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Travel

Frequently Asked QuestionsInsurance Provider: Accident & Health

New Travel booked on or after 13 March 2020 (COVID-19 Exclusion)

The Insurer now consider that the possibility of disruption/delay/cancellation of any travel arrangements is no longer “unforeseen” or “unforeseeable”. Accordingly, there is no cover for any claim brought pursuant to “unforeseen” or “unforeseeable” circumstances where the loss  is directly or indirectly caused by COVID-19. It is recommended before cancelling any trip where loss of deposits may be incurred or forfeit of travel expenses, that you contact LCA Insurance for advice as regards response of insurance. There is also no cover for medical expenses related to COVID-19 or any expenses related to imposed quarantine periods. Furthermore, if you are considering oversees or interstate travel where an exemption to travel has been granted where there are normal border closures in place, please also contact LCA Insurance in the event cover is required.

Travel insurance is simply a must - no matter where in the world you are heading. This policy covers the lives and property of all employees, volunteers, students of Lutheran schools on excursions, members of committees, councils and boards and their accompanying spouse and dependent children whilst travelling on LCA business anywhere in the world. The "private travel" component of a business trip is also covered by this policy.

In order to qualify for coverage, an insured person must travel a minimum of 50 km from their home or usual place of work. The maximum duration of any one trip is 180 days, including incidental private travel.

Emergency Medical & Travel Assistance is available anywhere in the world through our insurance provider, Accident & Health. Contact the local operator and ask for a reverse charge call to AHI Assist 24/7 on: +61 2 8330 1222 or email help@ahiassist.com.au

Download the AHI Assist App so that you have all the details you need before travelling and while you are away.

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What are the benefits?

 
  $
Aggregate limit (maximum any one claim or event) 10,000,000
Injury invloving non scheduled/charter flight 250,000
Death and Capital benefits - Lump sum insured (students - $20,000) 250,000
Weekly injury benefits (accident & sickness)-max 156 weeks- up to 85% prior avg weekly earnings 1,500
Alternative employee/Resumption of assignment benefits 20,000
Cancellation and curtailment expenses 50,000
Medical & additional expenses (includes dental) outside Australia Unlimited
Continuous bed confinement (max 100 days) per day - 100
Reasonable Funeral expenses (outside Australia) 25,000
Loss of deposits 50,000
Baggage/Business property limit any one item $5,000 (excess $50) 10,000
Deprivation of baggage 3,000
Laptop computer cover and electronic equipment - hand luggage only (excess $250) 6,000
Money, including traveller's cheques and travel documents 5,000
Replacement of keys, locks 2,000
Identity Theft 20,000
Personal Liability 10,000,000
Kidnap, ransom and extortion 250,000
Hijack & Detention - daily benefit with a maximum of 30 days (maximum $30,000) per day - 1,000
Hijack & Detention - legal costs 20,000
Political & Natural disaster evacuation included $25,000 per person - aggregate 500,000
Search & rescue expenses ($25,000 per person) - aggregate 250,000
Trauma counselling benefit (maximum of $500 per visit) 5,000
Rental vehicle - excess waiver 6,000
Missed transport connection 10,000
Overbooked flight 2,500
Fractured bones maximum benefit payable* 5,000
Sickness/injury resulting in surgery (applicable to injury only outside of Australia)* 20,000

*These are a lump sum payment in addition to any medical expenses incurred. Certain surgery procedures or fractures only receive a percentage of the total benefit.

 

What is the age limit for cover?

Up to age 85, however there are certain restrictions on some benefits for persons aged 75 or over..

Need to make a claim?

Should circumstances arise which may result in a claim, you must immediately notify LCA Insurance. The appropriate claim form is to be completed and forwarded to us, together with documentation to support the claim.

Employee Journey Accident Cover

Accidents happen anytime, anywhere - so we also include a personal accident policy to cover employees travelling directly to and from their home to work and return. The policy also includes cover for activities undertaken during lunchtimes and meal breaks.

Cover is only available to employees in those states where the Workers Compensation cover does not cover such journeys, i.e. South Australia, Northern Territory, Victoria, Tasmania and Western Australia.

What are the benefits?

Death and Capital Benefits - $100,000
Weekly injury Benefit - $2,000 per week - maximum 85% prior avg weekly earnings payable
Benefit Period - 104 weeks
Age Limit - Up to age 85, however there are certain restrictions on some benefits for persons aged 75 or over.

What is the excess?

Nil.

Need to make a claim?

Should circumstances arise which may result in a claim, you must immediately notify LCA Insurance. The appropriate claim form is to be completed and forwarded to us, together with documentation to support the claim.

Please note that this website only provides a summary of coverage. More detailed information is available by contacting LCA Insurance directly. The insurers policy wordings will take precedence over information contained in this website.