CHANGES TO COMPLIMENTARY INSURANCES We are writing to let you know that Allianz Global Assistance are making changes to the Premium Cards - Insurances, Insurance Policy Information booklet effective from 2 October 2019. You are receiving this notification because you have one of the following products: • ANZ Frequent Flyer Platinum • ANZ Frequent Flyer Black • ANZ Rewards Platinum • ANZ Rewards Travel Adventures • ANZ Rewards Black • ANZ Platinum • ANZ Low Rate Platinum WHAT IS CHANGING? A summary of changes to the Premium Cards - Insurances, Insurance Policy Information booklet is detailed in this booklet. However, we also encourage you to read the new Premium Cards - Insurances, Insurance Policy Information booklet effective from 2 October 2019 available at anz.com/allianz for details of the changes.
Transcript
CHANGES TO COMPLIMENTARY INSURANCES
We are writing to let you know that Allianz Global Assistance are making changes to the Premium Cards - Insurances, Insurance Policy Information booklet effective from 2 October 2019. You are receiving this notification because you have one of the following products:
• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer Black
• ANZ Rewards Platinum
• ANZ Rewards Travel Adventures
• ANZ Rewards Black
• ANZ Platinum
• ANZ Low Rate Platinum
WHAT IS CHANGING?
A summary of changes to the Premium Cards - Insurances, Insurance Policy Information booklet is detailed in this booklet. However, we also encourage you to read the new Premium Cards - Insurances, Insurance Policy Information booklet effective from 2 October 2019 available at anz.com/allianz for details of the changes.
The changes include the correction of some errors in the Tables of Benefits section of the booklet for Overseas Travel and Medical Insurance which have now been updated to set out the maximum limits of what Allianz Global Assistance will pay in the event of a successful eligible claim. Overseas Travel and Medical Insurance has been renamed International Travel Insurance in the replacement booklet.
Allianz Global Assistance processes which may impact how eligibility for cover is assessed are also changing and may continue to change from time to time. Please note that not all Pre-Existing Medical Conditions are covered by International Travel Insurance. Each time you travel, you will need to meet the eligibility criteria and apply for confirmation of cover before going overseas for any pre-existing medical conditions you have, not listed in the Premium Cards - Insurances, Insurance Policy Information booklet.
WHAT DOES THIS MEAN FOR ME?
You should review the changes to the Premium Cards - Insurances, Insurance Policy Information booklet and consider if the cover suits your needs, financial situation and objectives. If the event causing your claim occurs before 2 October 2019, ANZ Premium Cards - Insurances, Insurance Policy Information Booklet with effective date of 11 April 2018 will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim. If the event causing your claim occurs on or after 2 October 2019, ANZ Premium Cards - Insurances, Insurance Policy Information Booklet with effective date of 2 October 2019 will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim1.
3
WANT TO FIND OUT MORE?
If you have any questions about the changes to the Premium Cards - Insurances, Insurance Policy Information booklet please visit anz.com/allianz or call Allianz Global Assistance on 1300 135 271.
If you feel your ANZ credit card account is no longer the most suitable product for you, ANZ has a range of products available.
Thank you for making ANZ your bank. We look forward to continuing to serve you in the future.
Kind regards,
ANZ Credit Cards & Personal Lending Team
Important Information:Complimentary insurances: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allow eligible ANZ account holders and cardholders to claim under the Group Policy as third party beneficiaries.
If the event causing your claim occurs before 2 October 2019, the Premium Cards – Insurances, Insurance Policy Information booklet with effective date of 11 April 2018 will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim. If the event causing your claim occurs on or after 2 October 2019, the Premium Cards – Insurances, Insurance Policy Information booklet with effective date of 2 October 2019 at anz.com/allianz will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim and which may be amended from time to time.
ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
1. Eligibility criteria, terms, conditions, limits and exclusions for claims may change from time to time. ANZ does not guarantee this insurance.
The below table provides an overview of the changes to the Premium Cards Insurances, Policy Information booklet. All changes are effective 2 October 2019 unless otherwise specified.
Section/Clause
What is changing? Booklet reference
Contents and structure
The contents of the booklet is now set out within the following sections:Important Information About the Complimentary Covers ProvidedPart A - Eligibility & Activation of Cover Part B – Period of CoverPart C – Tables of Benefits Part D – Excesses and General ExclusionsPart E – The cover we provideClaims Complaints & DisputesGeneral Insurance Code of Practice
Page 7-19
Page 20-23
Page 24-26Page 27-37Page 38-41
Page 42-88Page 89-92 Page 93Page 93
Important information about the cover provided
We have consolidated the previous individual Overseas travel and medical insurance, Transport Accident cover, Rental Excess cover, 90 Day Purchase Security, Extended Warranty, Best Price Guarantee and Interstate Flight Inconvenience Insurance policies into one Group Policy to remove repeated content.
