Benefit 1: Overseas 24/7 Emergency Medical Assistance

This benefit provides You with medical support services arranged by Our Emergency Assistance team and/or first approved by Us if You experience a medical emergency while You are Overseas in the circumstances as explained below.

If, while on a Trip Overseas, You Injure Yourself or become Sick, We will arrange for:

Access to a Medical practitioner for emergency medical treatment while Overseas.
Any messages which need to be passed on to Your Family or employer in the case of an emergency.
The provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while Overseas.
The return to Australia of Your Dependants if they are left without supervision following Your hospitalisation or evacuation.
Payment for the reasonable cost of either a funeral or cremation Overseas and/or of bringing Your remains back to Australia, if You die as a result of an Injury or a Sickness during Your Trip Overseas. The maximum amount We will pay is $20,000 in total for each insured person named in the Policy. However, if You have an approved and valid Schengen visa for Your Trip, the limit for repatriation of Your mortal remains from a Schengen listed country or state back to Australia is $60,000.

For any claims Arising from activities listed under Adventure Activities (if You did not select "Adventure Pack"), unless the additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium.
For any claims Arising while being the rider or passenger on a motorcycle, moped or scooter (if You did not select "Motorcycle Pack"), unless the additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium.
For any claims Arising from activities listed under Snow sports (if You do not hold a "Snow Sports Plus" Policy), unless the relevant additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium.
For medical evacuation, funeral services or cremation or bringing Your remains back to Australia unless it has been first approved by Us.
If You decline to promptly follow Our reasonable advice based on the information that is available to Us at the time the advice is provided (and We also will not be responsible for subsequent medical, Hospital or evacuation expenses).
For medical evacuation or the transportation of Your remains from Australia to an Overseas country.
For medical treatment or ambulance transportation which is provided in Australia.
For any dental expenses, unless Arising from an Injury.
For any dental expenses Arising from biting, chewing or eating.
Any costs (such as treatment or surgery) which is not immediately medically necessary and can wait until You return Home (such as routine medical, dental or prenatal visits).
For any claim under a Domestic Plus Policy.

Please also read General Exclusions that apply to all benefits.