Marys Medicine

Worldcare.co.nz

Sales and Policy Enquiries
0800 555 093 (within New Zealand) Effective 14 November 2013 0800 555 094 (within New Zealand) travelclaims@worldcare.com.au 24 Hour Emergency Assistance
Allianz Global Assistance
0800 778 103 (within New Zealand)
+61 7 3305 7499 (reverse charge from overseas)
Worldcare Travel Insurance is issued and managed by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (Incorporated in Australia) trading as Allianz Global Assistance, 74 High Street, Toowong QLD 4066, Australia.
This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand, el 1, 152 Fanshawe Street, Auckland 1010.
Peace of mind and protection– here, there and beyond! Wherever your travels take you, take expert assistance with you. With Allianz Global Assistance, you can travel with increased confidence, knowing one of the global leaders in assistance services is there to help you, at all times, and in all places.
About this Policy Wording How to Purchase this Policy Geographical Regions Table of Benefits Additional Options Pre-existing Medical Conditions Important Matters Words with Special Meanings Your Policy Cover How can we help?
General Exclusions We are emergency medical Applicable to all Sections assistance specialists, helping over 18,500 Australians and New Zealanders each year who become sick or injured overseas. We have a global team of doctors and nurses, ready to help, when you need it most.
About this Policy Wording • "Claims" (pages 49 to 50) - this sets out certain obligations that you and we have. If you do not meet them we may refuse to pay This Policy Wording sets out the cover available and the terms and conditions which apply. Please note that any recommendations or Applying for cover
opinions in this document are of a general nature only and do not take into account your objectives, financial situation or needs. When you apply for the policy, we will confirm with you things such as the period of cover, your premium, what cover options and Excesses This Policy Wording, together with the Certificate of Insurance and any will apply, and whether any standard terms are to be varied (this may other document we tell you forms part of your Policy, make up your be by way of an endorsement). These details will be recorded on the contract with Allianz. Please retain these documents in a safe place.
Certificate of Insurance issued to you.
About the available covers
This Policy Wording sets out the cover we are able to provide you with. You can choose one of these 4 Plans: You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss.
Plan A - Comprehensive (includes Policy Sections* 1 to 20) If we are unable to offer the cover you seek, it will be because the particular product offered and the premium we set is not designed to Plan B - New Zealand Only cover a particular risk or risks such as some geographical regions, some (includes Policy Sections 1, 5, 7, 12, 14, 16 to 19) pre-existing medical conditions, or some ages to name a few.
Plan C - Budget Cover If you have any queries, want further information about the policy or (includes Policy Sections* 2, 3, 4 & 16) want to confirm a transaction, please use the contact details on the back Plan D - Frequent Traveller - International cover of this Policy Wording.
(includes Policy Sections* 1 to 20) Your Duty of Disclosure
* you will not have cover under certain Policy Sections while travelling in New Zealand – see ‘Geographical Regions' pages 6 to 7 for details. When you apply for insurance or alter this policy, you have a duty at law, to disclose to us all material facts. You must disclose all material facts to Understanding your Policy and its important
us as soon as you become aware of them. A material fact is one that may terms and conditions
influence a prudent insurer in deciding whether or not to accept the To properly understand this policy's significant features, benefits and cover and, if so, on what terms and conditions and for what premium.
risks you need to carefully read: Examples of information you may need to disclose include: • "How to Purchase this Policy" (pages 4 to 5) – this contains • anything that increases the risk of an insurance claim; important information on who can purchase the policy, age limits • any criminal conviction subject to the Criminal Convictions (Clean and the choice of plans and cover types available to you; • The benefit limits provided under each plan in the "Table of • if another insurer has cancelled or refused to insure or renew Benefits" (pages 8 to 10), when We will pay a claim under insurance, has imposed special terms, or refused any claim; each Policy Section applicable to the cover you choose ("Your Policy Cover" pages 27 to 45) and any endorsements under • any insurance claim or loss made or suffered in the past.
"Additional Options" (page 11) (remember certain words have These examples are a guide only. If there is any doubt as to whether special meanings - see "Words with Special Meanings" pages a particular piece of information needs to be disclosed, this should be referred to us.
• "Important Matters" (pages 19 to 23) - this contains important information on applicable Excesses, the period of cover and If you fail to comply with your Duty of Disclosure, we are entitled to extensions of cover, the cooling-off period, confirmation of cover, avoid this policy retrospectively from the beginning. You will not be our privacy notice and dispute resolution process, when you insured under this policy at all.
can choose your own doctor, when you should contact Allianz Global Assistance concerning 24 hour medical assistance, Overseas About your premium
hospitalisation or medical evacuation, and more; You will be told the premium payable for the policy when you apply. • When We will not pay a claim under each Policy Section applicable It is based on a number of factors such as your destination(s), length to the cover you choose ("Your Policy Cover" pages 27 to 45) of Journey, number of persons covered, your age, the plan and any and "General Exclusions Applicable to all Sections" pages 46 additional options selected.
to 48 (this restricts the cover and benefits); and Your premium also includes amounts that take into account our How to Purchase this Policy obligation to pay any relevant compulsory government charges, taxes or levies (for example, Stamp Duty and GST) in relation to your Policy. These amounts are included on your Certificate of Insurance as part of the total Refer to ‘Who can purchase this policy?' Refer to ‘Age limits' Read the 'Pre-existing Medical Conditions' Even after you have purchased your Policy, you have cooling-off rights (see "Important Matters" page 19 for details).
Nominate the applicable Geographical Region for your Journey (Plans A, C & D) Who is your Insurer?
Select your plan (A, B, C or D) This policy is underwritten by Allianz Australia Insurance Limited Nominate the duration of your Journey ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand, Level 1, 152 Fanshawe Street, Auckland 1010, New Zealand. Select any 'Additional Options' you would Who is Allianz Global Assistance?
Obtain a quote / apply for a policy (refer Allianz Global Assistance is a trading name of AGA Assistance Australia to contact details) Pty Ltd ABN 52 097 227 177 (Incorporated in Australia). Allianz Global Assistance has been authorised by Allianz to enter into the policy and Who can purchase this policy?
deal with and settle any claims under it as agent of Allianz, not as your Cover is only available if: agent. Allianz Global Assistance acts under a binder which means that it • you are a Resident of New Zealand; and can do these things as if it were the insurer. It administers all emergency assistance services and benefits of this insurance. You may contact Allianz • you purchase your Policy before you commence your Journey; and Global Assistance in an emergency 24 hours a day, 7 days a week.
