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AHI’s Corporate Travel policies are carefully designed to protect you and your business, so you can focus on what matters most.
When the unexpected interrupts your itinerary, it’s vital that you can trust your corporate travel cover to be as reliable, flexible and agile as your business.
Whether you’re travelling locally or abroad, AHI’s Corporate Travel policy will protect you and your employees against unexpected costs in the event of misadventure such as cancelled flights, medical emergencies and evacuation, even political unrest and acts of war or terror. Our policies have broader reach – covering
you in overseas destinations where others can’t.
AHI Assist
Political unrest, natural disasters, medical emergencies and threats to personal safety are a risk when you’re travelling abroad.
When you’re a long way from home, AHI Assist has your back. We’ll make sure you get the most effective and efficient support possible during and after any medical or safety emergency you may encounter.
With 24-hour assistance centres, you’ll have a team of highly qualified emergency doctors, medics, aviation medical specialists and nurses, along with safety and security experts, on call – 24/7, to support you, when you need it most.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
Regardless of where you’re working, you need access to the best possible medical care – even if it means emergency evacuation to get you there.
AHI’s Expatriate Medical Expenses policies pay hundreds of thousands of dollars for medical, specialist, hospital, pharmaceutical, evacuation, repatriation and ancillary expenses every year when our customers need our support the most.
Our Expatriate Medical Expenses policy can be complimented by our Corporate Travel and Group Personal Accident & Sickness policies – because working abroad should never mean gambling with your health and safety.
AHI Assist
Political unrest, natural disasters, medical emergencies and threats to personal safety are a risk when you’re travelling abroad.
Even poor baggage handling or a lost passport can leave you stranded. When you’re a long way from home, AHI Assist has your back. We’ll make sure you get the most effective and efficient support possible during and after any medical or safety emergency you may encounter.
With 24-hour assistance centres, AHI Assist works swiftly to ensure your health and safety are protected and oversees any necessary transport arrangements – including evacuation.
You’ll have a team of highly qualified emergency doctors, medics, aviation medical specialists and nurses, along with safety and security experts, on call – 24/7, to assist before, during and after any emergency you may encounter.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
It’s important for your business, and your employees to ensure you’re providing the appropriate duty of care should something happen.
In today’s competitive global marketplace, you want to use the skills of the best available workers, regardless of nationality.
For employees transferring to Australia, AHI’s Inbound Medical Expenses policy will make sure they’re covered if they should ever need to access our world-class healthcare.
AHI’s Inbound Medical Expenses policy provides comprehensive health cover for vital members of your team. That means you – and they – can get on with the job.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
Safeguard your employees and your business against the financial consequences of accidental injury or illness.
Your employees are your most valuable asset, so it makes sense to safeguard their health and livelihood, as well as your business. AHI’s Group Personal Accident and Sickness policy is carefully designed to offer protection against financial loss due to death, disablement or injury.
In the case of an accident or illness that prevents a return to work, our policy can pay a weekly benefit to help cover lost income. Or in the case of disablement or death, pay a lump-sum benefit.
It can be offered as a direct benefit to employees, or be used to protect your company against financial losses during employee downtime.
It’s also suitable for other groups, such as industry associations and membership organisations.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
Be an employer of choice and ensure you’re employees are protected on the way to and from work.
Whether it’s a five-minute walk or an hour-long commute, accidents can happen on the way to or from work. AHI’s marketleading insurance protects you and your employees against financial loss in the event of death or injury.
Showing duty of care to your employees can differentiate your business as an employer of choice. Journey cover show your employees that you care, by covering them on the way to and from work.
It’s ideal for employees in states where workers compensation insurance doesn’t provide cover for travel to and from work, including New South Wales, Victoria, South Australia, Western Australia and Tasmania.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
While you focus on serving your community, we’ll make sure you’re covered with AHI’s comprehensive Voluntary Workers Personal Accident policy.
Volunteers are the beating heart of our local and global communities. Whether you’re sizzling sausages at a junior sports club, making decorations for a charity fundraiser, AHI has you covered in case of accident, accidental death or permanent disability.
Our policy covers voluntary workers, club directors and committee members who wouldn’t otherwise be eligible for workers compensation insurance. You play an important role supporting others, so don’t forget to keep yourself and your volunteers safe from risk.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
AHI’s Directors Personal Accident and Sickness policy is specifically designed to protect your business and your board of directors.
