anz Frequent Flyer Visa Platinum Insurance Policy Information · 3.3 Travel Document, Credit Cards...

ANZ Frequent Flyer Visa Platinum Insurance Policy

Information

�

Important Policy Information Eachpolicyinthisbooklethasitsowndefinitions,termsandconditions.

Coverageforaneventunderonepolicydoesnotautomaticallymeanthatcoverforthesameorsimilareventwillbeprovidedunderotherpolicies.Pleasereadthesepolicydocumentscarefully.

Index

ANZ Frequent Flyer Visa Platinum Overseas Travel and Medical Insurance 4

Transport Accident Cover 24

Important information about the covers provided by Zurich 30

90-day Purchase Security Insurance 39

Extended Warranty 40

Best Price Guarantee Scheme 41

Interstate Flight Inconvenience Insurance 42

�

�

ANZ Frequent Flyer Visa Platinum Overseas Travel and Medical Insurance

TheANZ Frequent Flyer Visa Platinum OverseasTravelandMedicalInsurancehasbeenissuedbyAmericanHomeAssuranceCompanyABN67007�83�67,AFSLicenceNo.�30903,s/o–07/00893,incorporatedwithLimitedLiabilityintheUSA,tradingasAIGAustraliaof5�9StKildaRoad,Melbourne,Victoria300�underaMasterPolicy.

OverseasTravelandMedicalInsuranceissuedtoAustraliaandNewZealandBankingGroupLimited(ANZ)ABN110053575��ofLevel6,100QueenStreet,Melbourne,VIC,3000.

ANZisnottheissueroftheANZ Frequent Flyer Visa Platinum OverseasTravelandMedicalInsuranceandneitherANZnoranyofitsrelatedcorporationsguaranteeanyofthebenefitsunderthisPolicy.ThecoverisprovidedatnoadditionalcosttotheCardholderandANZdoesnotreceiveanycommissionorremunerationfromAIGAustraliaforarrangingtheInsurancePolicy.

NeitherANZnoranyofitsrelatedcorporationsareAuthorisedRepresentatives(undertheCorporationsAct�001)ofAIGAustralia.

ANZmayterminatetheANZ Frequent Flyer Visa Platinum OverseasTravelandMedicalInsurancewithAIGAustraliaatanytimeandwillprovidewrittennotificationtotheirCardholders.PurchasesmadeinaccordancewiththisANZ Frequent Flyer Visa Platinum OverseasTravelandMedicalInsurancebeforeanotificationtoterminatethecoverisgivenwillbecoveredunderthisOverseasTravelandMedicalInsurance.PurchasesmadeafterthisnotificationtoterminateisgivenwillnotbeeligibleforcoverunderthisANZ Frequent Flyer Visa Platinum OverseasTravelandMedicalInsurance.

Policy Administration and Claim enquiries

PleasecontactAIGAustraliaon1800339665HeadOffice:5�9StKildaRoadMelbournePhone:(03)95��000Fax:(03)95��651

Emergency And Medical Assistance Services – AIG Assist

Intheeventofanemergencyoverseas,simplycall(reversecharge)AIGAssistanytimefromanyplaceintheworld:

1. Ringtheoperatorinyourcurrentlocality;and

�. BookareversechargecalltoAustralia

61 (2) 9251 4298 Thenumberunderlinedisthecountrycodeandthenumberinbracketsis

theareacode.

For the purposes of this Policy:

• TravelbyAustralianresidentstoandfromNorfolkIsland,LordHoweIsland,CocosIslandsandChristmasIslandwillberegardedasoverseastravel.

• NomedicalandhospitalexpensesarecoveredwithinAustralia.

• Domesticairtravelrequiredtoconnectwithoverseastravelordomesticairtravelformingpartoftheoverseastravelwillberegardedasoverseastravel.HowevermedicalandhospitalexpensesarenotcoveredwithinAustralia.


�

Schedule of Benefits and Sum Insured

ThisisasummaryofcoveronlyandthePolicyissubjecttoterms,condition,limitsandexclusions.ValuesshownbelowrepresentthemaximumsuminsuredinAustraliaDollars.Pleasenote,notallPolicybenefitsandbenefitamountsareshownbelow.Insomecasessub-limitsapplyorthebenefitsmaynotbeavailabletoyou.PleasereadtheentirePolicytoensureitmeetsyourrequirements.

Section Benefits Maximum Sum insured for persons 80 years of age or under unless otherwise stated below

Policy Excess

Section 1 Overseas Medical, Dental and Additional Expenses

1.1 OverseasMedicalandDental

(1)OverseasMedicalExpenses

Unlimited $�00

(2)OverseasDentalExpenses

$�,000 $�00

1.2 (1)AdditionalExpenses Unlimited $Nil

(2)ResumptionofOverseasJourney

$3,000Cardholder only,

$Nil

$6000Cardholderandfamily

$Nil

(3)TravelDelay $500forCardholderonly,

$Nil

$1000Cardholderandfamily

$Nil

(4)MissedConnection $�,000 $Nil

(5)ReturnofHireVehicle $500 $Nil

(6)HireVehicleExcessWaiver

$�,000 $Nil

(7)FuneralCosts $�0,000 $Nil

(8)CashinHospital $7,500forCardholderonly,

$Nil

$15,000forCardholderandfamily

$Nil

(9)Hijack $10,000forCardholderonly,

$Nil

$�0,000forCardholder andfamily

$Nil


6

Section Benefits Maximum Sum insured for persons 80 years of age or under unless otherwise stated below

Policy Excess

(10)Mugging $500 $Nil

(11)Domesticpetsextraboardingfees

$500perevent $Nil

Section 2 Cancellation and Amendment Costs

2.1 CancellationCosts $Unlimited(exceptAgentfees–cover15%ofthecostuptoamaximumof$1000)

$Nil

2.2 AmendmentCosts $Unlimited $Nil

Section 3 Luggage and Travel Documents

3.1 Luggage $1�,000forCardholderonly,

$�00

$��,000forCardholderandfamily.

$�00

3.2 EmergencyPurchase/MislaidLuggage

–after1�hours $�00forCardholderonly,

$Nil

$800forCardholderandfamily

$Nil

–after7�hours $800forCardholderonly,

$Nil

$1600forCardholderandfamily

$Nil

3.3 TravelDocument,CreditCardsorTravellerCheques

Includedinsuminsuredunder3.1above.

$Nil

Section 4 Accidental Death, Disability and Loss of Income

4.1 DeathandDisability $50,000Cardholder

$50,000Spouse

$1,000eachdependentchild

$Nil

4.2 Loss of Income $9,000 $Nil

Section 5 Liability $�,500,000 $Nil


�

IMPORTANT MATTERS 1. Activation of Cover

InorderforYoutoreceivecoverunderthisPolicyforYour Journey, Youmust:

• ContinuetobeacurrentholderofanANZ Frequent Flyer Visa Platinumcard,and

• PriortothecommencementofYour Journey,purchasedwithYourANZ Frequent Flyer Visa Platinum accountaminimumof$�50forYourpre-bookedtransportcosts(airfaresand/orcruise)and/orlandcontent(tours,hirecarsorotherhiredtransportandaccommodation),and

• ThispaymentmustbedebitedtoYouraccountpriortoYourdeparturefromAustralia.We will not respond to any claim until We have received proof of this payment by You,and

• YouholdatickettoreturnYoutoAustralia,andthatreturnmustbewithinsixmonthsofthecommencementofYour Journey.

Should You hold a date changeable ticket and You subsequently decide to amend Your itinerary that changes Your travel duration to beyond six months, all cover under this policy will cease immediately from the time You make the change to Your itinerary.

�. ThePolicyisacontractofinsurancebetweentheANZandUs.ItisnotacontractbetweenAIGAustraliaandYou.

3. Age Limit

YourcoverunderthisPolicyisconditionaluponYoubeing80yearsofageorunderatthetimeYouactivatedYourcover.

�. YourcoverunderthisPolicyisconditionaluponYoubeingapermanentresidentofAustraliaintendingtoconcludeYour JourneyinAustralia.

5. Pre-existing Medical Condition(s)

ThispolicydoesnotprovideanybenefitsforanyPre-existing Medical Condition(s) YouhaveoranyPre-existing Medical Condition(s)ofaRelative, Travelling CompanionoranyotherpersonthatmaygiveriseforYoutoclaim.PleaserefertothedefinitionsectionandGeneralPolicyExclusionssectionforfurtherinformation.

You cannot apply for cover for Pre-existing Medical Conditions of any person not insured under this policy.

• IfYouwishtoapplyforcoverforYour Pre-existing Medical Condition(s)pleasecontactAIGAssistbeforeYouleaveAustralia,on1800009391.IfWeagreetocoverYour Pre-existing Medical Condition(s),AIGAssistwillsendYoualetterconfirmingthatYour Pre-existing Medical ConditioniscoveredunderthispolicyfortheJourneyinquestionandwhetherthecoverissubjecttoanyspecialconditions.

If We agree to cover some or all of Your Pre-existing Medical Conditions an administration fee of $75 per person is payable to cover the cost of the assessment.

6. WewillnotpayclaimsresultingfromLuggage Left UnsupervisedinPublic Place.

7. IfYouhavealoss,YoumusttellUsinwritingwithin30daysofreturningfromYour Journey.IfYour Journeyiscancelled,YoumustwritetoUswithin30daysofthecancellation.WewillgiveYouaclaimform,whichYoumustcompleteandsendbacktoUswithinformationwhichsupportsYourloss.

Pleaserefertothe“HowtomakeaClaims”sectionforfulldetails.

8. YoushouldconsiderwhetherthebenefitsofferedundertheANZ Frequent Flyer Visa Platinum OverseasTravelandMedicalInsurancePolicyareappropriateforYourcircumstances.ThetermsandconditionsunderthisPolicycannotbeamendedornegotiatedbyYou.


8

PRIVACy CONSENT ANd dISCLOSuRE AmericanHomeAssuranceCompany,tradingasAIGAustralia,isawholly

ownedsubsidiaryoftheAmericanInternationalGroup(“AIG”).

AIGAustraliahasadoptedtheNationalPrivacyPrinciples(“theNPPs”).TheNPPsmayapplytoanypersonalinformationcollectedbyAIGAustralia.

Purpose of Collection

AIGAustraliacollectsinformationnecessarytounderwriteandadministerYourinsurancecover,tomaintainandtoimprovecustomerservice.YouhaveadutyundertheInsuranceContractsActtodisclosecertaininformation.FailuretocomplywithYourdutyofdisclosureortoprovidecertaininformationmayresultinAIGAustraliadecliningcover,cancellingYourinsurancecoverorreducingthatlevelofcover.

InthecourseofadministeringYourpolicywemaydiscloseYourinformationto:

(i) anothermemberoftheAIGgroupofcompanieseitherinAustraliaoroverseas.

(ii) contractorsorthirdpartyprovidersprovidingservicesrelatedtotheadministrationofYourpolicy.

(iii)ANZandanymemberoftheANZGroupofcompaniesinvolvedinproductplanninganddevelopment.

(iv)assessors,thirdpartyadministrators,emergencyproviders,retailers,medicalprovidersandtravelcarriersintheeventofaclaim.

WewillonlydiscloseYourpersonalinformationtothesepartiesfortheprimarypurposeforwhichitwascollected.InsomecircumstancesAIGAustraliaisentitledtodiscloseYourpersonalinformationtothirdpartieswithoutYourauthorisationsuchaslawenforcementagenciesorgovernmentauthorities.However,healthinformationrelatingtoYouoranymemberofYourfamilywillnotbedisclosedtotheseparties.

Access to Your information

YoumaygainaccesstoYourpersonalinformationbymakingawrittenrequesttoAIGAustralia.

Insomecircumstances,AIGAustraliamaydenyaccesstoYourpersonalinformation.

Circumstanceswhereaccessmaybedeniedincludewhereitwouldcompromisetheprivacyofotherindividuals,orwhereitwouldbeunlawful.

AIGAustraliahasalsoestablishedaninternaldisputeresolutionprocessforhandlingcustomercomplaintsandanaccessandcorrectionprocedure.BothproceduresaregenerallyfreeofchargehoweverAIGAustraliareservestherighttochargeforaccessrequestsinlimitedcircumstances.

IfYoufeelYouhaveacomplaintaboutAIGAustralia’sinformationPrivacyPrinciplesandrequireassistanceinlodgingaprivacycomplaintorYouwishtogainaccesstotheinformation,YoumaywritetothePrivacyManager,AIGAustralia,5�9StKildaRoad,Melbourne,ore-mailaustralia.privacy.manager@aig.com.YourcomplaintwillbereviewedandYouwillbeprovidedwithawrittenresponse.Ifitcannotberesolved,YourcomplaintwillbereferredtoAIGAustralia’sinternalDisputesResolutionCommitteewhowillrespondwithin15workingdaysofreceiptofYourcomplaint.

Ineithercasethematterwillbereviewedbyapersonorpersonswithappropriateauthoritytodealwiththecomplaint.ThePrivacyComplianceCommitteemayreferacomplainttothePrivacyCommissioneroranothercodeadjudicatorwhereitismoreappropriatetodoso.ApersonaggrievedbyadeterminationmadebythePrivacyComplianceCommitteemayapplytothePrivacyCommissionerforareviewofthedetermination.


�

GENERAL POLICy CONdITIONS1. General–AtthecommencementofthePeriod Of Insurance,Youmustbe

medicallyfittotravelanddonotandcouldnotreasonablyknowofanyreasonwhyYour Journeymayneedtobecancelledordisrupted.

�. Australian Law–ThisPolicyshallbeinterpretedinaccordancewiththelawoftheStateorTerritoryinAustraliainwhichYouresideandbesubjecttothejurisdictionofthecourtsofthatStateorTerritoryinAustralia.

3. Currency–AllamountsshownareinAustralianCurrency.Ifexpensesareincurredinaforeigncurrency,thentherateofcurrencyexchangeusedtocalculatetheamountpayablewillbetherateatthetimeofincurringtheexpenseorsufferingaloss.

