WIXLIB

Orange One PlatinumVisa Credit CardComplimentary InsuranceTerms & Conditionsfor insured events occurring onor after 1 November 2018

ContentsAbout the complimentary cover provided. 1Introduction. 1ING is not the issuer (insurer) of this cover. 1In the event of an emergency overseas, simply call AllianzGlobal Assistance in Australia at any time on 617 33057499 (reverse charge).Termination of this cover. 2You do not have to tell us that you will be travelling.Privacy. 3Provided you are eligible and comply with the termsand conditions of covers outlined in this booklet you arecovered by this complimentary insurance.Other insurance. 2Limitation of cover. 3Definition & interpretationof words used in this booklet. 6Part A - Eligibility & Activation of cover.13Part B - Period of cover.14Part C - Table of Benefits.15Part D - Excesses & General exclusions.17Part E - The cover we provide.21Pre-existing medical conditions.21Emergency & medical services while overseas.23Travelling overseas.24Claims.41How to make a claim.41Depreciation of covered items and valuables.42Claims are apyable in Australian dollars.43You must not admit fault or liability.43You must help us recover any money we have paid.43ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823 (ING)does not underwrite the covers contained in this booklet.ING has entered into an agreement for the benefit of itsspecified cardholders.This insurance is issued and managed by AWP Australia Pty Ltd, ABN52 097 227 177, AFSL 245631 trading as Allianz Global Assistance, 74High Street, Toowong, QLD 4066 under a binder from the underwriterAllianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708,of 2 Market Street, Sydney, NSW 2000.Subrogation.44Recovery.44How GST may affect your claim.44Fraud .45Complaints & disputes.46

About the complimentarycover provided.IntroductionThis booklet describes the complimentary insurancebenefits provided by Allianz, which are available to INGcard cardholders. Cover applies to events occurring on orafter 1 November, 2018. You are not covered for eventsoccurring after termination of, or expiry of the period ofinsurance specified in, the Group Policy. ING will advise youof any replacement cover.These covers are available under a Group Policy issuedto ING Bank (Australia) Limited ABN 24 000 893 292 AFSL229823, of 60 Margaret Street, Sydney, NSW 2000 (ING) byAWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631,of 310 Ann Street, Brisbane, QLD 4000 (Allianz GlobalAssistance) under a binder from the underwriter, AllianzAustralia Insurance Limited, ABN 15 000 122 850, AFSL234708, of 2 Market Street, Sydney, NSW 2000 (Allianz).For general enquiries call Allianz Global Assistance whoissues and manages the Group Policy on behalf of Allianz.There is no obligation to accept any of these benefits.However, if a cardholder wishes to claim any of thesebenefits, they will be bound by the definitions, terms,conditions, exclusions and claims procedures contained inthis booklet.PLEASE READ THIS BOOKLET CAREFULLY AND KEEP IT INA SAFE PLACE. Also please keep detailed particulars andproof of any loss including the sales receipts and ING cardaccount statements showing any purchases.ING is not the the issuer(insurer) of this coverING is not the product issuer (insurer) of these covers andneither it nor any of its related corporations guarantee anyof the benefits under these covers.These benefits are provided at no additional cost to thecardholder and ING does not receive any commission orremuneration in relation to these covers.Termination of this coverING or Allianz may terminate any one or all of thecovers described in this booklet, and if so ING will notifyaccountholders of the termination or change in writing.The existing cover will only apply to events occurring beforethe date of change or termination. No cover is providedfor claims events occurring after the date of termination.ING will provide accountholders with details of anyreplacement cover.Other insuranceThe cover described in this booklet is provided for yourbenefit under a Group Policy entered into between Allianzand ING. ING is the policy owner. When eligible, you havethe benefit of cover as a third party beneficiary by reasonof the statutory operation of Section 48 of the InsuranceContracts Act 1984 (Cth).If you are entitled to receive a benefit or make aclaim under another insurance policy (Other Policy)(for example, a comprehensive travel insurance policyfor your overseas journey), in respect of the same loss asyour claim under this Group Policy, then, subject to theprovisions of the Insurance Contracts Act 1984 (Cth) Allianzis not liable to provide indemnity under this Group Policyuntil the amount of any indemnity under that Other Policyis exhausted. In other words, any cover under this GroupPolicy in respect of the same loss shall only be excessinsurance cover over and above the applicable Other Policy.If you make a claim under another insurance policy andyou are not paid the full amount of the claim, then, subjectto the provisions of the Insurance Contracts Act 1984 (Cth),the cover provided to you under the Group Policy will makeup the difference, to the extent of cover that applies, inaccordance with the terms and conditions contained inthis section.We may seek contribution from your other insurer. Youmust give us any information that we reasonably require tohelp us make a claim from the other insurer.Neither ING nor any of its related corporations areAuthorised Representatives of Allianz, Allianz GlobalAssistance or their related companies.12

