Corporate Travel
CorporateTravelAHIProduct Disclosure Statement (PDS)and Policy Wording1800 618 700ahiinsurance.com.auAugust 2019(for policies with an effective date of 23/09/2019 onwards)CT 230920191
ContentsImportant Information . 4Product Disclosure Statement . 5Policy Wording . 11Important Notice .11Benefits .12Death and Capital Benefits . 13Weekly Sickness Benefit . 15Weekly Injury Benefit . 16Broken / Fractured Bones Benefits. 17Accidental HIV Infection Lump Sum Benefit . 17Childcare Benefit . 18Coma Benefit . 18Corporate Image Protection Benefit . 19Dependent Child Supplement Benefit . 19Driver Services Benefit . 20Education Fund Benefit . 20Family Accommodation and Transport Expenses Benefit . 22Financial Advice Benefit . 22Home and Vehicle Modification Benefit . 23Orphaned Benefit . 24Partner Accidental Death Benefit . 24Partner Employment Training Benefit . 25Retraining and Rehabilitation Expenses Benefit . 25Unexpired Membership Benefit . 26Medical and Medical Evacuation Expenses . 26Hospitalisation Overseas Expenses Benefit . 27Additional and/or Forfeited Expenses . 28Corporate Event Benefit . 29Hijack Benefit. 32Illegal Detention Benefit . 32Legal Expenses . 33Missed Transport Connection . 33Overbooked Flight Benefit . 34Pet Boarding Expenses Benefit. 34Repatriation of Mortal Remains / Funeral Expenses . 35Trauma Counselling Benefit. 35Loss of Deposits and Cancellation Expenses . 36Baggage Benefit . 37Data Connection Benefit . 38Data Recovery Benefit . 39Delayed Baggage . 40CT 230920192
Electronic Equipment . 42Identity Theft Extension Benefit . 43Lost Keys and Locks . 44Money Benefit . 45Repatriation of Belongings Benefit . 45Kidnap, Detention, Extortion and Ransom . 46Extra Territorial Workers Compensation . 47Hire Vehicle Excess Benefit . 48Private Vehicle Excess Benefit . 49Towing and Roadside Assistance Expenses . 51Alternative Employee / Resumption of Journey Expenses Benefit . 52Personal Liability . 52Political Risk, Natural Disaster and Personal Safety Evacuation Expenses . 53Accommodation Expenses . 54Search and Rescue Expenses . 55Life Insurance . 56Financial Collapse Benefit. 57General Exclusions .59General Conditions and Limitations .60AHI Standard Definitions .64CT 230920193
Important InformationThis document contains two parts:- Product Disclosure Statement - contains general information the Insured needs to be aware of before applying for the product and aboutthe Policy; and- The Policy Wording - contains the terms and conditions of this insurance Policy.CT 230920194
ProductDisclosureStatementCT 230920195
Accident & Health International (AHI)Accident & Health International Underwriting Pty Limited, ABN26 053 335 952, AFS Licence No. 238261 (AHI) is anunderwriting agency specifically created to provide PersonalAccident, Medical and Travel insurance. AHI acts on behalf ofTokio Marine & Nichido Fire Insurance Co., Ltd, ABN 80 000 438291, AFS Licence No. 246548 (TMNF), with full authority toquote and issue contracts of insurance, collect premiums andpay claims.3.‘Insured Person’ means any person shown by name,classification or meeting the criteria specified for anInsured Person in the Policy Schedule for the insurancecover selected by the Insured and with respect to whothe premium has been paid. The Insured Person andthe type of cover chosen will be set out in the PolicySchedule.What the Policy consists ofThe Policy consists of:For any queries about this Policy, please contact the appointedinsurance advisor. Their details are shown in the PolicySchedule. In the event there is no appointed advisor, pleasecontact AHI. Their details are in this document.1.2.The InsurersThe Insurers of the Policy are:1.2.3.Tokio Marine & Nichido Fire Insurance Co., Ltd, ABN 80000 438 291, AFS Licence No. 246548 (TMNF) for allBenefits other than the Life Insurance Benefit and theFinancial Collapse Benefit, andAIA Australia Limited, ABN 79 004 837 861, AFSLicence no. 230043 for the Life Insurance Benefit only.Cover for the Life Insurance Benefit of the AHICorporate Travel Insurance Policy is provided through agroup life insurance policy issued by AIA AustraliaLimited (AIA), andLiberty Mutual Insurance Company, ABN 086 083 605,trading as Liberty International Underwriters (LIU) forthe Financial Collapse Benefit only which is issued andarranged through their agent International PassengerProtection Limited.What is a Product Disclosure StatementThis Product Disclosure Statement (PDS) contains importantinformation about the Policy to assist in making an informeddecision when choosing this insurance. In this PDS:1.2.