Company directors play an essential role in your business, that’s why AHI’s policy is unlike any other, we have no age limit, no excess and no exclusions for pre-existing medical conditions.
In the case of a serious accident or illness that prevents a return to work, our policy can pay a weekly benefit of $2,000 up to $4,000. Or in the case of disablement or death, a lump-sum benefit of $200,000 or $400,000, depending on your level of cover.
Cover is only available where a director is able to opt out of, or be excluded from, cover under their state’s workers compensation scheme.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
Accidents and illness can have a sudden and unexpected impact on your livelihood and your family. Let AHI protect what matters most to you.
You can take steps to protect against the inconvenience and financial loss that comes with being off work. AHI’s Personal Accident and Sickness policy is carefully designed to protect you and your loved
ones, so you can focus on what matters most.
If you have an accident or illness and can’t return to work, our policy can help cover the costs of your lost income and business expenses for up to two years. Or in the case of disablement or death, our policy can pay a lump-sum benefit to use however you, or your beneficiaries, choose. We can even cover you 24 hours a day, seven days a week, anywhere in the world.
So whether you’re running a small business, or a multinational one, it pays to have market-leading insurance cover on your side.
Read our case study on a sole trader that protected 80% of his income.
Why AHI?
When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.
- Our underwriting and claims performance standards are externally focused and written with your needs in mind.
- We audit our work against our performance to ensure we’re delivering you the best possible service.
- Our products have broader scope to suit some of the most unique needs.
- We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.
Spend your holiday relaxing. With broad cover options suited to your travel itinerary, and 24-hour support on hand, you know you're travel prepared.
Whether you are taking your family around Australia, or finally taking that long planned cruise through the Pacific Islands or down the Mekong River, the World2Cover product has international single and annual multi-trip as well as domestic Leisure Travel options to help cover you and your loved ones.
Cruise and Ski/Winter Sport optional add on’s are available, depending on the level of cover. Please read the Product Disclosure Statement (PDS) for specific terms and conditions, sub limits and exclusions that may apply. Please also read the Target Market Determination (TMD) to make sure whether this product is suitable for your circumstances.
We are delighted to announce that our brokers and clients receive a 10% discount on all World2Cover multi-award winning domestic and international Leisure Travel policies, simply click on the link below to visit our dedicated AHI and World2Cover portal.
Click here to obtain a quote or for more information.
© Accident & Health International Underwriting Pty Limited (ABN 26 053 335 952 AFSL 238261) (AHI)
AHI arranges the travel insurance covers set out above as agent of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).
Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the World2Cover Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products.
Please read the World2Cover Combined Financial Services Guide and Product Disclosure Statement for full details of terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits.
TMDs outline the intended class of customers that comprise the target market for these travel products, including key attributes of the insurance cover and eligibility criteria. A TMD does not replace the terms and conditions, nor the disclosures make, in a PDS so you should read the applicable PDS carefully and contact us if you have any queries. A copy of our PDS, Supplementary PDS and TMD’s for each travel product can be found here.
AHI’s Kidnap and Ransom policy is designed to provide the cover needed to ensure you can access the experts you need to minimise loss of life, as well as financial, reputational and operational risks during a crisis.
Today’s global economy means we’re entering new territories that come with cultural, regulatory and logistical challenges. This means increased risk for businesses and their employees travelling and living in these locations.
Your organisation has a duty of care to mitigate these risks and provide suitable crisis response, no matter where your people are. AHI’s Kidnap and Ransom policy enables you to access expertise that can handle a kidnap, hostage-taking or other crisis; minimising loss of life and the collateral damage to your company’s morale, reputation, operations and finances.
Are you covered?
These days, many Corporate Travel policies offer a Kidnap & Ransom (K&R) limit as part of their standard cover. It isn’t unusual to see limits of $250,000 or $500,000 automatically included, leading many companies to believe they are adequately covered for a kidnap event. Whilst it might seem comforting on paper, in reality a company travelling to or operating overseas could find themselves grossly under-insured, having to pay for additional expenses they hadn’t envisaged.
AHI’s Kidnap and Ransom policy covers declared individuals, at all times as well as their family members. They do not have to be away from their home country at the time of an incident.
