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Orange One Platinum Visa Credit Card Complimentary Insurance Terms & Conditions for insured events occurring on or after 12 May 2017
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Page 1: Orange One Platinum Visa Credit Card - ING - Personal and ... · gift cards, trading cards ... ABN 24 000 893 292 AFSL 229823. “ING Card” means a current and valid Orange One

Orange One Platinum Visa Credit Card

Complimentary Insurance Terms & Conditions for insured events occurring on or after 12 May 2017

Page 2: Orange One Platinum Visa Credit Card - ING - Personal and ... · gift cards, trading cards ... ABN 24 000 893 292 AFSL 229823. “ING Card” means a current and valid Orange One

ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823 (ING) does not underwrite the covers contained in this booklet.ING has entered into an agreement for the benefit of its specified cardholders.This insurance is issued and managed by AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance, 74 High Street, Toowong, QLD 4066 under a binder from the underwriter Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, of 2 Market Street, Sydney, NSW 2000.

In the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on

+617 3305 7499 (reverse charge).

You do not have to tell us that you will be travelling.

Provided you are eligible and comply with the terms and conditions of covers outlined in this booklet you

are covered by this complimentary insurance.

ContentsAbout the complimentary cover provided ....................................1Introduction ..........................................................................................1

ING is not the issuer (insurer) of this cover ...................................1

Who is eligible for cover provided? .................................................2Period of cover .....................................................................................2

Termination of this cover ..................................................................3

Other insurance ...................................................................................3

Definition and interpretation of words used in this booklet ............................................................4

Other important information ..........................................................13Limitation of cover ...........................................................................13

Jurisdiction and choice of law .......................................................13

Financial Claims Scheme .................................................................13

General Insurance Code of Practice .............................................13

Dispute resolution process ..............................................................14

Safeguarding your covered items and valuables .....................14

Privacy ..................................................................................................15

Enquiries ..............................................................................................17

Excesses - what you contribute to a claim ................................18

Exclusions - what is not covered ....................................................19

International Travel Insurance ........................................................23Index ....................................................................................................23

Part A - Table of benefits ..................................................................24

Part B - Important matters you should know about ...............26Pre-existing medical conditions ....................................................26

Emergency and medical services while overseas ....................28

Documents to take with you .........................................................29

Part C - The cover we provide..........................................................30

Claims .....................................................................................................46

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About the complimentary cover provided.IntroductionThis booklet describes the complimentary insurance benefits provided by Allianz, which are available to ING Card cardholders. Cover applies to events occurring on or after 12 May, 2017. You are not covered for events occurring after termination of, or expiry of the period of insurance specified in, the Group Policy. ING will advise you of any replacement cover.

These covers are available under a Group Policy issued to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, of 60 Margaret Street, Sydney, NSW 2000 (“ING”) by AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (“Allianz Global Assistance”) under a binder from the underwriter, Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, of 2 Market Street, Sydney, NSW 2000 (Allianz). For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the Group Policy on behalf of Allianz.

There is no obligation to accept any of these benefits. However, if a cardholder wishes to claim any of these benefits, they will be bound by the definitions, terms, conditions, exclusions and claims procedures contained in this booklet. Therefore please read the booklet carefully and keep it in a safe place. Also please keep detailed particulars and proof of any loss including the sales receipts and ING Card account statements showing any purchases.

ING is not the the issuer (insurer) of this coverING is not the product issuer (insurer) of these covers and neither it nor any of its related corporations guarantee any of the benefits under these covers.

These benefits are provided at no additional cost to the cardholder and ING does not receive any commission or remuneration in relation to these covers. Neither ING nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or their related companies.

Who is eligible for the cover provided?A cardholder, their spouse and their dependants become eligible for this International Travel Insurance when before travelling overseas they obtain their overseas travel ticket(s) and accommodation for the journey (not including taxes or airport or travel agent charges) by charging at least $500 of the total cost of each eligible person’s overseas travel ticket(s) and accommodation (not including taxes or airport or travel agent charges) to the account holder’s Card account.

A dependant aged two (2) years or under as at the date the journey commences, becomes eligible for this International Travel Insurance when the cardholder becomes eligible, provided that the dependant (aged two (2) years or under as at the date the journey commences) is travelling with the cardholder for the entire journey.

Only one person is eligible to claim the benefits payable to a cardholder during each period of cover and other persons covered under this International Travel Insurance would only be eligible to claim as a spouse or dependant.

Period of coverThe period of cover provided for each journey is for up to a maximum of forty (40) consecutive days and cannot be extended by you.

If however your return home on a overseas travel ticket is delayed because of a covered event, or because your scheduled transport (refer to your overseas travel ticket) is delayed for reasons beyond your control, the period of cover will automatically be extended for up to a maximum of 4 consecutive weeks or until you return home, whichever occurs first. You do not have to advise us that you will be travelling as you will be entitled to cover, provided you meet the eligibility criteria for this cover specified in this section and you adhere to the definitions, terms and conditions, exclusions and claims procedures applicable.

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Termination of this coverING or Allianz may terminate any one or all of the covers described in this booklet, and if so ING will notify account holders of the termination or change in writing. The existing cover will only apply to events occurring before the date of change or termination. No cover is provided for claims events occurring after the date of termination. ING will provide you with details of any replacement cover.

Other insuranceThe cover described in this booklet is provided for your benefit under a Group Policy entered into between Allianz and ING. ING is the policy owner. When eligible, you have the benefit of cover as a third party beneficiary.

If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a comprehensive travel insurance policy for your overseas journey), in respect of the same loss as your claim under this Group Policy, then Allianz is not liable to provide indemnity under this Group Policy until the amount of any indemnity under that Other Policy is exhausted. In other words, any cover under this Group Policy in respect of the same loss shall only be excess insurance cover over and above the applicable Other Policy.

Definition and interpretation of words used in this bookletHeadings are for information only and do not affect interpretation.

The following key words have special meaning in this booklet and the Group Policy and are highlighted in bold black font. The use of defined words in the singular includes the plural and vice versa.

“accident/accidental/accidentally” means an unexpected event caused by something external and visible.

“account holder” means an ING customer, being an individual, business entity or company, who has entered into a Card account with ING and in whose name the Card account was opened. The account holder is the individual, business entity or company that has contractual obligations with ING under the Card account.

“AICD/ICD” means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverterdefibrillator (AICD).

“Allianz” means Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708.

“Allianz Global Assistance” means AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631.

“business item” means a new item acquired for use by your business, but does not include:

• items with an original purchase price in excess of $3,000;

• items acquired for the purpose of sale or trade;

• items acquired to undergo process or transformation in the business;

• animals or plant life;

• computer software or non-tangible items;

• cash, bullion, negotiable instruments, vouchers, gift cards, trading cards, tickets of any description, travellers cheques or collections such as stamps, coins and cards;

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• consumable or perishable items (including but not limited to food, drink, drugs, cosmetics, fuel or oil);

• boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories;

• second-hand items including antiques or works of art;

• items of contraband; or• real estate and movable fixtures or fittings (including

but not limited to dish washers, stoves, ovens and fixed air conditioners) which are or are intended to form part of any home or real estate.