�. Cancellation or amendment of Cover–AIGAustraliaandANZmayagreetoamendorterminatethisANZ Frequent Flyer Visa Platinum OverseasTravelandMedicalInsuranceatanytime.AIGAustraliamayalsorefusetocoveranyindividualANZ Frequent Flyer Visa Platinum Cardholder.

Anyamendment,terminationorindividualterminationmustbebywrittennotificationfromUsand/orANZbyordinarymailtoYourlastknownplaceofresidenceandwillbedeemedtotakeeffecteither:

a.onthethirddayafterthedateofthenotice;or

b.intheeventYouareonaJourneyandcannotbecontacted,immediatelyuponYourreturntoYourplaceofresidencefollowingYour Journey.

5. CoverwillterminateimmediatelyuponcancellationofYour ANZ Frequent Flyer Visa Platinumcardforthefollowingreasons:

a.cancellationbyYou.

b.cancellationbyANZinaccordancewithitsrightsunderthetermsofitscontractwithYoufortheissueofYour ANZ Frequent Flyer Visa Platinum.

6. IfYouhavealossinvolvingotherpersonsortheirproperty,YoumustnottellthemitwasYourfaultorthatYouwillpaythemfortheloss.

7. YoumustprovideUsimmediatelywithfullparticularsofanyclaimmadeagainstYoubyanyotherperson,alllegaldocumentsservedonYouandallowUsthesoleoptiontonegotiatesettlementof,ordefendtheclaimsinYourname.

YoumustassistUsevenafterWehavepaidYour claimifWewanttodefendYouagainstanallegation.Thiscouldincludeattendingcourttogiveevidence.

8. Subrogation

• IfYoucanclaimfromanyoneelseandWealsopayYou,thenYoumustrefundUstheamountWepaidiftheypayYou.YoucannotclaimfromUsandthemunlessWeareonlymakingupthedifference.

• You mustassistUsevenafterWehavepaidYourclaimifWewanttorecovertheamountofanypaymentfromanyonewhocausedYoutosufferlossordamage.Thiscouldincludeattendingcourttogiveevidence.

• YoumustnotstartanylegalactionbeforetellingUs.

9. Fraudulent Claims–ifanyclaimisinanyrespectfraudulentorifanyfraudulentmeansordevicesareusedbyYouoranyoneactingonYour behalftoobtainanybenefitunderthisPolicythenanyamountpayableinrespectofsuchclaimshallbeforfeited.


10

dEFINITIONS Wordswithaspecialmeaningareshowninthepolicyinboldandin

capitalletter.

ANZmeansAustraliaandNewZealandBankingGroupLimitedABN110053575��anditssuccessorsandassigns.

ANZ Frequent Flyer Visa Platinum meansanoriginalandvalidANZ Frequent Flyer Visa PlatinumcreditcardaccountissuedtoaclientoftheAustraliaandNewZealandBankingGroupLimited,declaredtobecurrentbyAustraliaandNewZealandBankingGroupLimitedatthetimeofanyevent,injury,lossordamagewhichwouldallowYoutoclaimunderthispolicy.It does not include an additional or supplementary cardholder.

Business Partnermeansapersonwhoisinalegal,commercialpartnershipwithYouinAustralia.Abusinesspartnermustbeapermanentresidentof,andlivingin,Australia.

CardholdermeansaprimarycardholderoftheANZ Frequent Flyer Visa Platinum creditcardaccount.

Dental ExpensesarecostsYouincurforemergencyDental Treatment.

Dental Treatment–istheemergencytreatmentofhealthynaturalteethorgumstostopsuddenpain.Thisdoesnotincludenormalorongoingcareofteeth.

Dentist–isageneralpractitionerwiththequalificationsrequiredtopractisedentistry.

Disablement/Disabled–means,forYouorYour Travelling Companion,aseriousaccidentorillness,whichrequiresimmediatemedicaltreatmentorDental TreatmentbyaDoctor oraDentist.ForaRelativeorBusiness Partner,itmeansalifethreateningaccidentorillness.

Doctor–isageneralpractitionerregisteredtopractisemedicine.

Financial Default–meansinsolvency,bankruptcy,provisionalliquidation,liquidation,financialcollapse,appointmentofareceiver,manageroradministrator,entryintoanyofficialorunofficialschemeofarrangement,statutoryprotection,restructuringorcompositionwithcreditors,orthehappeningofanythingofasimilarnatureunderthelawsofanyjurisdiction.

Journey–meansacontinuousandunbrokenperiodofuptosixmonthsduringwhichtimeYouareabsentfromAustraliaoritsTerritories.ThetravelarrangementsfortheJourneymustbebookedbeforeYouleaveAustraliaoritsTerritoriesandmust include a fixed date ticket returning You to Australia within six months.

Luggage–meansthepersonalitemsYoutakewithYouonYour Journey.Thisincludesitemsofclothing,personaljewellery,photographicandvideoequipment,hearingaids,andpurchasesYoumakeoverseas.Itdoesnotincludemechanicalormachineparts,itemsforsaleorcargotakenwithYouorpurchasedoverseas.

Luggage Left Unsupervised–means,Your Luggageleft:

1. withapersonotherthanYour Travelling Companion,or

�. inapositionwhereitremainsunsupervisedforsufficienttimeforittoberemovedwithoutYourknowledge,or

3. atadistancewhichcreatesanopportunityforittobetakenwithoutreasonablechanceofYouapprehendingoridentifyingthethief.

Medical ExpensesarecostsYouincurforMedical Treatment.

Medical Treatmentincludes,butisnotlimitedto,medicalandsurgicalcare,hospitalisation,medication,physiotherapy,specialdietorexerciseprograms,ongoingassessmentordiagnosticinvestigations.

Original Journey–istheJourney YoubookbeforeYouleaveAustralia.


11

Period Of Insurance–means,inrelationtodifferenttypesofcover,thefollowing:

1. CancellationcoverunderthispolicystartsfromthedateYouactivatedYour coverinaccordancewiththecriteriainthe“ImportantMatters”section.

�. AllothercoversunderthispolicystartwhenYouleaveYourhomeinAustraliatostartYour Journey.

3. Allcoverunderthispolicystopswhenthefirstofthefollowinghappens:

a. theJourney Youbookedends,or

b. YoureturntoYourhomeinAustralia,or

c. YouamendYouritinerarythatchangesYourtraveldurationtobeyondsixmonths,

IfsomethinghappensforwhichYou canclaimunderanyofthesections“WhatWewillpayfor”(otherthanLiability),andthiscausesYoutoextendYour Journey,coverunderthispolicywillcontinueuntilYoucanreasonablycompleteYour Journey.

Pre-existing Medical Condition–means,pertainingtotheANZ Frequent Flyer Visa Platinum Cardholder,anyRelative,Travelling CompanionoranyotherpersonthatmaycauseYoutoclaim:

a. anyphysical,medicalordentalconditionforwhich,treatmentoradvicehasbeenreceived(whetherornotadiagnosishasbeenmade),ormedicationprescribedortaken:

i. inthe30days(or90daysforpersons75yearsofageorover)beforethedateonwhichYourcoverisactivatedinaccordancewiththeActivationofCovercriteriaasstatedinthe“ImportantMatters”section.

ii. Inthe30days(or90daysforperson75yearsofageorover)beforeYour JourneystartsexceptforSection�Cancellation.

b. Anychronicorongoingphysical,medicalordentalconditionforwhich,treatmentoradvicehasbeenreceived(whetherornotadiagnosishasbeenmade),ormedicationprescribedortakenatanytimebeforeYourcoverisactivatedinaccordancewiththeActivationofCovercriteriaasstatedinthe“ImportantMatters”section;or

c. Anycomplicationarisingfromsuchconditionoutlinedabove.

OnlythemedicalconditionslistedbelowareautomaticallycoveredunderthisPolicy.Inanyothercircumstance,aPre-existing Medical Condition(s)coverapplicationforadditionalcoverisrequired.Pleaserefertothe“ImportantMatters”sectionforfurtherdetails.

Condition Requirement

Asthma Ifnoattackrequiringtreatmentbyamedicalpractitionerinthelast1�months.

Cataracts IfYouhavenoongoingcomplications,arenotonawaitinglistforanoperationandhavenotbeenoperatedoninthelast30days.

Diabetes–NonInsulinDependent

IfYouwerediagnosedover1�monthsago,andhavenothadanycomplicationsinthelast1�months.Youmusthaveabloodsugarlevelreadingbetween�and10.

EarGrommets Withnocurrentinfection.

Epilepsy IfthereisnounderlyingmedicalconditionsandYouhavenotrequiredtreatmentbyamedicalpractitionerforaseizureinthelast�years.


1�

GastricReflux Iftheconditiondoesnotrelatetoanunderlyingdiagnosis(ie.herniagastriculcer).

Gout Ifthegouthasremainedstableformorethan6months.

HiatusHernia Ifnosurgeryisplanned.

HipReplacement Ifperformedmorethan6monthsagoandlessthan10yearsago.

Hypertension(HighBloodPressure)

IfYouhavenoheartconditionsandYourcurrentBPreadingislowerthan165/95.

PepticUlcer Iftheconditionhasremainedstableformorethan6months.

Pregnancyuptoandincluding��weeks

Ifnocomplicationsexistrelatingtothispregnancyandtheconceptionwasnotmedicallyassisted.

UnderactiveThyroid

Ifnotasaresultofatumour.

Public Place–includesbutisnotlimitedtoshops,airports,trainstations,busstations,streets,hotelfoyersandgrounds,restaurants,beaches,publictoilets,andanyplaceswhichthepublichasaccess.Itdoesnotinclude:

1. aplacewhereonlyYou,Your Travelling CompanionorYour accommodationprovidershaveaccess,or

�. thestorageareaofYouraccommodationortransportprovideraftertheyhavetakenYour LuggagefromYoutoplaceitinsafekeeping.

Reasonable –means:

1. forMedical ExpensesandDental Expenses,thatthecareobtainedshouldbeatthestandardlevelgiveninthecountryYouarein,andmustnotexceedthelevelofcareYouwouldnormallyreceiveinAustralia.

�. forallotherexpenses,suchastransport,mealsandaccommodation,thestandardmustnotbebetterthanthelevelYoubookedfortherestofYour Journey.

Relative–meansaSpouse,parent,step-parent,parent-in-law,grandparent,child,step-child,grandchild,brother,brother-in-law,sister,sister-in-law,son-in-law,daughter-in-law,uncle,aunt,niece,nephew,firstcousin,fiancé,orfiancée,allpermanentlyresidinginAustraliaorNewZealand.

Spouse–meansalegalordefactoSpouseorapartnerwhoisinapermanentrelationship.Wemayaskforproofofthemarriageorapermanentrelationship.

Terrorism–meansanyactualorthreateneduseofforceorviolencedirectedatorcausingdamage,injury,harmordisruption,orcommittingofanactdangeroustohumanlifeorproperty,againstanyindividual,propertyorgovernment,withthestatedorunstatedobjectiveofpursuingeconomic,ethnic,nationalistic,political,racialorreligiousinterests,whethersuchinterestsaredeclaredornot.Robberiesorothercriminalacts,primarilycommittedforpersonalgainandactsarisingprimarilyfrompriorpersonalrelationshipsbetweenperpetrator(s)andvictim(s)shallnotbeconsideredTerrorism.Terrorismshallalsoincludeanyactwhichisverifiedorrecognisedbythe(relevant)GovernmentasanactofTerrorism.

Travelling Companion–meanstheperson/sYouarrangedtotravelwithbeforeYouleftYour residenceinAustraliatocommenceYour Journey.ThispersonmustbeapermanentresidentofAustraliaorNewZealand,andbetravellingwithYouforatleast50%ofYour Journey.


1�

War –meanswaroranywarlikeactivities,includinguseofmilitaryforcebyanysovereignnationtoachieveeconomic,geographic,nationalistic,political,racial,religiousorotherends.

We, Our, UsmeansAmericanHomeAssuranceCompanyA.B.N.67007�83�67tradingasAIGAustralia(‘AIGAustralia’).

You, YourmeansthepersonnamedastheaccountholderofanANZ Frequent Flyer Visa Platinum card(InsuredPerson)andincludesYour Spouseanddependentpersonsunder�1yearsofageandnotinfulltimeemploymentwhotravelwithyouonYour Journey.You, Your,excludesanypersonagedover80yearsofage.Additional or supplementary cardholders who are not Your Spouse or dependent children under 21 years of age are not covered.

GENERAL POLICy ExCLuSIONS

WhAT WE WILL NOT PAy FOR uNdER ANy TyPES OF COVER

Wewillnotpayclaimsfor,orwhicharedirectlyorindirectlycausedby,anyofthefollowing:

1. War,civilwar,invasion,insurrection,revolution,useofmilitarypowerorusurpationofgovernmentormilitarypower.

�. Nuclearexplosionincludingalleffectsthereof;orradioactivecontaminationcausedbyionisingradiationorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastecausedbythecombustionandorongoingcombustionofnuclearfuel;ortheradioactive,toxic,explosiveorotherhazardouspropertiesofanynuclearequipmentorcomponentthereof.

3. Lossofcash,banknotesorothernegotiabledocuments.

�. LossesincurredifYou:

a.havenotmettheActivationofCovercriteriaonthe“ImportantMatters”section;

b.donothaveaticketreturningYoutoAustraliawithinsixmonthsofthecommencementofYour Journey;

c.wereover80yearsofageatthetimeYourcoverwasactivated.

5. Pre-existing Medical Conditionsofanyperson.ThisincludesYou, YourTravelling Companions,Your Relatives,orYour Business Partners.ThiswillnotapplytoYouifYouhaveappliedforandWehaveapprovedadditionalcoverforYour Pre-existing Medical Condition(s).YoucannotapplyforcoverforPre-existing Medical Condition(s) ofanypersonnotinsuredunderthispolicy.