• your Journey commences and ends in New Zealand.
Change of circumstances
Age limits
During the period of insurance, you must tell us immediately of any Age limits are as at the date of issue of your Certificate of Insurance.
material change in the circumstances surrounding the subject matter of No cover is available to travellers aged 86 years and over.
this insurance that: • increase the risk we are insuring, or - available to travellers 85 years of age and under.
• alter the nature of the risk we are insuring. Once you have told us, we may immediately change the terms of this - available to travellers 70 years of age and under.
policy, or cancel it. If you fail to tell us, we may apply these changes retrospectively from the date you ought to have reasonably told us. Your choices
Under this policy, you choose the cover you require based on your travel arrangements. Whether you choose: The preparation date of this Policy Wording is 7 November 2013.
• Single, Duo or Family cover• Plan A, B, C or D depends on the type of cover you want and are eligible to purchase.
Cover types
Geographical Regions Plan B (New Zealand Only) You can choose one of the following cover types (not applicable for Plan The Geographical Region is fixed at Region 1 - Domestic. Cover for D - Frequent Traveller - International): Geographical Region any loss you suffer must occur in New Zealand. There is no cover for Single – covers you and your Dependants travelling with you. stopovers in a higher Geographical Region.
USA, Hawaii, Canada, Africa, South Plan D (Frequent Traveller - International) Duo – covers you and your Travelling Companion. Duo cover does not America and Middle East provide cover for Dependants. We issue one Certificate of Insurance, You must nominate the applicable Geographical Region for your however, you are both covered as if you are each insured under Journey. Please note if you are travelling to Region 2, 3, 4 or 5 you will separate policies with Single benefit limits per insured person.
have cover for all four Regions. If you are travelling to Region 6, you will have cover for all destinations listed under Regions 2 to 6.
Family – covers you and the members of your Family travelling with you. The benefit limits for Family cover apply to the total of all claims Under Plan D, you will only have cover under Policy Sections 1, 4, 5, 7, combined, regardless of the number of persons the claims relate to. South-west Pacific, Papua New Guinea, 12, 14, 16, 17 & 19 while you are travelling in New Zealand (destination Bali and Norfolk Island must be a minimum of 250 km from Home).
Travel on cruise liners
If you are travelling on a cruise liner and will spend more than 48 hours outside Region 3 – Pacific, you must select the Geographical Region that gives you the correct cover. For example, you must select Region 6 - Worldwide if you are spending more than 48 hours in Region 6 to Plan A (Comprehensive) and Plan C (Budget) ensure cover is available for a loss under your Policy.
You must nominate the applicable Geographical Region for your Travellers on domestic cruises in New Zealand waters may also purchase Journey. Please note these plans are designed for travel Overseas, Plan A (selecting Region 3 – Pacific) to ensure cover is available for however, you will have cover for certain Policy Sections while travelling emergency medical assistance and emergency medical and Hospital in New Zealand – see below for details. Please contact us if there is any expenses. If you do not purchase Plan A, you will not have cover for uncertainty as to which Geographical Region applies.
medical transfer or evacuation (for example, by helicopter) if you need to If you are travelling to multiple destinations which are in different be transported to the nearest Hospital for emergency medical treatment.
Geographical Regions, you must select the highest Geographical Region (Region 6 being the highest Geographical Region, 1 the lowest), as this will cover travel in each of the lower Geographical Regions.
Example:If you are travelling to Bali, Philippines and Europe, you must select Region 5 - Europe. You will then have cover for all destinations listed under Regions 5, 4, 3 & 2.
Cover for any loss you suffer must occur in the Geographical Region (or any lower Geographical Region) you have selected. However, stopovers of 2 nights in a higher Geographical Region outside of your selected Geographical Region are permitted.
Example: If you are travelling to Bali (and have accordingly selected Region 3 - Pacific), you will have cover for all destinations listed under Region 3, as well as up to 2 nights in any destination under Regions 4, 5 & 6.
Under Plan A, you will only have cover under Policy Sections 1, 4, 5, 7, 12, 14, 16, 17 & 19 while you are travelling in New Zealand (destination must be a minimum of 250 km from Home).
Under Plan C, you will only have cover under Policy Section 16 while you are travelling in New Zealand (destination must be a minimum of 250 km from Home).
TABLE OF BENEFITS
Please Note: This Table of Benefits is a summary only. Each Plan is subject to exclusions, limits, terms and conditions. Please read the policy wording carefully to ensure it meets your needs. Worldcare Comprehensive Worldcare New Zealand Only Worldcare Budget Cover Worldcare Frequent Traveller - International POLICY SECTION & BENEFIT TYPE Policy Limit
*1 Cancellation Fees and Lost Deposits
• 12 month policy *2 Overseas Emergency Medical Assistance
• Unlimited number of Journeys 3 Overseas Emergency Medical and Hospital
• Maximum period for any one Journey is 37 days for leisure Dental Expenses (per person) travel or 90 days for business travel. 4 Continuing Medical Expenses on return to
A Journey can be made up of New Zealand (per person) business and/or leisure travel *5 Additional Expenses
(with the leisure component *6 Hospital Cash Allowance
being up to 37 days), however, the whole Journey cannot *7 Accidental Death
exceed a total of 90 days.
*8 Permanent Disability
• Benefit limits and sub-limits *9 Loss of Income
reinstated on the completion of each Journey except for 10 Travel Documents, Transaction Cards and
Policy Section 16 (Personal Travellers Cheques Liability) - the amount shown 11 Theft of Cash
in the "Table of Benefits" is the *12 Luggage and Personal Effects
most we will pay for all claims combined under Policy Section *13 Luggage and Personal Effects Delay
16 for the 12 month policy – Between 12 and 72 hours • Accompanying spouse/de facto – After 72 hours and Dependant children/ *14 Travel Delay Expenses
grandchildren are covered under this policy provided 15 Alternative Transport Expenses
they are travelling with you 16 Personal Liability
for 100% of the Journey. *17 Rental Vehicle Excess
Additional premium may apply.
• Not available for travellers *18 Domestic Pets
aged 71 years and over.