‘We’, ‘Our’, ‘Us’ meansa.Tokio Marine & Nichido Fire Insurance Co., Ltd,ABN 80 000 438 291, AFS Licence No. 246548(TMNF) for all Benefits other than the LifeInsurance Benefit and the Financial CollapseBenefit, andb.AIA Australia Limited, ABN 79 004 837 861,AFS Licence no. 230043 for the Life InsuranceBenefit only. Cover for the Life InsuranceBenefit of the AHI Corporate Travel InsurancePolicy is provided through a group lifeinsurance policy issued by AIA AustraliaLimited (AIA), andc.Liberty Mutual Insurance Company, ABN 086083 605, trading as Liberty InternationalUnderwriters (LIU) for the Financial CollapseBenefit only which is issued and arrangedthrough their agent International PassengerProtection Limited.‘Insured’ means the person or company who is namedin the Policy Schedule as the Insured. The Insured is thecontracting party for this Policy.CT 23092019the Policy Wording document which sets out details ofthe Insured’s cover, applicable terms, conditions,limitations and exclusions; anda Policy Schedule, approved by Us, which sets out whois insured, the cover(s) selected, the Period ofInsurance, the limits of liability, excesses and otherimportant information. This is referred to as the PolicySchedule in this Policy document.The Policy and current Policy Schedule should be carefully readand retained by the Insured. These documents should be readtogether as they jointly form the contract of insurance betweenUs and the Insured. Any new or replacement Policy Scheduledetailing changes to the Policy or the Period of Insurance Wemay send to the Insured will become the current PolicySchedule, which should be carefully read and retained by theInsured.The Purpose of the CoverThis insurance is entered into with the Insured and providescover in relation to Insured Persons. In some cases, the Insuredmay also be an Insured Person.Insured Persons who are not the Insured are not parties to thecontract between Us and the Insured. This means an InsuredPerson cannot cancel or vary the Policy in any way (only theInsured can do this).Insured Persons who are not the Insured have a right to recovertheir loss in accordance with Section 48 of the InsuranceContracts Act. Section 48 states that Insured Persons have thesame obligations in relation to a claim made by them that theInsured would have to Us (for example, complying with claimsconditions such as subrogation) and may discharge theInsured’s obligations in relation to a loss. We have the samedefences to an action by an Insured Person as We would in anaction by the Insured.Where the Policy covers Insured Persons (other than theInsured), the Insured:1.2.3.is not Our agent;acts independently from Us in entering into thisinsurance to provide cover to Insured Persons; andis not authorised by Us to provide anyrecommendations or options about the insurance orother financial services to an Insured Person.Any notices of expiry, variation, avoidance or cancellation will besent by Us to the Insured. We will not provide any notices in6
relation to this insurance to the Insured Persons. The Insured isrequired to notify Insured Persons when this occurs.The Insured can select cover from any of the following Benefitsincluded in the Policy:Medical and Medical Evacuation ExpensesHospitalisation Overseas Expenses BenefitAdditional and/or Forfeited ExpensesCorporate Event BenefitHijack BenefitIllegal Detention BenefitLegal ExpensesMissed Transport ConnectionOverbooked Flight BenefitPet Boarding Expenses BenefitRepatriation of Mortal Remains / Funeral ExpensesTrauma Counselling BenefitLoss of Deposits and Cancellation ExpensesBaggage BenefitData Connection BenefitData Recovery BenefitDelayed BaggageElectronic EquipmentIdentity Theft Extension BenefitLost Keys and LocksMoney BenefitRepatriation of Belongings BenefitKidnap, Detention, Extortion and RansomExtra Territorial Workers CompensationHire Vehicle Excess BenefitPrivate Vehicle Excess BenefitTowing and Roadside Assistance ExpensesAlternative Employee / Resumption of Journey Expenses BenefitPersonal LiabilityPolitical Risk, Natural Disaster and Personal Safety EvacuationExpensesAccommodation ExpensesSearch and Rescue ExpensesLife InsuranceFinancial Collapse BenefitBenefitsAge LimitationThe following Benefits are included in this Policy. The SumInsured for each is shown in the Policy Schedule. If the SumInsured shown in the Policy Schedule is 0.00 for a particularBenefit, no cover is provided under this Policy for that Benefit.The circumstances under which a claim is payable