6. Pregnancyorchildbirth.Thisdoesnotincludeanymedicalcomplicationwhichoccursbeforetheendofthe��thweekofYourpregnancy.The��thweekiscalculatedusingYourestimateddateofdeliverygiventoUsbyYour Doctor.

7. Yourfailuretomakereasonableeffortsto:

a.safeguardYourproperty.ThisincludesfailuretouseanysafeorsafetydepositfacilitymadeavailabletoYou;or

b.avoidaccidentalinjury;or

c.minimiseYourloss;or

d.avoidaloss,iftherehasbeenawarninggivenbythegeneralmediaofanintendedstrike,riotorcivilcommotion,severeweather.

8. a.Motorcyclingunlessthedriverhasacurrentmotorcyclelicence.Thisappliesevenifthedriverisnotrequiredtoholdamotorcyclelicencebecausethedriverhasamotorvehiclelicence,oramotorcyclelicenceisnotrequiredbylaw.


1�

b. Hunting.

c. Racing,otherthanonfoot.

d. AnysportingactivityYouplayinaprofessionalcapacity,orforwhichYoureceiveafinancedsponsorship.

e. Polo.

f. Divingwithanartificialbreathingdevice.ThisdoesnotapplyifYouhaveanopenwaterdivingcertificateorarebeingdirectlysupervisedbyaqualifieddivinginstructor.

g. Travelin,orattachedto,anyairsupporteddevice(eg.ahangglider).ThisdoesnotapplyifYouareapassengerinafullylicensedpassengeraircraftoperatedbyaairlineorairchartercompany.

h.MountaineeringorrockclimbingifYouneedtoorreasonablyoughttouseclimbingequipment.

i. Yachtingwhichinvolvessailingininternationalwaters.

9. Youroranyotherperson’ssuicideorattemptedsuicideorintentionalself-injury.

10. Nervous,anxiety,depressionorstressrelateddisordersresultinginadisinclinationtotravel.

11. Anysexuallytransmittedortransmissibledisease.

1�. AnydiseasetransmittedbyYou.

13. Youhavingabloodalcoholcontentovertheprescribedlegallimitwhendrivingoroperatinganymotorvehicle,and/orbeingundertheinfluenceofanydrugotherthanadrugadministeredby,orinaccordancewiththeadviceofalegallyqualifiedmedicalpractitioner.

1�. Telephoneortransportcostsinconnectionwithanyclaim,unlesscoverisspecificallynotedunderthepolicy.

15. AnyconsequentiallossincludinglossofenjoymentoranyfinanciallossnotspecificallycoveredinthisPolicy.

16. AnyillegalorunlawfulactbyYou.ThisincludesanylossbecauseofYour legaldetention,orthelegalconfiscationordestructionofYourproperty.

17. Breachofanygovernmentprohibitionorregulation.ThisincludesYourfailuretoobtainavisa,workpermitorpassport,whenYouarerequiredtodoso.

18. AnyactofviolencebyYou.

19. AdditionalANZ Frequent Flyer Visa Platinum cardholdersunlesstheyaretheSpouseordependentchildrenoftheANZ Frequent Flyer Visa Platinum CardholderandareaccompaniedbytheANZ Frequent Flyer Visa Platinum Cardholder.ThisexclusionwillnotapplywhiletheSpouseordependentchildistravellingdirectlytotheANZ Frequent Flyer Visa Platinum Cardholder fromAustralia,ordirectlytoAustralia,afterdepartingfromtheaccompaniedANZ Frequent Flyer Visa Platinum Cardholder.

�0. Thefailureofanytravelagent,touroperator,accommodationprovider,airlineorothercarrier,carrentalagency,oranyothertravelortourismserviceprovidertoprovideservicesoraccommodationduetotheirFinancial Default,ortheFinancial Defaultofanyperson,companyororganisationtheydealwith.

TyPES OF COVER

Section 1 – Overseas Medical, dental and Additional Expenses

1.1 Overseas Medical and dental Expenses Subject to the excess set out in the Schedule We will pay:

Your Reasonable Medical ExpensesandDental ExpensesforMedical TreatmentandDental Treatment,ifYouareDisabledduringYour Journey.


1�

ThisMedical TreatmentorDental TreatmentmustbeauthorisedbyYourtreatingDoctororDentist.ForMedical Expenses,WewillnotpaymorethantheReasonable Medical Expensesthatarechargedwithin1�monthsofthedateofYour Disablement.ForDental Expenses,Wewillnotpaymorethan$�,000intotal.(PleaserefertotheDefinitionsection)

1.2 Additional Expenses(1) Additional Accommodation and/or travelling expenses

Subject to the excess set out in the Schedule We will pay:

1. Your Reasonableadditionalaccommodationand/ortravellingexpensesifYoubecomeDisabled.

�. Reasonableaccommodationand/ortravellingexpenses(includingthecostsofmealsoverandabovetheamountYouhadalreadybudgetedfor,lessanyrefundreceivedfortheunusedprepaidtravelandaccommodationarrangements),foroneofYour Travelling Companions,Your Spouse,orYournextofkinif,onYourtreatingDoctor’sorDentist’sadvice,theytraveltoYouorstaywithYouwhileYouareDisabled.WewillalsopaytheiraccommodationandtravellingexpensesiftheyneedtoescortYoutoAustraliaoranotherplace.

3. YourReasonableexpensesformovingYoutoanotherplaceorbacktoAustraliaifYoubecomeDisabled,andOur DoctororDentistagreeswithYourtreatingDoctororDentistthatYoushouldbemovedurgently.Wewillcontrolthismove.

�. Your Reasonableadditionalaccommodationand/ortravellingexpensesifYouaredelayedbecause:

a. thetransportYoubookediscancelled,delayedordivertedduetoastrike,riot,civilcommotion,orhijack,or

b. YouloseYourpassportortraveldocuments,or

c. Youunknowinglybreachaquarantineregulation,or

d.thereisanaturaldisasterorsevereweather,or

e.Your Travelling CompanionisDisabled,or

f. thereisarailway,motorvehicle,marineoraircraftaccident.

Pleasenote:Youmustprovidewrittenproofofthedelay,fromthecarrier.

5. Your ReasonableexpensesforthecostofreturningYoutoAustraliaif:

a.Your Travelling CompanionbecomesDisabled,or

b.YourhomewhereYounormallylive,inAustralia,isdestroyedbyfire,explosion,earthquakeorflood,or

c. Your Relative,orYour Travelling Companion’s Relative,orYour Business PartnerunexpectedlydiesorbecomesDisabled.(ThesepersonsmustbepermanentresidentsofAustraliaorNewZealand).

Note:IfYouwantafareupgradeforYourreturntoAustraliaYoumustgetOuragreementbeforeYoumakethebooking.

(2) Resumption of Overseas Journey


ForYoutoreturnoverseas,ifWehavereturnedYoutoAustraliafollowingYour DisablementorthedeathorDisablementofYour Relative,Your Travelling Companion,Your Travelling Companion’s RelativeorYour Business Partner.Wewillonlypaythisif:

1. theJourneyhasnotendedandthereisatleastaquarteroftheJourneyremaining,or1�days,whicheveristhegreater,and

�. thedeathorDisablementoccurredafterYoubookedYourtravelarrangementsinAustralia.


16

Wewillonlypaythecostofaone-waytickettothelocationwhich,atthetimeofYourreturn,wasstatedonYouroriginalitinerary,asYourexpecteddestinationatthedateofYourreturn.IfWehaveusedYouroriginalreturnticketstoreturnYoutoAustralia,WewillprovideYouwithreturntickets.

ThemostWewillpayis$3,000,iftheANZ Frequent Flyer Visa Platinum Cardholderistravellingalone,and$6,000iftheholderistravellingwiththeirSpouseand/ordependentchildrenunder�1yearsofage.

(3) Travel delay


ReasonableandadditionalcostsYouincurforaccommodationandmealsuntilYour Journeyisrestartedorcancelled.WewillonlypayifYouaredelayedformorethan6hoursbecauseYourscheduledtransportisdelayed,andthedelayisnotYourfault.ThemostWewillpayis$500,or$1,000iftheCardholderistravellingwiththeirSpouseand/ordependentchildrenunder�1yearsofage.

(4) Missed Connection


TheReasonablecostsYouincurforalternatetransportorservicesYouneedtoarrangeifYoumiss,oraregoingtomiss,YourtransporttoattendaspecialeventwhichcannotbedelayedbecauseYouareabsent.WewillonlypaythisifYouhavealreadybookedandpaidforthetransportwitharegisteredtransportproviderand

1. YouareunabletoreachYourtransportduetounforseenorunforeseeablecircumstancesbeyondYourcontrol,andYouhavealreadybookedandpaidforthetransportwitharegisteredtransportprovider,and

�. YouareunabletoreachYourtransportduetounforseenorunforeseeablecircumstancesbeyondYourcontrol,andthereasonforthedelayisnotthecancellationofthetransport.

ThisdoesnotapplyifYour transportiscancelled.Specialeventsincludeweddings,funerals,conferences,majorsportingeventsandmajorconcerts.

ThemostWewillpayis$�,000.

(5) Return of hire Vehicle


TheReasonablecostsYouincurtoreturnYour hiredvehicletothenearestdepot,ifYouhaveahiredvehicle,andYouroverseasDoctororDentistgivesYouacertificatetosayYouareunfittodrive.ThemostWewillpayis$500.

(6) hire Vehicle Excess Waiver


TheexcessYoumustpaytherentalcompanyifYou areinvolvedinanaccidentinavehicleYouhired,orthehiredvehicleissubjecttotheftormaliciousdamage.WewillonlypaythisifYouhaveobservedallthetermsandconditionsoftherentalagreement.

WewillnotpayforanyamountYouareliabletopayarisingoutofYour acceptanceofanadditionalexcesstoreducehiringfees.

ThemostWewillpayis$�,000.

(7) Funeral Costs


Foroverseasfuneral,cremationcostsorthecostofreturningYourremainstoAustralia.ThemostWewillpayis$�0,000.

(8) Cash in hospital


IfYoubecomeDisabledandarehospitalisedoverseas,WewillpayYou$75forevery��consecutivehoursYouareDisabledandkeptinhospital


1�

overseas.ThemostWewillpayis$7,500iftheANZ Frequent Flyer Visa Platinum Cardholderistravellingalone,and$15,000iftheholderistravellingwiththeirSpouseand/ordependentchildrenunder�1yearsofage.

(9) hijack


$1,000foreachpersonforevery��hoursYouaredetained,ifYourpublictransportisforciblyandviolentlyseizedforthepurposesofextortion,oranyotherillegalreason.ThemostWewillpayis$10,000iftheANZ Frequent Flyer Visa Platinum Cardholderistravellingalone,and$�0,000iftheCardholderistravellingwiththeirSpouseand/ordependentchildrenunder�1yearsofage.

(10) Mugging


You $500ifYousufferaninjuryandarehospitalisedasanin-patientastheresultofamuggingattack.Youmustreportthemuggingtothepolicewithin��-hoursoftheattack,andobtainapolicereport.

(11) domestic pets


Youupto$50foreach��-hourperiodtowardsadditionalboardingfeeschargedforYourdomesticpet/sthatYouhaveplacedinboardingwhileYouareonYour Journey.ThemostWewillpayis$500.

WewillonlypaythisifYouaredelayedbeyondYouroriginalreturndateandthedelaywasnotYourfault,andYouprovideproofofYouradditionalfees.

In addition to the General Policy Exclusions, We will NOT pay under Section 1 – Overseas Medical, dental and Additional Expenses for:

1. Yourreturnairfare,toAustralia,ifYouhavenotalreadybookedandpaidforitbeforeYourclaimandbeforeWereturnYoutoAustralia.

WewilldeductthecostofthisfarefromanyclaimwhereWehavereturnedYoutoAustralia.

�. anyMedical Expenses,Dental ExpensesoradditionalexpensesfromthedateWeaskYoutomove(andOur DoctoragreeswithYourtreatingDoctorthatYoucouldbemoved),andYourefusetomoveorYour SpouseorRelativerefusestoallowYoutobemoved.

3. anyMedical Expenses,Dental Expensesoradditionalexpenses,ifYou travelagainstmedicaladviceortraveltoobtainMedical TreatmentorDental Treatment,evenifitisforanapprovedPre-existing Medical Condition.

�. Medical Expenses,Dental ExpensesoradditionalexpensesforanyPre-existing Medical Conditionofanyperson.Thiswillnotapplytonon-routineMedical TreatmentorDental TreatmentforPre-existing Medical Condition(s) thatYouhaveappliedforandWehaveapproved.NocoverisprovidedforroutineMedical TreatmentorDental Treatment,evenifYour Pre-existing Medical Condition(s)hasbeenapproved.

5. OngoingphysiotherapyormanipulativetherapyafterYouhavebeenDisabled,unlessYour Doctorrecommendsitinwriting.

6. Medical TreatmentorDental TreatmentprovidedinAustralia.

7. anyexpensesrelatingtothedeathorDisablementofanyRelativeorBusiness Partner whoisnotapermanentresidentof,andlivingin,AustraliaorNewZealandatthetimeofthedeathorDisablement.

8. additionaltraveloraccommodationexpenses,ifYouhavereceivedcancellationcostsundertheCancellationsectionofthepolicy,forthesameperiod.

9. anyadditionalexpenses(otherthansection1.�(1)point3underAdditionalExpenses)YouincurresultingfromanyactofTerrorism.


18

Note:Thereareotherlimitson Yourcoverformedical,dentalandadditionalexpensesunderthe“ImportantMatters”sectionandGeneralPolicyExclusionssection.

Section 2 – Cancellation/Amendment Costs

2.1 Cancellation Costs Subject to the excess set out in the Schedule We will pay:

AnyamountYouhavepaidinadvanceforYour travelarrangementsthatisunusedandYouareunabletorecover.

ThisonlyappliesifYoumustcancelYourJourneyduetounforseenorunforeseeablecircumstancesoutsideYourcontrol.