Page 7
5
Section/Clause
What is changing? Booklet reference
Privacy The Privacy notice content has been updated to reflect current legislation and remove duplication.
Page 9
DefinitionsDefinitions have been updated so that all definitions used are listed in the one section. Repetitive content has been removed, certain definitions have been deleted, others re-written and definitions added where there is a perceived need to improve clarity and understanding of the terms and conditions of the covers provided.
Deleted Definitions
The following definitions have been deleted:Applicable limit(s)Claims procedures Carrier TransportElectronic equipmentMedically necessaryPersonal computer Point of arrivalPoint of departureRepatriate(d) or repatriationSchedule of Benefits Scheduled public transportTerrorist actTotal permanent disability
6
Section/Clause
What is changing? Booklet reference
Inserted new Definitions
The following new definitions have been added:• ANZ• card• chronic• concealed storage
compartment• covered breakdown • covered item• dangerous activities• excess• funeral expenses• hospital• interstate flight• journey• loss of (in respect of
Transport Accident Insurance)• manufacturer’s warranty• medical adviser• medical expenses• motorcycle• natural disaster• public place• quad bike• reasonable (in respect of
expenses incurred)• Reciprocal Health Care
Agreement• return overseas travel ticket• sick or sickness• special event (in respect
The definition of primary cardholder has been replaced with:accountholder means an ANZ customer, being an individual, business entity or company, who has entered into a card account with ANZ and in whose name the card account was opened. The account holder is the individual, business entity or company that has contractual obligations with ANZ under the card account.
Page 12
The definition of participating card account has been replaced with:card account means:a current and valid ANZ card facility provided by ANZ to which purchases made by cardholders on an ANZ card are charged; orthe primary account linked to an ANZ card to which a transaction is routed by any electronic funds transfer facility.
Page 12
The definition of participating cardholder has been replaced with: cardholder means a person who permanently resides in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency) to whom ANZ has issued an ANZ card (this includes primary and secondary cardholders).
Page 13
8
Section/Clause
What is changing? Booklet reference
Scheduled public transport and Carrier(s) definitions have been replaced with: conveyance means and aircraft, vehicle, taxi, train, bus or short- haul ferry (but not a cruise ship) that is licensed or authorised to carry fare-paying passengers.
Page 13
Definition of child or children has been replaced with:dependant means your child, step child, foster child, grand child or ward not in full-time employment who is aged 24 years or under at the time that their eligibility for cover is met.
Page 14
The definition of Home in Australia has been replaced with: home means the place where you normally live in Australia.
Page 14
The definition of injury has been replaced with:injure or injured or injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease.
Page 14
9
Section/Clause
What is changing? Booklet reference
The definition of financial default has been replaced with: Insolvency or Insolvent means bankruptcy, provisional liquidation, liquidation, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction.
Page 15
The definition of Existing Medical Condition has been replaced with:pre-existing medical condition means any condition, including but not limited to pregnancy, mental illness, anxiety, alcoholism, drug addiction or substance addiction and/or any chronic or ongoing physical, medical, mental or dental condition, which you or a reasonable person in your circumstances should have been aware of or become aware of, or for which investigation, treatment or advice has been soughtor received, or medication prescribed or taken:• at any time before you
obtained your return overseas travel ticket for the cover provided under International Travel Insurance;
Page 16
10
Section/Clause
What is changing? Booklet reference
• at any time before you obtained your interstate flight ticket for the cover provided under Interstate Flight Inconvenience Insurance; and
• any complication arising from any such condition outlined above, except that any unexpected or unforeseen complication arising from your pre-existing pregnancy is not considered to be a pre-existing medical condition.
The definition of professional sporting activity has been replaced with: professional sport means training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000.
Page 17
The definition of travelling party has been replaced with: travel companion means a person with whom you made arrangements before the journey began, to travel with you for at least fifty per cent (50%) of the period of cover provided for your journey.