for each ofthese covers is detailed under “Benefits” in the Policy Wording.Age limits apply to this policy. No cover is provided for InsuredPersons who are not aged between the minimum and maximumage limits of the Policy at the time of an Event.Our Agreement with the InsuredIf We accept the application for cover, the Insured and InsuredPersons will be insured under this Policy for:1.loss or damage caused by one or more of the insuredevents set out in this Policy; andthe other Benefits, as set out in this Policy,2.during the Scope of Cover as shown on the Policy Schedule.This cover will be given on the basis:1.that the Insured has paid or agreed to pay Us thepremium for the cover the Insured selected when coverwas requested and which the current Policy Scheduleindicates is in force; andof the verbal and/or written information provided by theInsured to Us prior to inception of the Policy.2.Choosing the most suitable CoverCover is provided for the Insured (where the Insured is also anInsured Person) and the Insured Persons as set out in the PolicySchedule.It is important that the Insured makes sure that the Sum Insuredthey have selected for each Benefit provides sufficientprotection for their needs.Death and Capital BenefitsWeekly Injury BenefitWeekly Sickness BenefitBroken / Fractured Bones BenefitsAccidental HIV Infection Lump Sum BenefitChildcare BenefitComa BenefitCorporate Image Protection BenefitDependent Child Supplement BenefitDriver Services BenefitEducation Fund BenefitFamily Accommodation and Transport Expenses BenefitFinancial Advice BenefitHome and Vehicle Modification BenefitOrphaned BenefitPartner Accidental Death BenefitPartner Employment Training BenefitRetraining and Rehabilitation Expenses BenefitUnexpired Membership BenefitCT 230920191.2.The maximum age limit is shown in the Policy Scheduleagainst “Maximum Age Limit (sub limits may apply)”. If“Maximum Age Limit (sub limits may apply)” is notshown in the Policy Schedule, no maximum age limitapplies to the Policy.The minimum age limit is shown in the Policy Scheduleagainst “Minimum Age Limit (sub limits may apply)”. If“Minimum Age Limit (sub limits may apply)” is notshown in the Policy Schedule, no minimum age limitapplies to the Policy.Specific age limits may also apply to each Benefit included onthis Policy. Please refer to each Benefit for full details.The most We will PayThe Policy may include an Aggregate Limit of Liability which isthe most We will pay for all Benefits in any one Period ofInsurance under this Policy. If applicable, it is shown in thePolicy Schedule against “Aggregate Limit of Liability”. We mayalso include an Aggregate Limit of Liability for specific Benefitsor Events. If We include a specific Aggregate Limit of Liability for7
a Benefit or an Event, such limit will be shown in the PolicySchedule. The Aggregate Limit of Liability does not apply to thePersonal Liability Benefit or the Medical and Medical EvacuationExpenses Benefit if they are included on the Policy. In the eventthis limit is reached, the amount can be reinstated with Ouragreement and payment of the appropriate additional premium(plus any charges).Choosing a Sum InsuredIt is important that the Insured makes sure that the Sum Insuredthey have selected for each Benefit provides sufficientprotection for its needs or the Insured Persons' needs.Policy Cost and PaymentThe cost of the Policy will be shown on the quotation Weprovide, once We have received all required information tocomplete the quotation. The cost of the Policy is calculatedaccording to various risk indicators such as:- Age of Insured Persons- Occupation of Insured Persons- Activities undertaken during the Scope of Cover- Previous claims experience for this type of risk- Risk location- The Benefit Sum InsuredThe cost of the Policy is made up of premium, administrationfees and government taxes (such as Goods & Services Tax(GST) and Stamp Duty), where applicable.Renewal ProcedureBefore this Policy expires We will normally offer renewal bysending a renewal invitation advising the amount payable torenew this Policy. It is important that the Insured checks theinformation shown before renewing each year to be satisfiedthat the details are correct.Making a Claim and what is an Excess, Deferral Period and CopaymentsIf the Insured or Insured Person needs to make a claim, pleasesend a written notice of the claim to AHI within thirty (30)consecutive days of the date of the incident occurring or as soonas reasonably possible. AHI will provide a copy of the claimform which will