“Card account” means:

• a current and valid ING Card facility provided by ING to which purchases made by cardholders on a ING Card are charged; or

• the primary account linked to a ING Card when a purchase is routed by any electronic funds transfer facility.

“cardholder” means a person who has permanent residency in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency) and whom ING has issued with an ING Card.

“chronic” means a persistent and lasting condition. It may have a pattern of relapse and remission.

“concealed storage compartment” means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a vehicle.

“covered item” means personal property and business items.

“dangerous activities” means you exposing yourself to danger during the journey and includes but is not limited to activities such as:

• scuba diving unless you hold an open water diving license or are diving with a qualified and registered diving instructor;

• mountaineering or rock climbing, racing of any sort (other than amateur racing on foot), white water rafting, boating, abseiling, parasailing, skydiving, hang gliding, base jumping, bungy jumping, pot

holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, snow skiing or snow boarding other than on groomed slopes, snow mobiling or any other similar activity; or

• participation in any kind of professional sport.

“dependant” means your children or grandchildren, not in full-time employment who are aged 24 years or under at the time eligibilty for cover is met.

“epidemic” means a sudden development and rapid spreading of a contagious disease in a region where it developed in an endemic state or within a previously unscathed community.

“excess” means the deduction we will make from the amount otherwise payable for each claimable incident or event.

“home” means the place where you normally live in Australia.

“hospital” means an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a nursing or convalescent home, a place of rest, a geriatric ward, a mental institution, a rehabilitation or external care facility or a place for the treatment of alcoholism, drug addiction or substance addiction.

“ING” means ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823.

“ING Card” means a current and valid Orange One Platinum Visa Credit Card issued by ING. This includes secondary/additional cards.

“injury” or “injured” means bodily injury caused solely and directly by violent, accidental means which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease.

“journey” means:

a] your overseas travel that starts when the later of the following occurs:

• on the departure date shown on the overseas travel ticket, or

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• when you leave your home, if you travel directly from your home in Australia to the air or sea terminal that is the departure point for your journey.

b] and ends when the first of the following occurs:• at 2400 hours (midnight) on the date when

your scheduled transport (refer to your overseas travel ticket) is due to arrive in Australia; or

• when you return to your home in Australia provided you go directly to your home, otherwise when you return to Australia; or

• at 2400 hours (midnight) forty (40) consecutive days after the date of departure shown on your overseas travel ticket; or

• when you cancel your overseas travel ticket; or

• at the expiry of any extension to the period of cover that we allow for your journey.

Journey does not include any divergence, delay or indirect route you elect to take to or from the air or sea terminal shown on your overseas travel ticket and your home.

“medical adviser” means a qualified doctor or dentist, other than you or a relative or your travelling companion, holding the necessary certification for the country in which they are currently practicing.

“medical expenses” means expenses incurred for:• medical, paramedical or surgical treatment and

other treatment given or prescribed by a medical adviser; or

• ambulance or hospital charges; or

• dental treatment arising as a result of an injury; or

• emergency dental charges up to the limit specified in Part A - Table of benefits, Section 1.2 Overseas Emergency Medical - Emergency Dental Expenses. This does not include dental treatment for deterioration, decay or normal wear and tear to teeth; or

• expenses for your medical transfer or evacuation to the nearest hospital for emergency medical treatment or to be brought back to your home with appropriate medical supervision.

“mental illness” means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders.

“moped” or “scooter” means any two-wheeled or three-wheeled motor vehicle with an engine displacement of not greater than 50cc.

“motorcycle” means any two-wheeled or three-wheeled motor vehicle with an engine displacement greater than 50cc.

“natural disaster” means any event or force of nature that has catastrophic consequences, such as avalanche, earthquake, flood, bush fire, hurricane, tornado, cyclone, tsunami and volcanic eruption.

“overseas” means outside of mainland Australia and Tasmania or while travelling on a foreign registered vessel in Australian territorial waters.

“overseas travel ticket” means a ticket from Australia to an overseas destination and returning to Australia.“pandemic” means a form of an epidemic that extends throughout an entire continent.

“personal property” means all personal property acquired for domestic or household use or consumption, but does not include:

• items acquired for the purpose of re-supply/re-sale;

• items acquired for transformation in a business;

• business related items;

• bicycles;

• items purchased in a business name;

• animals or plant life;

• computer software or non tangible items;

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• cash, bullion, negotiable instruments, travellers cheques, or tickets of any description;

• consumable or perishable items (including but not limited to food, drugs, fuel or oil);

• automobiles, airplanes or vehicles of any kind and their integral parts and installed accessories;

• watercraft of any type (other than surfboards);

• second-hand items, including antiques or works of art;

• items of contraband;

• furniture, furnishings, household appliances or hired items.

“pre-existing medical condition” applies to the cardholder, spouse, dependant, any relative, travelling companion or any other person, and means a condition of which you or they are, or a reasonable person in your or their circumstances should have been, aware:1. prior to the time you became eligible for the cover

that involves:• your heart, brain, circulatory system/blood

vessels; or

• your lungs or chronic airways disease; or

• cancer; or

• back pain requiring prescribed pain relief medication; or

• surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital; or

• diabetes mellitus (Type 1 or Type 2); or

2. in the 2 years prior to the time you became eligible for the cover:

• for which you had been in hospital or emergency department or day surgery; or

• for which you had been prescribed a new medication or had a change to your medication regime; or

• requiring prescription pain relief medication; or

3. prior to the time you became eligible for the cover that is:

• pregnancy; or

• connected with your current pregnancy or participation in an in vitro fertilisation program; or

4. for which, prior to the time you became eligible for the cover:

• you had not yet sought a medical opinion regarding the cause; or

• you are currently under investigation to define a diagnosis; or

• you are awaiting specialist opinion.

For the purposes of this definition, “condition” includes a dental condition.

“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.

“public place” means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, shops, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas.

“reasonable” means:• for medical expenses, the standard level given in

the country you are in not exceeding the level you would normally receive in Australia;

• for other covered expenses, a level comparable to those you have booked for the rest of your journey; or

• as determined by Allianz Global Assistance having regard to the circumstances.

“Reciprocal Health Care Agreement” means an agreement between the Government of Australia and the government of another country where Australian residents are provided with subsidised essential medical treatment. (Please visit www.dfat.gov.au for details of Reciprocal Health Care Agreements with Australia).

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“relative” means grandparent, parent, parent-in-law, step parent, step parent-in-law, sister, step sister, sister-in-law, brother, step brother, brother-in-law, spouse, partner, fiancé(e), son, son-in-law, daughter, daughter-in-law, step child, foster child, grandchild, ward or guardian.

“rental vehicle” means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company or agency.

“sick” or “sickness” means a medical condition, not being an injury, the signs or symptoms of which first occur or manifest during your period of cover.

“sporting equipment” means equipment needed and used to participate in a particular sport and which can be carried about with you.

“spouse” means a partner of the cardholder who is permanently living with the cardholder at the time the journey starts.

“travelling companion” means a person with whom you made arrangements before the journey began, to travel with you for at least 75% of the period of your journey.