*19 Domestic Services
*20 Return Airfare
All benefit limits and Excesses throughout this Policy Wording are in New Zealand Dollars (NZD). * refer to the "Your Policy Cover" section of this Policy Wording for details on sub-limits (pages 27 to 45). there is no cover under these Policy Sections while travelling in New Zealand - refer to the "Your Policy Cover" section of this Policy Wording for details (pages 27 to 45) Additional Options Pre-existing Medical In any event we will not pay medical expenses for: • regular antenatal care Specified Luggage and Personal Effects Cover
• childbirth at any gestation• care of the newborn child This insurance policy provides cover for unforseen medical events only. Please read through this section to find the corresponding definition • "specified items" refers to Luggage and Personal Effects that have Not all Pre-existing Medical Conditions are covered under the policy. to your fertility treatment or pregnancy condition. Where cover for been listed as covered on your Certificate of Insurance with a Please read this entire section carefully, especially the definition of certain pregnancy conditions is shown as being available if you pay an nominated sum insured "Pre-existing Medical Condition".
additional premium, cover is available under Plans A & B only.
"unspecified items" refers to Luggage and Personal Effects that What is a Pre-existing Medical Condition?
have not been specifically listed on your Certificate of Insurance "Pre-existing Medical Condition" means: Fertility Treatment No cover is available The maximum amount we will pay for all claims combined under Policy a] an ongoing medical or dental condition of which you are aware, a) You are not yet pregnant, however Cover is not available under any Section 12 (Luggage and Personal Effects) is shown under the "Table of you are undergoing fertility plan for this treatment or any or related complication you have, or the symptoms of which you Benefits" pages 8 to 10 for the plan you have selected.
treatment, now or before your resulting pregnancy Journey commences Additional cover can be purchased for specified items up to a total b] a medical or dental condition that is currently being, or has been, amount of $5,000 by paying an additional premium at the time your No cover is available investigated or treated by a health professional (including dentist Certificate of Insurance is issued.
or chiropractor) at any time in the past, prior to policy purchase; b) You have a multiple pregnancy, Cover is not available under You cannot purchase specified cover for jewellery. There is no cover for which arises from services or c] any condition for which you take prescribed medicine; bicycles or watercraft (other than surfboards) under the policy. These treatment associated with an d] any condition for which you have had surgery; assisted reproduction program items must not be specified and cover will not be provided for them.
e] any condition for which you see a medical specialist; or including but not limited to in vitro Depreciation and the standard item limits under Policy Section 12.1 b] will not apply to these specified items. Your nominated limit for f] pregnancy. Refer to step 1 for outline of cover. c) You have experienced any Cover is not available under ‘Specified Luggage and Personal Effects Cover' will be shown on your The above definition applies to you, your Travelling Companion, a pregnancy complications* prior to Certificate of Insurance. Receipts and/or valuations must be provided in Relative, or any other person.
your policy being issued the event of a claim. How do I obtain cover for my Pre-existing Medical
Cover is only available Specified Luggage and Personal Effects Cover is not available under by paying an additional This section outlines a 4 step screening process for Pre-existing Medical Removal of standard excess
d) You have a single pregnancy under a Pre-existing Medical without any complications*, which Condition plan for Journeys You can remove the standard Excess on Plans A, C & D by paying an arises from services or treatment ending on or before the 23rd additional premium.
Excluded medical conditions associated with an assisted week of your pregnancy This additional option does not apply to Plan B.
reproduction program including but Medical conditions automatically covered (some not limited to in vitro fertilisation restrictions apply to this step) e) You have a multiple pregnancy under a Pre-existing Medical All other medical conditions not listed in steps 1 to 3 without any complications*, which Condition plan for Journeys does not arise from services or ending on or before the 19th Step 1 - Pregnancy
treatment associated with an week of your pregnancy assisted reproduction program This step outlines the cover available for medical expenses, cancellation including but not limited to in vitro costs or additional expenses arising from, or related to, pregnancy under the following Policy Sections: Cover is available - Section 1: Cancellation Fees and Lost Deposits f) You have a single pregnancy without under all plans for Journeys - Section 2: Overseas Emergency Medical Assistance any complications*, which did not ending on or before the 23rd - Section 3: Overseas Emergency Medical and Hospital Expenses arise from services or treatment week of your pregnancy (including Dental Expenses) associated with an assisted reproduction program including but - Section 4: Continuing Medical Expenses on return to New Zealand not limited to in vitro fertilisation - Section 5: Additional Expenses * Complications are defined as "any secondary diagnosis occurring - Section 6: Hospital Cash Allowance prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome". Step 2 - Excluded conditions
Part B – Circumstances where there is no cover whatsoever: This step is in 2 parts.
10. Any mental illness as defined by DSM-IV including: 1. You have been given a terminal prognosis for any condition with a Part A is a list of Pre-existing Medical Conditions for which there is no a) Dementia, depression, anxiety, stress or other nervous life expectancy of under 24 months cover for medical expenses, cancellation costs or additional expenses 2. You require home oxygen therapy or you will require oxygen for arising from or related to these particular conditions.
b) Behavioural diagnoses such as but not limited to autism; or Part B is a list of circumstances for which cover for medical expenses, c) A therapeutic or illicit drug or alcohol addiction 3. You have Chronic Renal Failure treated by haemodialysis or cancellation costs or additional expenses is automatically excluded. 11. Any new Deep Vein Thrombosis (DVT) or Pulmonary Embolism (PE), peritoneal dialysis If any of these apply to you, we will not cover you under the following if you have been diagnosed with one of these clots in the past, 4. You have been diagnosed with congestive heart failure and do not take preventative measures (as prescribed by a medical 5. Any AIDS-defining illness or any condition associated with practitioner) for this Journey - Section 1: Cancellation Fees and Lost Deposits 12. Any Heart or Cardiovascular Disease (CVD) if you have ever needed 6. You have had, or are on a waiting list for, an organ transplant - Section 2: Overseas Emergency Medical Assistance to see a specialist cardiologist, or been diagnosed with a form of 7. You take a blood-thinning prescription medication such as Warfarin - Section 3: Overseas Emergency and Hospital Expenses (including CVD such as (but not limited to): (also known under the brand names Coumadin, Jantoven, Marevan, - Section 4: Continuing Medical Expenses on return to New Zealand • Angina (chest pain) Step 3 - Medical conditions automatically covered (some
- Section 5: Additional Expenses (applies to 'We will pay' a] & b] only) • Cardiomyopathy restrictions will apply within this step) - Section 6: Hospital Cash Allowance • Cerebrovascular Accident (stroke) You automatically have cover if your Pre-existing Medical Condition is This means that we will not pay: • Disturbances in heart rhythm (cardiac arrhythmias) described below, provided that you have not been hospitalised (including day surgery or emergency department attendance) • Your medical expenses whatsoever • Previous heart surgery (including valve replacements, bypass for that condition in the past 24 months. If hospitalisation has occurred, • Your evacuation or repatriation to New Zealand • Myocardial Infarction (heart attack) cover is available if you pay an additional premium under step 4 (Plans • Your trip cancellation or rearrangement costs • Transient Ischaemic Attack (TIA) A & B only).