Page 18
11
Section/Clause
What is changing? Booklet reference
The definition of unattended has been replaced with: unsupervised means leaving your covered items or valuables:a) with a person who is not a
travel companion or who is not a relative; or
b) with a person who is a travel companion or who is a relative but who fails to keep your covered items or valuables under close supervision; or
c) where they can be taken without your knowledge;
ord) at such a distance from
you that you are unable to prevent them being taken; and
includes forgetting or misplacing items of your covered items or valuables, leaving them behind or walking away from them.
Page 18
The definition of trip has been replaced with:trip means an overseas passage by the cardholder and their spouse and/or dependants as paying passengers on a conveyance.
Page 18
Part A - Eligibility & Activation of Cover
Defines who is eligible for the complimentary insurance covers.
Page 20-23
Part B - Period of Cover
Provides the period of insurance cover provided.
Page 24-26
12
Section/Clause
What is changing? Booklet reference
Part C - Table of Benefits
We have separated the table of benefits for each cover and expanded the description of how the limits are applied to make it easier to understand.
Page 27-37
Part D – Excesses and General Exclusions
An excess is the amount you contribute to a claim and this section tells you how and when an excess will be applied to a claim you make. General exclusions set out what is not covered.Please note you should also read each section of PART E - THE COVERS WE PROVIDE as they contain specific exclusions that also apply.
Page 38-41
Page 42-92
The general exclusion 1 in the previous Travel Master Policy has been replaced with:2. you booking travel or travelling against medical advice, travel for the purpose of getting medical treatment or advice, or travel after a medical adviser informs you that you are terminally ill;
Page 40
13
Section/Clause
What is changing? Booklet reference
The general exclusion 2 and 3 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 1.2.1 WHAT WE COVER Overseas medical expenses due to covered pre-existing medical conditionb) If, while overseas during the period of cover provided for your journey, you require medical or hospital treatment for a pre-existing medical condition which Allianz Global Assistance has confirmed cover for in writing, or for which cover is provided as specified in the section headed PRE-EXISTING MEDICAL CONDITIONS, we will reimburse you for the medical expenses you incur except for the cost of medication you were on or the cost of a course of treatment you were receiving at the time your journey began.
Page 50
The general exclusion 4 in the previous Travel Master Policy has been deleted.Refer to the definition of mental illness and pre-existing medical condition.
Page 16
The general exclusion 5 in the previous Travel Master Policy has been deleted.Refer to the definition of pre-existing medical condition.
Page 16
14
Section/Clause
What is changing? Booklet reference
The general exclusion 6 in the previous Travel Master Policy has been replaced with:5. regular ante natal care or any expense arising: • from childbirth at any gestation (except
when arising from an injury or sickness); • from care of a newborn child; • after the end of the twenty sixth (26th)
week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician);
• from pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover, or complications in any previous pregnancy;
• from pregnancy related sickness if you used artificial reproductive techniques (including IVF) to conceive your pregnancy before you became eligible for cover;
Page 40
The general exclusion 7 in the previous Travel Master Policy has been deleted.Refer to the definition of hospital.
Page 14
The general exclusion 8 in the previous Travel Master Policy has been deleted.Refer to the definition of reasonable.
Page 17
The general exclusion 9 in the previous Travel Master Policy has been replaced with:13. the injury, illness or death of any person (who is not a travel companion) who is aged 80 years or over at the time you become eligible for cover under International Travel Insurance.
Page 41
15
Section/Clause
What is changing? Booklet reference
The general exclusion 10 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 2.1.2 WHAT WE EXCLUDEb) caused by you or your travel companion changing plans.
Page 57
The general exclusion 11 (a), (e), (g), (h), (i), (j) in the previous Travel Master Policy has been replaced with:8. your participation in any dangerous activities.
Page 40
The general exclusion 11 (b) in the previous Travel Master Policy has been replaced with:3. your intentional self harm or your suicide or your attempted suicide.
Page 40
The general exclusion 11 (c) in the previous Travel Master Policy has been replaced with:4. your intoxication or the effect of or your chronic use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser.
Page 40
The general exclusion 11 (d) in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 1.2.2 WHAT WE EXCLUDEj) arising from the treatment of sexually transmissible diseases.
Page 52
16
Section/Clause
What is changing? Booklet reference
The general exclusion 11 (f ) in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 6.1.2 WHAT WE EXCLUDEj) assault and/or battery committed by you or at your direction;k) any act intended to cause bodily injury, property damage or liability done by you or any person acting with your knowledge, connivance or consent.
