Corporate Travel Insurance

Policy Outline - Corporate Travel

Insured persons

Council Members and Employees of the Insured (including spouses, de-factos, partners and/or their dependent children), and any other person whilst on authorised travel or travel incidental to the business up to a maximum period of 180 days.

AHI Insurance Policy Number # 0023590

Definitions

Authorised Business Travel - travel undertaken on the business of the University, authorised and paid for by the University. It does not include normal daily travel between home and place of business unless it involves travel to and from Tasmania.

Conditions

Covering all persons 24 hours whilst on business travel for death and capital benefits as a result of an accident subject to a maximum period of 180 days.
Claims in respect to personal belongings exclude loss or damage arising from the owner's negligence.

Exclusions

War
Intentional use of Military Force
Terrorist Act
Financial Default
Nuclear, Biological and Chemical

Coverage

Section	The Schedule of Compensation Applicable Under Each Section of the Policy for each Insured Person during each period of Travel	The Compensation Each Insured Person
1	Personal Accident and Sickness Part A Lump Sum Insured Part B Weekly Benefits (Injury) Part C Weekly Benefits (Sickness) Excess Period Weekly Benefit Period	$250,000 $2,000 NIL 7 days 156 weeks
2	Kidnap and Extortion	$250,000
3	Hijack and Detention Daily Benefit Maximum any Hijack Legal Costs Detention Period	$1,000 $30,000 $20,000 30 days
4	Medical Additional Expenses and Cancellation Curtailment Expenses Medical and other expenses any one insured person Excess Cancellation/Curtailment Expenses any one insured person	Unlimited $250 $50,000
5	Rescue	Cover in accordance with the policy
6	Loss of Deposits	$20,000
7	Baggage / Business Property / Money / Travel Documents Baggage and Business Property Limit any one item Excess University Business Equipment Money / Travel Documents Excess Deprivation of Baggage	$20,000 $5,000 $250 $10,000 $5,000 $250 $1,000
8	Alternative Employee / Resumption of Assignment Expenses	$10,000
9	Personal Liability	$10,000,000
10	Collision Damage and Theft Waiver	$2,000
11	Extra Territorial Workers Compensation Weekly Benefit Total Limit of Liability Aggregate any one Policy Period	$1,000 $1,000,000 $2,000,000
12	Missed Transport Connection	$5,000
13	Political Evacuation	$20,000

Excesses

$250 in respect of Medical, Business Equipment and Luggage (Section 4 & 7)

Important Additional Items

Airline Travel

Laptops/Notebooks and other breakables should be carried on board as cabin baggage.

Methods of Travel

Where travel is undertaken in transportation other than those recognised as normal business transport - i.e. schedule aircraft, train, company sedan or schedule bus.

Non recognised transport would include:
- Sea travel to Antarctica on ships such as Aurora Australis, Polar Bird and Kapitan Khelbnikov
- Travel in Antarctica and the Arctic Circle using overland vehicles, hag lands and skidoos
- Helicopters, light planes and Hercules Transport for travel to Antarctica, Sub-Antarctic and the Arctic Circle.
- Small chartered aeroplanes are chartered, including travel from Hobart to Wynyard or Devonport, and return, for Council meetings
- Field trips in foreign countries involving various methods of transport, local boats, cars, etc.

ALL SUCH TRIPS MUST BE RECORDED BY THE BUDGET CENTRE. IF THE PERIOD EXTENDS BEYOND 180 DAYS THE TRIP MUST BE APPROVED BY THE INSURER PRIOR TO COMMENCEMENT.

Pre-existing Medical Conditions

Pre-existing conditions must be disclosed to the insurance office prior to travel (ext. 3514). Depending on the nature of the condition the Insurer may require a medical clearance to travel. The cost of the doctor’s visit will be at the employee’s expense.

Travel Against Medical Advice

The insurer will not be liable for any expenses incurred where a Journey is undertaken against the advice of a qualified medical practitioner or when the individual is unfit to travel or if the purpose of the Journey is to seek medical attention.

Travel Emergency Card

Emergency contact details are available on the Travel Emergency Card that is on the forms menu. These contact details should be used for medical conditions / emergencies and medical evacuation while travelling overseas.

Travel Greater Than 180 Days

If an employee is travelling for a period longer than 180 days then the Budget Centre will be required to take out separate travel insurance for the whole period. This includes employees going on Study Leave. A request for additional travel insurance can be made on the following form.

Policy Outline - Personal Accident

Insured persons	(i) On the lives of members of the University Council and other official committees of the Insured (excluding those members who are salaried employees of the University) whilst engaged in activities, including travel, in connection with attendance at a University meeting or on the business of the University including travelling to and/or from such meetings or business (ii) On the lives of voluntary workers including honorary research associates, clinical teachers, CRC Research Fellows, Consultants, Visiting scholars, Guest Lecturers, Examiners, Artists in Residence, Panel Advisors, Reviewers and the like whilst engaged in activities on behalf of the Insured including travelling to and from such business.
Definitions	-
Conditions	-
Coverage	(i) Capital Sum Insured (events 1 - 18) $200,000 Weekly Sum Insured (events 19 - 20) $2,000 (ii) Capital Sum Insured (events 1 - 18) $100,000 Weekly Sum Insured (events 19 - 20) $1,000
Limit of Liability	Weekly benefits are payable for a maximum of 156 weeks.
Excesses	Nil.