ThisamountincludesYourtravelagent’scancellationfeesupto$1,000,or15%ofthetotalJourneycost,whicheveristhelesser.

IfYouhavepaidforYour Journeyusingfrequentflyerpoints,orsimilarairtravelpoints,andYoucannotrecoverthelostpointsfromanothersource,WewillpayYouthevalueofYourlostpoints.ThewayWecalculatetheamountWe willpayYouistoobtainthecostofanequivalentclassairlineticketbasedonthequotedretailpriceatthetimetheoriginalticketwasissued,lessYour financialcontribution,andmultiplythisfigurebythetotalnumberofpointslost,thendividebythetotalnumberofpointsusedtoobtainYouroriginalticket.

Validreasonsforcancellationinclude,butarenotlimitedto:

a.deathorDisablementofYour Travelling Companion,Your Relative,Your Travelling Companion’s RelativeorYour Business Partner.Thesepersonsmustbepermanentresidentsof,andlivingin,AustraliaorNewZealand.

WewillnotpayiftheirdeathorDisablementisduetoaPre-existing Medical Condition.

b.Yourneedtositforsupplementaryexamsortoattendforjuryduty.

c. declarationofastateofemergencyandYouarerequiredtoattendbecauseYouareemployedbythestatepoliceorfederalpolice,fireorambulancebrigade,orthearmedforces.

d.Yourunexpectedretrenchment.ThisdoesnotincludeYourvoluntaryretrenchment.

2.2 Amendment Costs Subject to the excess set out in the Schedule We will pay:

TheReasonable costsofre-schedulingYour JourneyifYouareunabletotravelonYouroriginaldeparturedateduetounforeseenorunforeseeablecircumstances.

TheamountWewillpayyouwillnotbemorethantheamountWewouldhavepaidforcancellationcostsfeesoflostdepositsthatwouldhavebeenincurredhadYour Journeybeencancelled.

IfYourreasonforre-schedulingYour JourneywasduetoYourinjuryorillness,YourinjuryorillnessmaybecomeaPre-existing Medical ConditionforYournewperiodofJourney.YoumayberequiredtoapplyforcoverforYourinjuryorillnessforYournewperiodofJourney.Pleaseseedetailsunderthe“ImportantMatters”section.

In addition to the General Policy Exclusions, We will not pay under Section 2 – Cancellation and Amendment Costs:

Forlossesdirectlyorindirectlycausedby:

1. claimsarisingfromcancellation,delaysorreschedulingcausedbycarriers.


1�

�. anybusiness,financialorcontractualobligationsofYou,oranyotherperson,includingbutnotlimitedto,notbeingabletotakeleavefromthatemployment.Thisexclusionwillnotapplytosection�.1(c)and(d)andtoYoubeingretrenchedfromYourusualfulltimeemploymentinAustralia.

3. Youmakingabookingthroughanunlicensedtravelagent.

�. YourtouroperatornotbeingabletomakeYourbookingbecausetherearenotenoughpeopletobookthetourorapartofthetour.

5. You,orYour Travelling CompaniondecidingtochangeYourplans,ornolongerwantingtotravel.

6. aprohibitionorregulationbyanygovernment(eg.YoucannotenteracountrybecauseYoudonothaveavisa).

7. anyactofTerrorism.

8. cancellationcostsforaccommodationfordayslostduetotransportproviderdelayswherethetransportproviderhasprovidedalternateaccommodation.

9. anypsychological,psychiatricorpsychosomaticconditionsresultinginadisinclinationtotravel.

Note:ThereareotherlimitsonYour coverforCancellationunderthe“ImportantMatters”sectionandGeneralPolicyExclusionssection.

Section 3 – Luggage and Travel documents

3.1 Luggage Subject to the excess set out in the Schedule We will pay:

IfYour Luggageisaccidentallylost,damagedorstolenWemaychoosetoreplace,repair,orpayforthelossincash,aftermakingallowancefordepreciation,andwearandtear.

Subjecttothesub-limitssetoutbelow,themostWewillpayunderthisSection3.1intotalis:

• $1�,000iftheANZ Frequent Flyer Visa Platinum Cardholderistravellingalone,and

• $��,000iftheCardholderistravellingwiththeirSpouseand/ordependentchildrenunder�1yearsofage.

Except:

(1) IfYour Luggageisstolenfromalocked,butunoccupiedvehicle,themostWewillpayis$�,000intotal.

(�) ForitemsusedsolelyforearningYourincome,themostWewillpayis$�,500intotal.

Peritemsub-limits:

Anyoneitem(includingitsattachedandunattachedaccessories),setorpairofitems,unlessotherwisestatedbelow.

$1,000

Laptopcomputers,videorecorders,cameras,mobiletelephonesorportableelectronicequipment(includingallattachedorunattachedaccessoriesoftheseitems)unlessotherwisestatedbelow

$�,000

Luggagestolenfromalockedbutunoccupiedvehicle $�00

3.2 Emergency Purchase/ Mislaid Luggage YoutheReasonable costofemergencypurchaseofclothingandtoiletries

YouneedbecausetheLuggagecheckedinwithYour carrierforstorage


�0

inthecargoholdofYourtransport,hasbeendelayed,misdirectedormisplacedbythecarrier.WewillonlypayYouifYouprovide:

a.writtenprooffromthecarrierthatYouwereunabletogetYour Luggageforatleast1�hours,and

b.receiptsforYouremergencypurchases.

ThemostWewillpayis$�00iftheANZ Frequent Flyer Visa Platinum Cardholderistravellingaloneand$800iftheCardholderistravellingwiththeirSpouseand/ordependentchildrenunder�1yearsofage.WewilldoubletheseamountsifYour LuggageisstillnotreturnedtoYouafter7�hours.

WewilldeductanyamountWepayYouforthisbenefitfromanyclaimWepayYouforthelostLuggage.WewillnotpayYouifYourcarrierhasdelayed,misdirectedormisplacedYour LuggageonthefinalsectionofYour Journey.

3.3 Travel documents, Credit Cards or Traveller Cheques Subject to the excess set out in the Schedule We will pay:

YouanycostwhichYoucannotrecover,ifYourpersonaltraveldocuments,creditcards,ortravellerschequesarestolen.WewillalsopayforYourloss,ifthestolencardsareusedforillegalpurposes.

WewillonlypayifYouhavecompliedwithalltheconditionsoftheirissueandhavedoneeverythingYoucantominimiseYourloss.

In addition to the General Policy Exclusions, We will not pay under Section 3 – Luggage and Travel documents for:

1. Damageorlossarisingfromelectricalormechanicalbreakdownofanyitems.

�. Breakageoffragileorbrittleitems,unlesstheyarebrokenduringamotorvehiclecollision.Thisdoesnotapplytophotographicorvideoequipment,binoculars,spectaclesorcontactlenses.

3. Damageorlossarisingfromwearandtear,deterioration,orlossescausedbyatmosphericorclimaticconditions,mouldorfungus,insects,rodents,vermin,oranyprocessofcleaning,ironingorrepairing.

�. Anydamageto,lossortheftof,Your Luggage,ifYoudonotreportittotheappropriateauthority,thepoliceorthepersoninchargeofYourpublictransport.Youmustdothiswithin��hoursoftheloss.YoumustobtainwrittenproofthatYouhavemadethereport.Youmustreportalllostitemsandthewrittenproofmustcontainalistofallthoseitems.

5. LossofLuggage Left UnsupervisedinaPublic Place.

6. LossofLuggagefromanunlockedvehicle.

7. Damagetosportingequipmentwhileitisinuse.

8. Lossof,ordamageto,Your LuggagewhichYou donottakewithYouonYourtransportorwhichhasbeensentbyroad,railormarinefreightcontract.

9. Lossof,ordamageto,jewellery,cameras,videocameras,computers,orportableelectricalequipmentwhichYouputinthecargoareaofatrain,aircraft,shiporcoach.ThisexclusioncommencesfromthetimeYour Luggageispassedtothecarrieroritsrepresentative.

Note:ThereareotherlimitsonYourcoverforLuggageandTravelDocumentsunderthe“ImportantMatters”sectionandGeneralPolicyExclusionssection.


21

Section 4 – Accidental death, disability and Loss of Income

4.1 Accidental death and disability Subject to the excess set out in the Schedule We will pay:

Your estateforYourdeath,orYouforYourdisability,ifYousufferinjurycausedbyviolent,visibleandexternalmeansinanaccidentduringYourJourney.

Wewillonlypayif:

1. Youdiewithin1�monthsoftheaccident,andadeathcertificateisproduced,or

�. YouhaveentirelyandirrecoverablylossYoursightinbotheyes;or

3. Youlosealimb;or

�. Youlosetheuseofalimbabovetheankleorabovethewrist.Yourloss,orlossofuse,mustoccurwithin1�monthsofyouraccident,andmustbetotalandpermanent.YoumustprovideamedicalcertificatetoconfirmYourlossorlossofuse.

In addition to the General Policy Exclusions, We will not pay:

1. ifYourdeathordisabilityisdirectlyorindirectlyrelatedtoadeepveinthrombosis.

The most We will pay for death or disability is:

Cardholder $50,000

SpousetravellingwiththeCardholder $50,000

Dependentchildrenunder�1yearsofagetravellingwiththeCardholder

$1,000each

Thelimitwillonlybepaidonceperperson,evenifthereismorethanoneaccident,loss,orlossofuseduringtheJourney.

4.2 Loss of Income Subject to the excess set out in the Schedule We will pay:

ForYourlossofincome,ifYouareinjuredinanaccidentduringtheJourneythatiscausedbyviolent,visibleandexternalmeans.

WewillonlypayYouif:

1. YouhadarrangedtoresumeYourusualworkonYourreturntoAustralia,and

�. YouaretotallyunabletoresumeYourusualworkbecauseoftheaccident,and

3. theaccidenthappenedonYour JourneyduringthePeriod Of Insurance,and

�. Yourinabilitytoresumeworkoccurredlessthan30daysaftertheaccident,and

5. YouhaveaDoctor’scertificatesupportingYourinabilitytoresumework.

WewillonlypayYouuptosixmonthslossofincome,commencingfromthe31stdayafterYouwereduetoresumeYourusualworkinAustralia.

ThemostWewillpayYouisthelesserof:

a.thedifferencebetweenYouraveragenetmonthlyearningsforthesixmonthspriortotheaccident,andanyamountYouearnfromalternativework(i.e.notYourusualwork)duringtheperiodforwhichthelossofincomeispayable,or

b.$1,500eachmonth.ThemostWewillpayis$9,000.

In addition to the General Policy Exclusions, We will not pay for:

1. anylossofincomeforYour dependentchildren.

�. Anyinjurywhichiscoveredbyworkerscompensationorstatutorybenefits.

3. Anyinabilitytoworkasaresultofsicknessordisease.


��

Note:ThereareotherlimitsonYourcoverforAccidentalDeath,DisabilityandLossofIncome,underthe“ImportantMatters”sectionandGeneralPolicyExclusionssection.

4.3 Liability Subject to the excess set out in the Schedule We will pay:

TheamountYouarelegallyliabletopay,ifYouactnegligentlyandthiscauses:

1. death,bodilyinjury,ordiseasetoanotherperson,or

�. lossof,ordamageto,thepropertyofanotherperson.

ThisincludesYourlegalcostsandexpenses,whichWehaveagreed,inwriting,topayYou,andtheotherperson’slegalcostsandexpensesthatYoubecomelegallyliabletopay.

ThemostWewillpayis$�,500,000.

In addition to the General Policy Exclusions, We will not pay for the amount You are legally liable to pay, if You act negligently and this causes:

1. death,bodilyinjury,ordiseasetoYou,Your Relative,Your Travelling Companion,Your Business Partner,Youremployee,oranyoneelseYoucoverunderaworkers’compensationpolicy,ordinanceoragreement.

�. lossof,ordamageto,propertyYouown,oranotherperson’spropertyYouhaveborrowed,hiredorhaveinYourcontrol.

3. death,bodilyinjury,disease,ordamagetopropertywhicharisesoutofYourownership,useorpossessionofanymechanicallypropelledvehicle,aircraft,orwaterbornecraft.

�. death,bodilyinjury,disease,ordamagetopropertywhicharisesoutofYourbusiness,tradeorprofessionincludingprofessionaladvicegivenbyYou.

5. penalties,finesorawardsofaggravated,exemplaryorpunitivedamagesmadeagainstYou.

Note:ThereareotherlimitsonYourcoverforLiabilityunderthe“ImportantMatters”sectionandGeneralPolicyExclusionssection.


2�

WhAT TO dO IN ThE EVENT OF A CLAIM1 AllclaimsshouldbeadvisedtoUswithin30daysafterthecompletionof

Your Journey.

� YoumustsubmittoUsallinformationWerequireinsupportofYourclaim,suchasmedicalorpolicereports,declarations,receipts,valuations,certifiedtranslationsorotherevidenceofownershipatYourownexpenseandco-operatewithUsatalltimes.

3. YouwillberequestedtoprovideproofofYourActivationofCoverandthatYouhavemetallthetermsandconditionsunderthisPolicy.

�. Forliabilityclaims,donotmakeanyadmissionoroffer.RequesttheclaimagainstYoutobeputinwriting.

5. Alllossesunderluggageandtraveldocumentssectionmustbereportedtothelocalauthoritywithin��hoursandawrittenacknowledgmentobtained.

6. Inrespectofmedicalexpenseitems:YoumustsubmitaccountstoYourprivatehealthfundbeforesubmissiontoUs.

7. Immediatelyreportanyluggagelossordamagetotheairlineorcarrierandsubmitaclaimtothem.Theairlineorcarriermaybelegallyliableforthelossordamage.

8. Forclaimsenquiriespleasecall1800339665.

EMERGENCy ANd MEdICAL ASSISTANCE SERVICES – AIG ASSIST

Intheeventofanemergencyoverseas,simplycall(reversecharge)AIGAssistanytimefromanyplaceintheworld:

1. Ringtheoperatorinyourcurrentlocality;and

�. BookareversechargecalltoAustralia

61 (2) 9251 4298 Thenumberunderlinedisthecountrycodeandthenumberinbracketsis

theareacode.

