctions laws of the United Kingdom, the United States of America or the European Union, to the extent they apply to us.

[WP REVIEW: confirm that naming the UK, US and EU regimes is appropriate for Australian capacity; this is a deliberate library-wide scope choice.]

GST

The premium includes GST where it applies, under A New Tax System (Goods and Services Tax) Act 1999 (Cth). Insurance for travel outside Australia is GST-free to the extent the law allows, and the schedule shows how the premium is divided between overseas and domestic travel. Where you are entitled to an input tax credit for a cost we pay, we pay the cost less that credit. The personal accident benefits are fixed amounts and are not adjusted for GST.

Privacy

We collect, use and disclose personal information about you and insured persons, including health information, to assess your proposal, administer this policy, provide emergency assistance and manage claims, in accordance with the Privacy Act 1988 (Cth) and our privacy policy. You confirm you will tell insured persons that you have given us their information and where they can read our privacy policy. Our privacy policy explains how to access and correct information and how to complain about a privacy matter.

Disputes and Complaints

If you or an insured person are unhappy with our service or a decision, contact us at the details in the schedule. We will acknowledge your complaint within one business day and give you our decision within 30 calendar days.

If you are not satisfied with our response, or we have not responded within 30 calendar days, you may take your complaint to the Australian Financial Complaints Authority (AFCA), a free and independent dispute resolution service, if it falls within AFCA's rules: www.afca.org.au, 1800 931 678, info@afca.org.au.

Governing Law

This policy is governed by the law of the Australian state or territory shown in the schedule. If the schedule does not show one, it is governed by the law of New South Wales.

Jurisdiction

You and we submit to the jurisdiction of the courts of the state or territory whose law governs this policy, and of any court that may hear appeals from them.

Headings and References

Headings are for convenience only. A reference to legislation includes any legislation that amends or replaces it. A reference to a clause by its heading is a reference to that clause as it appears in this wording. A reference to an endorsement by its code is a reference to that endorsement in the Endorsement Library, and it applies only if the schedule shows it.

How to Make a Claim

1. In an emergency, call the 24-hour emergency assistance number shown in the schedule.
2. Otherwise, contact your broker, or contact us at the details shown in the schedule, as soon as reasonably practicable (see the Making a Claim obligation).
3. Send us the claim form with original receipts, medical certificates, carrier and police reports, and evidence of the trip.
4. Tell us about any other insurance, carrier compensation or card scheme that may cover the loss.
5. We will acknowledge your claim, and keep you informed, as the General Insurance Code of Practice requires where the insurer subscribes to it.

Endorsement Library

An endorsement applies only if its code is shown in the schedule. Each endorsement changes this policy only as it states, and is read together with the variables shown for it in the schedule. Where an endorsement and the rest of this policy conflict, the endorsement applies to the extent of the conflict. If a variable an endorsement needs is not shown in the schedule, the default stated in the endorsement applies; if it has no default, the endorsement does not apply until we show the variable in the schedule.

E01 Pre-existing Medical Conditions

The Pre-existing Conditions exclusion does not apply to the conditions of the insured persons named in the schedule for this endorsement, to the extent the schedule shows, provided the insured person had not been advised to avoid travel and was not travelling to obtain treatment.

Schedule variables: insured persons and accepted conditions; any limit for claims arising from each accepted condition.

E02 Leisure Extension

Leisure travel by an insured person immediately before or after a business trip is part of the trip for up to the number of days shown in the schedule for this endorsement, in place of the number in the When They Are Covered clause, and the leisure part may be longer than the business part. Directors and officers named in the schedule for this endorsement are also covered on leisure trips with no business purpose.

Schedule variables: leisure days for each trip (7 to 21, default 14); directors and officers covered for leisure-only trips.

E03 Hazardous Activities

The Hazardous Activities exclusion does not apply to the activities named in the schedule for this endorsement, while the insured person takes part in them as an amateur, under the rules of the governing body where there is one, and holding any licence or qualification it requires. Sporting equipment named in the schedule is covered under the Luggage, Business Equipment and Documents clause while in use, up to the sub-limit shown.