Page 74
The general exclusion 11 (k) and (l) in the previous Travel Master Policy has been replaced with:9. your participation in any activities involving a quad-bike or motorcycle during your journey unless it involves you only driving a motorcycle with an engine capacity of 250cc or less for which you hold a current motorcycle licence.
Page 41
The general exclusion 12 and 13 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 1.2.2 WHAT WE EXCLUDEi) any payment which would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) or any other applicable legislation (whether in Australia or not).
Page 52
The general exclusion 14 in the previous Travel Master Policy has been replaced with:19. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear.
Page 41
17
Section/Clause
What is changing? Booklet reference
The general exclusion 15 in the previous Travel Master Policy has been replaced with:1. your claim is for consequential loss of any kind including loss of enjoyment.
Page 39
The general exclusion 16 in the previous Travel Master Policy has been replaced with:10. deliberate acts or illegal or criminal acts by you, or any other person acting with your consent or under your direction.
Page 41
The general exclusion 17 in the previous Travel Master Policy has been replaced with:17. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military.
Page 41
The general exclusion 18 in the previous Travel Master Policy has been replaced with:18. a nuclear reaction or contamination from nuclear weapons or radioactivity.
Page 41
The general exclusion 19 in the previous Travel Master Policy has been replaced with:14. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority.
Page 41
The general exclusion 20 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 4.1.2 WHAT WE EXCLUDE g) your claim arises from a government authority confiscating, detaining or destroying anything.
Page 68
18
Section/Clause
What is changing? Booklet reference
The general exclusion 21 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section:2.1.2 WHAT WE EXCLUDE e) caused by an act or threat of terrorism.3.2.2 WHAT WE EXCLUDE a) from an act or threat of terrorism. 3.3.2 WHAT WE EXCLUDE a) due to an act or threat of terrorism.3.5.2 WHAT WE EXCLUDE To the extent permitted by law we will not pay if your delay is due to an act or threat of terrorism.3.8.2 WHAT WE EXCLUDE e) due to an act or threat of terrorism.Refer to TRANSIT ACCIDENT INSURANCE WHAT WE EXCLUDE a) hijack or any act of terrorism.
Page 58
Page 61
Page 62
Page 63
Page 65
Page 81
The general exclusion 22 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 3.1.2 WHAT WE EXCLUDE e) for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport.
Page 61
The general exclusion 23 in the previous Travel Master Policy has been replaced with:16. your failure to take reasonable care.
Page 41
19
Section/Clause
What is changing? Booklet reference
The general exclusion 24 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 3.1.2 WHAT WE EXCLUDE f ) if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement.
Page 61
The general exclusion 25 in the previous Travel Master Policy has been deleted.Refer to PART E – THE COVER WE PROVIDE under INTERNATIONAL TRAVEL INSURANCE in section 2.1.2 WHAT WE EXCLUDE d) caused by insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal.3.2.2 WHAT WE EXCLUDE b) because of the insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal.3.3.2 WHAT WE EXCLUDE b) because of the insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal.Refer to PART E – THE COVER WE PROVIDE under INTERSTATE FLIGHT INCONVENIENCE INSURANCE in section 1.1.2 WHAT WE EXCLUDE c) caused by insolvency or financial collapse of a services provider with whom you made a booking or insolvency or financial collapse of any company, organisation or person with whom they deal.
Page 58
Page 62
Page 62
Page 76
20
Section/Clause
What is changing? Booklet reference
The general exclusion 27 in the previous Travel Master Policy has been deleted.Refer to PART A - ELIGIBILITY & ACTIVATION OF COVER under INTERNATIONAL TRAVEL INSURANCE.
Page 20
Inserted General Exclusion
19. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear.
Page 41
Deleted General Exclusion
The general exclusion 19 in the previous Travel Master Policy has been deleted:26. credit card conversion fees or any other bank charges.
International Travel Insurance
International Travel Insurance
Overseas travel and Medical Insurance cover is now called International Travel Insurance.
Part A - Eligibility & Activation of Cover
Page 20-21
Part B - Period of Cover Page 24-25
21
Section/Clause
What is changing? Booklet reference
Part C - Tables of BenefitsThe Tables of benefits have been updated to set out the maximum limits of what we will pay under each section of the International Travel Insurance including correction of the following errors in the previous International travel insurance table of benefits: • sums insured in Section
B Cancellation and additional expenses are shown as ‘ Up to $25,000’ instead of ‘Unlimited’;
• the qualifier ‘*Per participating cardholder and/or accompanying spouse (including any accompanying dependent children)’ applicable to all sums insured, has been omitted from the ‘Sum insured’ column in the schedule; and
• section D Extra travel cover refers to “Resumption of authorised overseas business trip” instead of “Resumption of trip”.