TheoverseasassistanceserviceinthissectionisprovidedbyAIGAssistandissubjecttothetermsandconditionsofYourPolicy.

1. IntheeventofanemergencywhilstYouareoutsideAustralia,AIGAssistisonlyatelephonecallawayanywhereintheworld–��hoursaday.Thefreetelephonenumberislistedabove.

�. AIGAssistisaworldwideteamofDoctorsandmedicalprofessionalswhoareavailablebytelephone��hoursadayforadviceandassistanceintheeventofamedicalemergencyandanyassociatedproblemsfortravellersoutsideAustralia.

3. AIGAssistprovidesthefollowingservicesunderYourPolicy:

a. Accesstoaregisteredmedicalpractitionerforemergencyassistanceandadvice.

b. Emergencytransportationtothenearestsuitablehospital.

c. Emergencyevacuationbackhomeifnecessary.

d. ThefamilybackhomewillbeadvisedofYour medicalconditionandbekeptinformedofthesituation.

e. Paymentguaranteestohospitalsandinsuranceverification.

f. Secondopinionsonsurgery.

g. Casemanagementifhospitalisedandcostcontainmentandcontrol.

h. Urgentmessageserviceandemergencytravelplanning.

i. AlltheseservicesareprovidedfreeofchargetoYou.


��

Transport Accident Cover TheANZFrequentFlyerVisaPlatinumTransportAccidentCoverhasbeen

issuedbyAmericanHomeAssuranceCompanyABN67007�83�67,AFSL�30903,JM06/00787,incorporatedwithLimitedLiabilityintheUSA,tradingasAIGAustraliaof5�9StKildaRoad,Melbourne,Victoria300�underaMasterPolicy:

TransportAccidentCover�300103533issuedtoAustraliaandNewZealandBankingGroupLimited(ANZ)ABN110053575��ofLevel6,100Queen,StreetMelbourne,VIC,3000.

ANZisnottheissueroftheANZFrequentFlyerVisaPlatinumTransportAccidentCoverandneitherANZnoranyofitsrelatedcorporationsguaranteeanyofthebenefitsunderthisPolicy.ThecoverisprovidedatnoadditionalcosttothePlatinumCardholderandANZdoesnotreceiveanycommissionorremunerationfromAIGAustraliaforarrangingtheInsurancePolicy.

NeitherANZnoranyofitsrelatedcorporationsareAuthorisedRepresentatives(undertheCorporationsAct�001)ofAIGAustralia.

ANZmayterminatetheANZFrequentFlyerVisaPlatinumTransportAccidentCoverwithAIGAustraliaatanytimeandwillprovidewrittennotificationtotheirPrimaryPlatinumCardholders.PurchasesmadeinaccordancewiththisANZFrequentFlyerVisaPlatinumTransportAccidentCoverbeforeanotificationtoterminatethecoverisgivenwillbecoveredunderthisANZFrequentFlyerVisaPlatinumTransportAccidentCover.PurchasesmadeafterthisnotificationtoterminateisgivenwillnotbeeligibleforcoverunderthisANZFrequentFlyerVisaPlatinumTransportAccidentCover.

Policy Administration and claim enquiries PleasecontactAIGAustraliaon

1800339665HeadOffice:5�9StKildaRoadMelbourneVic300�Phone:(03)95��979Fax:(03)95��0��

ANZ Frequent Flyer Visa Platinum Transport Accident Cover

ANZFrequentFlyerVisaPlatinumTransportAccidentCoverisabenefitofferedtoANZFrequentFlyerVisaPlatinumCardholders.ThiscoverprovidescertainaccidentaldeathandinjurybenefitsforPlatinumCardholderswhosustainanInjurywhileridingasapassengerin(notasapilot,driverorcrewmember),orboardingoralightingfromaplane,touristbus,trainorferryasoutlinedintheseTermsandConditions.IncertaincircumstancesthebenefitsalsoextendtothePlatinumCardholder’sSpouseandDependentChildren,providedtheyaretravellingwiththePlatinumCardholder.

ThecoverprovideddoesnotincludebenefitsasprescribedundertheInsuranceContractsAct198�andisonlyavailablewhen,beforetheTripiscommencedtheFullCostofYourTripincludingcharges,feesand/ortaxesischargedtothePlatinumCardholder’sEligiblePlatinumCreditCardAccount.

Important matters You should know about

You are under no obligation to accept this cover. However, if You wish to make a claim under this Cover, You will be bound by the Definitions, Terms and Conditions, Exclusions and Claims Procedures of this Cover. Therefore please read this document carefully and keep it in a safe place. Please also keep all purchase receipts, detailed particulars and proof of any loss You suffer and proof of Your eligibility for this Cover.

Transport Accident Cover

2�

definitions Forthepurposesofthiscover:

“Accident”–meansanysuddenandunexpectedphysicalforce,whichoccursonaTripandcausesaninjurythatisdescribedinthe“ScheduleofBenefits”.

“Platinum Cardholder” –meansaperson:

(i) beingapermanentAustralianresident;and

(ii) whoisprimarily(morethan75%ofyourtime)livinginAustralia;and

(iii) towhomANZhasissuedanEligiblePlatinumCreditCard.

Thisincludesjointandadditionalcardholders.

DuringtheperiodofinsuranceonlyonepersoniseligibletoclaimthebenefitspayabletothePlatinumCardholderandotherpersonscoveredunderthisPolicywouldonlybeeligibleasaSpouseorDependentChild.

“Dependent Child/Children” means–

(a) AllunmarriedchildrenofaPlatinumCardholderfrombirthtotheageof19wholivewiththePlatinumCardholder,or

(b) Unmarriedchildrenofacardholderfromtheageof19totheageof�5whoarefull-timestudentsattendinganaccreditedinstitutionofhigherlearninginAustralia,andaredependentuponthePlatinumCardholderfortheirmaintenanceandsupportandresideordinarilywiththePlatinumCardholderorlivewiththePlatinumCardholderwhentheyarenotattendingtheaccreditedinstitutionofhigherlearning,thataretravellingwithYouontheTrip.

“Eligible Platinum Credit Card”–meansacurrentandvalidANZFrequentFlyerVisaPlatinumcardissuedforEligiblePlatinumCreditCardAccounts.Thisdoesnotincludeanynon-PlatinumANZFrequentFlyerVisaorANZFrequentFlyerVisaGoldcardswhichdonotqualifyforthisCover.

“Eligible Platinum Credit Card Account”–meansacurrentandvalidANZFrequentFlyerVisaPlatinumcreditcardfacilityprovidedbyANZtowhichpurchasesmadebyPlatinumCardholdersonEligiblePlatinumCreditCardsarecharged.

“Full Cost of Your Trip”–meansallcharges,feesand/ortaxeswhichhavebeenpaidinfullfortheplane,touristbus,trainorferrytickets,priortothecommencementoftheTrip.

“Injury” –meanslossoflifeorbodilyinjury(butnotanillnessorsickness):

(a) causedbyanAccidentwhilstthisPolicyisinforce;and

(b) resultingindependentlyofanyothercause.

FurthermoreInjuryasusedwithreferenceto:

(i) handorfoot–meansthephysicalseveranceorentirelossoftheuseoftheentirehandbelowthewristorfootbelowtheankle;and/or

(ii) eye–meansirrecoverablelossoftheentiresightthereof.

“Insurer”–meansAmericanHomeAssuranceCompanyABN67007�83�67AFSL�30903tradingasAIGAustralia(‘AIGAustralia’).

“Primary Platinum Cardholder(s)”–meanstheperson(s)inwhosename(s)theEligiblePlatinumCreditCardAccountisopened.

“Spouse”–meansthePrimaryPlatinumCardholder’smarriedordefactopartnerwithwhomYouhavecontinuouslycohabitedforaperiodofthree(3)consecutivemonthsormoreandwhotravelswithYouontheTrip.

“Terrorist Act”–meansanyactualorthreateneduseofforceorviolencedirectedatorcausingdamage,Injury,harmordisruption,orcommittingofanactdangeroustohumanlifeorproperty,againstanyindividual,propertyorgovernment,withthestatedorunstatedobjectiveofpursuing


�6

economic,ethnic,nationalistic,political,racialorreligiousinterests,whethersuchinterestsaredeclaredornot.Robberiesorothercriminalacts,primarilycommittedforpersonalgainandactsarisingprimarilyfrompriorpersonalrelationshipsbetweenperpetrator(s)andvictim(s)shallnotbeconsideredTerroristActs.TerroristActsshallalsoincludeanyactwhichisverifiedorrecognisedbythe(relevant)governmentasanactofterrorism.

“Trip”–means

(a) AjourneybythePlatinumCardholderasapayingpassenger(notasapilot,driver,orcrewmemberetc.)inalicensedplane,touristbus,trainorferryauthorisedpursuanttoanystatute,regulation,bylawortheequivalentthereofforthetransportationofpassengersforhire.ProvidedthatbeforeboardinganyoftheabovetransportationtheFullCostofYourTripwaschargedtotheCardholder’sEligiblePlatinumCreditCardAccount,and

(b) AjourneybytheSpouseand/orDependentChildaspayingpassengers(notasapilot,driver,orcrewmemberetc.)inalicensedplane,touristbus,trainorferryauthorisedpursuanttoanystatute,regulation,bylawortheequivalentthereofforthetransportationofpassengersforhire.ProvidedthatbeforeboardinganyoftheabovetransportationthecostofthejourneywaschargedtothePlatinumCardholder’sEligiblePlatinumCreditCardaccountandtheyareaccompanyingthePlatinumCardholderwhoisonaTrip.

“We, Our, Us”–meansAmericanHomeAssuranceCompanyABN67007�83�67,AFSL�30903tradingasAIGAustralia(‘AIGAustralia’).

“You and Your”–meansaPlatinumCardholder.

Terms and Conditions TheBenefitslistedundertheScheduleofBenefitswillbepaidifthe

PlatinumCardholder,SpouseorDependentChildsufferalossasaresultofanInjurysufferedunderthecircumstancesspecifiedinpoints1,�,3or�asfollows:

1 TheInjuryissustainedonaTripwhileridingasapassengerorboardingoralightingfromalicensedplane,touristbus,trainorferry.

� TheInjuryissustainedwhileridingasapassengerin(notasapilot,driverorcrewmember),orboarding,oralightingfromalicensedtaxiorbusorhirevehicleauthorisedpursuanttoanystatute,regulation,by-lawortheequivalentthereofforthetransportationofpassengersforhire,providedthePlatinumCardholder,SpouseorDependentChildaretravellingdirectlytoorfromanairport,touristbusdepot,railwaystationordock,immediatelyprecedingorfollowingthescheduledTrip.

3 When,byreasonofanAccidentspecifiedin1or�above,aPlatinumCardholder,Spouse,orDependentChildisunavoidablyexposedtotheelementsand,asaresultofsuchexposure,suffersanInjuryforwhichindemnityisotherwisepayablehereunder,thelossshallbecoveredunderthetermsofthisPolicy.

� IfthebodyofthePlatinumCardholder,SpouseorDependentChildhasnotbeenfoundwithinoneyearofthedateofhis/herdisappearancearisingoutofanAccidentwhichwouldgiverisetoalossasspecifiedin1,�or3above,itwillbepresumedthatthePlatinumCardholder,SpouseorDependentChildsufferedlossoflifeasaresultofbodilyinjurycausedbytheAccidentatthetimeofhis/herdisappearance.

5 AbenefitpayableunderthePolicywillbepaidtotheinjuredPlatinumCardholderorSpouseor,intheeventoftheirdeaththebenefitwillbepaid


2�

totheirlegalrepresentative(s).IntheeventofanInjurytoaDependentChildthebenefitwillbepaidtothePlatinumCardholder.

Exclusions ThisPolicydoesnotcoveranyloss,fatalornon-fatal,causedbyor

resultingfrom:

(a) Suicideorself-destruction,oranyattemptatsuicideorself-destruction,whilesaneorinsane.

(b) Ahijackorwarorwar-likehostilities.

(c) AnyTerroristAct.

(d) Radioactivecontamination.

(e) Consequentiallossordamage,punitivedamages.

(f) ATrippurchasedpriorto1�November�006.

(g) Anintentionalorillegalorcriminalactof:

• thePlatinumCardholder,or

• apersonactingonthePlatinumCardholder’sbehalf,or

• thePlatinumCardholder’sdesignatedbeneficiary,executor(s)oradministrator(s)orlegalheirsorpersonallegalrepresentatives(s).

Schedule of Benefits WhenanAccidentresultsinanyofthefollowingInjurieswithinoneyearof

thedateoftheAccident,AIGAustraliawillpaytheamountshownoppositethesaidInjury.

IfmorethanoneInjuryresultsfromoneAccident,onlytheBenefitAmountforthegreaterInjurywillbepaid.

Injury as defined resulting in: Benefit Amount

LossofLife AU$750,000

Lossofbothhandsorbothfeet AU$375,000

Lossofonehandandonefoot AU$375,000

Lossofentiresightofbotheyes AU$375,000

Lossofentiresightofoneeyeandonehandoronefoot AU$375,000

Lossofonehandoronefoot AU$175,000

Lossofentiresightofoneeye AU$175,000

Limits on what AIG Australia will pay ThemostAIGAustraliawillpayinclaimsunderthisPolicy,resultingfromone

EventisAU$5,000,000regardlessofthenumberofPlatinumCardholders,Spousesand/orDependentChildrenwhowereinjuredintheevent.

ThismeansthatifasaresultofoneeventanumberofPlatinumCardholders,Spousesand/orDependentChildrenwereinjured,Wewillpayeachonaproportionalbasis(usingtheaboveschedule)uptoatotalofAU$5,000,000.Therefore,ifforexampleeight(8)PlatinumcardholderslosttheirlivesinthesameAccidentAIGAustraliawouldpayAU$6�5,000toeachoftheirlegalrepresentatives.

