Staff travel insurance

Cover is provided for staff undertaking approved* travel on behalf of Flinders University subject to the following conditions:

• Your overall travel period is a maximum of 365 days, and
• The percentage of Incidental Private Travel** does not exceed 50% of the work period, and
• The journey involves a destination 50 kilometres or more away and commences from, and concludes at, your normal workplace or residence (whichever is left last).

If you do not meet these conditions cover may not apply to all or part of your trip.

It is your responsibility to ensure that you are fully covered for the whole period you will be away.

* Cover for international travel is provided once your request has been approved in Nutrip (regardless of funding source). See the staff travel webpages for more details.

** Please refer to the Combining Business and Private Travel Procedures for additional considerations with regards to Fringe Benefits Tax limitations on Incidental Private Travel.

The University’s travel insurance policy contains exclusions relating to known or suspected pre-existing medical conditions.

Examples of specific exclusions include where the traveller:

• is travelling against the advice of a doctor or dentist;
• is unfit to travel;
• is seeking medical attention for a pre-existing condition;
• has been diagnosed with a terminal condition prior to travel;
• obtains routine medical, optical or dental treatment or consultation.

Note - Any medication or ongoing treatment for your pre-existing condition(s) is not covered.

We recommend that you obtain current written clearances to travel from your treating Doctor(s) and keep the letter(s) with you in case of a claim. It is your responsibility to ensure that you have the appropriate level of cover.
 

Personal effects including laptops and electronic equipment, travel documents, money, credit cards and jewellery (if not worn) should be carried on board in your hand-luggage and securely stored at all other times. There is a maximum limit of $20,000 for baggage and business property, with a $6,000 maximum per item/pair or set. A $100 excess applies to baggage claims, except in the case of electronic equipment, which carries a $250 excess and a $15,000 limit.

For more details, consult the Schedule of Benefits.

You are responsible for ensuring that the vehicle you are hiring is covered by an insurance policy that covers third party liability damages / injuries. Any driver must take reasonable care and have an appropriate driver’s licence, as per the University’s Driver and Vehicle Safety Procedures.

Rental car companies may hire vehicles at an increased excess and offer to lower that excess on payment of a fee. This may not be necessary as the University’s travel insurance will cover the rental vehicle excess up to $5,000 subject to policy terms, conditions and excesses. If in doubt, contact Risk and Assurance Services.

For more details, consult the Schedule of Benefits.

Staff can apply for private travel insurance from the University's insurer, which can be requested online.

The Leisure Travel insurance policy is issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687) ("Chubb"). Flinders University does not receive a benefit for any policy issued by Chubb as a result of this referral. Flinders University does not provide any financial product advice, and this referral does not constitute a recommendation or endorsement of the insurance policy by Flinders University. Before making a decision please consider the Product Disclosure Statement available from Chubb. Leisure Travel insurance policies issued through this referral to staff and alumni of Flinders University are eligible for a 10% discount on Chubb's standard net premium.

If you require emergency assistance anywhere in the world, you can call the local telephone operator 24 hours a day, 7 days a week and ask for a reverse charge call to Chubb Assistance on +61 2 8907 5995. Quote the Policy Number 03PP006831.

If emergency assistance is required, then Chubb Assistance should be contacted before any action is taken and cost incurred whenever possible to do so.

The Department of Foreign Affairs and Trade (DFAT) provides information about all travel destinations on their Smartraveller website, where you can also register your trip and subscribe to travel advice. We would encourage you to use this facility.

Our insurer Chubb has partnered with Crisis24 to provide a range of up to date travel safety and security information in your area. To access the Chubb Assistance services provided by Crisis24, register with your policy number 03PP006831.

Helpful additional information for before, during and after your travel is available from Chubb Assistance.

Claims against the University’s travel insurance can be made directly via Chubb online or via a claim form (the process is further outlined in this infographic ). The Policy Number is 03PP006831.

• Schedule of Benefits