Page 27
Part D - Excesses and General Exclusions
Page 38-41
Part E - The covers we provide
Page 42-88
Pre-existing Medical Conditions
Existing Medical Conditions are now referred to as Pre-existing Medical Conditions.
Page 42-45
22
Section/Clause
What is changing? Booklet reference
Every year, Allianz Global Assistance helps many Australians travel with a wide range of existing medical conditions. Pre-existing medical conditions include any past or present illnesses, injuries or conditions which may have/had a temporary or permanent effect on your health or wellbeing. Cover is not provided for all pre-existing medical conditions by the Group Policy issued to ANZ. Insurers have different risk criteria which they apply to such conditions. Other than for those pre-existing medical conditions listed in the booklet where you meet the criteria for cover, you will need to apply for confirmation of cover before going overseas for any other pre-existing medical conditions you have, each time you travel. If you, your spouse or your dependent children travelling with you have any pre-existing medical conditions, please call Allianz Global Assistance on 1300 135 271 to complete a medical assessment and to obtain confirmation that your pre-existing medical condition is covered for your upcoming journey.
Page 42-45Refer to anz.com/allianz or call 1300 135 271
Pregnancy Expectant mothers should consider whether this International Travel Insurance is adequate for their needs if they are planning to travel beyond the twenty sixth (26th) week of their pregnancy, as costs for childbirth and neo natal care can be exorbitant in some overseas destinations. No cover is provided for a child born during the period of cover provided for your journey.If you are pregnant when you become eligible for cover provided under International Travel Insurance your pregnancy will be defined as a pre-existing medical condition however, any complications of your pregnancy arising from injury or sickness occurring after you became eligible will be covered by the Group Policy issued to ANZ except for any restrictions that apply in respect of medically assisted pregnancy using artificial reproductive techniques (including IVF).
Page 45-47
24
Section/Clause
What is changing? Booklet reference
If you fall pregnant after you become eligible for cover provided under International Travel Insurance you will be entitled to the cover provided arising from any complications of your pregnancy caused by injury or sickness occurring after you become eligible. No cover is provided for: ante natal care;childbirth at any gestation (except when arising from an injury or sickness);care of a newborn child; any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician);pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover, or complications in any previous pregnancy;pregnancy related sickness if you used artificial reproductive techniques (including IVF) to conceive this pregnancy.
25
Section/Clause
What is changing? Booklet reference
These provisions apply whether you fall pregnant naturally or as a result of medical assistance (such as, through IVF treatment).You should plan your journey so that you arrive home before the end of the twenty sixth (26th) week of your pregnancy. If you don’t, and something happens, you won’t be covered for any pregnancy related expenses.We encourage expectant mothers to read the Pregnancy section carefully in conjunction with the General Exclusions
Page 39-41
Section A1 - Overseas Medical and Dental Expenses in the previous Travel Master Policy has been deleted.Refer to SECTION 1.1 OVERSEAS EMERGENCY ASSISTANCE and SECTION 1.2 OVERSEAS EMERGENCY MEDICAL.
Page 49-50
Section A2 - Medical Evacuation and Repatriation in the previous Travel Master Policy has been deleted.Refer to SECTION 1.3 MEDICAL EVACUATION & REPATRIATION.
Page 52
Section A3 - Hospital compensation in the previous Travel Master Policy has been deleted.Refer to SECTION 1.4 HOSPITAL CASH ALLOWANCE.
Page 53
26
Section/Clause
What is changing? Booklet reference
Interstate Flight Inconvenience Insurance
Interstate Flight Inconvenience Insurance
Part A - Eligibility & Activation of Cover
Page 21-22
Part B - Period of Cover Page 25
Part C - Tables of Benefits Page 34
Part D - Excesses and General Exclusions
Page 39-41
Part E - The covers we provide
Page 75
Section 4. Cancellation of domestic travel arrangements in the previous Interstate Flight Inconvenience Insurance has been deleted.Refer to SECTION 1.1 CANCELLATION.
Page 75
The Flight delay benefit under section 1. Delay in the previous Interstate Flight Inconvenience Insurance has been deleted.Refer to SECTION 2.1 FLIGHT DELAY.
