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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.
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