Changes to your NAB Complimentary Card Insurance Policy

The Insurer is: 

Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 of 2 Market Street, Sydney NSW 2000. 

The Insurer is: 

Allianz Australia Insurance Limited 

ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington St, Sydney, NSW 2000 , telephone 13 10 00. 

N/A

Epidemics and Pandemics (such as COVID-19) 

If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover may be available to you under the following sections: 

1.1 Overseas Emergency Assistance 

1.2 Overseas Emergency Medical 

2.1 Cancellation 

3.1 Additional Expenses  

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections:

2.1 Cancellation 

3.1 Additional Expenses 

Please note: Terms, conditions, limits and exclusions apply. Please refer to the Card Insurance Policy Booklet including Part D of that policy - General Exclusions and the exclusions set out in each of the above sections. 

For example, you will not be covered if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic while travelling against an advice or warning issued by the Australian Government and you did not take reasonable care to avoid contracting the sickness (for example by delaying travel to the country or part of the country referred to in the warning), refer to General Exclusions 14 and 15 in Part D  for more information. Please note, this also applies even if the Australian Government has given you permission to travel or you fall under a specific exemption where there is otherwise a travel ban in place that prohibits you from travelling. 

Exclusion

Any epidemic or pandemic, unless your claim relates to you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic and cover is expressly included in the following sections: 

1.1 Overseas Emergency Assistance 

1.2 Overseas Emergency Medical 

2.1 Cancellation 

3.1 Additional Expenses;  

For all other sections and any other claim arising from, or related to, epidemics or pandemic, there is no cover. 

 

 

Any epidemic or pandemic

 

 

Your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of: 

by the Australian Government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au, opens in new window; or 

which was published in a reliable mass media source. 

Allianz subscribes to and is bound by the General Insurance Code of Practice. Allianz and Allianz Global Assistance proudly support the General Insurance Code of Practice. The Code sets out the minimum standards of practice in the general insurance industry. You can obtain more information on the Code and how it assists you by contacting Allianz Global Assistance using the contact details on the inside front cover of this booklet, or by visiting www.codeofpractice.com.au

The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code.

You can obtain more information on the Code of Practice and how it assists you by contacting us. Contact details are provided on the inside front cover of this booklet. For more information on the Code Governance Committee (CGC) go to www.insurancecode.org.au, opens in new window.

 

If you have a complaint or dispute in relation to this insurance, or our services or our representatives, please call us using the contact details on the inside front cover of this booklet, or put the complaint in writing and send it to: 

Post: Dispute Resolution Department, Locked Bag 3014, Toowong DC, QLD 4066. Phone: 1800 187 025 (Office Hours Monday to Friday, 9:00am to 5:00pm (AEST/AEDT) except public holidays. Calls from mobiles, public telephones or hotel rooms may attract additional charges.) Email: cardclaimcomplaints@allianz-assistance.com.au

We will attempt to resolve the matter in accordance with our Internal Dispute Resolution process. To obtain a copy of our procedures, please contact us. We are a member of an external dispute resolution scheme which is independent and free to you. We are bound by determinations made by it in accordance with its relevant terms and rules applicable to us. Any complaint or dispute can be lodged with the Australian Financial Complaints Authority: 

Online: www.afca.org.au, opens in new window Email: info@afca.org.au

Phone: 1800 931 678 Mail: Australian Financial Complaints Authority GPO Box 3, Melbourne Victoria 3001

If you are dissatisfied with our service in any way, please contact us and we will attempt to resolve the matter in accordance with our internal dispute resolution procedures. 

If we do not make a decision within the period that we tell you we will respond, we will tell you about your right to lodge a complaint with an external dispute resolution scheme. 

If you are not happy with our response, you can refer your complaint to AFCA subject to its terms of reference. AFCA provides a free and independent dispute resolution service 

for consumers who have general insurance disputes falling within its terms. AFCA’s contact details are: 

The Australian Financial Complaints Authority

Online: www.afca.org.au Phone: 1800 931 678 Email: info@afca.org.au Mail: GPO Box 3 Melbourne VIC 3001 

For more information on how we handle complaints you can request a copy of our procedures, using our contact details on the inside front cover. 

The Insurer is: 

Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 of 2 Market Street, Sydney NSW 2000. 

The Insurer is: 

Allianz Australia Insurance Limited 

ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington St, Sydney, NSW 2000,   telephone 13 10 00

Allianz subscribes to and is bound by the General Insurance Code of Practice. Allianz and Allianz Global Assistance proudly support the General Insurance Code of Practice. The Code sets out the minimum standards of practice in the general insurance industry. You can obtain more information on the Code and how it assists you by contacting Allianz Global Assistance using the contact details on the inside front cover of this booklet, or by visiting www.codeofpractice.com.au, opens in new window

The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code.

You can obtain more information on the Code of Practice and how it assists you by contacting us. Contact details are provided on the inside front cover of this booklet. For more information on the Code Governance Committee (CGC) go to www.insurancecode.org.au, opens in new window.

If you have a complaint or dispute in relation to this insurance, or our services or our representatives, please call us using the contact details on the inside front cover of this booklet, or put the complaint in writing and send it to: 

Post: Dispute Resolution Department, Locked Bag 3014, Toowong DC, QLD 4066. Phone: 1800 187 025 (Office Hours Monday to Friday, 9am to 5pm except public holidays. Calls from mobiles, public telephones or hotel rooms may attract additional charges.) Email: cardclaimcomplaints@allianz-assistance.com.au 

We will attempt to resolve the matter in accordance with our Internal Dispute Resolution process. To obtain a copy of our procedures, please contact us. We are a member of an external dispute resolution scheme which is independent and free to you. We are bound by determinations made by it in accordance with its relevant terms and rules applicable to us. Any complaint or dispute can be lodged with the Australian Financial Complaints Authority: 

Online: www.afca.org.au, opens in new window Email: info@afca.org.au 

Phone: 1800 931 678 Mail: Australian Financial Complaints Authority GPO Box 3, Melbourne Victoria 3001

If you are dissatisfied with our service in any way, please contact us and we will attempt to resolve the matter in accordance with our internal dispute resolution procedures. 

If we do not make a decision within the period that we tell you we will respond, we will tell you about your right to lodge a complaint with an external dispute resolution scheme. 

If you are not happy with our response, you can refer your complaint to AFCA subject to its terms of reference. AFCA provides a free and independent dispute resolution service 

for consumers who have general insurance disputes falling within its terms. AFCA’s contact details are: 

The Australian Financial Complaints Authority

Online: www.afca.org.au, opens in new window Phone: 1800 931 678 Email: info@afca.org.au Mail: GPO Box 3 Melbourne VIC 3001 

For more information on how we handle complaints you can request a copy of our procedures, using our contact details on the inside front cover.