• Any additional or out of pocket expenses (including additional travel and accommodation expenses) Medical conditions involving the heart and blood vessels are 1. Asthma – providing that you: a) were diagnosed over 12 collectively called cardiovascular disease (CVD). All such conditions a) have no other lung Part A – Pre-existing Medical Conditions: are interrelated. You will not have cover for any claims relating to b) have no eye, kidney, nerve 1. Any type of cancer that you have previously been diagnosed with, the heart/cardiovascular system (including heart attacks and strokes) or vascular complications, or secondaries from that cancer b) are less than 50 years if there is any history of any form of CVD. All CVD is excluded from of age at the date of 2. Any condition for which surgery/treatment procedure is planned, c) do not also suffer from including any fertility treatment 13. Any Chronic Lung Disease, its exacerbation, or new airways 2. *Diabetes Mellitus (Type I) – a known cardiovascular 3. Any condition which arises from signs or symptoms that you are infections, if you have ever been diagnosed with a Chronic Lung disease, hypertension, currently aware of, but: Disease (including, but not limited to): a) were diagnosed over 12 hyperlipidaemia or a) You have not yet sought a medical opinion regarding the cause; or b) You are currently under investigation to define a diagnosis; or • Chronic Bronchitis, b) have no eye, kidney, nerve 4. *Hypercholesterolaemia (High c) You are awaiting specialist opinion • Bronchiectasis, or vascular complications, Cholesterol) – provided you do not also suffer from a 4. Any condition for which you have been hospitalised (including day • Chronic Obstructive Airways Disease (COAD), known cardiovascular disease surgery) or attended the emergency department in the last 24 • Chronic Obstructive Pulmonary Disease (COPD), c) do not also suffer from months unless specified in step 3 • Pulmonary Fibrosis, or a known cardiovascular 5. *Hyperlipidaemia (High Blood 5. Any condition for which you have ever required spinal or brain • Asthma (in persons over 60 years of age) disease, hypertension, Lipids) - provided you do not * "Immunosuppressive Therapy" means drugs prescribed to inhibit or hyperlipidaemia or also suffer from a known 6. Any condition which has caused a seizure in the past 12 months prevent activity of the immune system. Clinically, they are used to: cardiovascular disease 7. Any Chronic or recurring pain (including back pain) requiring - prevent the rejection of transplanted organs and tissues (e.g. bone regular medication or other ongoing treatment such as marrow, heart, kidney, liver) d) are under 50 years 6. *Hypertension (High Blood physiotherapy or chiropractic treatment - treat autoimmune diseases or diseases that are most likely of of age at the date of autoimmune origin (e.g. Rheumatoid Arthritis, Myasthenia Gravis, Pressure) – provided you do 8. Any condition that requires ongoing treatment with Systemic Lupus Erythematosus, Crohn's Disease and Ulcerative Colitis) not also suffer from a known immunosuppressant therapy* (e.g. Arthritis, Colitis, Chronic 3. *Diabetes Mellitus (Type II) – - treat some other non-autoimmune inflammatory diseases (e.g. long cardiovascular disease Respiratory Disease) term Allergic Asthma control and other Respiratory Diseases) 24. Hypothyroidism, including Please Note: You will not have cover for any claim you make which 8. Allergies, limited to Rhinitis, Hashimoto's Disease arises from a Pre-existing Medical Condition suffered by you if you Chronic Sinusitis, Eczema, 25. Impaired Glucose Tolerance decide not to pay the additional premium for your Pre-existing Medical Food Intolerance, Hay Fever Condition before you commence your Journey as outlined above. 27. Insulin Resistance No cover is available under Plans C or D for any Pre-existing Medical 10. Benign Positional Vertigo Conditions, except as specified under: 28. Iron Deficiency Anaemia • pregnancy condition f) in the table under step 1, provided your 29. Macular Degeneration Journey ends on or before the 23rd week of your pregnancy; or 12. Carpal Tunnel Syndrome 30. Meniere's Disease • step 3, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in 14. Coeliac Disease 32. Nocturnal Cramps the past 24 months.
15. Congenital Blindness 33. Pernicious Anaemia 16. Congenital Deafness 34. Plantar Fasciitis 17. Dry Eye Syndrome 35. Raynaud's Disease 18. Folate Deficiency 19. Gastric Reflux 37. Solar Keratosis 38. Trigeminal Neuralgia 39. Trigger Finger 22. Graves' Disease 40. Vitamin B12 Deficiency 23. Hiatus Hernia * Diabetes (Type I and Type II) , Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is also excluded. Step 4 - all other medical conditions not listed in
steps 1 to 3
Provided your Pre-existing Medical Condition is not listed under:
• a), b), c) or f) of the table under step 1• step 2; or• step 3 or your Pre-existing Medical Condition is: • pregnancy condition d) in the table under step 1, provided your Journey ends on or before the 23rd week of your pregnancy; • pregnancy condition e) in the table under step 1, provided your Journey ends on or before the 19th week of your pregnancy; or • a condition listed in step 3 where you have been hospitalised (including day surgery or emergency department attendance) for that condition in the past 24 months, you may purchase cover for your Pre-existing Medical Condition under Plans A or B, provided you pay the additional premium at the time you purchase your Policy.
Important Matters Extensions of cover are not available: • for any Pre-existing Medical Condition, unless it is listed under Under your Policy there are rights and responsibilities which you and we Step 3 on pages 16 to 17, and you have not been hospitalised have. You must read this Policy Wording in full for more details, but here (including day surgery or emergency department attendance) for are some you should be aware of: that condition in the past 24 months; or Period of cover
• for conditions you suffered during the term of your original Policy; or You are not covered until we issue a Certificate of Insurance. That • where you have not advised us of any circumstances that have Certificate forms part of your Policy. The period you are insured for is set given (or may give rise) to a claim under your original Policy; or out on the Certificate. However: • where, at the time of extension, you are aged 72 years or over; or • The cover for cancellation fees and lost deposits (Policy Section 1) • under Plan D.
begins from the time the policy is issued.