Limitation of coverNotwithstanding any other terms, we will not provide covernor will we make any payments or provide any service orbenefit to any person or other party to the extent that suchcover, payment, service, benefit and/ or any business oractivity of the person would violate any applicable trade oreconomic sanctions law or regulation.PrivacyTo offer or provide you with our products and services (orthose we may offer or provide to you on behalf of ourbusiness partners) we, namely AWP Australia Pty Ltd ABN52 097 227 177 trading as ‘Allianz Global Assistance’,and our agents and representatives, collect, store, use,and disclose your personal information including sensitiveinformation.We usually collect it directly from you but sometimesfrom others depending upon the circumstances andthe product involved. For instance, we may collect yourpersonal information from our business partners who mayhave provided you with a product or service including butnot limited to travel insurance, roadside assistance with avehicle purchase, Overseas Student or Visitor Health Cover,or other assistance services we arrange or provide.For example, your personal information may be collectedfrom your family members and travelling companions,doctors, and hospitals if you purchase our travel insuranceand require medical assistance. Likewise, we collectpersonal information from universities and your agentsif you inquire about or apply for our Overseas Studentor Visitor Health Cover. We are the ‘data controller’ andresponsible for ensuring your personal information is usedand protected in accordance with applicable laws includingthe Privacy Act 1988 and sometimes European Law (theGDPR) where our activities are within its scope. Personalinformation we collect includes, for example, your name,address, date of birth, email address, and sometimes yourmedical information, passport details, bank account details,as well as other information we collect through devices like‘cookies’ when you visit our website such as your IP addressand online preferences.3We use your personal information to offer and provideour products and services and to manage your and ourrights and obligations in connection with any productsand services you have acquired. For instance, we useit to assess, process, and investigate any travel orhealth insurance claims, and to liaise with GovernmentDepartments when necessary.We may also use it for product development, marketing(where permitted by law or with your consent but not inconnection with some products or services such as creditcard insurances), customer data analytics, research, ITsystems maintenance and development, recovery againstthird parties, fraud investigations, and for other purposeswith your consent or where permitted by law. We do notuse sensitive information for marketing purposes or providethat information to any third parties for marketing.Your personal information may be disclosed to third parties(some of whom are data processors) who assist us to carryout the above activities both inside and outside of Australia,such as claims management providers, travel agents andintermediaries, insurers, investigators, cost containmentproviders, medical and health service providers, universitiesand other education institutions, roadside assistance andtowing providers, vehicle manufacturers, overseas datastorage (including ‘cloud’ storage) and data handlingproviders, legal and other professional advisers, youragents and broker, your travel group leader if you travelin a group, your employer if you have a corporate travelpolicy, your bank if you are the beneficiary of the bank’scredit card insurances, insurance reference bureaux, andour related and group companies including Allianz. Someof these third parties may be located in other countriesincluding in Europe, Asia, Canada, or the USA. We also,where necessary, disclose your personal information toGovernment Departments including for immigration andprivate health insurance purposes as well as to regulatorybodies.With the exception of credit card insurances and someother products and services that we offer or provide onbehalf of certain clients, we may, where permitted by lawor with your consent, contact you by telephone, normalmail, email, electronic messages such as SMS, and via other4