Corporate Travel
AHI Corporate Travel Cover [CT_16022024] (for policies with an effective date of 16/02/2024)
AHI Corporate Travel Cover [CT_01012024] (for policies with an effective date of 01/01/2024 to 15/02/2024)
AHI Corporate Travel Cover [CT 05102021] (for policies with an effective date of 05/10/2021 to 31/012/2023)
AHI Corporate Travel Cover [CT 09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Corporate Travel Cover [CT SPDS 10072020] (for policies with an effective date of 10/07/2020 to 31/07/2021)
AHI Corporate Travel Cover [CT 23092019] (for policies with an effective date of 23/09/2019 to 31/07/2021)
AHI Corporate Travel Cover [CT 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Corporate Travel Cover [CT 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Corporate Travel Cover [CT PDS WRD 01/14 ST] (for policies with an effective date from 01/01/2014 to 31/01/2019)
Directors Personal Accident
AHI Director's Personal Accident Cover [DPAS_19012024] (for policies with an effective date of 19/01/2024 onwards)
AHI Director's Personal Accident Cover [DPAS_05102021] (for policies with an effective date of 05/10/2021 to 18/01/2024)
AHI Director's Personal Accident Cover [DPAS_09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Director's Personal Accident Cover [DPAS 23092019] (for policies with an effective date of 23/09/2019 to 31/07/2021)
AHI Director's Personal Accident Cover [DPAS 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Director's Personal Accident Cover [DPAS 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Director's Personal Accident Cover [DPAS 012014 ST (for policies with an effective date from 01/01/2014 to 31/01/2019)
Expatriate Medical Expenses
AHI Expatriate Medical Expenses Cover [EX_09022024] (for policies with an effective date of 09/02/2024 onwards)
AHI Expatriate Medical Expenses Cover [EX_05102021] (for policies with an effective date of 05/10/2021 to 08/02/2024)
AHI Expatriate Medical Expenses Cover [EX_09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Expatriate Medical Expenses Cover [EX SPDS 15072020] (for policies with an effective date of 15/07/2020 to 31/07/2021)
AHI Expatriate Medical Expenses Cover [EX 23092019] (for policies with an effective date of 23/09/2019 to 31/07/2021)
AHI Expatriate Medical Expenses Cover [EX 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Expatriate Medical Expenses Cover [EX 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Expatriate Medical Expenses Cover [EX 012014 ST] (for policies with an effective date from 01/01/2014 to 31/01/2019)
Group Personal Accident and Sickness
AHI Group Personal Accident Cover [GPAS_19012024] (for policies with an effective date of 19/01/2024 onwards)
AHI Group Personal Accident and Sickness Cover [GPAS_05102021] (for policies with an effective date of 05/10/2021 to 18/01/2024)
AHI Group Personal Accident and Sickness Cover [GPAS_09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Group Personal Accident and Sickness Cover [GPAS 23092019] (for policies with an effective date of 23/09/2019 to 31/07/2021)
AHI Group Personal Accident and Sickness Cover [GPAS 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Group Personal Accident and Sickness Cover [GPAS 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Group Personal Accident and Sickness Cover [GPAS 012014 ST] (for policies with an effective date from 01/01/2014 to 31/01/2019)
Inbound Medical Expenses
AHI Inbound Medical Expenses Cover [IN_09022024] (for policies with an effecgtive date of 09/02/2024 onwards)
AHI Inbound Medical Expenses Cover [IN_05102021] (for policies with an effective date of 05/10/2021 to 08/02/2024)
AHI Inbound Medical Expenses Cover [IN_09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Inbound Medical Expenses Cover [IN 01042020] (for policies with an effective date of 01/04/2020 to 31/07/2021)
AHI Inbound Medical Expenses Cover [IN 23092019] (for policies with an effective date of 23/09/2019 to 31/03/2020)
AHI Inbound Medical Expenses Cover [IN 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Inbound Medical Expenses Cover [IN 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Inbound Medical Expenses Cover [IN 012014 ST] (for policies with an effective date from 01/01/2014 to 31/01/2019)
Individual Personal Accident and Sickness
AHI Individual Personal Accident Cover [IPAS_19012024] (for policies with an effective date of 19/01/2024 onwards)