Page 76
Section 2. Loss or damage to personal items in the previous Interstate Flight Inconvenience Insurance and the terms and conditions for Reporting lost, stolen or wilfully damaged items/personal goods have been deleted.Refer to SECTION 3.1 LUGGAGE.
Page 77
27
Section/Clause
What is changing? Booklet reference
The 12 Hour Luggage Delay benefit under section 1. Delay in the previous Interstate Flight Inconvenience Insurance has been deleted.Refer to SECTION 3.2 LUGGAGE DELAY.
Page 80
Section 3. Funeral expenses as a result of accidental death in the previous Interstate Flight Inconvenience Insurance has been deleted.Refer to SECTION 4.1 FUNERAL EXPENSES.
Page 80
Transit Accident Insurance
Transit Accident Insurance
Transport Accident Cover is now called Transit Accident Insurance.
Part A - Eligibility & Activation of CoverAmended to specifically mention spouse and dependants to whom cover extends when eligibility criteria is met.
Page 22
Part B - Period of Cover Page 25
Part C - Tables of Benefits Page 35
Part D - Excesses and General Exclusions
Page 39-41
Part E - The covers we provide
Page 81-82
28
Section/Clause
What is changing? Booklet reference
The section About Your Right of Access to cover has been deleted.Refer to IMPORTANT INFORMATION ABOUT THE COMPLIMENTARY COVERS PROVIDED.
Page 7
Rental Vehicle Excess in Australia Insurance
Rental Vehicle Excess in Australia Insurance
Rental Vehicle excess cover is now called Rental Vehicle Excess in Australia Insurance and now reimburses customers for the amount specified in the rental vehicle agreement, in the event the vehicle is damaged or stolen.
Part A - Eligibility & Activation of Cover
Page 23
Part B - Period of Cover Page 26
Part C - Tables of Benefits Page 35
Part D - Excesses and General Exclusions
Page 39
Part E - The covers we provide
Page 83-84
29
Section/Clause
What is changing? Booklet reference
The following sections have been deleted: Our Agreement with ANZAbout Your Right of Access to coverImportant Information About the coversRefer to IMPORTANT INFORMATION ABOUT THE COMPLIMENTARY COVERS PROVIDED.
Page 7
Purchase Protection Insurance
Purchase Protection Insurance
90-Day Purchase Security Insurance is now called Purchase Protection Insurance.
Part A - Eligibility & Activation of Cover
Page 23
Part B - Period of Cover Page 26
Part C - Tables of Benefits Page 36
Part D - Excesses and General Exclusions
Page 39
Part E - The covers we provide
Page 85-86
30
Section/Clause
What is changing? Booklet reference
Guaranteed Pricing Scheme
Guaranteed Pricing Scheme
Best Price Guarantee Scheme is now called Guaranteed Pricing Scheme.
Part A - Eligibility & Activation of Cover
Page 23
Part B - Period of Cover Page 26
Part C - Tables of Benefits Page 36
Part D - Excesses and General Exclusions
Page 39-41
Part E - The covers we provide
Page 87
Extended Warranty Insurance
Extended Warranty Insurance
Part A - Eligibility & Activation of Cover
Page 23
Part B - Period of Cover Page 26
Part C - Tables of Benefits Page 37
Part D - Excesses and General Exclusions
Page 39-41
Part E - The covers we provide
Page 88
31
Section/Clause
What is changing? Booklet reference
Claims
Allianz Global Assistance can be contacted using the contact details listed on the inside front cover of this booklet.
You can obtain claim forms and information on how to make a claim at: anz.com/allianzOnline: Lodge your travel claim,
24 hours a day, 7 days a week at https://claimmanager.com.au/anz
Phone: 1300 135 271, 9am to 5pm AEST,Monday to Friday, except public holidays. Calls from mobiles, public telephones or hotel rooms may attract additional charges
We have replaced references to the Financial Ombudsman Service with references to the new Australian Financial Complaints Authority (AFCA) and have provided contact details for AFCA. As a result, the information under Complaints & Disputes will be updated to read as follows:
We are a member of an external dispute resolution scheme which is independent and free to you. We are bound by determinations made by it in accordance with its relevant terms and rules applicable to us. Any complaint or dispute can be lodged with the Australian Financial Complaints Authority: Online: www.afca.org.auEmail: [email protected]: 1800 931 678Mail: Australian Financial Complaints
Authority GPO Box 3, Melbourne Victoria 3001.
Please note this change is effective immediately.
Page 93
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Item No. 96903 06.2019 WX231857
