Sunday Territorian 15 May 2011
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www.sundayterritorian.com.au Sunday Territorian, Sunday, May 15, 2011 41 P U B : N T N E W S D A T E : 1 5 -M A Y -2 0 1 1 P A G E : 4 1 C O L O R : C M Y K u sundayterritorian.com.au SUNDAY TRAVEL additional costs associated with changed travel plans. Medibanks Simons says seniors should always read an insurance policys fine print to make sure they have the best cover to meet their needs. All travellers should read the product disclosure (statement) around anything relevant to them, with regards to condition on travel locations and activities while on holidays, he says. With regards to senior travellers, looking at the mandatory excess amounts due to their age is definitely something they need to be aware of. No one wants a shock upon returning from a trip due to assumptions that could easily have been clarified. Emergency treatment can be costly SarahNicholson Evacuations from theUSrange from$75,000 to $95,000 EVERY year the Department of Foreign Affairs and Trade handles 25,000 cases of Australians experiencing some sort of difficulty while travelling abroad. The number includes more than 1200 hospital stays, as well as 900 deaths and 50medical evacuations, and while the statistics cover all travellers its known that seniors are more likely to suffer some sort of medical emergency than someone younger. And when you consider there are more fees associated with an illness or injury than just treatment at a medical centre money spent on changing travel plans, accommodation for a spouse when their partner is admitted to hospital and even an air evacuation back to Australia the total can climb dramatically when a senior lands on the sick list. Travellers should be aware that if they do experience a medical emergency while travelling overseas the cost of hospitalisation and treatment, and the associated travel and accommodation fees, can be quite high, Apias Sharlene Findlay says. We had one customer who needed to be treated for a chest infection while holidaying in Europe, and the costs associated with this were more than $25,000. This is a lot of money to find if you do not have adequate travel insurance cover. DFATs Smartraveller website features the story of one senior Australian who had to find $10,000 after becoming ill on an around-the-world trip. Erin was starting her lap of the globe with a cruise, and before departure she organised only basic travel insurance without declaring a pre-existing condition. When the ship was at sea Erin starting suffering a severe shortage of breath, she was diagnosed with pulmonary emphysema which required oxygen until they reached the next port, and then she was taken to the nearest hospital before requiring a medivac to a larger facility. Erins basic insurance didnt cover her pre-existing condition, so she had to pay $10,000 for the emergency evacuation and the hospital stay, with the unexpected expense preventing her from continuing her travels. Mik Simons, Medibank Privates assistant product manager for travel and pet insurance, says that having a pre-existing condition wont disqualify an older traveller from securing cover. This depends on the type of policy and the condition at hand, and paying a premium is tailored to each individual traveller so that its a fair price and people arent paying more than what they should be, he says, Medibank has a policy that avoids added complexity by working with a selfassessment process removing the need to visit a doctor and get a medical declaration. Throughout the policy purchase process the customer has access to speak to a qualified nurse about medication, the condition, and to make sure everything is covered prior to signing the policy. Those who get very sick while travelling, who need to be flown back to Australia for treatment or care, will find the price of the repatriation will be the single episode that costs the most. Financial services research company Canstar Cannex has established that the price of flying a sick or injured person home from another country could easily climb into six figures. Medical evacuations from the United States range from $75,000 to $95,000, and sometimes up to $300,000, while the fee to get back to Australia from Bali could exceed $60,000. A Travel with confi dence with cover from around $1.35 a day.* With Medibank Travel Insurance you can get comprehensive cover for the essentials like luggage, credit cards and theft of cash, plus cancellation and travel delay. But more importantly, your health is covered with: unlimited overseas emergency medical cover 24/7 assistance and a worldwide hotline. Now, that should help you feel better knowing that even when youre a million miles from home youre never far from care with Medibank Travel Insurance all from around $1.35 a day.* Plus, Medibank Private members also get a 10% discount off our already great value premiums. For a quick quote go to medibank.com.au/travel, call us on 1800 113 056 or visit a Medibank store today. *Price based on annual Frequent Traveller policy. Total premium $492. Medibank Private Limited ABN 47 080 890 259 AR 286089 arranges this insurance as an authorised representative of ETI Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Mondial Assistance. Insurance issued by Mondial Assistance on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. This advice is provided without taking into consideration your personal circumstances, objectives or fi nancial situation. You should consider the Product Disclosure Statement available from medibank.com.au to decide if this product is right for you. 1 0 % MEDIBA N K M E M B ER DISCO UN T
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