need to be fully completed. We will not beresponsible for any payments under the Policy unless this formis fully completed and returned to AHI. Any costs involved in thecollection of information for the form are the responsibility ofthe Insured or Insured Person.At any time after a claim has been lodged We may conductenquiries into the circumstances of the claim. We may ask formedical examinations or, in the event of death, We may requestan autopsy. This will be done at Our expense.Any payments will be made in Australian (AUD) dollars unlessotherwise shown in the Policy Schedule.Once a payment is made under this Policy, We may attempt torecover the amount We have paid to the Insured or InsuredPerson if We find someone else is responsible for the loss ordamage. We will do this in the name of the Insured or InsuredPerson as applicable. We may also need to defend the Insuredor the Insured Person against allegations of loss or damage, inwhich case We require their full co-operation with Us at all times.Depending on the circumstances of the claim, an Excess orDeferral Period may apply, or the Insured or Insured Person maybe required to contribute to the cost of the claim as follows:1.2.3.Taxation ImplicationsThis Policy may be subject to a Goods & Services Tax in relationto premium.Depending on the location of the risk being insured, this Policymay be subject to Stamp Duty in relation to premium and GST.Excess - an Excess is the amount paid by the Insured orInsured Person when a claim is made.Deferral Period – a Deferral Period is the continuousperiod of time shown in the Policy Schedule duringwhich no Benefits are payable.Co-payments – a co-payment is an arrangement whereWe will reimburse a portion of an expense that hasbeen incurred leaving the remainder to be paid by theInsured Person.To see some example claims scenarios please visitwww.ahiinsurance.com.au/claims-examples .Cooling-OffDepending upon the Insured or Insured Person’s entitlement toclaim Input Tax Credits under this Policy, We may reduce thepayment of any claim by the amount of any Input Tax Credit.Any claim paid in respect of the Weekly Injury Benefit or WeeklySickness Benefit is subject to personal income tax. Where Weare required to do so, We will withhold personal income taxamounts from claim payments We make and forward theseamounts to the Australian Taxation Office on behalf of theInsured or Insured Person. Where required, We will provide theInsured a summary of the amounts withheld at the end of eachfinancial year.The Insured has a cooling-off period of twenty-one (21)consecutive days from the date on which the Policy was issuedto cancel the Policy. If the request is made to Us in writing tocancel the Policy within the twenty-one (21) consecutive days,We will cancel the Policy and provide a full refund of premiumless charges or taxes which we are unable to recover, providedneither the Insured nor any Insured Person has exercised a rightor power under the terms of the Policy in that period (e.g.Insured Person has started their Journey, the Policy has alreadyexpired or if any claim has been made under the Policy).Dispute ResolutionThe Insured and /or Insured Persons should consult anauthorised tax advisor if there are any questions that relate totheir particular circumstances.CT 23092019We and AHI will do everything possible to provide a qualityservice at all times. If there are any concerns or complaints8
about Our products or service, AHI staff are always available tolisten and help where possible.If, after speaking with an AHI staff member, the complaintremains unresolved to the Insured’s or Insured Person'ssatisfaction, the matter can be referred (either in writing orverbally) and reviewed through AHI’s Complaints and DisputeResolution Process, which is free of charge. Please contact theDisputes Resolution Manager (please see contact details for AHIin this Product Disclosure Statement). The process willundertake to provide an answer to the Insured or Insured Personwithin fifteen (15) consecutive business days, subject to allnecessary information being provided.If the Insured or Insured Person is not satisfied with the outcomeof the dispute resolution process or We cannot agree onalternative timeframe and would like to take the complaintfurther, the Insured may refer the matter to the AustralianFinancial Complaints Authority (AFCA), an external disputeresolution body, subject to eligibility. Access to the AFCAprocess is free of charge.Please contact AHI to request further information about AFCA