International Travel information Session

Comcover

Shea J MoranSenior Account ManagerComcover Member Services

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Overview of Comcover

More than 180 Australian Government departments and agencies, both CAC and FMA.

Self managed fund administered by the Commonwealth

Key objectives are to provide a comprehensive insurance program and promote good risk management practices

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Current Policy Covers

General Liability and Professional IndemnityDirectors and Officers LiabilityProperty including Property in Transit and Fraud

Business InterruptionMotor VehiclePersonal AccidentTravel Outside CountryExpatriatePersonal Effects and Travel Inside Country

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Travel Outside Country

Comcover Policy Definition of ‘Traveller’

A person approved by you, including any approved accompanying persons, on travel approved by you (in accordance with your travel policies) outside his or her home country, or his or her country of assignment (including travel to outlying Australian territories and islands) for up to one hundred and eighty (180) consecutive days.

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Travel Outside Country – what’s covered.

Baggage and Personal Effects standard $10,000

Money up to $5,000

Rental vehicle excess up to $5,000

Baggage delay

Alternative public transport cover up to $10,000

Replacement employee expenses

Other non-recoverable travel, accommodation expenses

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Travel Outside Country – what’s covered.

Overseas medical expenses up to $10,000,000

Benefits as per the SRC Act up to 104 weeks

Emergency medical and non-medical evacuation

24 hour medical advice, information and assistance service

Sending of essential medication and/or medical practitioner

Repatriation of mortal remains

Medical monitoring

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Travel Outside Country – what’s not covered.

Self inflicted injury, suicide or any attempts thereat

Professional sports

Medical expenses in Australia

Pre-existing conditions apparent 30 days prior to travel

Any non clear legal link between your powers and functions and the activity of the traveller

Any claims covered by any workers compensation or other legislation.

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Expatriate

Comcover Policy Definition of ‘Expatriate’

a person outside his or her home country and who has been noted on Comcover’s Schedule of Expatriates

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Schedule of Expatriates

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Expatriate – what’s covered.

All reasonable and necessary medical expenses incurred outside Australia up to $10,000,000

Emergency medical evacuation

24 hour medical advice, information and assistance service

Emergency evacuation for natural disasters

Funeral or cremation expenses or repatriation of mortal

remains

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Expatriate - what’s not covered.

Self inflicted injury, suicide or any attempts thereat

Professional sports

Medical expenses in Australia

Any elective and/or cosmetic procedure, treatment or surgery

Any loss or claim if the expatriate has not undergone a pre-deployment medical and dental examination

Any loss or claim if the expatriate was declared medically and dentally unfit to be deployed to the country of posting

Any pre-existing conditions

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Any Questions?