“unsupervised” means means leaving your covered items or valuables:

a] with a person who is not a travelling companion or who is not a relative; or

b] with a person who is a travelling 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; or

d] 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.

“valuables” means jewellery, watches, precious metals or semi precious stones/precious stones and items made of or containing precious metals or semi precious stones/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), tablets, MP3/4 players and PDAs.

“we”, “our”, “us” means Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708

“you”, “your”, “yourself” means cardholder, spouse or dependants if they are eligible to obtain cover except in the defintion of pre-existing medical condition where you or your means cardholder, spouse, dependant, relative, travelling companion or any other person.

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Other important informationLimitation of coverNotwithstanding anything contained in this booklet we will not provide cover nor will we make any payment or provide any service or benefit to any person or party where providing such cover, payment, service or benefit would contravene or violate any applicable trade or economic sanction or any law or regulation.

Jurisdiction and choice of lawCover provided is governed by and construed in accordance with the law of Queensland, Australia and you agree to submit to the exclusive jurisdiction of the courts of Queensland. You agree that it is your intention that this Jurisdiction and Choice of Law clause applies.

Financial Claims SchemeIn the unlikely event Allianz were to become insolvent and could not meet its obligations under the Group Policy, a person entitled to claim may be entitled to payment under the Financial Claims Scheme.

Access to the Scheme is subject to eligibility criteria More information can be obtained from http://www.fcs.gov.au.

General Insurance Code of PracticeAllianz and Allianz Global Assistance proudly support the General Insurance Code of Practice.

The Code sets out the minimum standards of practice in the general insurance industry. You can obtain more information on the Code and how it assists you by contacting Allianz Global Assistance.

Dispute resolution process In this section “we”, “our” and “us” means Allianz and Allianz Global Assistance.

If you have a complaint or dispute in relation to this insurance, or our services or our representatives, please call us using the contact details on the back cover of this booklet, or put the complaint in writing and send it to:

The Dispute Resolution Department, PO Box 162, Toowong, Queensland 4066.

We will attempt to resolve the matter in accordance with our Internal Dispute Resolution procedures. To obtain a copy of our procedures, please contact us.

A dispute can be referred to the Financial Ombudsman Service Australia (FOS), subject to its terms of reference. The FOS provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. The contact details for the FOS are:

Financial Ombudsman Service Australia GPO Box 3, Melbourne Victoria 3001Phone: 1800 367 287 Fax: (03) 9613 6399Website: www.fos.org.auEmail: [email protected]

Safeguarding your covered items and valuablesYou must take all reasonable steps to safeguard your covered items and valuables and you are not covered if you do not take these precautions. For example leaving your covered items and valuables unsupervised in a public place is not a reasonable precaution.

Also covered items are not covered if they are left:

• unsupervised in a public place; or• in an unlocked vehicle; or• in a vehicle outside of daylight hours or

overnight; or

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• in a vehicle during daylight hours unless stored out of view in a concealed storage compartment of a locked vehicle (covered items cannot be left in a vehicle that does not have a concealed storage compartment or in a vehicle overnight); or

• behind, forgotten or misplaced; or• with a person who steals or deliberately

damages them.

Valuables are not covered if they are left:

• unsupervised in a public place; or• in a vehicle at any time; or• checked in to be transported in the cargo hold of

any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip; or

• with a person other than a travelling companion or a relative;

You must take precautions to safeguard your own safety and follow the advice and heed the warnings of any government or government agency and any official body and heed warnings in the mass media.

PrivacyTo arrange and manage these covers, we (in this Privacy Notice “we”, “our” and “us” includes AWP Australia Pty Ltd trading as Allianz Global Assistance and it’s duly authorised representatives) collect personal information including sensitive information from you and those authorised by you such as your family members, travelling companions, your doctors, hospitals, as well as from others we consider necessary, including our agents.

Any personal information provided to us is used by us to evaluate and arrange your cover. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to those insurance services , including managing, processing and investigating claims.

We may also collect, use and disclose it for product development, conducting customer research and analytics in relation to all of our products and services, IT systems maintenance and development, recovery against third parties and for other purposes with your consent or where authorised by law.

This personal information may be disclosed to third parties involved in the above process, such as travel agents and consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health services providers, overseas data storage and data handling providers, legal and other professional advisers, your agents and our related and group companies including Allianz.

Some of these third parties may be located in other countries such as Thailand, France and India. You agree that while those parties will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws.

When you provide personal information about other individuals, we and our agents rely on you to have made or make them aware:

• that you will or may provide their personal information to us;

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

• of the relevant purposes we and the third parties we will disclose it to, will use it for;

• of how they can access it; and• of the matters in this Privacy Notice.

We rely on you to have obtained their consent on these matters. If you do not, you must tell us before you provide the relevant information.

You can seek access to and correct your personal information by contacting us. You may not access and correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your children under 16 years of age.

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If you have a complaint about your privacy, please contact:

Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066 or you can contact the Privacy Commissioner at the Office of the Australian Information Commissioner, GPO Box 2999, Canberra, ACT 2601.

For more information about our handling of personal information, including further details about access, correction and complaints, please see our privacy policy available on request or via: www.allianz-assistance.com.au.If you do not agree to the above or will not provide us with personal information, we may not be able to supply you with our services or products or may not be able to process your application nor provide you with cover.In cases where we do not agree to give you access to some personal information, we will give you reasons why.

Enquiries• Additional copies of this booklet can be obtained

by phoning ING on 1800 754 190.• If you require personal advice on this cover,

please see your insurance adviser.• if you wish to make a claim or a general enquiry

call Allianz Global Assistance using the contact number shown on the back cover of this booklet, 8am - 5pm (Brisbane time), Monday to Friday and please make sure you have this booklet on hand when you phone.

Excesses - what you contribute to a claimAn excess is not an additional fee charged by us at the time of you making a claim. Rather, it is the uninsured first portion of a loss for which you would otherwise be covered, i.e. the amount that you must contribute towards each claim.You must contribute the following excess amounts for each claim made under the following sections even if a number of claims are submitted on the one claim form or at the same time.

COVER TYPE BENEFIT EXCESS

International Travel Insurance1.2 Medical Expenses $500

2.1 Cancellation $500

3.1 Additional Expenses $500

4.1 Covered Items & Valuables $500

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Exclusions - what is not coveredIn addition to any exclusions noted elsewhere in this booklet, the following exclusions apply to the cover provided.

