INSURANCE ESSENTIALS

Benefits of IEP’s insurance include:

• As an IEP member you’re eligible for exclusive discounts.
• 24 hour international assistance when required.
• Premium levels of cover on the important things.
• Cover while you're working AND travelling.
• Easily extendable for up to two years – simply email or call IEP.
• IEP can assist you with claims.
• Some pre-existing conditions are covered.
• The policy is actually issued by IEP, and is therefore supported by the expertise of specialist insurance-trained IEP staff.

What Is Covered - Quick Reference Guide

• Medical and hospital costs unlimited.
• Emergency dental treatment up to $2,000.
• Baggage if lost, damaged or stolen up to $7,500 after allowing for depreciation but maximum $750 per item.
  • Camera, video and laptop are automatically covered up to $3,000
  • You can buy extra cover for more expensive individual items (except jewellery) up to $5,000 in total
• Travel costs if you have to change your travel because you fall ill, or an immediate relative falls ill or dies, or you are delayed by weather or strikes
• Cancellation costs if you have to cancel because you or an immediate relative fall ill or die.
• Purchase of essential items if your luggage is delayed.
• Terrorism, except for cancellation fees, travel delays and alternative transport expenses.
• Lots of other things - check out the brochure!

What Is Not Covered

• Pre-existing illnesses (including asthma, epilepsy), unless you have declared them when you take out the policy – you may have to pay an extra premium.
• Everything when you are drunk or under the influence of illegal drugs.
• Everything that is a result of you breaking the law, including your visa requirements
• Medical treatment resulting from depression or mental illness.
• Baggage left unsupervised in any public place (like a plane or bus)
• Sporting equipment while in use.

Why You Have To Have It

• Things can go wrong when you’re travelling.
• Many costs, especially medical costs, are much higher overseas.
• Most Australian insurance – Medicare, private health insurance, household contents insurance, credit card insurance – will not apply overseas or will be inadequate.
• It’s a program requirement that you’re properly insured.

Insurance Tips

• Read the brochure from cover to cover and take it with you.
• Ask IEP before you leave if there’s anything you don’t understand.
• Carry your emergency assistance card with you at all times.
• Check that the dates on your policy certificate match your travel dates
• Leave a copy of your brochure, policy certificate and emergency card at home with Mum and Dad

Do I Have To Pay For Medical Treatment?

• The simplest is to pay yourself and claim on your insurance when you return home.
• If you can’t afford to pay and a hospital or doctor needs a guarantee of payment, you need to call Mondial Assistance before seeking treatment.
  • This is available 24 hours a day 7 days a week.