REGISTER BEFORE YOU TRAVEL
POLICY DETAILS
OVERSEAS MEDICAL EMERGENCY

To be eligible for cover, you must be a financial member of your union (and remain financial for the duration of your trip) under 70 years of age and the duration of your trip is limited to the period of travel. (See Period of Cover below.)

Your spouse/partner and dependant children are also covered when they travel with you.

Travel insurance starts from the date you leave your usual home residence and ends on the 14th day of travel within Australia (provided your destination is more than 250km from your residence) and on the 28th day of overseas trips.

Extra travel insurance is available for you to buy at very competitive rates. Or, you can seek additional cover with another travel insurance provider. But if you decide to extend your stay while you're away, you need to buy extra travel insurance to keep you covered.

QBE Assist, a fully owned division of QBE Insurance (Australia) Limited (our insurer), is responsible for coordinating any medical evacuation and repatriation services required. The team, made up of highly trained medical and insurance specialists, is ready to respond, 24 hours a day, 365 days a year, in the event of an emergency situation.

You are not covered for claims caused by, or directly the result of, medical conditions for which you have received or been prescribed treatment, medication, preventive medication, a prescription or an investigation within 30 days of booking your journey. This also applies for claims made due to the illness of non-travelling relatives and business partners.

However, there are a limited number of conditions that, if stable and well controlled, will not be treated as an existing medical condition. For the full list of conditions, see the Policy Schedule or download a copy.

Other terms, conditions and exclusions apply – read the policy wording for full details.

You can also visit your union office or call Windsor Management Insurance Brokers on (03) 9663 2411 to register.

By registering your details before you travel, we can help you right away in an emergency situation. If you don't sign up before you leave, we won't be able to help you until we can confirm you're a financial member of the union.

POLICY SECTION	WHAT ARE YOU COVERED FOR?	WHAT WE WILL PAY?
A. Capital Benefits	Injury occurring from one of the conditions listed in the Capital Benefits - Compensation Table, during your journey.	Lump sum benefit up to: Member $50,000 Spouse $25,000 Child/Children $ 5,000
B. Weekly Benefits	Injury leading to disablement and preventing your return to your usual occupation, business or profession.	Weekly benefit: Member/Adult $500 per week Period of cover: No cover for first 30 days Cover limited to 6 months
C. Overseas Medical & Additional Expenses	Medical (including hospitalisation) and additional expenses incurred overseas as a result of an illness or injury. Emergency dental and optical treatment, resulting from an injury or illness.	Unlimited. Up to a maximum of $5,000, for any one injury or illness.
D. Emergency Travel Assistance	Injury or illness suffered while travelling overseas or arranging repatriation to Australia from abroad.	Unlimited.
E. Baggage and Personal Effects	Accidental loss, theft or damage to your baggage and personal effects, including items bought during your journey. Theft or damage of baggage from a locked motor vehicle during daylight hours or locked storage facility, where there is evidence of forced entry. Emergency baggage, where your baggage is delayed, misdirected or misplaced by any carrier from more than 8 hours. [this point needs to line up with emergency baggage $500 (nil excess) in next column)]	We will either: Repair or replace the items to a condition no better than their condition at time of loss OR Pay the value of any item in cash, taking into account an allowance for age, wear and tear. Applicable Limits: Total baggage         $15,000 (per adult) Individual item limit   $1000 Other Limits: Personal computers    $6,000 Cameras & video        $4,000 Dentures & dental prosthesis   $ 800 Emergency baggage           $ 500 (nil excess)
F. Personal Money, Travellers' Cheques and Credit Cards	Loss or theft of money carried on your person during your journey. Damaged, lost or stolen credit cards, travellers' cheques or travel documents.	Money                $500 Replacement of documents: (including fraudulent use of credit cards)           $5,000
G. Personal Liability	Damages occurring during your journey for one of the payable events as set out in the Compensation Table – Personal Liability.	Up to a maximum of $2,500,000
H. Loss of Deposits and Additional Expenses	Reimbursement of non-refundable expenses incurred for cancellation, delay and interruption of your journey as result of the payable events defined in the Compensation Table – Loss of Deposits, Cancellation/Interruption Expenses.	Unlimited.
I. Refund of Excess (following collision damage or theft)	Reimbursement of any hire car excess paid, in the event a rented motor vehicle is damaged, stolen or involved in a collision.	Up to a maximum $4,000

We will not pay the first $250 for each and every claimable event, except where otherwise specified.

USEFUL LINKS & DOWNLOADS
DOWNLOADS	Leisure Time Travel Insurance PDS/Policy Wording Acceptable Existing Medical Conditions Claim Form Holiday Travel Insurance brochure
USEFUL TRAVEL LINKS	Department of Foreign Affairs and Trade Smart Traveller The Travel Doctor World Health Organisation

This Travel Insurance Policy may not meet your needs you should obtain your own financial product advice and consider the Product Disclosure Statement and Policy Schedule for full details available by contacting Windsor Management Insurance Brokers on (03) 9663 2411 or download a copy. B.E.R.T. (Building Employees Redundancy Trust) is the Insured.

QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 is the underwriter and the product is arranged by Windsor Management Insurance Brokers Pty Ltd ABN 93 707 887 544 AFSL 230747.

Contact information

Overseas Medical Emergency Assistance 24/7
QBE Assist
Contact the international operator and ask for a "reverse charge" or "collect call" to +61 3 8523 2523.
Calls from mobile phones will be at your cost.

QBE Assist is also available by:
Fax:          +61 3 8523 2530
Email:         qbeassist@qbe.com

Contact QBE Assist for 24/7 worldwide medical and emergency assistance only (overseas travellers). For all other claims, please download a claim form and send it to Windsor Management Insurance Brokers. Please remember to gather all relevant documentation (from the country where the incident occurred) to assist the claims process.

Registration, Claims and Policy Enquiries:
Windsor Management Insurance Brokers (business hours only)

Tel: (03) 9663 2411
Fax: (03) 9663 4288
Email: qldtravel@wmib.com.au
Web: www.wmib.com.au
Level 1, 151 Rathdowne Street
Carlton Vic 3053