What is covered under 'Overseas 24/7 Emergency Medical Assistance'?

This benefit provides you with medical support services arranged by our Emergency Assistance team and/or first approved by us if you experience a medical emergency while you are overseas, and is available under all of our overseas policies.

The Worldwide 24/7 Emergency Assistance team are available 24/7 and can assist you if you have a medical emergency overseas.

What we can assist with: 

If, while on a trip overseas, you injure yourself or become sick we will arrange for:

• Access to a medical practitioner for emergency medical treatment while overseas. 
• Any messages which need to be passed on to your family or employer in the case of an emergency. 
• The provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas. 
• The return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation. 
• If you die as a result of an injury or a sickness during your trip, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home in Australia. The maximum amount we will pay is $20,000 in total for each insured person named in the policy. 

What we cannot assist with:

• If you didn’t select ‘Adventure’, ‘Cruise’, ‘Motorcycle, moped or scooter’ or ‘Snow’ at the time you took out your policy or prior to your departure date, and pay the appropriate additional premium. 
• For medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by us. 
• If you decline to promptly follow our reasonable medical advice (and we also will not be responsible for subsequent medical, hospital or evacuation expenses). 
• For medical evacuation or the transportation of your remains from Australia to an overseas country. 
• For medical treatment or ambulance transportation which is provided in Australia. 
• For any claim under a Domestic Plus Policy.

Please also read the General exclusions that apply to all benefits in the PDS.

As each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).