Insurance for CFMEU (NSW) Members

CFMEU Member Travel Insurance
Novel Coronavirus (COVID-19) UPDATE

Updated 24th January 2022

Coronavirus (COVID-19) was declared a pandemic by the World Health Organisation on the 11th of March, 2020.¹.

As governments across the globe work to stop the spread of the virus, many travelers are being impacted by restrictions, closures, delays and event cancellations. Others intending to travel are making the choice to cancel plans, fearing an increased risk of exposure.

In light of these circumstances, we understand many CFMEU members will have questions about their Member Travel Insurance coverage.

At this stage, we would like to inform you that as at 1 January 2022, AHI have now included COVID-19 coverage.

What type of travel will be covered?

As international and domestic travel slowly gets underway again, insurers have agreed to open up the coverage scope to move with the current travel trends.

To find out more about the coverage, you can view AHI's COVID-19 Travel endorsement here.

How AHI Corporate Travel Insurance COVID cover applies in commonly expected scenarios

Cover Scenario	Pre-departure	During your journey	Not Covered
I'm the insured person and I'm a close/casual contact, I'm cancelling my trip because advice is not to travel	Loss of deposits (new) Non-refundable flight and accommodation expenses (new)	Loss of deposits (new) Additional and/or forfeited expenses (new) Medical expenses (existing)	Government/health advice is to monitor for symptoms and get tested only if you experience symptoms Hotel quarantine is not covered during your trip or on your return
I'm the insured person and I have Covid-19 diagnosis, I need to cancel all or part of my trip	Loss of deposits (new) Non-refundable flight and accommodation expenses (new)	Loss of deposits (new) Additional and/or forfeited expenses (new) Medial Expenses (existing) Emergency Evacuation (existing) Repatriation of mortal remains (new)	Hotel Quarantine is not covered during your trip or on your return
I'm the insured person and a close family member (in my country of residence) has Covid-19 and is in a life-threating condition	Loss of deposits (new) Non-refundable flight and accommodation expenses (new)	Loss of deposits (new) Additional and/or forfeited expenses (new)
I have to cancel my trip as borders have closed to my travel destination	X	X	Always follow Government travel advice, if you travel against recommendations, this is deemed a business risk and will not be covered.
Im the insured person and I have suffered total or partial disablement, or partial temporary disablement as a result of my Covid-19 diagnosis	X	Loss of deposits (new) Additional and/or forfeited expenses (new) Medical expenses (existing) Emergency evacuation (existing) Weekly Sickness Benefits (existing)
The insured person passes away as a result of Covid-19	Loss of deposits (new) Non-refundable flight and accommodation expenses (new)	Loss of deposits (new) Non-refundable flight and accommodation expenses (new) Repatriation of mortal remains (new) Funeral expenses (new)

For complete cover details, please read the SPDS

Underwriter Position Statement

The CFMEU Member Travel Insurance policy is underwritten by Accident & Health International Underwriting Pty Ltd (AHI). AHI releases official position statements clarifying particular aspects of their coverage with respect to COVID-19.

We strongly encourage all members considering booking travel or those with upcoming travel plans to read this document carefully.

Please also visit www.smartraveller.gov.au prior to booking and departure to ensure you are aware of the current DFAT advice level.

You can read the latest AHI position statement here: Coronavirus Position Statement

Important information about DFAT Advice Levels

The AHI position statement refers to four advice levels that appear when you enter your destination in the Smart Traveller website. These are important as they affect how your coverage responds.

The standard wording used to indicate each advice level is listed below:

• Level 1 - Exercise normal safety precautions
• Level 2 - Exercise a high degree of caution
• Level 3 - Reconsider your need to travel
• Level 4 - Do not travel

You can find out more about what each level means here.

Important Comments from Coverforce

If you are considering cancelling your trip due to the Coronavirus, please note that fear of travel is not a covered event under Travel Insurance.

Further information

Important Notice: We are recieving a high volume of calls with queries regarding travel insurance coverage. The majority of questions can be answered by reading the AHI Coronavirus Position Statement. Please limit calls to questions that are not covered in this document to ensure members who require urgent assistance are able to access a broker.

For further information regarding your insurance coverage please contact your service team at Coverforce or contact AHI directly on the details below:

AHI: +61 2 9251 8700 / 1 800 618 700

AHI Assist: +61 2 8330 1222 (for those who are on active travel)

References

¹World Health Organisation Media Briefing 11th March 2020