To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising directly or indirectly from or in any way related to:

1. any pre-existing medical condition of any person including you, your travelling companion or a relative except as provided under sub-section 2.1.1 d], and sub-section 3.1.1. g];

2. any signs or symptoms that you were aware of, or a reasonable person in your circumstances would have been aware of, before cover commenced, but:a] you had not yet sought a medical opinion

regarding the cause; or b] you were currently under investigation

to define a diagnosis; or c] you were awaiting specialist opinion;

3. travel booked or undertaken by you against the advice of any medical adviser;

4. elective surgery, or treatment received by you or your travelling companion during your journey;

5. a consequence of complications from medical, surgical or dental procedures or treatments received by you or your travelling companion during your journey that are not for an injury or sickness that would otherwise be covered;

6. travel undertaken after a medical adviser informs you that you are terminally ill;

7. the death, illness or sickness or for any other reason, of persons living outside of Australia or New Zealand;

8. your suicide or your attempted suicide or your intentional self harm;

9. you being under the influence of any intoxicating liquor, substance or drug except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions;

10. complications of any injury or sickness (or from side effects) caused by you taking any blood thinning medication;

11. pregnancy, childbirth or any related complications;12. your hospitalisation or confinement to a clinic

where you are being treated for addiction to drugs, substances or alcohol, or are using it as a nursing, convalescent or rehabilitation place;

13. mental illness; or • dementia, depression, anxiety, stress or other

mental or nervous condition; or • conditions that have resulted in behavioural

issues; or • a therapeutic or illicit drug, substance or alcohol

addiction,suffered by you or by any other person;

14. the cost of medication you were using at the time your journey began or the cost of maintaining a course of treatment you were on prior to the start of your journey;

15. a sexually transmitted disease or virus suffered by you;

16. the death, injury or illness of any person aged 85 years or over regardless of the country in which they may live;

17. any dangerous activities or your exposure of yourself to danger unless in an attempt to preserve your life or the life of another person;

18. you driving a motor vehicle or riding a moped or scooter without a current Australian drivers licence or drivers licence valid for the country you are driving or riding in. This applies even if you are not required by law to hold a licence in the country you are driving or riding in; or• you riding a motorcycle without a current

Australian motorcycle licence or motorcycle licence valid for the country you are riding in. This applies even if you are not required to hold a motorcycle licence because you hold a drivers licence, or a motorcycle licence is not required by law in the country you are riding in;

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• you riding or travelling as a passenger on a motorcycle with an engine capacity greater than 250cc;

• you travelling as a passenger on a motorcycle, moped or scooter that is in control of a person who does not hold a current motorcycle or drivers licence valid for the vehicle being ridden and for the country you are riding in;

• you riding, or travelling as a passenger, on a motorcycle, moped or scooter without wearing a helmet;

• you riding, or travelling as a passenger, on a quad bike or all terrain vehicle;

19. travel in any air supported device other than as a passenger in:• a fully licensed aircraft operated by an airline or

charter company; or• a regulated or licensed hot air balloon;

20. your breach of any government prohibition or regulation, including visa requirements, or intentionally act illegally;

21. errors or omissions in any booking arrangements or failure to obtain relevant visa, passport or travel documents;

22. any actual or likely epidemic or pandemic or threat of an epidemic or pandemic;

23. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;

24. nuclear reaction or contamination from nuclear weapons or radioactivity;

25. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and/or create public fear;

26. you not following advice in the mass media or any government or other official body’s warning and you did not taking appropriate action to avoid or minimise any potential claim (including delay of travel to the country or part of a country referred to in the warning). Refer to www.who.int and www.smartraveller.gov.au for further information.

27. consequential loss of any kind including loss of enjoyment;

28. something which you were aware of, or a reasonable person in your circumstances would have been aware of, at the time you became eligible for cover that would give rise to you making a claim;

29. you not doing everything you can to reduce your loss as much as possible;

30. a loss which is recoverable by compensation under any workers compensation or transport accident laws or by any government sponsored fund, plan, or medical benefit scheme, or any other similar type legislation required to be effected by or under a law;

31. a payment for any event which would violate any applicable trade or economic sanctions, law or regulation.

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International Travel InsuranceInternational Travel Insurance is a cover available to cardholders who use their eligible ING Card account to obtain their travel arrangements prior to leaving Australia, in accordance with the eligibility criteria set out under Who is eligible for the cover provided?

In addition cover is available to a spouse and/or dependants travelling with a cardholder who also obtain their travel arrangements prior to leaving Australia, in accordance with the eligibility criteria set out under Who is eligible for the cover provided? by use of the cardholder’s ING Card account.

Index

Part ATable of benefits .................................................................. 22

Part BImportant Matters You Should Know About ................ 24

Pre-existing medical conditions ...............................24

Emergency and medical services while overseas ..27

Documents to take with you ..................................27

Part CThe cover we provide ......................................................... 29

1.1 Overseas Emergency Assistance ......................29

1.2 Overseas Emergency Medical ..........................30

1.3 Accidental Death ................................................32

2.1 Cancellation ......................................................32

3.1 Additional Expenses ..........................................35

3.2 Travel Delay ........................................................38

4.1 Covered Items & Valuables ...............................39

5.1 Rental Vehicle Excess .......................................41

6.1 Personal Liability ..............................................43

Part ATable of benefitsBelow is a table that sets out the complimentary cover that is provided and the most we will pay in total for all claims under each section.

The covers available are outlined in Part C, The cover we provide and are subject to the applicable terms, conditions, limits, sub-limits and exclusions.

Please read the entire booklet to ensure that the covers and benefits meet your requirements.

Benefit Limit 1.1 Overseas Emergency Assistance

Unlimited, except:

Repatriation of remains • $10,000 per person

1.2 Overseas Emergency Medical

Unlimited, except:

Emergency Dental Expenses

• Expenses for dental treatment for the relief of sudden and acute pain to sound and natural teeth limited to $500 in total.

1.3 Accidental Death $25,000 for a cardholder or spouse with a combined limit of $25,000.

2.1 Cancellation & 3.1 Additional Expenses

$10,000 for all claims combined including:

Return home on death or hospitalisation of a relative suffering from a pre-existing medical condition

maximum of $1,000 for a cardholder travelling alone or with their spouse and/or dependants

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Benefit LimitResumption of trip following death of a relative provided cause not pre-existing medical

maximum of $5,000 for a cardholder travelling alone or with their spouse and/or dependants

3.2 Travel Delay $500 for a cardholder travelling alone or with their spouse and/or dependants

4.1 Covered items & Valuables

$10,000 for a cardholder travelling alone or with their spouse and/or dependants subject to the below item sub-limits.

Cameras, associated equipment & accessories

• cameras and associated equipment/accessories

− $2,000 per camera.

Laptops, computers & accessories

• laptops, computers and associated equipment/accessories

− $2,000 in total

All other items • baggage, clothing and valuables

− $750 per item.

Unattended in concealed storage compartment of locked vehicle during daylight hours

Notwithstanding the above limits, the most we will pay for belongings left unattended in a concealed storage compartment of a locked vehicle during daylight hours is $200 per article to a maximum of $2,000 per event.

5.1 Rental Vehicle Excess

Limited to $2,250

Return of rental vehicle $500 in total for all claims combined.

6.1 Personal Liability Limited to $2,250,000 for all claims combined.

Part B - Important matters you should know aboutPre-existing medical conditionsPlease ensure that you read the definition of pre-existing medical condition in the section headed Definition and interpretation of words used in this booklet.

No cover is provided for any child born on the journey.

This travel insurance only provides cover for emergency overseas medical events that are unforeseen. Cover is not provided for pre-existing medical conditions except for those described in the section headed PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY).

If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency and any associated costs, which can be prohibitive in some countries.

Blood Thinning Prescription Medication

Please note: We will not pay any claims arising from, related to or associated with you taking a blood-thinning prescription medication such as Warfarin or similar, except under sections 1.1.1 a] and 1.1.1 b].

PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY) This section outlines the pre-existing medical conditions which are covered.

You have cover if your pre-existing medical condition is listed below, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the date of issue.

Conditions

1. acne;2. bunions;

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3. carpal tunnel syndrome;4. cataracts;5. cleft palate;6. cochlear implant;7. coeliac disease;8. congenital adrenal hyperplasia;9. congenital blindness;

10. congenital deafness;11. conjunctivitis;12. dengue fever;13. dry eye syndrome;14. Dupuytren’s contracture;15. eczema;16. gastric reflux (GORD);17. glaucoma;18. gout;19. hay fever;20. hormone replacement therapy;21. hypothyroidism, including Hashimoto’s disease;22. lipoma;23. macular degeneration;24. Meniere’s disease;25. rhinitis;26. rosacea;27. sinusitis;28. tinnitus; or29. single uncomplicated pregnancy, up to and

including 23 weeks, not arising from services or treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF).

Diabetes (type I and type 2) , hypertension, hypercholesterolaemia and hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a pre-existing medical condition, cover for these conditions is also excluded.

If your condition is not described in the above list or is not a single pregnancy without complications or is a condition:

• for which you have been hospitalised (including day surgery or emergency department attendance) in the 24 months prior to the time of this policy being issued; or

• was for surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital at any time prior to this policy being issued,

we will not pay any claims arising from, related to or associated with that condition except under sections 1.1.1 a] and 1.1.1 b].

This means that we will not pay:

• your medical expenses whatsoever; • your evacuation or repatriation to your home; • your journey cancellation or rearrangement costs;

or • any additional or out of pocket expenses (including

additional travel and accommodation expenses).

Emergency and medical services while overseasIn the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on +61 7 3305 7499 (reverse charge).

Allianz Global Assistance’s team of medical professionals is only a phone call away and is available to you 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems which occur outside Australia.

Allianz Global Assistance has access to a worldwide team of skilled doctors and medical professionals and provides the following services without charge:

• Access to medical advisers for emergency assistance and advice;

• Emergency transportation to the nearest suitable hospital;

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• Emergency evacuation, if necessary;• If requested by the cardholder, their family in

Australia will be advised of the cardholder’s medical condition and be kept informed of the situation;

• Payment guarantees to hospitals and cover verification;

• Second opinions on medical matters;• Urgent message service and emergency

travel planning.

Documents to take with youYou should take this booklet with you when travelling overseas as it contains important phone numbers and details of the cover provided, together with copies of your Card account statement and ING Card receipt to establish that you obtained your overseas travel ticket in accordance with the criteria set out in the section headed Who is eligible for the cover provided?

In the event you wish to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to confirm to Allianz Global Assistance or its agents that the overseas travel tickets were paid for as previously outlined. Without this information, a claim may be delayed and it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance.

Part CThe cover we provideThe maximum amount we will pay for all claims combined under each section is shown in the Table of benefits in Part A. You must also check Definition and interpretation of words used in this booklet, Exclusions - what is not covered and exclusions applicable to each section for reasons why we will not pay.

SECTION 1.1 OVERSEAS EMERGENCY ASSISTANCE Please note: No cover is provided under this section for cardholders, spouses or dependants:

• who are residents of mainland Australia or Tasmania travelling to offshore territories of Australia; or

• who are residents of an offshore territory of Australia travelling to mainland Australia or Tasmania, or to another offshore territory of Australia.

Cardholders, spouses and dependants travelling on a foreign registered vessel in Australian territorial waters will be entitled to the benefits provided by this section.

Allianz Global Assistance will help you with any overseas emergency (also see Emergency and medical services while overseas contained in Part B). You may contact Allianz Global Assistance at any time 7 days a week.

1.1.1 ALLIANZ GLOBAL ASSISTANCE WILL ARRANGE

Allianz Global Assistance will arrange for the following assistance services if you injure yourself, or become sick overseas during your journey provided the relevant injury or sickness is covered:

a] access to a medical adviser for emergency medical treatment while overseas;

b] any messages which need to be passed on to your family or employer in the case of an emergency;

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c] provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas;

d] your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to your home with appropriate medical supervision; and

e] the return to your home of your dependants if they are left without supervision following your hospitalisation or evacuation.

In addition:

f] if you die as a result of an injury or a sickness during your journey, we will pay for the reasonable cost of bringing your remains back to your home. The maximum amount we will pay is $10,000 per person.

Please note that we will not pay for any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral home.

1.1.2 WHAT WE EXCLUDE

To the extent permitted by law, we will not pay:

a] for any expenses for medical evacuation or bringing your remains back to your home unless it has been first approved by Allianz Global Assistance; or

b] if you decline to follow the medical advice we have obtained, and we will not be responsible for subsequent medical, hospital or evacuation expenses.

SECTION 1.2 OVERSEAS EMERGENCY MEDICALPlease note: No cover is provided under this section for cardholders, spouses or dependants:

• who are residents of mainland Australia or Tasmania travelling to offshore territories of Australia; or

• who are residents of an offshore territory of Australia travelling to mainland Australia or Tasmania, or to another offshore territory of Australia.

1.2.1 WHAT WE COVER

a] If you injure yourself overseas, or become sick while overseas, we will reimburse the reasonable medical expenses you incur until you get back to Australia. The medical expenses must have been incurred on the written advice of a medical adviser. You must make every effort to keep your medical expenses or hospital expenses to a minimum.

If Allianz Global Assistance determine, on medical advice, that you should return home for treatment and you do not agree to do so, we will pay you an amount up to the limit shown in the Table of benefits, which we reasonably consider to be equivalent to:

• your medical expenses incurred overseas to the date Allianz Global Assistance advise you to return to your home; plus

• the amount it would cost us to return you to your home; plus

• the non-refundable portion of unused travel and accommodation arrangements you would have incurred had you followed the advice of Allianz Global Assistance.

You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for.We will only pay for treatment received and/or hospital accommodation during the period of cover provided.

b] We will also pay the cost of emergency dental treatment up to limit shown in Part A - Table of benefits - 1.2 Overseas Emergency Medical - Emergency Dental Expenses for dental costs incurred which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and natural teeth. This limit does not apply to dental costs arising from any injury that is covered under sub-section 1.2.1 a].

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1.2.2 WHAT WE EXCLUDE

To the extent permitted by law, we will not pay for expenses:

a] when you have not notified Allianz Global Assistance as soon as practicable of your admittance to hospital;

b] incurred after 2 weeks treatment by a chiropractor, physiotherapist or dentist, unless approved by Allianz Global Assistance;

c] if you do not follow the advice of Allianz Global Assistance;

d] if you have received medical care under a Reciprocal Health Care Agreement;

e] if your claim arises from any medical procedures in relation to AICD/ICD insertion required by you during overseas travel. If you require this procedure, due to sudden and acute onset which occurs for the first time during your period of cover and not directly or indirectly related to a pre-existing medical condition, we will exercise our right based on medical advice, to organise a repatriation to your home for this procedure to be completed;

f] relating to dental treatment involving the use of precious metals or for cosmetic dentistry;

g] for dental treatment caused by or related to the deterioration and/or decay of teeth;

h] for preventative dental treatment; or

i] arising from pre-existing medical conditions.