Confirmation of cover
• Cover for all other Policy Sections begins on the date of departure To confirm any policy transaction (if the Certificate of Insurance does not (Start Date) as stated on the Certificate of Insurance.
have all the information you require) call us using the contact details on • Cover ends when you return to your Home, or on the date of return the back cover of this Policy Wording.
set out on your Certificate of Insurance, whichever happens first.
Jurisdiction and choice of law
The maximum period of cover for any one Journey under Plan D (Frequent Traveller - International) cannot exceed a total of 90 days. A Journey can This policy is governed by and construed in accordance with the law of be made up of business and/or leisure travel (with the leisure component New Zealand and you agree to submit to the exclusive jurisdiction of being up to 37 days).
the courts of New Zealand. You agree that it is your intention that this 'Jurisdiction and Choice of Law' clause applies.
Fair Insurance Code
If you decide that you do not want this policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and Policy Allianz supports the principles of the Fair Insurance Code. The purpose Wording. You will be given a full refund of the premium you paid, of this Code is to increase the standards of practice and service within provided you have not started your Journey and you do not want to the insurance industry. Brochures on the Code are available from make a claim or to exercise any other right under the policy.
After this period you can still cancel your Policy but we will not refund False Statements and Fraud
any part of your premium if you do.
Your policy is based on the information supplied to us by you or on Extension of cover
your behalf. All statements made by you or on your behalf at the time of application, in support of this policy, on any claim form or in support You may extend your cover free of charge if you find that your return to of any claim, must be true and correct. If you take any action or make New Zealand has been delayed because of one or more of the following: any statement in connection with this policy or any claim made under • a bus line, airline, shipping line or rail authority you are travelling it, which is fraudulent in any way or which is supported by untrue on, or that has accepted your fare or Luggage and Personal Effects, or incorrect information, we are entitled to avoid this policy and all benefits under it will be forfeited.
• the delay is due to a reason for which you can claim under your Policy, (subject to our written approval).
Dispute resolution process
If the delay is for any other reason, we must receive your request to In this section, "we", "our" and "us" means Allianz and Allianz Global extend cover at least 7 days before your original Policy expires if you send your request by post. All other requests to extend cover must be If you have a complaint or dispute in relation to this insurance, or our received by us prior to your original Policy expiry date. Cover will be services or our representatives, please call us on 0800 555 094, or put the extended subject to our written approval and your payment of the complaint in writing and send it to The Dispute Resolution Department, additional premium.
PO Box 112316, Penrose, Auckland 1642, New Zealand. We will attempt Where we have agreed to extend cover, we will issue you with a new to resolve the matter in accordance with our Internal Dispute Resolution Certificate of Insurance. The period of cover on your new Certificate process. To obtain a copy of our procedures, please contact us. cannot exceed 12 months – this applies to all plans.
A dispute can be referred to the Financial Services Complaints (FSCL), subject to its terms of reference. The FSCL provides a free and independent dispute resolution service for consumers who have general products or may not be able to process your application nor issue you insurance disputes falling within its terms. The contact details for the with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why.
Financial Services Complaints Ltd (FSCL) Overseas hospitalisation or medical evacuation
Freephone: 0800 347 257 For emergency assistance anywhere in the world at any time, Allianz Telephone: +64 (04) 472 3725 Global Assistance is only a telephone call away. The team will help with Fax: +64 (04) 472 3728 medical problems, locating nearest medical facilities, your evacuation Post : PO Box 5967, Lambton Quay, Wellington 6145, New Zealand Home, locating nearest embassies and consulates, as well as keeping you Email: info@fscl.org.nz in touch with your family and work in an emergency.
If you are hospitalised you, or a member of your travelling party, MUST To arrange and manage your travel insurance, we (in this Privacy Notice contact Allianz Global Assistance as soon as possible. If you do not, then "we", "our" and "us" includes Allianz Global Assistance and its agents to the extent permissible by law, we will not pay for these expenses or and distributors) collect personal information from you and others for any evacuation or airfares that have not been approved or arranged (including those authorised by you such as your doctors, Hospitals and by Allianz Global Assistance.
persons whom we consider necessary).
If you are not hospitalised but you are being treated as an outpatient Any personal information provided to us is used by us to evaluate and and the total cost of such treatment will exceed $2,000 you MUST arrange your travel insurance. We also use it to administer and provide contact Allianz Global Assistance.
the insurance services and manage your and our rights and obligations You can choose your own doctor
in relation to those insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for You are free to choose your own Medical Adviser or we can appoint an product development, marketing, research, IT systems maintenance and approved Medical Adviser to see you, unless you are treated under a development, recovery against third parties and for other purposes with Reciprocal Health Agreement.
your consent.
You must, however, advise Allianz Global Assistance of your admittance This personal information may be disclosed to third parties in New to Hospital or your early return to New Zealand based on written Zealand or outside New Zealand involved in the above process, such medical advice.
as travel consultants, travel insurance providers and intermediaries, If you do not get the medical treatment you expect, Allianz Global agents, distributors, reinsurers, claims handlers and investigators, cost Assistance can assist you but neither Allianz nor Allianz Global containment providers, medical and health service providers, legal and Assistance are liable for anything that results from that.
other professional advisers, your agents and our related companies. When you provide personal information about other individuals, we and our agents rely on you to have made or make them aware: • that you will or may provide their personal information to us; We will deduct the standard Excess from claims arising from any • of the types of third parties to whom the personal information one event under the following Policy Sections. Refer to the "Table may be provided to; of Benefits" (pages 8 to 10) for details of which Policy Sections are available under each plan.
• of the relevant purposes we and the third parties we will disclose it to, will use it for; and • Section 1 - Cancellation Fees and Lost Deposits • of how they can access it.
• Section 3 - Overseas Emergency Medical and Hospital Expenses We rely on you to have obtained their consent on these matters. If you • Section 4 - Continuing Medical Expenses on return to New do not, you must tell us or our agents before you provide the relevant • Section 10 - Travel Documents, Transaction Cards and Travellers You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of • Section 11 - Theft of Cash others unless you have been authorised by their express consent or • Section 12 - Luggage and Personal Effects otherwise under law, or unless they are your dependants under 16 years.
