Travel cover options - Gold cover
Minimum cover required for journeys to Central and South America, Africa, Antarctica, Japan, Middle East, UK and Europe.
| What's covered | Single | Couple or Family |
|---|---|---|
| Section 1: Overseas emergency medical assistance, including evacuation & repatriation |
Unlimited | Unlimited |
| Limit $20,000 for repatriation of remains or overseas funeral or overseas cremation | ||
| Section 2: Overseas emergency medical and hospital expenses |
Unlimited | Unlimited |
| Limit $2,000 for dental. Limit for cash in hospital is $6,000 Single or $12,000 Couple or Family. |
||
| Section 3: Personal belongings |
$10,000 | $20,000 |
| Limit $3,000 per item or set or pair for photographic or electronic equipment. Limit $800 on other items. Limit on essential emergency items is $400 Single or $800 Couple or Family. |
||
| Section 4: Cancellation, curtailment and additional expenses |
Whatever it costs | Whatever it costs |
| Limit $2,000 for motor vehicle insurance excess.Limit $500 for return of hire vehicle. Limit on resumption of journey is $3,000 Single or $6,000 Couple or Family. Limit $500 for domestic pet boarding fees. Limit on hijack is $5,000 Single or $10,000 Couple or Family. |
||
| Section 5: Accidental death |
$25,000 | $50,000 |
| Section 6: Personal liability |
$2,500,000 | $2,500,000 |
If you need to make a claim, there may be an excess payable by you. There is a $100 excess payable on claims for overseas medical and hospital costs; loss,theft or damage of personal belongings;and cancellation, curtailment or additional expenses. If claims are payable under different sections of this policy for the same event, only one excess payment applies. The excess does not apply if you have paid the additional $25 excess buy-out option or if you are entitled to the No claim bonus.
Certain limits and exclusions apply to certain claims. The maximum payment for the total of all claims under any Section of the policy, is the sum insured for that Section.
No claim bonus
If you are an MBF Health member and did not make a claim on your last overseas trip with MBF Travel Insurance, the $100 excess will be waived on the first claim against your current policy.
For full details about Gold cover, please read the Combined Financial Services Guide, Product Disclosure Statement and Policy Terms & Conditions [PDF, 1.01M].