AHI Individual Personal Accident and Sickness Cover [IPAS_05102021] (for policies with an effective date of 05/10/2021 to 18/01/2024)
AHI Individual Personal Accident and Sickness Cover [IPAS_09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Individual Personal Accident and Sickness Cover [IPAS 23092019] (for policies with an effective date of 23/09/2019 to 31/07/2021)
AHI Individual Personal Accident and Sickness Cover [IPAS 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Individual Personal Accident and Sickness Cover [IPAS 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Individual Personal Accident and Sickness Cover [IPAS 012014 ST] (for policies with an effective date from 01/01/2014 to 31/01/2019)
Journey Cover
AHI Journey Cover [JY_19012024] (for policies with an effective date of 19/01/2024 onwards)AHI Journey Cover [JY_05102021] (for policies with an effective date of 05/10/2021 to 18/01/2024)
AHI Journey Cover [JY_09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Journey Cover [JY 23092019] (for policies with an effective date of 23/09/2019 to 31/07/2021)
AHI Journey Cover [JGPA 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Journey Cover [JGPA 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Journey Cover [JGPA 012014 ST] (for policies with an effective date from 01/01/2014 to 31/01/2019)
Voluntary Workers
AHI Voluntary Workers Cover [VW_19012024] (for policies with an effective date of 19/01/2024 onwards)AHI Voluntary Workers Cover [VW_05102021] (for policies with an effective date of 05/10/2021 to 18/01/2024)
AHI Voluntary Workers Cover [VW_09042021] (for policies with an effective date of 01/08/2021 to 04/10/2021)
AHI Voluntary Workers Cover [VW 23092019] (for policies with an effective date of 23/09/2019 to 31/07/2021)
AHI Voluntary Workers Cover [VWGPA 28062019] (for policies with an effective date from 01/09/2019 to 22/09/2019)
AHI Voluntary Workers Cover [VWGPA 01022019] (for policies with an effective date from 01/02/2019 to 31/08/2019)
AHI Voluntary Workers Cover [VWGPA 012014 ST] (for policies with an effective date from 01/01/2014 to 31/01/2019)
Sports Cover
AHI Sports Cover [SP_19012024] (for policies with an effective date of 19/01/2024 onwards)
Location: Worldwide
Date: 7 January 2021
UPDATE:
Australian Department of Foreign Affairs and Trade (DFAT):
Travel Advice Updated as at 30 December 2020
"There's a ban on overseas travel from Australia. You can’t leave Australia unless you get an exemption from the Department of Home Affairs.
All our 177 travel advisories on Smartraveller are set at 'Do not travel' due to the health risks from the COVID-19 pandemic and the significant disruptions to global travel.
If you’re overseas and wish to return to Australia, be prepared for delays and read our advice on trying to get home. We encourage you to register with DFAT if you’re currently overseas and wish to return home but have not been able to.
When you arrive in Australia you must quarantine for 14 days at designated facilities in your port of arrival, unless you have an exemption. At this time, vaccination against COVID-19 does not change this quarantine requirement. You may be required to pay for the costs of your quarantine. View State and Territory Government COVID-19 information for information about quarantine and domestic borders."
https://www.smartraveller.gov.au/news-and-updates/coronavirus-covid-19
Following the declaration made by the Australian Government AHI advises its Underwriting Position remains as follows:
AHI’s Position Statement issued on 13 March 2020 has not changed.
Download 13 March 2020 Position Statement
Any new travel booked on or after 4.00pm (AEDT) on the 13th March 2020
AHI now consider that the possibility of disruption/delay/cancellation of any travel arrangements is no longer “unforeseen” or “unforeseeable”. This not only applies to overseas travel but also domestic travel within Australia.
Accordingly, there is no cover for any claim brought pursuant to “unforeseen” or “unforeseeable” circumstances where the loss is directly or indirectly caused by COVID-19.
This underwriting position applies to all new travel booked for the following products:
- All Corporate Travel policies
- All Leisure Travel policies
There is no cover for:
- Wages or income replacement for any period where you are:
- placed in quarantine, or
- self-isolating, or
- restricted from returning your home.