• Section 16 - Personal Liability If you do not agree to the above or will not provide us with personal • Section 17 - Rental Vehicle Excess information, we may not be able to provide you with our services or A NIL Excess applies to all other Policy Sections.
You can remove the standard Excess by paying an additional premium Words with Special (see "Additional Options" page 11).
Plan B A NIL Excess applies to all other Policy Sections. Refer to the Table of Some words and phrases used in this Policy Wording have a Benefits (pages 8 to 10) for details of which Policy Sections are available special meaning. When these words and phrases are used, they under Plan B.
have the meaning set out below.
If any additional Excess applies to your Policy, the amount is shown on "AICD/ICD" means an implantable cardioverter-defibrillator (ICD), also the Certificate of Insurance, or advised to you in writing before the known as an automated implantable cardioverter-defibrillator (AICD).
Certificate is issued to you.
"arise", "arises" or "arising" means directly or indirectly arising from or in any way connected with.
Safeguarding your Luggage and Personal Effects
"Carrier" means an aircraft, vehicle, train, vessel or other public You must take all reasonable precautions to safeguard your Luggage transport operated under a licence for the purpose of transporting and Personal Effects. If you leave your Luggage and Personal Effects passengers. This definition excludes taxis.
Unsupervised in a Public Place we will not pay your claim.
"Chronic" means a persistent and lasting condition in medicine. We For an explanation of what we mean by "Luggage and Personal do not consider that chronic pain has to be ‘constant' pain. In many Effects", "Unsupervised" and "Public Place" see pages 25 to 26.
situations it has a pattern of relapse and remission. The pain may In the event of a claim
be long-lasting, recurrent (occurred on more than 2 occasions) or Immediate notice should be given to Allianz Global Assistance (see characterised by long suffering.
contact details on the back cover of this Policy Wording).
"Concealed Storage Compartment" means a boot, trunk, glove box, Please Note: For claims purposes, evidence of the value of the property enclosed centre console, or concealed cargo area of a sedan, station insured or the amount of any loss must be kept.
wagon, hatchback, van or motorhome.
"Dependant" means your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on We will process your claim within 10 business days of receiving a the Journey.
completed claim form and all necessary documentation. If we need "DSM" means The Diagnostic and Statistical Manual of Mental additional information, a written notification will be sent to you within Disorders. It is an American handbook for mental health professionals 10 business days.
that lists different categories of mental disorders and the criteria for diagnosing them.
"Epidemic" means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.
"Excess" means the amount which you must first pay for each claim arising from the one event before a claim can be made under your Policy.
"Family" means you, your spouse (or legally recognised de facto) and your Dependants.
"Home" means the place where you normally live in New Zealand.
"Hospital" means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.
"Injure", "Injured" or "Injury" means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, Sickness or disease.
"Journey" means your journey from the time when you leave your Home to go directly to the place you depart from on your travels, and ends when you return to your Home.
"Luggage and Personal Effects" means any personal items owned "Relative" means any of the following who is under 85 years of age by you and that you take with you, or buy, on your Journey and which and who is resident in New Zealand or Australia. It means your or your are designed to be worn or carried about with you. This includes items Travelling Companion's spouse, de facto partner, parent, parent-in-law, of clothing, personal jewellery, photographic and video equipment daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in- or personal computers, or electrical devices or portable equipment. law, sister-in-law, grandchild, grandparent, step-parent, step-son, step- However, it does not mean any business samples or items that you daughter, fiancé or fiancée, or guardian.
intend to trade.
"Rental Vehicle" means a campervan/motorhome that does not "Medical Adviser" means a qualified doctor of medicine or dentist exceed 4.5 tonne, a sedan, hatchback or stationwagon, four wheel registered in the place where you receive the services.
drive or mini bus/people mover rented from a licensed motor vehicle "Moped" or "Scooter" means any two-wheeled or threewheeled rental company.
motor vehicle with an engine displacement of not greater than 50cc.
"Resident of New Zealand" means someone who is a permanent "Motorcycle" means any two-wheeled or three-wheeled motor vehicle resident of New Zealand.
with an engine displacement greater than 50cc.
"Sick" or "Sickness" means a medical condition, not being an Injury, "Open Water Sailing" means sailing more than 10 nautical miles off which first occurs during your period of cover.
any land mass.
"Travelling Companion" means a person with whom you have made "Overseas" means in any country other than New Zealand.
arrangements before your Policy was issued, to travel with you for at least 75% of your Journey.
"Pandemic" means a form of an Epidemic that extends throughout an entire continent, even the entire human race.
"Unsupervised" means leaving your Luggage and Personal Effects: "Policy" means your travel insurance policy with us covering you and • with a person who is not named on your Certificate of Insurance is made up of this Policy Wording, your Certificate of Insurance and any or who is not a Travelling companion or who is not a Relative; other document we tell you forms part of this policy. Together these • with a person who is named on your Certificate of Insurance or documents make up your contract with us.
who is a Travelling companion or who is a Relative but who fails to "Pre-existing Medical Condition" means: keep your Luggage and Personal Effects under close supervision; a] an ongoing medical or dental condition of which you are aware, • where they can be taken without your knowledge; or or related complication you have, or the symptoms of which you • at such a distance from you that you are unable to prevent it being taken.
b] a medical or dental condition that is currently being, or has been, "we", "our" and "us" means Allianz Australia Insurance Limited.
investigated or treated by a health professional (including dentist "you" and "your" in your policy means the person(s) whose name(s) or chiropractor) at any time in the past, prior to policy purchase; are set out on your Certificate of Insurance, and if you have Single or c] any condition for which you take prescribed medicine; Family cover, your Dependants.
d] any condition for which you had surgery;e] any condition for which you have seen a medical specialist; orf] pregnancy.
This definition applies to you, your Travelling Companion, a Relative or any other person.
"Public Place" means any place that the public has access to, including but not limited to planes, trains, trams, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, shops, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas.
"Reasonable" means, for medical or dental expenses, the standard level of care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your Journey or, as determined by us.
Your Policy Cover 1.2 We Will Not Pay
a] We will not pay if you were aware of any reason, before your This part of the Policy Wording outlines what We will pay and period of cover commenced, that may cause your Journey to be what We will not pay under each Policy Section in the event of cancelled, abandoned or shortened. Nor will we pay if your cancellation fees or lost deposits arise because: b] of the death, Injury or Sickness of your Relative arising from a 1 CANCELLATION FEES AND LOST DEPOSITS Pre-existing Medical Condition, except as specified under Policy You only have this cover if you chose Plan A, B or D.
