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TRAVEL INSURANCECombined Financial Services Guide and Product Disclosure StatementEffective 20 April 2022Product Disclosure Statement (PDS).................... 255 1. More than just a travel insurance
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Start by reading the combined financial services guide thoroughly.
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Familiarize yourself with the different sections of the guide, including the introduction, fee disclosure, and information about the financial products and services offered.
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Pay attention to any specific instructions or requirements mentioned in the guide.
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Who needs combined financial services guide?

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Anyone who is seeking to use or understand the financial products and services offered by a particular financial institution or organization needs the combined financial services guide.
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It is especially useful for individuals who are new to the financial industry, as it provides a comprehensive overview of the products and services, as well as important information about fees, risks, and terms and conditions.
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Investors, potential clients, or customers who are considering engaging with a financial institution will find the guide helpful in making informed decisions.
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The combined financial services guide is a document that provides information about the financial services offered by a company or individual.
Financial service providers are required to file a combined financial services guide.
The combined financial services guide can be filled out by providing details about the services offered, fees charged, and other relevant information.
The purpose of the combined financial services guide is to inform clients about the services offered and help them make informed decisions regarding their financial needs.
Information such as services offered, fees charged, contact information, and complaint resolution procedures must be reported on the combined financial services guide.
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