- Any expenses associated with “entry restrictions”, “quarantine restrictions” or “localised lockouts or lockdowns”. This particularly applies to travel plans that involve travelling through or transitioning through:
- multiple countries or international borders, or
- within a city, town or region (including within Australia), or
- from one state or territory to another (including within Australia).
AHI Considers that COVID remains a declared pandemic and such losses cannot be considered to be unforeseeable given the evolving nature of infection rates and outbreaks.
Further information with respect to the Coronavirus:
AHI Recommends the following two websites for factual information:
- Australian Department of Foreign Affairs and Trade - www.smartraveller.gov.au
- World Health Organisation - www.who.int
Further Queries:
- Your Insurance Broker (if applicable).
- AHI: +61 2 9251 8700 / 1 800 618 700
- AHI Assist: +61 2 8330 1222 (for those who are on active travel)
COVID-19: Claims Process and Checklist for Loss of Deposits or Forfeited Expenses
AHI’s goal is to ensure that we provide a thorough and efficient claims assessment process for all of our clients. Therefore, please carefully read all of the information below. Your assistance in complying with all of the requirements below will ensure a rapid assessment of your claim.
Prior to submitting your claim:
- Approach all of the providers (Travel Agents, Airlines, Hotel, Tour Operators etc) to fully discuss cancellation fees, refunds, postponements etc including refundable and non-refundable components. In particular, for airlines refer to their cancellations, refunds and “holding fares in credit” policy.
- For proposed trips that require progressive deposit or instalment payments, speak to your various providers with respect to whether these can be put on hold until a later date.
- Please note that airline providers are responsible for refunding taxes, GST, duties and airport charges and these are required to be claimed from the airline.
When submitting a claim to AHI please ensure the following are provided:
- A completed claim form with reference to any attachments to the claim form (Refer to Attachment 1, or refer to Attachment A), e.g.: “spreadsheets” etc if there is insufficient space on the claim form
- The trip itinerary - including dates and specific destinations
- The number of persons travelling. Please note: If claiming under an AHI Corporate policy then we will also require clarification of that person’s status/entitlement to claim against the policy.
- Itemise the costs for the trip into clear and distinct categories and also itemise any refunds or credits received against each category. For example:
- Airfares
- Accommodation
- Tours
- Other
- The cancellation terms and conditions for each booking. In particular, any reference to queries that have been undertaken with each service provider.
- Any other supporting documentation that clarifies how or why the expenses were incurred (e.g. email correspondence between various parties).
Important:
Many large operators are offering “credits” in lieu of refunds, and many of our business travellers will be able to use such credits over the course of the next 12 months.
However, where a “credit” is offered by any provider and you are unable to use that credit, then AHI will require written confirmation from the respective provider that you have waived any entitlement to that credit prior to AHI settling the claim.
Please note all travel claims are different and each claim is assessed on its own merits. Therefore, at times, AHI may be required to ask further questions, or seek further information in addition to that specified above.
Submitting the Claim Form
Claims can be submitted by the following two methods:
Email (Preferred): claims@ahiinsurance.com.au
Claims submitted to the above address will receive an autogenerated acknowledgement.
Post:
Claims Department AHI Insurance GPO Box 4213 Sydney NSW 2001Other:
- Some Corporate Clients request that claim forms are submitted via the relevant Employer or Insurance Broker. Please check with your Employer, Broker, or Association etc if this is the requirement.
- If your claim required you to contact “AHI Assist” during an overseas trip, then AHI may already hold some information into the nature and circumstances of your claim. It is important that you follow any instructions that you may have received from AHI Assist.