Section 1.1 d].
1.1 We Will Pay
c] of you or your Travelling Companion changing plans.
a] We will pay your cancellation fees and lost deposits for travel and d] of any business, financial or contractual obligations. This exclusion accommodation arrangements that you have paid in advance and does not apply to claims where you or your Travelling Companion cannot recover in any other way if your Journey is cancelled or are made redundant from full-time employment in New Zealand, shortened at any time through circumstances neither expected provided you or they were not aware that the redundancy was to nor intended by you and outside your control.
occur before you purchased your Policy.
b] We will reimburse travel agent's cancellation fees up to $1,500 e] of a tour operator or wholesaler being unable to complete for Single cover, $1,500 per person for Duo cover or $3,000 for arrangements for any tour because there were not enough Family cover. However, we will not pay more than the level of people to go on the tour.
commission or service fees normally earned by the agent, had f] of delays or rescheduling by a bus line, airline, shipping line or your Journey not been cancelled. Documentary evidence of the rail authority.
travel agent's lost commission or service fees is required.
g] of the financial collapse of any transport, tour or accommodation c] We will pay you for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following h] of the mechanical breakdown of any means of transport.
cancellation of that airline ticket, if you cannot recover the lost i] of an act or threat of terrorism.
points from any other source. The cancellation must be due to j] of the death, Injury or Sickness of any person who resides outside unforeseen circumstances outside of your control. of New Zealand or Australia.
We calculate the amount we pay you as follows: k] you are a full time permanent employee and your pre-arranged • the cost of an equivalent class airline ticket based on the leave is cancelled by your employer unless you are a full time quoted retail price at the time the ticket was issued, less your member of the New Zealand Defence Force or emergency services.
financial contribution toward the airline ticket; YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
• the total number of points lost 2 OVERSEAS EMERGENCY MEDICAL ASSISTANCE divided by the total number of points used to obtain the ticket.
You only have this cover if you chose Plan A, C or D.
d] If you cancel or shorten your Journey because a Relative of yours is Note: You will not have cover under this Policy Section while hospitalised in New Zealand or Australia, or dies in New Zealand travelling in New Zealand.
or Australia after the policy is issued, as a result of a Pre-existing Medical Condition, we will not cover you unless at the time Allianz Global Assistance will help you with any Overseas medical of policy issue, you were unaware of the likelihood of such emergency (see "Overseas hospitalisation or medical evacuation" on hospitalisation or death. However, the most we will pay under page 22). You may contact them at any time 7 days a week.
this Policy Section is as follows: 2.1 Allianz Global Assistance will arrange for the following
• $2,000 for Single cover assistance services if you Injure yourself Overseas or
become Sick while Overseas:
• $2,000 per person for Duo cover a] access to a Medical Adviser for emergency medical treatment • $4,000 for Family cover while Overseas.
The maximum amount we will pay for all claims combined under b] any messages which need to be passed on to your family or this Section is shown under the Table of Benefits for the plan you have selected.
employer in the case of an emergency.
c] provision of any written guarantees for payment of Reasonable expenses for emergency hospitalisation while Overseas.
d] your medical transfer or evacuation if you must be transported to b] We will also pay the cost of emergency dental treatment up to a the nearest Hospital for emergency medical treatment Overseas maximum amount of $500 per person per Journey for dental costs or be brought back to New Zealand with appropriate medical incurred which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and natural teeth.
e] the return to New Zealand of your Dependants if they are left Please note that we will not pay for any costs incured in New without supervision following your hospitalisation or evacuation.
If you die as a result of an Injury or a Sickness during your Journey, The maximum amount we will pay for all claims combined under we will pay for the Reasonable cost of either a funeral or cremation this Section is shown under the Table of Benefits for the plan you Overseas and/or of bringing your remains back to your Home. The have selected.
maximum amount we will pay is $15,000 per person.
3.2 We Will Not Pay
Please note that we will not pay for any costs incurred in New a] for expenses arising from Pre-existing Medical Conditions except The maximum amount we will pay for all claims combined under as specified under the "Pre-existing Medical Conditions" this Section is shown under the Table of Benefits for the plan you section on pages 12 to 18.
have selected.
b] when you have not notified Allianz Global Assistance as soon as 2.2 We Will Not Pay
practicable of your admittance to Hospital.
a] We will not pay for any expenses for medical evacuation, funeral c] for expenses after 2 weeks treatment by a chiropractor, services or cremation or bringing your remains back to New Zealand physiotherapist or dentist unless approved by Allianz Global unless it has been first approved by Allianz Global Assistance.
b] We will not pay if you decline to promptly follow the medical d] if you do not take the advice of Allianz Global Assistance.
advice we have obtained and we will not be responsible for e] If you have received medical care under a Reciprocal National subsequent medical, Hospital or evacuation expenses.
Health Scheme. Reciprocal Health Agreements are currently in c] We will not pay for medical evacuation or the transportation of place with Australia and United Kingdom.
your remains from New Zealand to an Overseas country.
f] for damage to dentures, dental prostheses, bridges or crowns.
YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
g] for dental treatment involving the use of precious metals or for cosmetic dentistry.
3 OVERSEAS EMERGENCY MEDICAL AND YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS HOSPITAL EXPENSES PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
You only have this cover if you chose Plan A, C or D.
4 CONTINUING MEDICAL EXPENSES ON RETURN Note: You will not have cover under this Policy Section while travelling in New Zealand.
You only have this cover if you chose Plan A, C or D.
3.1 We Will Pay
4.1 We Will Pay
a] We will reimburse the Reasonable medical or Hospital expenses We will reimburse up to $1,500 per person for continuing registered you incur until you get back to New Zealand if you Injure yourself medical, surgical and Hospital treatment upon your return to New Overseas, or become Sick there. The medical or Hospital expenses Zealand. This treatment must be provided in a public Hospital, where must have been incurred on the advice of a Medical Adviser. You must make every effort to keep your medical or Hospital expenses However, if you did not receive any medical, surgical and/or Hospital If we determine that you should return home to New Zealand for treatment prior to your return to New Zealand, you must seek your treatment and you do not agree to do so, then we will pay you the treatment within 72 hours of your arrival in New Zealand. amount which we determine would cover your medical expenses In the event of an Injury, you must register with ACC (Accident and/or related costs had you agreed to our recommendation. Rehabilitation & Compensation Insurance Corporation) on your return You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for.