ThemaximumLossofLifecompensationpayableforaDependantChildisAU$�0,000.


�8

What to do in the event of a claim(1) AllclaimsshouldbeadvisedtoAIGAustraliawithin30daysorassoonas

practicalafterthecompletionoftheTrip.

(�) AllinformationAIGAustraliarequiresmustbesubmittedtoAIGAustraliainsupportofaTransportAccidentCoverclaim,suchasmedicalorpolicereportsorotherdeclarationsrequiredbyUs.

The Code of Practice AIGAustraliaisasignatorytotheGeneralInsuranceCodeofPractice.

Thisaimstoraisethestandardsofpracticeandserviceintheinsuranceindustry,improvethewaythatclaimsandcomplaintsarehandledandhelppeoplebetterunderstandhowgeneralinsuranceworks.InformationbrochuresontheCodeareavailableuponrequest.

dispute Resolution AIGAustraliahasdevelopedaninternalprocedureforthedispute

resolutionsothatifatanytimeourproductsorserviceshavenotsatisfiedYourexpectationsYoucancontactAIGAustralia.OurcomplaintsanddisputesresolutionprocedureswillhaveYourcomplaintreviewedbymanagement.Youwillhavearesponsewithin15workingdays.

IfthematterisunresolvedYourcomplaintcanbereferredtoAIGAustralia’sInternalDisputesResolutionCommitteewhowillrespondwithin15workingdaysofreceiptofYourcomplaint.

IfYouarestillunhappy,YoumaytakeYourcomplaint,atnocosttoYou,totheInsuranceOmbudsmanServiceLimitedABN�306��8�888(IOS).Thisisanexternaldisputeresolutionpanel,whichcanmakedecisionsbindingonAIGAustralia.FurtherinformationabouttheInsuranceOmbudsmanServiceisavailableonrequest.

Privacy Consent and disclosure AIGAustraliaisawhollyownedsubsidiaryoftheAmericanInternational

Group(“AIG”).

AIGAustraliahasadoptedtheNationalPrivacyPrinciples(“theNPPs”).TheNPPsmayapplytoanypersonalinformationcollectedbyAIGAustralia.

Purpose of Collection AIGAustraliacollectsinformationnecessarytounderwriteandadminister

Yourinsurancecover,tomaintainandtoimprovecustomerservice.YouhaveadutyundertheInsuranceContractsActtodisclosecertaininformation.FailuretocomplywithYourdutyofdisclosureortoprovidecertaininformationmayresultinAIGAustraliadecliningcover,cancellingYourinsurancecoverorreducingthatlevelofcover.

InthecourseofadministeringYourPolicyAIGAustraliamaydiscloseYourinformationto:

(i) anothermemberoftheAIGgroupofcompanieseitherinAustraliaoroverseas.

(ii) contractorsorthirdpartyprovidersprovidingservicesrelatedtotheadministrationofYourPolicy.

(iii) ANZandanymemberoftheANZgroupofcompaniesinvolvedinproductplanninganddevelopment.

(iv) Intheeventofaclaimassessors,thirdpartyadministrators,emergencyproviders,retailers,medicalprovidersandtravelcarriers.

AIGAustraliawillonlydiscloseYourpersonalinformationtothesepartiesfortheprimarypurposeforwhichitwascollected.InsomecircumstancesAIGAustraliaareentitledtodiscloseYourpersonalinformationtothird


2�

partieswithoutYourauthorisationsuchaslawenforcementagenciesorgovernmentauthorities.However,healthinformationrelatingtoYouoranymemberofYourfamilywillnotbedisclosedtotheseparties.

Access to your information YoumaygainaccesstoYourpersonalinformationbymakingawritten

requesttoAIGAustralia.

Insomecircumstances,AIGAustraliamaydenyaccesstoYourpersonalinformation.Circumstanceswhereaccessmaybedeniedincludewhereitwouldcompromisetheprivacyofotherindividuals,orwhereitwouldbeunlawful.

AIGAustraliahasalsoestablishedaninternaldisputeresolutionprocessforhandlingcustomercomplaintsandanaccessandcorrectionprocedure.Bothproceduresaregenerallyfreeofcharge,however,AIGAustraliareservestherighttochargeforaccessrequestsinlimitedcircumstances.

IfYoufeelYouhaveacomplaintaboutAIGAustralia’sInformationPrivacyPrinciples,requireassistanceinlodgingaprivacycomplaintorYouwishtogainaccesstotheinformation,YoumaywritetoThePrivacyManager,AIGAustralia,5�9StKildaRoad,Melbourne,ore-mailaustralia.privacy.manager@aig.com.YourcomplaintwillbereviewedandYouwillbeprovidedwithawrittenresponse.Ifitcannotberesolved,YourcomplaintwillbereferredtoAIGAustralia’sInternalDisputesResolutionCommitteewhowillrespondwithin15workingdaysofreceiptofYourcomplaint.

Ineithercasethematterwillbereviewedbyapersonorpersonswithappropriateauthoritytodealwiththecomplaint.ThePrivacyComplianceCommitteemayreferacomplainttothePrivacyCommissioneroranothercodeadjudicatorwhereitismoreappropriatetodoso.ApersonaggrievedbyadeterminationmadebythePrivacyComplianceCommitteemayapplytothePrivacyCommissionerforareviewofthedetermination.


30

Important information about the covers provided by Zurich

ZurichAustralianInsuranceLimited,ABN13000�966�0,AFSLicenceNo.�3�507,of5BlueStreet,NorthSydney,NSW�060(‘Zurich’),istheproductissuerofthefollowingcoversincludedinthisbookletwhichareeffectiveforpurchaseswherethefinalpaymentismadeonorafter1�November�006andareonlyavailabletocardholdersofANZ Frequent Flyer Visa Platinum credit cards:

• 90-dayPurchaseSecurityInsurance

• ExtendedWarranty

• BestPriceGuaranteeScheme

• InterstateFlightInconvenienceInsurance

ThesebenefitsareprovidedautomaticallytocardholdersundertheMasterAgreement78ANZPLATCCI,enteredintobetweenAustraliaandNewZealandBankingGroupLimitedABN110053575��ofLevel6100QueenStreet,MelbourneVIC,3000(“ANZ”)andZurichAustralianInsuranceLimited(‘Zurich’),ABN13000�966�0,AFSLicenceeNo�3�507of5BlueStreet,NorthSydney,NSW,�060.Inthisbooklet,Zurichmayalsobeexpressedas‘Zurich’,‘we’,‘us’or‘our’.

Althoughthebenefitsunderthecoversareautomaticallyprovidedtocardholders,cardholdersarenotobligedtotakethesebenefits.However,ifapersonwishestoclaimthesebenefits,theywillbeboundbytheDefinitions,TermsandConditions,ExclusionsandClaimsProceduresofthepolicies.

Zurichistheproductissuerofthecoversandthesebenefitsareprovidedatnoadditionalcosttothecardholder.ANZisnottheproductissuer(insurer)ofthesecoversandneitheritnoranyofitsrelatedcorporationsguaranteeanyofthebenefitsunderthesecoversandANZdoesnotreceiveanycommissionorremunerationinrelationtothesebenefits.NeitherANZnoranyofitsrelatedcorporationsareAuthorisedRepresentativesofZurichoranyofitsrelatedcompanies.

Please read this document carefully to ensure the benefits satisfy your requirements and keep detailed particulars and proof of any loss including the sales receipt and ANZ Frequent Flyer Visa Platinum credit card account statement showing any relevant purchases.

Termination of these covers ANZmayterminatethebenefitsunderanyoneorallofthecoversin

thisdocumentforallcardholdersoranindividualcardholder,andifsowillnotifyprimary cardholders(i.e.thepersonsinwhosenametheANZ Frequent Flyer Visa Platinum credit card accountisopened)ofthetermination.Purchasesfinalisedbeforeexpiryofthisnotificationwillstillbeeligibleforcover.However,purchasesfinalisedafterexpiryofthisnotificationwillnotbeeligibleforcover.

Privacy Zurichrespectsyourprivacy.Beforeyoumakeaclaimunderanyofthe

policiesinthisdocumentyoushouldknowthefollowingthings.

• Wedonotrequirepersonalinformationuntilaclaimismade.Wemay,however,needpersonalinformationtoassessclaims.Wewill,inrelevantcases,disclosethepersonalinformation(otherthansensitiveinformation


�1

suchashealthinformation)toANZ,theirserviceprovidersandbusinesspartnersinordertoallowthebanktomonitortheclaimsserviceweprovide,preventfraudandtoensureyouareeligibleforthecover.

• Wewillalso,whererelevant,disclosepersonalinformationincludingsensitiveinformation,suchashealthinformationtoourserviceproviders(includingmedicalpractitioners,otherhealthprofessionals,reinsurers,legalrepresentativesandlossadjusters).Bysubmittingpersonaldetails,thepersonconsentstothoseorganisationscollectingandusdisclosingpersonalandsensitiveinformationaboutyouforthispurpose.

• Alistofthetypeofserviceprovidersandbusinesspartnerswecommonlyuseisavailableonrequest,oronourwebsite.Gotowww.zurich.com.auandclickonthelinktoourPrivacylinkonourhomepage.

• Ifaclaimantdoesnotprovidetherequestedinformation,theassessmentofaclaimmaybedelayedorwemaynotacceptaclaim.

• Wemayalsodisclosepersonalinformationaboutpersonswherewearerequiredorpermittedtodosobylaw.

• Inmostcases,onrequestwewillgivepersonsaccesstothepersonalinformationweholdaboutthem.Insomecircumstances,wemaychargeafeeforgivingthisaccess,whichwillvarybutwillbebaseduponourcosts.

General Insurance Code of Practice AsamemberoftheInsuranceCouncilofAustraliaLimited,Zurich

subscribestotheGeneralInsuranceCodeofPractice.

ThepurposeoftheCodeistoraisethestandardsofpracticeandserviceinthegeneralinsuranceindustry.

TheCodeaimsto:

• constantlyimproveclaimshandlinginanefficient,honestandfairmanner;

• buildandmaintaincommunityfaithandtrustinthefinancialintegrityoftheinsuranceindustry;and

• providehelpfulcommunityinformationandeducationaboutgeneralinsurance.

Complaints and dispute resolution process Ifyouhaveacomplaintaboutaninsuranceproductissuedbyusora

serviceyouhavereceivedfromus,includingthesettlementofaclaim,pleasecalluson13�687.Wewillrespondtoyourcomplaintwithin15workingdaysprovidedwehaveallnecessaryinformationandhavecompletedanyinvestigationrequired.Ifmoreinformationorinvestigationisrequiredwewillagreereasonablealternativetimeframeswithyou.

Ifyouareunhappywithourresponseorwecannotagreeonreasonablealternativetimeframes,yourcomplaintwillberegisteredasadisputeanditwillbereviewedbyourinternaldisputeresolutionprocesswhichisfreeofcharge.

Wewillrespondtoyourdisputewithin15workingdaysprovidedwehaveallnecessaryinformationandhavecompletedanyinvestigationrequired.Ifmoreinformationorinvestigationisrequiredwewillagreereasonablealternativetimeframeswithyou.Wewillkeepyouinformedoftheprogressofourreviewatleastevery10workingdaysandgiveyouourresponseinwriting.

Ifyouareunhappywithourresponseorwecannotagreewithyouonreasonablealternativetimeframes,youcanreferthemattertotheexternaldisputesresolutionschemeofwhichweareamember.ThisschemeisadministeredbyInsuranceOmbudsmanServicesLimited(IOS).IOSwillreviewourdecisioninaccordancewiththeirtermsofreference.Youarenotboundbytheirdecision.However,weareboundtoactimmediately


3�

onIOS’sdecision.Thisisafreeserviceprovidedbyanindependentbody.BrochuresoutliningtheoperationsofIOSareavailablefromusortheInsuranceCouncilofAustraliainyourstateorterritory.YoucanphonetheIOSfromanywhereinAustraliaon1300780808orwritetothemat:

InsuranceOmbudsmanServicesLimitedPOBox561,CollinsStreetWest,Melbourne,Vic,8007.Email:[email protected]

definitions and interpretation Thefollowingkeywords(and/theirplurals)whenarehighlightedinitalics

havespecialmeaninginthecoversincludedinthisdocument.

“act of terrorism”meansanact,includingbutnotlimitedtotheuseofforceorviolenceand/orthethreatthereof,ofanypersonorgroup(s)ofpersons,whetheractingaloneoronbehalfoforinconnectionwithanyorganisation(s)orgovernment(s),whichfromitsnatureorcontextisdonefor,orinconnectionwith,political,religious,ideologicalorsimilarpurposesorreasons,includingtheintentiontoinfluenceanygovernmentand/ortoputthepublic,oranysectionofthepublic,infear.

“ANZ Frequent Flyer Visa Platinum credit card”meansacurrentandvalidANZFrequentFlyerVisaPlatinumcreditcardissuedbyANZforanANZ Frequent Flyer Visa Platinum credit card account.

“ANZ Frequent Flyer Visa Platinum credit card account”meansacurrentandvalidANZFrequentFlyerVisaPlatinumcreditfacilityprovidedbyANZtowhichpurchasesmadebycardholdersarecharged.

“Australia”meanstheareaenclosedbytheterritorialwatersoftheCommonwealthofAustraliawhereMedicarebenefitsarepayableand“Australian”hasacorrespondingmeaning.

“Australian warranty,”meansthemanufacturer’sexpressedwrittenwarranty,thatisapplicableandabletobefulfilledwithinAustraliaandwhichhasbeenproperlyregisteredwiththemanufacturer.

“cardholder”meansapersonwhopermanentlyresidesinAustraliaandtowhomANZhasissuedanANZ Frequent Flyer Visa Platinum credit card.Thisincludesadditionalcardholders.Ifafamilyistravellingtogetheronlyonepersoncanclaimthebenefitspayabletothecardholder.Theotherscanonlyclaimasaspouseordependent child.

