What if a family member dies while I am on holiday?
Cover would be dependent on your family member's situation:
1) You would have cover up to the benefit limit for trip disruption and trip resumption if your close relative dies unexpectedly, provided:
a) You can reasonably demonstrate that their death is not related to a pre-existing medical condition, or
b) The reason for the death is due to a pre-existing medical condition that is on our list of covered pre-existing medical conditions.
2) The most that we will pay for trip disruption in total is 25% of your non-refundable claim expenses up to a maximum of $2,000, and up to $1,500 in trip resumption expenses if your close relative dies:
a) Due to a pre-existing medical condition that is NOT on our list of covered pre-existing medical conditions, or
b) You are unable to reasonably demonstrate that your close relative’s death is not related to a pre-existing medical condition.
3) There would be no cover If you were aware that your close relative has a pre-existing medical condition at the time of your policy purchase AND you were aware of the likelihood of their death.
There is no cover under any situation if your close relative is older than 84 years of age.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).