Each year SAicorp places a comprehensive travel insurance policy in the commercial market. The policy provides automatic cover to employees of all South Australian Government Agencies and Statutory Authorities insured with SAicorp who are travelling on authorised business.
Insurance cover is provided by Accident & Health International Pty Ltd and includes some cover for limited, incidental private travel. Although you do not need to inform SAicorp of each and every business trip authorised by your employer, it is best to seek advice from SAicorp about what cover you will have for any private travel occurring during your trip.
There is no automatic cover for pre-existing medical conditions. Should you have a pre-existing medical condition or are unsure please contact SAicorp.
We recommend that travellers take a copy of the Travel Insurance Summary on their trip, as it contains the Emergency Assistance contact number and Policy Number, should assistance be required.
Travel Insurance Documents
Please refer to SAicorp Contacts should you require information or advice.
How to make a claim
All losses for baggage, money and travel documents must be reported to local authorities within 24 hours and a written report obtained.
Medical claims should be submitted to your local health providers prior to lodgement with AHI.
Immediately report any baggage loss or damage to the airline or carrier involved and submit a claim against the airline. They may be responsible for damage and or loss and compensation must be obtained through this avenue first.
Printable version of How to make a claim.
Overseas medical expenses, dental expenses, hospital claims & additional expenses
Additional or curtailment expenses occur after your journey has commenced. These are extra expenses that you would not normally have incurred if the claimable event had not taken place.
The following documentation should be submitted with your claim form:
- Receipts for all medical expenses incurred. This may also include any hospital invoices that indicate itemised accounts or treatment services provided
- Medical benefit refund documents
- Doctors Certificate or letter from the hospital specifying exact nature of medical condition suffered by insured person
- A copy of your travel itinerary or travel tickets
- Copies of any relevant Police reports if they were called to assist in any matters
- Additional Expenses claim receipts and tickets
- Letter from Travel Agent or carrier verifying reason for additional expenses and full details of any refund obtained
Please ensure that the currency in which expenses were incurred is clearly indicated on the claim form.
Accident & Health International may request that original receipts with respect to hospitalisation costs be provided.
Luggage and personal effects
The following documentation should be submitted with your claim form:
- A Police report or declaration if items were stolen. All losses or stolen property should be reported to the Police or appropriate local authorities and acknowledgement obtained
- Report or letter from authority such as Police or Airline confirming the loss occurred and the amount of compensation provided
- Proof of ownership of items claimed. Receipts, valuations, Guarantee Certificates, Instruction Manuals, credit card statements or other proof of purchase and supporting documentation
- If baggage was lost or damaged by an airline or carrier it should immediately be reported and a claim first lodged against them. In most cases they may be liable for some or all of the damage or loss
- Bank Statement, transaction receipts, foreign currency conversion receipt or other proof of cash claimed
- Quotation for repair or replacement of items.
Cancellation charges and loss of deposit
Loss of deposits or cancellation expenses are incurred if a claimable event occurs before you undertake your proposed journey.
- Copy of travel itinerary or travel tickets
- Original Tickets or Vouchers if a refund has not been obtained
- Copy of any itemised costs and or deposits that you paid for your proposed journey
- Doctor’s Certificate or a letter from the hospital specifying exact nature of medical condition suffered by Insured person
- Letter from Travel Agent verifying total cost of Journey, value of unused portion of journey, cancellation charges incurred and total amount of refund received
- Medical certificates to support any illness, or a copy of a death certificate if your travel was cancelled due to a death in the family
- A letter from your Travel Agent, Tour Operator or Airline indicating any refunds that you have already received or may be eligible to receive.
Please submit any letters of demand or claims received against the insured person.
Damage to rental vehicles and theft excess cover
- A copy of the Rental Agreement or contract showing the excess
- Receipt from the rental company indicating payment of excess
- A Statement from the rental company indicating the cost of damaged to the vehicle
- The vehicle repair invoice
- If damage to the vehicle was of a minor nature and costs were less than the excess, then we will also require the repair invoice that indicates the amount that was paid
Accident & Health may appoint a loss assessor to assist with the collection of any further information that may be required.
Travel Insurance Summary
Printable version of Travel Insurance Summary
Insurance cover is provided for overseas, interstate and intrastate travel on SA Government business for a maximum of six months (180 days).
Covers all South Australian Government Agencies and Statutory Authorities covered under the Government’s Insurance and Risk Management arrangements as administered by SAICORP.
General Travel Insurance enquiries should be made to SAICORP on 8226 2270.
This policy is underwritten by Accident and Health International Pty Ltd. The policy number that should be quoted in all interactions with the insurer is 0023171.
Claims enquiries should be made to Accident and Health International Assist (AHI Assist). If you require assistance anywhere in the world, contact the local telephone operator and ask for a reverse charge call to AHI Assist on:
Emergency Contact Number: +61 2 99786666
SMS: +61 416907493
What to do in the event of a claim
Contact the Emergency Contact Number for assistance and advice.
Medical Expenses or Emergency
You may choose to retain the account and doctor’s statement and present a claim for reimbursement upon your return. These claims should be submitted to SAICORP who will forward the documentation to the insurer on your behalf.
Loss or Damage to Baggage/Money
It is important to report the incident to the relevant authority, i.e. Police, Airline, etc and obtain written verification that you have reported the loss.
You may choose to retain the account and present it together with any applicable police report for reimbursement upon your return. These claims should be submitted to SAICORP who will forward the documentation to the insurer on your behalf.
What am I covered for?
This is a summary only. Refer to the Policy Document for complete details. The Policy Document is available at
A & H Corporate Travel Wording
Travelling with Electronic Devices
Did you know?
The United States and the United Kingdom recently announced a ban on electronic devices larger than a mobile phone, such as laptops, tablets, e-readers and cameras, from cabins on flights from various airports and countries in the Middle East and North Africa into the United States and United Kingdom.
These restrictions are regularly reviewed and updated so we recommend you check with smartraveller.gov.au, your airline or your travel provider prior to departure to confirm if you are affected.
What this means for your Government Travel Insurance
Where you are required to place electronic devices in your checked baggage for security reasons, the SA Government Travel Insurance Policy has been endorsed to cover any loss or damage to electronic devices while in your checked baggage, but only if they have been adequately packaged and protected from theft or damage.
In all other circumstances, you are required to take your electronic devices as personal cabin baggage in order for these items to be covered for loss or damage during a flight.
If you have any questions please do not hesitate to contact SAicorp.
Limits / Excess
Personal Accident & Sickness (Death & Capital Benefits)
Death & Capital Benefits up to a maximum of $250,000, Weekly Benefit: 85% of earnings to a maximum of $2,000
Kidnap, Detention, Extortion and Ransom
$1,000,000 maximum per event
Medical, Additional Expenses, Medical Evacuation and AHI Assist
Unlimited for 24 months - Excess: Nil
Loss of Deposits and Cancellation Charges
Baggage, Travellers Cheques, Travel Documents and Credit Cards (Limit any one item $10,000)
$20,000 – Excess: Baggage – Nil
Money/Travel Documents - $50
Computers and Electronic Equipment
$10,000 – Excess: $250
Extra Territorial Workers Compensation
Eight (8) hours or more – Limit $5,000
Hire Car Excess Expense
Up to $5,000
Evacuation Cover and Personal Safety