“dependent child/children”means

• allunmarriedchildrenofacardholdertoandincludingtheageof19whoalwayslivewiththecardholder,and

• unmarriedchildrenofacardholderfromtheageof19toandincludingtheageof�5whoarefull-timestudentsattendinganaccreditedinstitutionofhigherlearninginAustralia,andaredependentuponthecardholderfortheirmaintenanceandsupportandalwayslivewiththecardholderorlivewiththecardholderwhentheyarenotattendingtheaccreditedinstitutionofhigherlearning.

“interstate flight”meanstravelonaregisteredpassengerairline(butnotchartertrips)toorfromanyAustralianstateorterritory.

“personal good(s)”includesallnewpersonalpropertyacquiredforpersonaldomesticorhouseholduse,butdoesnotinclude:

• articlesacquiredforthepurposeofre-supply/re-sale;or

• articlesacquiredfortransformationinabusiness;or

• articlespurchasedinabusinessname;or

• businessownedorbusinessrelatedarticles;or


��

• animalsorplantlife;or

• computersoftwareornontangiblearticles;or

• cash,bullion,negotiableinstruments,tradingcards,lotteryticketsorothergamblingrelatedarticles,ticketsofanydescription,travellerscheques,orcollectionssuchasstamps,coinsandcards;or

• consumableorperishablearticles(includingbutnotlimitedtofood,drugs,fueloroil);or

• boats,automobiles,motorboats,airplanesoranyothermotorisedvehiclesandtheirintegralpartsandinstalledaccessories;or

• second-handarticles,includingantiques;or

• articlesofcontraband;or

• realestateandmovablefixturesorfittings(includingbutnotlimitedtodishwashersandfixedairconditioners)whichare,orareintendedtoformpartofanyhomeorrealestate;or

• articlesacquiredforapurchasepriceexceedingA$10,000.

“pre-existing medical condition”isrelevanttothecardholder,anyrelative,travel companionoranyotherpersonthatmaygivecauseforyoutoclaimandmeans:

• anyexistingmedicalcondition,includingbutnotlimitedtomentaldisorder,anxiety,alcoholism,drugaddictionorpregnancyand/oranychronicorongoingphysical,medicalordentalcondition,forwhichinvestigation(whetherornotadiagnosishasbeenmade),treatmentoradvicehasbeenreceived,ormedicationprescribedortakenatanytimebeforeyoupaidforyour interstate flight fares;

• anycondition,includingbutnotlimitedtomentaldisorder,anxiety,alcoholism,drugaddictionorpregnancyand/oranyphysical,medicalordentalcondition,forwhichinvestigation(whetherornotadiagnosishasbeenmade),treatmentoradviceisreceived,ormedicationprescribedortaken,afteryoupaidforyour interstate flightfares,butpriortothecommencementofyourinterstateAustralianholiday;and

• anycomplicationarisingfromanysuchconditionoutlinedabove,exceptthatunexpected/unforeseeneventsrelatingtopregnancyarenotregardedasapre-existing medical condition.

“relative”meansthecardholder’s:

• spouse;or

• parent,parent-in-law,step-parent,guardian;or

• grandparent;or

• child,grandchild,stepchild;or

• brother,brother-in-law,sister,sister-in-law;or

• daughter,daughter-in-law,son,son-in-law;or

• fiancé,fiancée;or

• uncle,aunt;or

• half-brother,half-sister;or

• niece,nephew.

“rental vehicle”meansarentedpassengervehiclerentedfromalicensedmotorvehiclerentalcompany.

“spouse”meansalegaloradefactopartnerofthecardholderwhoispermanentlylivingwiththecardholderatthetimethejourneystartsorapersonmarriedtothecardholder.Wemayaskforproofofanyrelationship.


3�

“unattended”means(butisnotlimitedto)yourpossessionsarenotwithyouorareinapositionwheretheycanbetakenwithoutyouknowingorbeingabletopreventthemfrombeingtaken.

“you”, “your”, “yours”, “yourself”meansthecardholderorthecardholder’s spouseorcardholder’s dependent childrenprovidedtheyareeligiblefortheinsurance.

Excess – what you contribute to a claim Excessesmayapplytocertainsectionsofcover.Anexcessisnotan

additionalfee,chargedbyusatthetimeofmakingaclaim.Rather,itistheuninsuredfirstportionofalossforwhichyouareotherwisecovered.(i.e.theamountthatyoumustcontributetowardseachclaim).DetailsoftheExcessamountsandcircumstancesinwhichtheywillbeappliedareasfollows:

• InterstateFlightInconvenienceInsurance–youmustpaythefirstA$75foreachclaimmadeunderbenefits�&�.

• BestPriceGuaranteeScheme–youmustpaythefirstA$75foreachclaim.

Repairing or Replacing damaged personal items/personal goods

Ifapersonalitem/personal goodisdamaged,lostorstolenwemaychooseto:

• repairthearticle;

• replacethearticle,lessdepreciation.Thismeanswewillreplacethearticleforanamountequaltoitsoriginalcost,lessadepreciationfigurewhichtakesintoaccountitsageandcondition;or

• payyoutheamountitwouldcostustoreplacethearticlelessdepreciation.

Ifyouboughtthearticledutyfreeoroverseastheamountyoupaidforthearticlewillbethemaximumamountpaidbyus.

Wherethearticleispartofapairorset,youwillreceivenomorethanthevalueoftheparticularpartorpartslost,stolenordamaged,regardlessofanyspecialvaluethatthearticlemayhavebywayofbeingpartofsuchpairorset.

Safety of your personal items/personal goods youmusttakealladequateandreasonableprecautions(consideringthe

valueofthearticles)toprotectyourpersonalitems/personal goodsandyouarenotcoveredifyoudonottakereasonableprecautions(consideringthevalueofthearticle)toprotectyourpersonalitems/personal goods.

Personalitems/personal goodsis/arenotcoveredunderanyoftheinsurancesifleft:

• unattendedinapublicplace;or

• unattendedinanunlockedmotorvehicle;or

• unattendedinamotorvehicleinviewofsomeonelookingintothemotorvehicle;or

• unattendedinamotorvehicleovernight;or

• behind,forgottenormisplaced;or

• withapersonwhostealsordeliberatelydamagesthem.

A‘publicplace’includes,butisnotlimitedtoshops,airports,busdepots,streets,hotelfoyer(andhallwaysandgrounds),planes,buses,restaurants,beaches,publictoilets,carparks,officeareas,behindornearcounters,housingandhostelcommonareas,unlockedhostelandhotelroomsandanyplacewhichisaccessibletothepublic.


��

Reporting lost, stolen or wilfully damaged items/personal goods

Intheeventthatyourpersonalitems/personal goodsarestolen,wilfullydamagedoraccidentallylost,youmustmakeareporttothePoliceortothenearestgovernmentagencyorauthority.youmustdothiswithin��hoursoflearningofthetheft,lossordamageandthereportmustlistanddescribethemissingordamagedpersonalitems/personal goods.

Ifthelossorwilfuldamageoccursoverseas,acopyofthisreportmustbeobtainedandtheauthoritymustsignthecopyandwriteonitthatitisatrueandaccuratecopyoftheoriginal.

Enquiries• AdditionalcopiesofthisdocumentcanbeobtainedbyphoningANZon

13��73orvisitwww.anz.com/anzfrequentflyervisa

• Ifyourequirepersonaladviceonanyofthesecovers,pleaseseeyourinsuranceadviser.

• Ifyouwishtomakeageneralinquiryregardingthecoveroutlinedinthisdocumentyoucanphoneuson18006�8093,howeverpleasemakesureyouhavethisdocumentonhandwhenyouphoneus.

Insurance exclusions – what is not covered by Zurich Inanyformofinsurancetherearesituationsthatarenotcovered.Whilst

wetrytoextendourcovertomostsituations,wearenotabletoinsuresomesituationsbecauseofthecostsortypesofeventsinvolved.

Inadditiontoanyspecificexclusionscontainedinanyindividualcoverinthisdocument,thefollowingexclusionsapplytoallthecoversprovidedbyZurichinthisdocument:

• Wedonotinsureyouforanyeventthatiscausedbyorarisesasaresultofanypre-existing medical conditionofyours,arelativeoranyotherpersonthatmaygivecauseforyoutoclaim.

• Wedonotinsureyouinregardtoanytravelthat:

– youbookortakeagainstmedicaladvice;or

– youtakeforthepurposeofgettingmedicaltreatmentoradvice;or

– youtakeafteraqualifiedandregisteredmemberofthemedicalprofessioninformsyouthatyouareterminallyill.

• Wedonotinsureyouforanyeventthatiscausedbyorarisesfrom:

– anyeventthatisintentionallycausedby,youorbyapersonactingwithyourconsent(includingsuicideorattemptedsuicide);or

– yourconsciousexposuretoexceptionaldangerunlessinanattempttopreserveyourlifeorthelifeofanotherperson;or

– youbeingundertheinfluenceofliquorordrugs;or

– yourinvolvementinillegalactivities,fraudorabuse;or

– yourunderwateractivitiesthatinvolveusingartificialbreathingequipment(unlessyouhaveanopenwaterdivinglicenceoraredivingwithaqualifiedandregistereddivinginstructor);or

– yourmountaineeringorrockclimbing(ifyouneedtouseclimbingequipment,ropesorguides),whitewaterraftingorboating,abseiling,bungyjumping,potholing,runningwiththebulls,cavingortobogganing;or

– yourracing(otherthanfoot);or

– yourparticipationinanykindofprofessionalsport;or

– sportingequipmentwhileitisbeingused;or


36

– yourairtraveloranyaerialactivity(forexample,hang-gliding,basejumpingandskydiving).Butifyouareapaidpassengerinafullylicensedcommercialpassengeraircraft,wedoinsureyou;or

– anyactivitiesinvolvinghuntingequipmentorprojectiles(e.g.shootingandarchery);or

– yourparticipationinmotorcycling,unless

– itinvolvesahiredmotorcyclewithanenginecapacityof�00ccorless;and

– youarethedriver;and

– youholdacurrentAustralianmotorcyclelicence;but

– wenevercoveranyeventthatiscausedbyorarisesfrommotorcycleracing;or

– yourparticipationasacrewmemberorpilotofanyconveyance;or

– anyact of terrorism;or

– anywarorwarlikeactivities,whetherwarhasbeenformallydeclaredornot,anyhostilities,rebellionorrevolution,orcivilwar,militarycoup,oroverthrow/attemptedoverthrowofagovernment/militarypower;or

– anypersonororganisation,wholawfullydestroysorremovesyourownershiporcontrolofanyproperty/personal goods;or

– anygovernmentprohibitionorrestrictionsorgovernmentcustoms,orothergovernmentauthorities,delayingordetainingyouorseizingorkeepingyourbaggage;or

– anyitemthatisbrittleorfragile(exceptphotographicorvideoequipment),unlessthelossordamageiscausedbythieves,burglars,fire,oranaccidentinvolvingthemeansoftransportinwhichyouaretravelling;or

– non-receiptoftheproperty/personal goodsthatyouhavepurchasedandisbeingtransportedtoyou;or

– personal goods/personalitemswhilstbeingtransportedunderafreightagreementorbypostalorcourierservices;or

– jewellery,watches,cameras,mobilephones,electricalarticlesorlaptopsinamotorvehicleorbeingcarriedinbaggage/luggage,unlesshand-carriedandunderyourpersonalsupervision;or

– yourfailuretocomplywiththerecommendedsecurityguidelinesfortheuseofbankorcurrencynotes,cheques,creditcard,postalormoneyordersorpetrolcoupons;or

– younottakingalladequateprecautions(consideringthevalueofthearticles)toprotectyourproperty/personal goodsoriftheproperty/personal goodsareleft:

– unattendedinapublicplace;or

– unattendedinanunlockedmotorvehicle;or

– unattendedinamotorvehicleinviewofsomeonelookingintothemotorvehicle;or

– unattendedinamotorvehicleovernight;or

– behind,forgottenormisplaced;or

– withapersonwhostealsordeliberatelydamagesthem.

A‘publicplace’includes,butisnotlimitedtoshops,airports,busdepots,streets,hotelfoyer(andhallwaysandgrounds),planes,buses,restaurants,beaches,publictoilets,carparks,officeareas,behindornearcounters,housingandhostelcommonareas,unlockedhostelandhotelroomsandanyplacewhichisaccessibletothepublic;or

– disappearanceoftheproperty/personal goodsincircumstanceswhichcannotbeexplainedtooursatisfaction;or


��

– radioactivity,radioactivitycontaminationortheuse,existenceorescapeofanynuclearfuel,nuclearmaterialornuclearwaste;ordeterioration,normalwearandtear,or

– anydefectiveitemoranydefectinanitem,ordamagearisingfrominherentdefectsinanitemoranelectricalormechanicalfaultorbreakdown,unlesscoveredundertheExtendedWarrantycover;oranyprocessofservicing,repairingorrestoringanitemunlesswehavegivenpriorapproval;or

– laundering(includingwashing,ironinganddrycleaning)whetherbyprofessionalpersonsorotherwise;or

– verminorinsects,mildew,atmosphericorclimaticconditions,orflood;or

– anyprocessofservicing,repairingorrestoringanitemunlesswehavegivenpriorapproval.

Claims procedures PleasedonotcontactANZintheeventofaclaim,asANZdoesnotapprove

claimsandisnotinvolvedinprocessingtheclaims.

Ifyouwanttomakeaclaimunderanyofthesecovers,youmust:

1. Contactuson18006�8093within30daysoflearningofanoccurrence(loss,damageorbreakdown)thatmayresultinaclaim.However,ifyouaremakingaBestPriceGuaranteeSchemeclaim,youmustcontactuswithin�1daysofthepurchaseofthepersonal good.

Wemayrequireyoutocompleteawrittenlossreport.Ifwedo,wewillprovideyouwiththeformswhichshouldbereturnedtouswithin30daysafteryoureceivethem.