SECTION 1.3 ACCIDENTAL DEATH1.3.1 WHAT WE COVER

If, during your journey;

a] you are injured and you die because of that injury within 12 months of the injury; or

b] something you are travelling on or in disappears, sinks or crashes and your body is not found within 12 months and you are presumed dead;

we will pay the benefit payable under this section, to your estate.

SECTION 2.1 CANCELLATIONIf you think that you may have to cancel your journey or shorten your journey you must tell us as soon as possible - for more information see under the headings CLAIMS or call the contact number (or if overseas the 24 HOUR EMERGENCY ASSISTANCE number) shown on the back cover of this booklet.

2.1.1 WHAT WE COVER:

If your journey is cancelled, rescheduled or shortened because of circumstances that were not expected or intended by you and are outside your control then we will pay:

a] the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during your journey that you have paid in advance of cancellation and cannot recover in any other way, inclusive of:

• your travel agent’s cancellation fees and any commission or service fees retained by your travel agent up to the amount of commission or service fees that your travel agent would have earned had your journey not been cancelled, limited to $1,500

b] for the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we pay you as follows:

i] for frequent flyer points, air miles or loyalty card points:

• the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking,

multiplied by• the total number of points or air miles lost,

divided by the total number of points or air miles used to make the booking.

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ii] for vouchers, the face value of the voucher or current market value of an equivalent booking whichever is the lesser;

c] your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the cost of cancellation fees and lost deposits that would have been payable under 2.1.1 a] and 2.1.1 b] had your journey been cancelled. We will not pay a claim under 2.1.1 c] in addition to a claim under 2.1.1 a] and 2.1.1 b] for the same services/facilities;.

d] If a relative of yours or of your travelling companion:

• who resides in Australia or New Zealand; and • who is aged 84 years or under,

dies or is hospitalised in Australia or New Zealand as a result of a pre-existing medical condition after the policy is issued, and at the time of policy issue you were, or a reasonable person in your circumstances would have been, unaware of the likelihood of such hospitalisation or death then the most we will pay for all claims under 2.1.1 a] and 2.1.1 b] or 2.1.1 c] is $1,000.

2.1.2 WE WILL NOT PAY

We will not pay your claim if:

a] you were aware, or a reasonable person in your circumstances would have been aware before your policy was issued, of any reason that may cause your journey to be cancelled, rescheduled or shortened;

b] the death, injury or illness of your or your travelling companion’s relative arises from a pre-existing medical condition except as specified under 2.1.1 d];

c] caused by you or your travelling companion changing plans;

d] caused by the breakdown or dissolution of any personal or family relationship;

e] caused by any business, financial or contractual obligations which prevent you or your travelling companion from travelling. This exclusion does not apply to claims where you or your travelling companion are made redundant in Australia except where a reasonable person in a similar situation would have been aware before you became eligible for cover that the redundancy was to occur;

f] a tour operator or wholesaler is unable to complete arrangements for any tour because there were not enough people to go on the tour. This exclusion does not apply to prepaid travel arrangements bought separately to reach the departure point for the tour or for other travel arrangements which do not form part of the tour;

g] caused by delays or rescheduling by a bus line, airline, shipping line or rail authority;

h] caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid;

i] caused by the financial collapse or insolvency of any service provider;

j] caused by the mechanical breakdown of any means of transport;

k] caused by an act or threat of terrorism; or

l] you are a full-time permanent employee and your pre-arranged leave is cancelled by your employer, unless you are a full-time member of the Australian Defence Force or of federal, state or territory emergency services.

SECTION 3.1 ADDITIONAL EXPENSES3.1.1 WHAT WE COVER

a] If you cannot continue your journey because of an injury or sickness which needs immediate treatment from a medical adviser who certifies in writing that you are unfit to travel, we will reimburse your reasonable additional accommodation and travel expenses.

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b] If your travelling companion cannot continue their journey because of an injury or sickness which needs immediate treatment from a medical adviser who certifies in writing that he or she is unfit to travel, we will reimburse your reasonable additional accommodation and travel expenses for you to remain with your travelling companion.

c] If you are in hospital suffering from a life threatening or other serious condition, or are evacuated for medical reasons we will reimburse the reasonable accommodation and travel expenses of your travelling companion or a relative to travel to you, stay near you or escort you. He or she must travel, stay with you or escort you on the written advice of a medical adviser and with the prior approval of Allianz Global Assistance.

d] If you shorten your journey and return to your home on the written advice of a medical adviser approved by Allianz Global Assistance, we will reimburse the reasonable additional cost of your return to your home. We will only pay the cost of the fare class that you had planned to travel at and you must make use of any pre-arranged return travel to your home.

e] If, during your journey, your travelling companion or a relative (of either of you) who is resident in Australia or New Zealand and aged 84 years or under:

• dies unexpectedly;• is injured and because of the injury requires

hospitalisation; or• becomes seriously sick and requires

hospitalisation,(except where the relevant death, injury or sickness arises out of a pre-existing medical condition), we will reimburse the reasonable additional cost of your early return to your home. We will only pay the cost of the fare class you had planned to travel at.

f] If you return to your home because:

• during your journey, a relative of yours who is aged 84 years or under, dies unexpectedly or is hospitalised in Australia or New Zealand following a serious injury or a sickness (except arising from a pre-existing medical condition); and

• it is possible for your journey to be resumed; and

• there is more than 14 days remaining of the period of cover, as noted on your overseas return travel ticket; and

• you resume your journey within 12 months of your return to your home,

we will reimburse you for airfares for you to return to the place you were when your journey was interrupted.The most we will pay under this benefit for all events is $5,000.

g] If, as a result of a pre-existing medical condition, a relative of yours who is aged 84 years or under, dies or is hospitalised in Australia or New Zealand after you became eligible for cover, and at the time you became eligible for cover you were, or a reasonable person in your circumstances would have been, unaware of the likelihood of such hospitalisation or death, we will pay for the reasonable additional cost of your return to your home and/or the cost of airfares for you to return to the place you were when your journey was interrupted. The most we will pay under this benefit for all events is $1,000.

h] In addition, if a disruption to your journey arises from any of the following reasons:

• your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport;

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• you unknowingly break any quarantine rule;• you lose your passport, travel documents or

transaction cards or they are stolen; or• your home is rendered uninhabitable by fire,

explosion, earthquake or flood,we will reimburse your reasonable additional travel and accommodation expenses.

If you did not have a return ticket booked to your home before the injury or sickness occurred, we will reduce the amount of your claim by the price of the fare to your home from the place you planned to return to your home from. The fare will be at the same fare class as the one you left your home on.

Whenever claims are made by you under this section and SECTION 2.1 CANCELLATION for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both.

3.1.2 WHAT WE EXCLUDE

To the extent permitted by law, we will not pay your claim:

a] if you were aware, or a reasonable person in your circumstances would have been aware, of any reason, before your period of cover commenced, that may cause your journey to be cancelled, disrupted or delayed;

b] if the death, injury or illness of your relative arises from a pre-existing medical condition, except as specified under sub-section 3.1.1 g];

c] if you can claim your additional travel and accommodation expenses from anyone else;

d] if your claim relates to the financial collapse or insolvency of any service provider;

e] if caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid;

f] 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;

g] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement.