Schedule variables: named activities and conditions; sporting equipment sub-limit.

E04 Epidemic and Pandemic Disruption

The Epidemic or Pandemic exclusion does not apply to the travel disruption and business expenses sections where the insured person, their travelling companion or a member of their immediate family is diagnosed with the disease, or the insured person is denied boarding or placed in mandatory quarantine because they are suspected of having it. It does not cover border closures, travel bans, government quarantine of a whole population, or a change in DFAT advice because of the epidemic or pandemic.

Schedule variables: sub-limit for each insured person (default $10,000).

E05 Manual Work Overseas

The Manual Work exclusion does not apply to the work and sites described in the schedule for this endorsement, for the insured persons it names or describes.

Schedule variables: work and sites covered; insured persons or categories; any reduced capital sum.

E06 Long-Term Assignment

The maximum trip duration in the When They Are Covered clause is extended, for the insured persons named in the schedule for this endorsement, to the period shown for each of them. While on that assignment, the place they live is not their home for the purposes of this policy.

Schedule variables: insured persons, destinations and assignment periods (up to 12 months).

E07 Increased Personal Accident Benefits

The capital sum for the insured persons or categories named in the schedule for this endorsement is the amount shown for them, in place of the capital sum shown for the personal accident section, up to $2,000,000 for each insured person. The accumulation limit in the Accumulation Limit provision continues to apply unless the schedule shows a higher one.

Schedule variables: insured persons or categories and their capital sums; accumulation limit.

E08 Non-Employee Travellers

Consultants, board advisers and guests travelling on your business, at your cost and with your authority, are insured persons, for the categories shown in the schedule for this endorsement. Weekly benefits under the Personal Accident Benefits clause do not apply to them.

Schedule variables: categories of non-employee travellers; maximum number on any one trip.

E09 Domestic Travel Only

This policy covers trips within Australia only. The territory is Australia, and the Medical and Evacuation Expenses clause does not cover medical expenses for a Medicare-eligible insured person, as the Medicare and Health Insurance Laws provision provides.

Schedule variables: none.

E10 Employees Based Outside Australia

Directors, officers and employees whose home is in a country named in the schedule for this endorsement are insured persons. For them, a trip starts when they leave their home in that country, and the medical and evacuation section does not cover medical expenses in that country. We will not provide cover in a country where we are not permitted to do so by law.

Schedule variables: countries; number of insured persons based in each.

[WP REVIEW: confirm whether non-admitted cover for employees resident overseas needs a local policy or a difference-in-conditions structure in any named country.]

Licence and Trademark Notice

This wording's text is licensed under Creative Commons Attribution 4.0 International (CC BY 4.0). The licence applies to the wording text only. It does not extend to, and no licence is granted in, the "Meridian" name, the Cuttleflow Systems name, logo, bearing mark, or any other trademark, trade dress, or brand asset, all of which remain the property of their respective owners and may not be used without separate permission.

An adopting insurer's own schedule, proposal, endorsements and other materials prepared for use with this wording are not required to be released under CC BY 4.0 merely because they are used together with this wording; CC BY 4.0 requires only that you attribute the wording text you use.

This wording is provided for general use and adaptation. Adopting insurers and their advisers are responsible for obtaining their own legal, regulatory, and reinsurance advice before use, including on whether a Product Disclosure Statement and Target Market Determination are required. Use of this wording requires the approval of the relevant capacity provider. Any Wording Partner review and sign-off letter issued in respect of this wording runs to Cuttleflow Pty Ltd t/a Cuttleflow Systems only and does not constitute legal advice to any adopting insurer or insured.

Designed for the Australian market. Assumes application of the Insurance Contracts Act 1984 (Cth). Users are responsible for their own legal review, regulatory compliance, and reinsurance alignment.