Note:Failingtocontactusorreturnthecompletedlossreport(ifrequired)withinthetimesstatedmightresultindenialoftheclaim.

�. youmustprovideuswithanyevidence/documentationwerequiretoverifyyourclaim.Dependingonthecoveryouareclaimingfor,thismightinclude(butisnotlimitedto)anyofthefollowing:

– proofthatyouareeligibleforinsurancecover–e.g.your ANZ Frequent Flyer Visa Platinum credit card accountstatementandcreditcardreceipt;

– ifitemsarestolen,wilfullydamagedoraccidentallylostyoumustgiveusthepolicereportnumber,oriftheincidentoccurredwhilstyouwereoverseas,acopyofthereportyouobtainedfromthepoliceornearestgovernmentagencyorauthority.Thereportshouldbecertifiedbytherelevantauthorityasbeingatrueandcorrectcopyoftheoriginal;

– proofof yourownershipofanylost,stolenordamagedarticlesordefectivearticles–e.g.purchasereceipts;

– evidenceofyourinterstate flight/intendedinterstate flight–e.g.ticket,travelagent’sitineraryshowingdetailsofyourinterstate flightoraletterfromtheairline;

– evidenceofthedelay,includinginthecaseofluggagedelay,alostproperty/delayedpropertyreportissuedbytheairline;

– receiptsforanyarticlesyoubuytoreplacethosethatwerelostorstolenorpurchasedasemergencyreplacementofyourclothesandtoiletries;

– ifanyarticlesarelostorstolenduringthetimethatacarrierwasresponsibleforlookingafterthem,youmustgetaletterfromthecarrierexplainingwhathappenedandstatingtheamountofrefundyoureceivedfromthem;

– anydamagedarticlesforwhichyouareclaimingsothattheycanbeinspectedbyusorourauthorisedrepresentative;


38

– aquote(atyourexpense)forthereplacementoflostorstolenarticles,orquote(notingtheserialnumberforExtendedWarrantyclaims)fortherepairofdamagedorbrokendownarticles.Wewillhoweverpaythereasonablecostofthequoteifweagreetopaytheclaim;

– copyoftheAustralian warrantyifclaimingundertheExtendedWarrantypolicy;

– inregardtotheBestPriceGuaranteeScheme,werequireevidencethatthecheaperitemisthesame(i.e.modelnumber,modelyear,andmanufacturer)asthepersonal good youpurchased,andwerequireacopyoftheprintedcatalogueadvertisingthecheaperitem,andevidencethattheadvertisementwasprintedafteryoupurchasedthepersonal good.

Subrogation and you must assist Zurich with your claim Whenmakingaclaimyoumustadviseusofanydetailsofanyother

insuranceunderwhichyouareentitledtoclaim.

youmustalso,asfarasallowedbylaw,giveusalltheassistancewemayrequiretoinstituteproceedingsagainstotherpartiesforthepurposeofenforcingrightsorremediestowhichwewouldbecomeentitledorsubrogatedupon,bymakinggoodanylossordamageunderanyofthecoversincludedinthisdocument.

Fraudulent claims WhenmakingaclaimyouhavearesponsibilitytoassistZurichandtoact

inanhonestandtruthfulmanner.

Ifanyclaimisfraudulentinanywayorifyouoranyoneactingonyourbehalfusesfraudulentmeanstomadeaclaimonanyofthecoversinthisdocument,thennopaymentwillbemadeinregardtotheclaim.AlsoANZwillbeinformedofthesituationandyoumaynolongerbeeligibleforanyoftheinsurancesandPriceguaranteecovercontainedinthisdocument.


��

90-day Purchase Security Insurance 90-dayPurchaseSecurityInsuranceisabenefitavailabletoANZ Frequent

Flyer Visa Platinum cardholders.Thiscoverprovides3monthsofinsuranceagainstloss,theft,oraccidentaldamageoverawiderangeofnewpersonal goodspurchasedanywhereintheworld,providedthepurchaseischargedtothecardholder’s ANZ Frequent Flyer Visa Platinum credit card account.

Thisinsuranceprovidesautomaticprotectionforpersonal goodswhentheirpurchaseischargedtoanANZ Frequent Flyer Visa Platinum credit card accountunlessthepersonal goodsand/orclaimsareexcludedbythedefinitions,termsandconditions,orexclusions,orthecardholderfailstocomplywiththeclaimsprocedures.

Thepersonal goodsareinsuredanywhereintheworldfor3monthsfromthedateofpurchaseintheeventofloss,theftoraccidentaldamage.However,thereisnocoveruntilyouhavetakenpossessionofthepersonal goods.

TheliabilityofZurichforclaimsmadepursuanttothisinsuranceshallnotexceedthelesserof:

• theactualamountchargedtothecardholder’s ANZ Frequent Flyer Visa Platinum credit card account topurchasethepersonal good;or

• A$3,500perclaiminrespectofjewellery,watchesandfinearts;or

• A$135,000inany1�monthperiodinrespectofanyoneANZ Frequent Flyer Visa Platinum credit card account.

90-day Purchase Security Insurance

�0

Extended Warranty ExtendedWarrantyisabenefitavailabletoANZ Frequent Flyer Visa

Platinum cardholders.Thecoverextendsthemanufacturer’sexpressedAustralian warrantyonpersonal goodspurchased,providedthepurchaseischargedtothecardholder’seligibleANZ Frequent Flyer Visa Platinum credit card account.TheinsurancedoesnotaffecttherightsofcardholdersagainstamanufacturerinrelationtocontraventionofstatutoryorimpliedwarrantiesunderAustralianlegislation.

TheinsurancecovercomesintoeffectattheendoftheAustralian warrantyperiodthatappliestothepersonal good(s),providedtheAustralian warrantyisfornomorethan5years.

Onlyarticleswithamanufacturer’suniqueidentificationserialnumberonthemarecoveredunderthisinsuranceandtheextendedwarrantyperiodwillbeforaperiodoftimeequivalenttotheAustralian warrantyperiod,uptoamaximumofonefullyear.

Forexample:

Australian warranty period Extended warranty period

7days 7days1�days 1�days1month 1month6months 6months1to5years 1yearover5years nocover

ThisExtendedWarrantyonlycoversthefailureofpersonal goodstooperateforthepurposeforwhichtheyweredesignedasaresultofabreakdownordefect,providedthebreakdownordefectiscoveredbythetermsoftheAustralian warranty.

TheliabilityofZurichforclaimsmadepursuanttothisinsuranceshallnotexceed:

• theactualAustraliandollarpurchasepriceofthepersonal goodchargedtoanANZ Frequent Flyer Visa Platinum credit card account;and

• ina1�monthperiodthesumofA$10,000perANZ Frequent Flyer Visa Platinum credit card account.

Ifaclaimistobepaidunderthisinsuranceyoumustobtainourapprovalpriortoproceedingwithanyrepairsorreplacementofthepersonal goodswhichhavebrokendownoraredefective.

Extended Warranty

41

Best Price Guarantee Scheme BestPriceGuaranteeSchemeisabenefitavailabletoANZ Frequent Flyer

Visa Platinum cardholderswhennewpersonal goodsarepurchasedanywhereinAustraliaandtheentirecostischargedtothecardholder’s ANZ Frequent Flyer Visa Platinum credit card account.

Thisschemeguaranteesthecardholdergetsthebestpriceif,within�1daysafterthepurchaseofapersonal good,theyadviseusthattheyhavesubsequenttotheirpurchase,receivedaprintedcatalogueshowingthesamepersonal good(samemodelnumberandsamemodelyear),bythesamemanufacturer,foralowerpricefromastorewithin�5kilometresofthestorefromwherethepersonal goodwaspurchased,andthepricedifferenceisgreaterthanA$75.

Thecheaperpersonal goodmustbe:

• thesamemodelnumber;and

• samemodelyear;and

• producedbythesamemanufacturerasthe personal good youhadpreviouslypurchased.

Thecatalogueshowingthecheaperarticlemusthavebeenprintedafterthedate youpurchasedthepersonal good.

youmustreport(makeaclaim)thecheaperarticletoZurichwithin�1daysofthepurchaseofthepersonal good.ThisisbecauseunderthisBestPriceGuaranteeSchemeZurichonlyprovidescoverforcheaperarticlesreportedwithin�1daysofthedateofpurchaseoftheoriginalpersonal good.

ProvidedthepricedifferenceisgreaterthanA$75youwillberefundedthepricedifferenceuptoA$300.

Best Price Guarantee Scheme

��

Interstate Flight Inconvenience Insurance

InterstateFlightInconvenienceInsuranceisavailabletoANZ Frequent Flyer Visa Platinum cardholderswhilsttheyareonaninterstateAustralianholidayofupto1�daysprovidedthecardholderchargestheentirecostoftheirreturninterstate flightfare(butnottaxes,orairportortravelagent’scharges)tothecardholder’s ANZ Frequent Flyer Visa Platinum credit card account.

Thiscoversextendstothecardholder’s spouseand/ordependent childrenwhoaretravellingwiththecardholderfortheentireholidayandwhohavealsohadtheentirecostoftheirreturninterstate flightfares(butnottaxes,orairportortravelagent’scharges)chargedtothecardholder’s ANZ Frequent Flyer Visa Platinum credit card account.

Exceptforthecancellationcover,theothercoversincludedinthispolicyareavailableforaperiodof1�daysfromthedatethecardholder,spouseanddependent child leavestheirAustralianhometotraveldirectlytotheairportfromwheretheyarecatchingtheirinterstate flight.Thecoverwillceaseafterthis1�dayperiodorearlierifthecardholder, spouse and dependent childreturntotheirAustralianhomewithin1�days.

ThiscoverisnotdesignedtoprovidetravelinsurancebenefitsasprescribedundertheInsuranceContractsAct198�.

Benefits

1. Delays

Flight delayIftheintendedinterstate flightisdelayedbyfourhoursormoreandnoalternativetransportismadeavailable,thecardholderisentitledtochargeuptoA$50perpersontotheirANZ Frequent Flyer Visa Platinum credit card accountformealsandrefreshmentsuptoatotalofA$100.

12 Hour luggage delayIffollowinganinterstate flight,yourluggagecontainingclothesandtoiletriesisdelayedingettingtoyouforover1�hours,thecardholderisentitledtochargeuptoA$75perpersontotheirANZ Frequent Flyer Visa Platinum credit card accountforessentialclothingandtoiletries,uptoatotalofA$�50.

2. Loss or damage to personal items

Weinsureyouduringyourholidayforthetheftandaccidentallossordamagetoclothingandyourpersonalitems(butnotlaptopcomputersorbusinessownedarticles,businessrelatedarticlesorarticlespurchasedinabusinessname)thatyouhavewithyou.

WewillpayuptoavalueofA$�50foreachitemtoamaximumofA$1,�00intotal.

3. Funeral expenses as a result of accidental death

Ifwhilstontheinterstateholiday,youdieasaresultofinjuriescausedaccidentallydirectlyandsolelybyasuddenphysicalforce(butnotillnessordisease),wewillpayforyourfuneralexpensesuptoA$�,�50perpersontoamaximumofA$�,500.

Byfuneralexpenseswemean:–

• thereasonablecostsofreturningyourremainsorashestoyourhometown/cityinAustralia;and/or

• thereasonablecostofyourfuneralorcremation.


4�

4. Cancellation of domestic travel arrangements

Underthissectionwecoveryou,afterthepaymentoftheentirecostofyourreturninterstate flightfares,toamaximumA$1,500,ifholidaytravelarrangementsyouhavepaidfor(butnotbusinessrelatedtravel)arecancelledforanyofthefollowingreasons.

• you,orarelativeunexpectedly:

– dies;

– isseriouslyinjured;or

– becomesseriouslyill.

Wewillneedtoseemedicaladvicewrittenbyaqualifiedandregisteredmemberofthemedicalprofessionregardinganyoftheaboveeventsandbesatisfiedthattheexpensesinvolvedarereasonableinamountandreasonablynecessary.

• yournormalresidenceinAustraliaistotallydestroyedbutnotasanact of terrorism;

• youarequarantined;

• youaresubpoenaedtoattendcourtinAustralia;

• yourarrangedtraveliscancelledordelayedbythecarrierbecauseofunexpectednaturaldisasters;or

• thecardholderorspouseisunexpectedlyretrenched.Thisdoesnotincludevoluntaryretrenchmentorredundancy.

Thiscancellationcoverwillcease1�daysafteryouleaveyourAustralianhometotraveldirectlytotheairportfromwhereyouarecatchingyour interstate flightorwhenyoureturntoyourAustralianhomeifyoureturntoyour Australianhomebeforethe1�dayshasexpired.

5. Rental vehicle excess cover

Wewillreimburseyouupto$1,�50foranyexcessordeductiblewhichyoubecomelegallyliabletopayinrespectoflossordamagetoarental vehicleduringtherentalperiodprovided:

• therental vehiclemustberentedfromalicensedrentalagency;and

• thehiringagreementmustincorporatethestandardcomprehensivemotorinsurancenormallyprovidedbytherentalagencycoveringlossordamagetotherental vehicle;and

• youmustcomplywithalltherequirementsoftherentalorganisationunderthehiringagreementandoftherental vehicleinsurer.

But we will not pay for…

Wewillnotpayforyourcostsarisingfrom:

• lossordamageresultingfromtheoperationoftherental vehicleinviolationofthetermsoftherentalagreement;or

• wearandtear,gradualdeterioration,damagefrominsectsorvermin,inherentviceordamage;or

• drivingtherental vehicleonnon-publicroads.


Aust

ralia

and

New

Zea

land

Ban

king

Gro

up L

imit

ed (A

NZ)

AB

N 1

1 00

� ��

� �2

2. I

tem

No.

��1

�8 1

1.20

0� W

1200

4�

Date post:	03-May-2018
Category:	Documents
Upload:	hoangkhuong
View:	216 times
Download:	2 times