What is 'Loss of income' cover?

This benefit is a weekly payment up to $400 per week that you receive for up to 26 weeks after you return from your overseas trip, if you are unable to return to your usual occupation in Australia, because you are disabled due to an injury that you sustain on your overseas trip.

You must:

• Obtain a medical report from your medical practitioner overseas regarding the nature of your injury and confirming your disablement. 
• Obtain a medical report from your medical practitioner in Australia once you return home outlining the treatment plan for your return to your usual occupation in Australia, the expected return to work date or length of expected disablement. 
• Provide us with satisfactory evidence of your employment in Australia and your scheduled return to work date after your trip, confirming that you had work to return to in Australia. 
• Provide us with satisfactory evidence of your lost income by providing us with your recent payslips. 
• We will only pay if you cannot perform your normal or suitable alternative work and you lose all your income. 
• This benefit does not provide cover for claims that arise from COVID-19.
• This benefit is available with select policies only and cover is limited to $10,400.

We will not pay:

• For the first 30 days of Your disablement from the time You return to Your Home.
• For the loss of income of Dependants.
• For loss of income for any job which you held while overseas.
• For any claims related to any sickness you develop from your trip and/or medical conditions listed on your certificate of insurance.

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).