SECTION 3.2 TRAVEL DELAY EXPENSES3.2.1 WHAT WE COVER

If a delay to your journey, for at least 6 hours, arises from circumstances outside your control, we will reimburse the cost of your reasonable additional meals and accommodation expenses.

We will pay up to $500 at the end of the initial 6 hour period.

3.2.2 WHAT WE EXCLUDE

We will not pay if:

a] a delay to your journey arises from an act or threat of terrorism;

b] your claim is caused by the financial collapse or insolvency of any service provider.

SECTION 4.1 COVERED ITEMS & VALUABLES4.1.1 WHAT WE COVER

a] If, during your journey, your covered items or valuables are stolen, accidentally damaged or are permanently lost (except when: left in a vehicle; is sporting equipment in use; or are valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus) we will pay the lesser of:

• the repair cost; • the replacement cost; • the amount it would cost us to repair or replace

the item(s) allowing for any trade discounts we are entitled to;

• the original purchase price; or• the depreciated value after allowing for age,

wear and tear.

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We have the option to repair or replace the covered items or valuables instead of paying you.The maximum amount we will pay for any item is:

• $2,000 for personal computers, video recorders or cameras;

• $750 for mobile phones (including PDAs and any items with phone capabilities); or

• $750 for all other items.A pair or related set of items, for example (but not limited to):

• a camera, lenses (attached or not), tripod and accessories;

• a matched or unmatched set of golf clubs, golf bag and buggy; or

• a matching pair of earrings,are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied.

b] Covered items left in a vehicle are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced entry must have been made. The most we will pay is $200 for each item, and $2,000 in total for all stolen items.

c] No cover is provided for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip.

d] No cover is provided for the loss or damage to, or of, sporting equipment while in use (including surfboards).

4.1.2 WHAT WE EXCLUDE

To the extent permitted by law, we will not pay a claim in relation to your covered items or valuables if:

a] you do not report the loss, theft or misplacement within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to;

b] the loss, theft or damage is to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus;

c] the covered items or valuables were being sent unaccompanied by you or under a freight contract;

d] the loss or damage arises from any process of cleaning, repair or alteration;

e] the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin;

f] the covered items or valuables were left unsupervised in a public place;

g] the covered items or valuables have an electrical or mechanical breakdown;

h] the covered items or valuables are fragile, brittle or an electronic component is broken or scratched - unless either:

• it is the lens of spectacles, binoculars or photographic or video equipment; or

• the breakage or scratch was caused by a crash involving a vehicle in which you are travelling;

i] you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear)

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SECTION 5.1 RENTAL VEHICLE EXCESSCover is only provided under this section if your rental vehicle agreement specifies an excess, deductible or damage liability fee that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the excess, deductible or damage liability fee applies.

The maximum amount we will pay under this section is the amount of the excess, deductible or damage liability fee that is specified in your rental vehicle agreement up to the limit shown in Part A - Table of benefits - 5.1 Rental Vehicle Excess

5.1.1 WHAT WE COVER

a] If, during your period of cover, a rental vehicle you have rented from a rental company or agency is:

• involved in a motor vehicle accident while you are driving it; or

• damaged or stolen while in your custody,then we will pay you the lesser of:

• the specified excess, deductible or damage liability fee that you are liable to pay under your rental vehicle agreement; or

• property damage for which you are liable.You must provide a copy of:

• your rental vehicle agreement;• the incident report that was completed;• repair account;• an itemised list of the value of the damage; and• written notice from the rental company or

agency advising that you are liable to pay the specified excess, deductible or damage liability fee.

b] If you are injured or become sick and your attending medical adviser certifies in writing that you are unfit to return your rental vehicle to the nearest depot during your journey, then we will pay up to $500 for the cost of returning your rental vehicle.

5.1.2 WHAT WE EXCLUDE

To the extent permitted by law, we will not pay a claim involving the theft or damage to your rental vehicle if the claim arises directly or indirectly from, or is in any way connected with, or is for:

a] you using the rental vehicle in breach of the rental agreement;

b] you using the rental vehicle without a licence for the purpose that you were using it; (such as but not limited to the carrying of passengers or freight); or

c] administrative charges or fees of the rental company that are not a component of the excess, deductible or damage liability fee specified in your rental vehicle agreement.

SECTION 6.1 PERSONAL LIABILITY6.1.1 WHAT WE COVER

If you become legally liable to pay compensation for:

• death or bodily injury to someone else; or• physical loss of, or damage to, someone

else’s propertyas a result of an accident, or a series of accidents arising out of the one event, that happens during your journey, then we will cover you for:

• the compensation (including legal costs) awarded against you; and

• any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Global Assistance before incurring these costs.

We must be told as soon as you or your personal representatives are, or a reasonable person in your circumstances would have been, aware of a possible prosecution, inquest, fatality, accident or incident which might lead to a claim against you.

You must not pay or promise to pay, settle with, admit or deny liability to anyone who makes a claim against you without our written consent.

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6.1.2 WHAT WE EXCLUDE

To the extent permitted by law, we will not pay any amount you become legally liable to pay if the liability arises directly or indirectly from, or is in any way connected with, or is for:

a] bodily injury to you, your travelling companion or to a relative or employee of any of you;

b] loss of or damage to property belonging to, or in the care, custody or control of you, your travelling companion, a relative or an employee of any of you;

c] your ownership, custody, control or use of any firearm or weapon, aerial device, watercraft or motorised vehicle;

d] your conduct of, or employment in any business, profession, trade or occupation;

e] any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under Workers Compensation legislation, an industrial award or agreement, or Accident Compensation legislation;

f] any fine or penalty, or aggravated, punitive, exemplary or liquidated damages;

g] illness, sickness or disease that is transmitted by you;

h] any relief or recovery from you other than monetary amounts;

i] a contract that imposes on you a liability which you would not otherwise have;

j] 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.

ClaimsPlease do not contact ING in the event of a claim.First check that you are covered by reading the appropriate section in this booklet and the Exclusions - what is not covered to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions.

You are not covered for events occurring after termination of, or the expiry of the period of insurance specified in, the Group Policy. ING will provide you with details of any replacement cover.

How to make a claimYou must give Allianz Global Assistance notice of your claim as soon as possible.

If there is a delay in claim notification, or you do not provide sufficient detail for Allianz Global Assistance to consider your claim, we can reduce any claim payable by the amount of prejudice we have suffered because of the delay.

You must give any information Allianz Global Assistance reasonably asks for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of purchase and ownership. If required Allianz Global Assistance may ask you to provide them with translations into English of any such documents to enable their consideration of your claim.

You must co-operate at all times in relation to providing supporting evidence and such other information that may reasonably be required.

a] If you think that you may have to cancel your journey or shorten your journey you must tell us as soon as possible. Contact Allianz Global Assistance using the contact number, or if overseas the 24 HOUR EMERGENCY ASSISTANCE number, shown on the back cover of this booklet.

