International Travel information Session Comcover Shea J Moran Senior Account Manager Comcover Member Services

2 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

3 Current Policy Covers  General Liability and Professional Indemnity  Directors and Officers Liability  Property including Property in Transit and Fraud  Business Interruption  Motor Vehicle  Personal Accident  Travel Outside Country  Expatriate  Personal Effects and Travel Inside Country

4 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.

5 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

6 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

7 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.

8 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

9 Schedule of Expatriates

10 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

11 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

12 Any Questions?