Plan D – Medibank Private Frequent Traveller
Plan D – Medibank Private Frequent Traveller
Provides an annual policy for frequent/business travellers, providing comprehensive cover for multiple journeys over a year.
Your insurance only applies from when you leave your home in Australia to go directly to the place you depart from your travels, and ends when you return to your home. Cover is limited to a maximum duration of 90 days per business trip and 37 days per leisure trip, multiple journeys over 12 months.
This is a summary of benefits. Please read the Product Disclosure Statement carefully for the complete details of “What we will pay” and “What we will not pay”. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the product disclosure statement.
Plan D – Frequent Traveller
Benefits
| Section |
Benefit |
Single |
| 1 |
Cancellation Fees and Lost Deposits |
unlimited |
| 2 |
Overseas Emergency Medical Assistance |
unlimited |
| 3 |
Overseas Emergency Medical/Dental/Hospital Expenses |
unlimited |
| 4 |
Additional Expenses |
$50,000 |
| 5 |
Hospital Cash Allowance |
$5,000 |
| 6 |
Accidental Death |
$25,000 |
| 7 |
Permanent Disability |
$25,000 |
| 8 |
Loss of Income |
$10,400 |
| 9 |
Travel Documents, Credit Cards & Travellers Cheques |
$5,000 |
| 10 |
Theft of Cash |
$250 |
| 11 |
Luggage and Personal Effects |
$7,500 |
| 12 |
Luggage and Personal Effects Delay Allowance |
$250 |
| 13 |
Travel Delay – Disruption of Journey |
$1,000 |
| 14 |
Alternative Transport Expenses |
$5,000 |
| 15 |
Personal Liability |
$5 million |
| 16 |
Rental Vehicle |
$3,000 |
Plan D – Frequent Traveller
Amount Payable
| |
Single |
| 12 months |
$435 |
$391.50 |
| Non-members prices |
Medibank Private members 10% discount prices |
| Premiums listed are for travellers up to 70 years of age only. Cover is not available for travellers aged 71 years and over. |
Summary Of Benefits
Plan D Frequent Traveller Cover (includes benefit sections 1 to 16 whilst travelling internationally and sections 1, 4 & 6 to 16 whilst travelling in Australia which involves an interstate destination or intrastate destination (minimum of 250kms from home)).
This is only a Summary of the Benefits. Please read the policy wording carefully for the complete details of “We Will Pay” and “We Will Not Pay” and which types of cover are provided under each plan. Importantly, please note that exclusions and limits do apply to the cover and these are set out in the policy wording.
Section 1 Cancellation Fees and Lost Deposits
Cover for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control,
such as:
- Sickness
- Accidents
- Strikes
- Collisions
- Retrenchment
- Natural Disasters
Section 2 Overseas Emergency Medical Assistance
Cover for emergency medical assistance including:
- 24 Hour Emergency Medical Assistance
- Ambulance
- Medical Evacuations
- Funeral Arrangements
- Messages to Family
- Hospital Guarantees
Section 3 Overseas Emergency Medical, Dental and Hospital Expenses
Cover for overseas medical treatment if you are injured or become sick overseas, including:
- Medical
- Hospital
- Surgical
- Nursing
- Restoration of dental functions to sound and natural teeth
Section 4 Additional Expenses
Cover for additional accommodation and travel expenses caused by your health problems or someone else’s resulting from:
- Sickness
- Accidental injury
- Death
Also cover for travelling companion or relatives accommodation and travel expenses to travel to, stay near or escort you resulting from:
- Hospitalisation
- Medical Evacuation
Section 5 Hospital Cash Allowance
An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours.
Section 6 Accidental Death
A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury.
Section 7 Permanent Disability
A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during
your journey.
Section 8 Loss of Income
A weekly Loss of Income benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days.
Section 9 Travel Documents, Credit Cards and Travellers Cheques
Cover to replace costs of travel documents lost or stolen from you during your journey, such as:
- Passports
- Credit Cards
- Travel Documents
- Travellers Cheques
Section 10 Theft of Cash
Cover for the following items stolen from your person, up to $250 for all claims combined:
- Bank Notes
- Cash
- Currency Notes
- Postal Orders
- Money Orders
Section 11 Luggage and Personal Effects (additional options available)
Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:
- Luggage
- Spectacles
- Personal Effects
- Personal Computers
- Cameras
Section 12 Luggage and Personal Effects Delay Allowance
An allowance to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours.
Section 13 Travel Delay Allowance
Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.
Section 14 Alternative Transport Expenses
Cover for additional travel expenses following transport delays to reach events such as:
- Wedding
- Funeral
- Conference
- Sporting Event
- Pre-paid travel/tour arrangements
Section 15 Personal Liability
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
Section 16 Rental Vehicle
Cover for car excess payable on Motor Vehicle Insurance resulting from your rental vehicle being:
- Stolen
- Crashed
- Damaged and/or cost of returning rental vehicle due to you being unfit
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