tailieunhanh - Platinum Cards Insurance

Your employer may offer a group long-term care insurance plan or offer individual policies at a group discount. An increasing number of employers offer this benefit,16 especially since the passage of the Health Insurance Portability and Accountability Act (HIPAA). HIPAA allows employers the same type of federal tax benefit when they pay for their employees’ long- term care insurance as when they pay for their health insurance (except for Section 125 cafeteria plans). The employer-group plan may be similar to what you could buy in an individual policy. If you are an active employee, one advantage of an employer-group plan is you may not have to meet any. | Platinum Cards Insurance INSURANCE POLICY INFORMATION 13 OCTOBER 2012 ANZ FREQUENT FLYER PLATINUM ANZ REWARDS PLATINUM ANZ LOW RATE PLATINUM ANZ PLATINUM This booklet comprises of two parts. A Product Disclosure Statement and policy wordings for the insurance cover provided by QBE Insurance Australia Ltd and policy wordings for insurance cover provided by Zurich Australian Insurance Limited fr This booklet contains policies issued by two insurers and is made up of two independent parts. Each part must be read separately as the specific terms conditions limits and exclusions that apply to each of the policies issued by one insurer do not apply to the other. Part 1 - QBE product disclosure statement and policy wordings for Overseas travel and medical insurance Master Policy Transport accident cover Master Policy Rental excess cover Master Policy collectively the Master Policies If you make a claim under any of the Master Policies you must comply with QBE s claims procedures which are set out on page 60 of Part 1- QBE product disclosure statement and policy wordings. Part 2 - Zurich terms and conditions for the following insurances 90-day Purchase Security Insurance Extended Warranty Insurance Best Price Guarantee Scheme Interstate Flight Inconvenience Insurance If you make a claim under any of Zurich policies you must comply with Zurich s claims procedures which are set out on page 77 of Zurich s terms and conditions. Contents Important information about the covers provided by QBE 4 QBE Assist contact details 6 Complaints and Dispute resolution process 11 Schedule of benefits 12 Overseas travel and medical insurance terms and conditions 16 Activation of cover and eligibility criteria 16 General definitions 18 General exclusions 25 Overseas medical and dental expenses 27 Cancellation and additional expenses 31 Luggage and personal effects 35 Extra travel cover 39 Rental vehicle expenses 42 Accidental death permanent disability and loss of income 43 Personal .