Overseas Travel Insurance for Staff
Insurer: Accident and Health International |
Policy details: AHI Corporate Travel Insurance Policy No 0021375 |
AHI Assist Service Telephone: +61 2 9202 8211
24 hours from anywhere in the world for emergency assistance
AHI Assistance Card |
The Deakin University Travel Insurance Policy provides insurance cover for staff members [including one non-dependent family member OR partner and dependant children, when travelling on an identical itinerary (accompanying traveller)] and consultants when undertaking
authorised University business travel..
HOW TO APPLY FOR TRAVEL INSURANCE:
Staff members do not need to make a specific application, however they
must capture their travel details on the Deakin University travel database and print a copy of the AHI Assistance Card. Staff members undertaking a trip in excess of 180 days must contact the Risk and Insurance Office prior to travel to enable appropriate declarations.
Where an overseas trip has been arranged and paid for by an external organisation, the travel must be recorded on the Deakin University travel database and the Risk and Insurance Office advised via email.
In these circumstances the staff member will not be covered under the Deakin Travel Insurance Policy until they receive a travel insurance confirmation email from the Risk and Insurance Office.
SUMMARY OF TRAVEL INSURANCE POLICY
The
Summary of Travel Insurance Policy document outlines the main policy provisions. For a full copy of the policy, or assistance, contact the Insurance Risk Officer.
HOW MUCH WILL IT COST?
As of November 1st 2008, the rates for University business overseas travel are:
- For first 180 days: No Charge
- For increments of 30 days thereafter: $100 per staff member (includes accompanying traveller)-charged to the staff member's budget centre
NON UNIVERSITY BUSINESS TRAVEL (LEISURE TRAVEL):
The Deakin Travel Insurance Policy provides insurance cover for leisure travel associated with authorised University business overseas travel.
The leisure travel component cannot be more than 50% of the entire trip duration, or a maximum of 20 days, whichever is the lesser.
For example:
| University business travel days |
Eligible leisure travel days |
Total number of leisure travel days |
Cost |
| 8 days |
4 days |
10 |
12 days of Deakin travel insurance [8 days + 4 days]
No cost
6 days leisure travel [10 days - 4 days]
Unable to purchase from Deakin - staff member to purchase from another insurer
|
8 months = 240 days
|
20 days
[50% of 240 days = 120 days,
the lesser of 120 days and 20 days] |
0 days |
180 days of Deakin travel insurance
No cost
2 months (60 days) at $95 per month
$190-charged to staff member's budget centre |
| 36 days |
18 days
[50% of 36 days = 18 days,
the lesser of 18 days and 20 days] |
14 days |
50 days of Deakin travel insurance
No cost |
If a staff member exceeds the allowable leisure travel component, the staff member will need to source and purchase additional travel insurance for their additional leisure travel.
PRE-EXISTING MEDICAL CONDITIONS:
The Deakin Travel Insurance Policy generally will provide cover for pre-existing medical conditions except in the following circumstances:
- Expenses incurred when travelling against medical advice, or travelling to seek medical attention or advice;
- Expenses incurred in relation to a terminal condition diagnosed prior to travel or when the person is unfit to travel;
- Expenses incurred for continuing treatment, including any medication commenced prior to travel.
If the staff member [or accompanying traveller] have a pre-existing medical condition, or are over the age of 75, an "Application for pre-existing medical conditions or mature travellers cover form" available from the Risk and Insurance Office must be completed. Failure to complete the form will result in the staff member [or accompanying traveller] being uninsured.
TRAVEL WITHIN AUSTRALIA
Insurance cover for travel within Australia is not provided by the Deakin Travel Insurance Policy. If domestic travel insurance is required, the staff member will need to source and have it paid by the relevant budget centre.
INSURANCE CLAIM PROCEDURE
Claims under all sections of the policy must be lodged ASAP with the University Insurance Risk Officer and within a period of 30 days from the day of occurrence. Claim forms are available at
www.deakin.edu.au/fbsd/forms/AHITravelInsuranceClaimForm.pdf. If you do not have internet access, contact the Insurance Risk Officer to obtain a claim form.