Further enquiries can be made by contacting AHI on 1800 618 700
COVID-19 (Coronavirus) Positions Statements
Hong Kong Position Statement
Corporate Travel
AHI Corporate Travel Cover [CT_16022024_TMD] (for policies with an effective date of 16/02/2024 onwards)
Directors Personal Accident
AHI Director's Personal Accident Cover [DPAS_19012024_TMD] (for policies with an effective date of 19/01/2024 onwards)
Expatriate Medical Expenses
AHI Expatriate Medical Expenses Cover [EX_09022024_TMD] (for policies with an effective date of 09/02/2024 onwards)
Group Personal Accident and Sickness
AHI Group Personal Accident and Sickness Cover [GPAS_19012024_TMD] (for policies with an effective date of 19/01/2024 onwards)
Inbound Medical Expenses
AHI Inbound Medical Expenses Cover [IN_09022024_TMD] (for policies with an effective date of 09/02/2024 onwards)
Individual Personal Accident and Sickness
AHI Individual Personal Accident and Sickness Cover [IPAS_19012024_TMD] (for policies with an effective date of 19/01/2024 onwards)
Journey Cover
AHI Journey Cover [JY_19012024_TMD] (for policies with an effective date of 19/01/2024 onwards)
Sports Cover
AHI Sports Cover [SP_19012024_TMD] (for policies with an effective date of 19/01/2024 onwards)
Voluntary Workers
AHI Voluntary Workers Cover [VW_19012024_TMD] (for policies with an effective date of 19/01/2024 onwards)
Whether you're travelling for business, leisure or bleisure, you need AHI's ultimate travellers checklist.
Long-haul flights the right way. Follow our simple tips to feel a little better after a long plane journey.
Plan, prepare and stay updated. Check out these useful links for greater peace of mind on your next trip.
When somone has suffered an injury or sickness, the last thing they want to worry about is whether they’re covered by their insurance. In the insurance industry, claims are where the customer promise is delivered.
AHI has responded to changing community expectations by removing Mental Health exclusions across its entire suite of policy wordings.
"In our 20 year history, we’ve seen the industry shift significantly, and sometimes in a very short period of time."
Become part of the AHI Broker network today and experience award winning Underwriters and Claims service, while offering your customers market-leading cover.
The what and why. Plus key reasons your clients need it.
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2022 and beyond
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The Future of Insurance
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On-demand webinar: How Leisure Travel coverage operates under Corporate Travel Insurance
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Update on Organisational and Strategic Role Changes at AHI and Tokio Marine
A 10 minute guide to completing a Personal Accident and Sickness Claim Form
Year In Review and What to Expect in 2024
Accident and Health Market Overview and Panel Discussion
PRIVACY POLICY
Your privacy is important to us and we are committed to handling your personal information in a responsible way in accordance with the Privacy Act. This is our Privacy Policy and it sets out how we collect, store, use and disclose your personal information. We recommend that you read it carefully.
You do not have to provide us with your personal information, but if you do not do so we may not be able to provide you with our products or services.
By visiting our website, applying for, renewing or using any of our products or services or providing us with your information, you agree to your information being collected, held, used and disclosed as set out in this Privacy Policy.
The information we collect
We collect the information necessary for us to provide you with the products and services you have requested from us, and to manage your claims.
We will only collect your sensitive information if you have provided us with consent to do so. Where practicable, we will give you the option of interacting with us anonymously.
The information we collect and hold generally includes your name, address, date of birth, and contact details (such as your phone number(s), fax number and/or email address).
However, we may also collect and hold other information required to provide services or assistance to you, including your gender, employment, details of your previous insurances, sensitive information (such as health information and criminal records), claims history, your personal assets and those of your spouse or partner.
How we collect your information
We may collect your information in various ways, including via telephone, our website, hard copy forms or email. Whenever you choose to deal with us directly, we will where possible collect this information directly from you.
However, there may be occasions when we collect your information from someone else. This may include your broker or financial adviser, authorised representatives, other insurers, employers, agents or related entities, medical practitioners and rehabilitation providers, another party involved in a claim, investigators, family members, anyone you have authorised to deal with us on your behalf, and/or our legal advisers.
On all occasions, your information is collected, held, used and disclosed by us in accordance with this Privacy Policy.
We may also seek to collect information about someone else from you (for example, if you request a product or service jointly with another person). However, you must not provide us with information about another person unless you have clear consent from that person to do so and let them know about this Privacy Policy and where to find it.
How we use your information
We only use your information for the purpose for which it was provided to us, related purposes and as permitted by law. Such purposes include:
- responding to your enquiries;
- providing you with the assistance you requested of us, our products and services (for example, processing requests for quotes, applications for insurance, underwriting and pricing policies, issuing you with a policy, managing claims, processing payments, etc);
- maintaining/administering your account and policies and processing payments you have authorised;
- processing your survey or questionnaire responses for the purpose(s) notified in the survey or questionnaire (if you have chosen to participate in such);
- for market research so that we can better understand our customers' needs and tailor our future products and services accordingly;
- providing you with marketing information regarding other products and services (of ours or of a third party) which we believe may be of interest to you if you opt-in to receive such information;
- quality assurance and training purposes; and
- any other purposes identified at the time of collecting your information.