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b] For medical, hospital or dental claims, contact Allianz Global Assistance as soon as practicable.

c] For loss or theft of your covered items or valuables, report it immediately to the police and obtain a written notice of your report. You must do this within 24 hours of learning of the theft, loss or damage and the report must list and describe the missing or damaged covered items.

d] For damage or misplacement of your covered items or valuables, caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they may make.

e] Submit full details of any claim in writing within 30 days of your return home.

Depreciation and repairing or replacing your covered items and valuablesIn the event that a covered item is damaged, accidentally lost or stolen Allianz Global Assistance may choose to:

• repair the covered item;• replace the covered item, less an amount which

takes into consideration its age as shown below; or• pay you the amount it would cost us to replace

the covered item less an amount which takes into consideration its age as shown below; or

• pay you the depreciated value after allowing for age, wear and tear; or

• pay you the amount it originally cost you to buy the covered item however, where the covered item is part of a pair or set, you will receive no more than the value of the particular part or parts lost, stolen or damaged, regardless of any special value that the covered item may have by way of being part of such pair or set.

Where Allianz Global Assistance choose:• they may require proof of ownership/purchase

from you. In instances where you are not able to supply proof of ownership/purchase or other evidence which Allianz Global Assistance deem satisfactory for the purpose of proving ownership/ purchase, they may be unable to properly assess or approve your claim; and

• covered items left unsupervised in a vehicle which are not excluded from cover, are only covered up to $200 per item to a maximum of $2,000 per event; and

• under no circumstances will we pay you for valuables left unsupervised in a vehicle at any time.

When taking into consideration the age of a covered item we will deduct the following amounts from our settlement or replacement cost:

• For toiletries (including skin care, make-up, perfume and medications) we will deduct 3.00% for each month you have owned the article to a maximum amount of 80%.

• For phones, electrical devices, communication devices, all computers, photographic equipment, tablets and electronics equipment we will deduct 1.75% for each month you have owned the article up to a maximum amount of 60%.

• For clothing, footwear, luggage and books we will deduct 1.75% for each month you have owned the article to a maximum amount of 80%.

• For camping, sporting and leisure equipment (but not leisure clothing) and musical instruments we will deduct 1.00% for each month you have owned the article up to a maximum 60%.

• For jewellery we will deduct 0.25% for each month you have owned the article to a maximum amount of 25%.

• For all other articles we will deduct 1.25% for each month you have owned the article to a maximum amount of 60%.

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For example: If your stolen bracelet has been owned for 8 years (96 months) and we can replace it for $1,000, your claim would be for $760, as we will deduct $240 ($1,000 x 24% {i.e. 96 months x 0.25%/month}) from our replacement cost. This assumes that the stolen bracelet originally cost you at least $760.

We would then deduct your excess contribution from this amount.

Documentation required to support your claimYou must provide Allianz Global Assistance with any evidence/documentation they require to verify your claim. Depending on the cover you are claiming under, this might include (but is not limited to) any of the following:

• proof that you are eligible for cover, e.g. your eligible Card account statement and/or ING Card receipt to confirm the purchase of your overseas travel ticket, or other acceptable proof to establish that you obtained your overseas travel ticket in accordance with the criteria set out in the section headed Who is eligible for the cover provided?;

• if your covered items were stolen, willfully damaged, or accidentally lost you must give us the police report number, or if the incident occurred whilst you were overseas, a copy of the report you obtained from the police or nearest government agency or authority. The report should be certified by the relevant authority as being a true and correct copy of the original;

• proof of your ownership of any lost, stolen or damaged covered items - e.g. purchase receipts, tax invoices, eligible Card account statements;

• receipts or tax invoices for any expenses you claim;

• medical reports or medical certificates;• evidence of your intended flight - e.g. ticket,

travel agent’s itinerary showing your flight or a letter from the airline;

• evidence of the delay, including in the case of luggage delay, a lost property/delayed property report issued by the airline concerned;

• receipts, tax invoices or eligible Card account statements showing the purchase of any covered items you buy to replace those that were lost or stolen or purchased as emergency replacement of your clothes and toiletries;

• certified translations of any foreign language documents you submit as verification of the events causing your claim;

• if any covered items are lost or stolen during the time that a carrier was responsible for looking after them, you must get a letter from the carrier explaining what happened and stating the amount of compensation you received from them;

• if your travel or accommodation arrangements are cancelled and you intend claiming, you must provide a letter from the carrier, hotel, etc., outlining the refund you were entitled to;

• any damaged covered items for which you are claiming so that they can be inspected by us or our authorised representative;

• a quote (at your expense) for the replacement of lost or stolen covered items, or quote for the repair of damaged or broken down covered items.

Claims are payable in Australian dollarsWe will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Payment will be made by direct credit to a bank account nominated by you.

You must not admit fault or liability You must not admit that you are at fault, for any accident, incident or event causing a claim, and you must not offer or promise to pay any money, or become involved in legal action, without the approval of Allianz Global Assistance.

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You must help us recover any money we have paid If we have a claim against someone in relation to the money we have to pay or we have paid, you must do everything you can to help us do that in legal proceedings. If you are aware of any third party that you or we may recover money from, you must inform us of such third party.

SubrogationIn certain circumstances, we may have the right to sue others in your name to recover money payable under this Group policy. If this occurs, you must assist us and act in an honest and truthful way.

When making a claim you must advise us of any details of any other insurance under which you are entitled to claim.

You must also, as far as allowed by law, give us all the assistance we may require to institute proceedings against other parties for the purpose of enforcing rights or remedies to which we would become entitled or subrogated upon, by making good any loss or damage under the cover described in this booklet.

Recovery We will apply any money we recover from someone else under a right of subrogation in the following order:

1. To us, our costs (administration and legal) arising from the recovery.

2. To us, an amount equal to the amount that we paid to you under your policy.

3. To you, your uninsured loss (less your excess).

4. To you, your excess.

Once we pay your total loss we will keep all money left over.

If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you.

If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you.

How GST may affect your claim If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit.

FraudWhen making a claim you have a responsibility to assist us and to act in an honest and truthful manner.

If any claim is fraudulent in any way or if you or anyone acting on your behalf uses fraudulent means to make a claim on the cover described in this booklet, then no payment will be made in regard to the claim.

Also ING will be informed of the situation and you may no longer be eligible for the cover described in this booklet.

Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud.

You can help by reporting insurance fraud by calling Allianz Global Assistance on 1800 453 937. All information will be treated as confidential and protected to the full extent under law.

IMP1

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ClaimsPhone: +617 3360 7701 (reverse charge from overseas)

Phone: 1800 754 190 (within Australia)

Email: [email protected]

Mail: Locked Bag 3014, Toowong DC, 4066

24 hour Emergency AssistancePhone: +61 7 3305 7499 (reverse charge from overseas)

Phone: 1800 010 075 (within Australia)

This insurance is issued and managed byAWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence No. 245631 74 High Street, Toowong QLD 4066

This insurance is underwritten byAllianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 2 Market Street, Sydney NSW 2000

INGD

IRN

ACIT

I 05

2017


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