orcontact:Australian Financial Complaints AuthorityGPO Box 3Melbourne VIC 3001Telephone: 1800 931 678Email: info@afca.org.auWeb: www.afca.org.auPrivacyAHI – PrivacyAs part of AHI’s dealings with the Insured and Insured Persons,AHI may need to collect personal information (which mayinclude sensitive information) when the Insured is applying for,changing or renewing a Policy with Us or when We areprocessing a claim in order to help Us properly administrate theInsured’s insurance proposal, policy or claim. AHI will collect thisinformation directly from the Insured or Insured Person wherepossible, but there may be occasions when AHI collects thisinformation from a third party such as an insurance advisor.AHI will only use information for the purposes for which it wascollected, other related purposes and as permitted or required bylaw. The level of quality and/or quantity of information providedmay affect AHI’s ability to provide insurance cover as needed.AHI may share this information with other companies within itsgroup and third parties who provide services to AHI or on Ourbehalf, some of which may be located outside of Australia.For more details on how AHI collects, stores, uses and disclosespersonal information, please read AHI’s privacy policy located atwww.ahiinsurance.com.au. Alternatively, contact AHI atprivacy@ahiinsurance.com.au or call (02) 9251 8700 to requesta copy be sent.It is recommended to obtain a copy of this privacy policy andread it carefully. By applying for, using or renewing any of AHI’sproducts or services, or providing AHI with collected personalCT 23092019information, agreement is granted to AHI to this informationbeing collected, stored
Benefits other than the Life Insurance Benefit and the Financial Collapse Benefit, and 2. AIA Australia Limited, ABN 79 004 837 861, AFS Licence no. 230043 for the Life Insurance Benefit only. Cover for the Life Insurance Benefit of the AHI Corporate Travel Insurance Policy is provided through a group life insurance policy issued by AIA Australia
1. Corporate Travel Booked through a UW contracted Travel agency listed on the Travel Services Website. 2. Athletics Travel Booked through Athletics travel desk. 3. State of WA Travel Booked through the following as listed on the Travel Services Website. UW contracted Travel agency State contracted Travel agency EasyBiz
a company travel configuration is created for each country the legal entity is located in. Features Available in Travel System Admin To access Travel System Admin, on the menu, click Administration Travel (on the sub-menu) Travel System Admin. NOTE: If Travel System Admin is your only Travel option, then the commands are
Travel Agency to: Travel Agency rve cel Travel Agency to: – Reserve a Travel: – Cancel a Travel Pay the Travel Payment f a Travel re s Insurance P H – Pay the Travel a The Travel Agency needs to be in contact with a Visa cilities ervation faciliti e urchase nds on be in contact with a Visa payment center in order to be paid by the .
53 Best Travel Agency - Hong Kong Westminster Travel Limited 54 Best Travel Agency - India Thomas Cook (India) Ltd. NEW VS. 2018 55 Best Travel Agency - Indonesia Panorama Destination Indonesia 56 Best Travel Agency - Japan JTB Corp. 57 Best Travel Agency - Malaysia Mitra Tours & Travel 58 Best Travel Agency
Guidance - Travel Plan Contents 1. Executive Summary 2. Introduction of Travel Plan 3. Travel Plan Administration 4. Existing Travel Patterns 5. Proposed Travel Patterns 6. Measures 7. Targets 8. Monitoring and Review 9. Action Plan (example) Appendix - Travel Plan Appendices (examples) A Location of Site(s) B Site Plan C Travel Policy
ROSS User Guide Travel Plan ‐ creating and editing travel plans 2version 2.16.4 January 13, 2016. Creating a travel plan. This section explains how to create a travel plan and how to add travel plan legs to it. You do not need an incident to create a travel plan. Seeravel "T ‐ setting up resource travel."
Travel policy "Container" for the various travel rules and travel features that are used to enforce the company's T&E policies and guidelines Every Travel user is assigned to a travel class/policy. Class features Travel features General features associated with each class/policy,
required to undertake business travel within India. Type of Travel: Defining type of travel depending on the duration of travel Table1: Classification of Travel Travel Duration A. Tour 1-15 days B. Deputation 15 days to 1 Year C. Transfer 1 year A. Tour - Any official travel which is for a duration of 1 to 15 days