However, we will only use your sensitive information for the purposes for which it was initially collected, other directly related purposes or purposes to which you otherwise consent.
If you are not a customer (for example, if you are a medical practitioner, investigator, expert, claimant or other third party), your information will only be used for the specific purpose or claim for which it was provided to us, unless you have consented to other uses.
How we disclose your information
Where appropriate we will disclose your information to our related entities and third parties who provide services to us or on our behalf, including:
- insurance advisers (such as authorised representatives and insurance brokers);
- mailing houses;
- insurance reference bureaux, underwriters and re-insurers (and their representatives);
- other insurance providers;
- any credit providers that have security over your property;
- in the case of some claims (or likely claims), assessors, repairers, investigators, your employer, medical practitioners, rehabilitation and other health providers;
- the Australian Financial Complaints Authority (AFCA) which is an external dispute resolution scheme;
- our external IT service providers, infrastructure and other third party service providers;
- government bodies, regulators, law enforcement agencies and any other parties where required by law; and
- our related entities so that they can also offer you products and services if you have opted-in to receive such information.
We will only disclose your sensitive information for the purposes for which it was initially collected, other directly related purposes or purposes to which you otherwise consent.
A small number of our third party service providers are located in countries outside of Australia (mostly in the Philippines and Malaysia). Our contracts with these parties generally include an obligation for them to comply with Australian privacy law and our Privacy Policy. However you acknowledge that, by agreeing to the disclosure of your information to these entities outside of Australia, we will no longer be required to take reasonable steps to ensure the overseas recipient's compliance with the Australian privacy law in relation to your information and we will not be liable to you for any breach of the Australian privacy law by these overseas recipients and, on this basis, you consent to such disclosure.
Security of your information
We take reasonable steps (including any measures required by law) to ensure your information is protected and secure.
We also take reasonable precautions to ensure that any information you provide to us through our websites is transferred securely.
However, no data protection and security measures are completely secure. Despite all the measures we have put in place, we cannot guarantee the security of your information, particularly in relation to transmissions over the internet.
Accordingly, any information which you transmit to us is transmitted at your own risk. You must take care to ensure you protect your information (for example, by protecting your usernames and passwords, policy details, etc) and you should notify us as soon as possible after you become aware of any security breaches.
Accuracy, access and correction
We take reasonable steps to ensure the information we collect and hold about you is accurate, complete and up-to-date. However, we rely on you to advise us of any changes to your information or corrections required to the information we hold about you.
Please let us know as soon as possible if there are any changes to your information or if you believe the information we hold about you is not accurate, complete or up-to-date.
We will, on request, provide you with access to the information we hold about you unless otherwise required or permitted by law. We will notify you of the basis for any denial to access your information. We may ask you to complete a request in writing and will not charge you a service fee for retrieving and sending the information to you.
What if you have a complaint?
If you wish to make a complaint about a breach of this Privacy Policy or the privacy principles of the Privacy Act 1988(Cth), you can contact us using the contact details below. You will need to provide us with sufficient details regarding your complaint, as well as any supporting evidence and/or information.
We will refer your complaint to our Privacy Officer who will investigate the issue and determine the steps we will undertake to resolve your complaint. We will contact you if we require any additional information from you and will notify you in writing of the determination of our Privacy Officer.
If you are not satisfied with our determination, you can contact us to discuss your concerns or complain to the Australian Privacy Commissioner via www.oaic.gov.au.
Revision of our Privacy Policy
We reserve the right to revise this Privacy Policy or any part of it from time to time. Please review this policy periodically for changes. If we make significant changes to this policy, we will notify you by email or by putting a notice on our website at www.ahiinsurance.com.au.
Your continued use of our website, products or services, requesting our assistance, applying for or renewal of any of our products or services or the provision of further personal or sensitive information to us after this Privacy Policy has been revised, constitutes your acceptance of the revised Privacy Policy.
How to contact us
If you have any questions or concerns about this Privacy Policy or its implementation, please complete our online enquiry form or call us on (02) 9251 8700.
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