The maximum amount we will pay for all claims combined under We will only pay for treatment received and/or Hospital this Section is shown under the Table of Benefits for the plan you accommodation during the 12 month period after the Sickness have selected.
first showed itself or the Injury happened.
4.2 We Will Not Pay
d] We will reimburse you for airfares for you to return to the place We will not pay for expenses: you were when your Journey was interrupted, if you return to a] arising from Pre-existing Medical Conditions except as specified your Home because: under the "Pre-existing Medical Conditions" section - see • during your Journey, a Relative of yours dies unexpectedly or pages 12 to 18.
is hospitalised following a serious Injury or a Sickness (except b] when you have not notified Allianz Global Assistance as soon as arising from a Pre-existing Medical Condition); and practicable of your admittance to Hospital.
• it is possible for your Journey to be resumed; and c] after 2 weeks treatment by a chiropractor or physiotherapist • there are more than 14 days remaining of the period of cover, unless approved by Allianz Global Assistance.
as noted on your Certificate of Insurance; and d] if you do not take the advice of Allianz Global Assistance.
• you resume your Journey within 12 months of your return to e] if you have received medical care in New Zealand when public care or treatment is available.
The most we will pay for all events under this benefit is as follows: YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS • $3,000 for Single cover PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
• $3,000 per person for Duo cover 5 ADDITIONAL EXPENSES • $6,000 for Family cover e] If, as a result of a Pre-existing Medical Condition, a Relative You only have this cover if you chose Plan A, B or D.
of yours is hospitalised in New Zealand or Australia, or dies in 5.1 We Will Pay
New Zealand or Australia after the policy is issued, and at the a] We will reimburse any Reasonable additional accommodation time of policy issue you were unaware of the likelihood of and travel expenses if you cannot travel because of an Injury such hospitalisation or death, we will pay for the Reasonable or Sickness which needs immediate treatment from a Medical additional cost of your return to New Zealand and/or the cost Adviser who certifies that you are unfit to travel.
of airfares for you to return to the place you were when your We will also reimburse your Reasonable additional accommodation Journey was interrupted. and travel expenses for you to be with your Travelling Companion The most we will pay for all events under this benefit is: if he or she cannot continue their Journey for the same reason.
• $2,000 for Single cover In addition, we will also reimburse the Reasonable accommodation • $2,000 per person for Duo cover and travel expenses of your Travelling Companion or a Relative • $4,000 for Family cover to travel to you, stay near you or escort you, if you are in Hospital suffering from a life threatening or other serious condition, or are f] In addition, we will reimburse your Reasonable additional travel evacuated for medical reasons. He or she must travel, stay with and accommodation expenses if a disruption to your Journey you or escort you on the written advice of a Medical Adviser and arises from the following reasons: with the prior approval of Allianz Global Assistance.
• your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil b] If you shorten your Journey and return to New Zealand on the protest, weather or natural disaster.
written advice of a Medical Adviser approved by Allianz Global Assistance, we will reimburse the Reasonable cost of your return • you unknowingly break any quarantine rule.
to New Zealand. We will only pay the cost of the fare class that • you lose your passport, travel documents or credit cards or you had planned to travel at and you must take advantage of any they are stolen.
pre-arranged return travel to New Zealand.
• an accident involving your mode of transport. You must have c] If, during your Journey, your Travelling Companion or a Relative written confirmation of the accident from an official body in of either of you: the country where the accident happened.
• dies unexpectedly; • your Home is rendered uninhabitable by fire, explosion, • is disabled by an Injury; or earthquake or flood.
• becomes seriously Sick and requires hospitalisation If you do not have a return ticket booked to New Zealand before you (except arising out of a Pre-existing Medical Condition), we will were Injured or became Sick, we will reduce the amount of your claim reimburse the Reasonable additional cost of your return to New by the price of the fare to New Zealand from the place you planned to Zealand. We will only pay the cost of the fare class you had return to New Zealand from. The fare will be at the same fare class as planned to travel at.
the one you left New Zealand on. Wherever claims are made by you under this Policy Section and Policy equipment owned by you, for which a claim has been accepted Section 1 (Cancellation Fees and Lost Deposits) for cancelled services/ by us under Policy Section 12 (Luggage and Personal Effects); or facilities or alternative arrangements for the same or similar services/ • the misdirection or delay, for a period of more than 24 hours, facilities, we will pay for the higher of the two amounts, not both.
of ski and/or golf equipment owned by you.
WE WILL ALSO PAY FOR THE FOLLOWING REASONS:
The maximum amount we will pay for all claims combined g] We will pay for either: under this benefit is $200 for Single cover, $200 per person • the cost of transport to the nearest resort; or for Duo cover or $400 for Family cover.
• the cost of additional ski passes j] We will pay for your prepaid travel and accommodation that you if, as a result of insufficient snow, bad weather or power failure in do not use, less any refunds due to you, if you want to cancel your pre-booked holiday resort, all lift systems are closed for more your Journey and return Home after the scheduled transport than 24 hours.
service on which you are travelling is hijacked.
We will pay you $1,000 for each 24 hour period. The 1. We will not pay for any claims relating to ski resorts that do not maximum amount we will pay for all claims combined under this benefit is $2,000 for Single cover, $2,000 per have skiing facilities greater than 1,000 metres above sea level.
person for Duo cover or $4,000 for Family cover.
2. We will not pay for any claims arising outside the period 15 December to 31 March in Northern Hemisphere resorts, and The maximum amount we will pay for all claims combined under 15 June to 30 September in Southern Hemisphere resorts.
this Section is shown under the Table of Benefits for the plan you have selected.
We will pay a daily benefit of $100 for Single cover, $100 per person for Duo cover, or $200 for Family cover. The 5.2 We Will Not Pay
maximum amount we will pay for all claims combined is $500 for Single cover, $500 per person for Duo cover or a] if you were aware of any reason, before your period of cover $1,000 for Family cover.
commenced, that may cause your Journey to be cancelled, h] We will reimburse you the irrecoverable cost of the unused disrupted or delayed.
portion, for each insured person, if you are unable to utilise: b] if the death, Injury or Sickness of your Relative arises from a • the full duration of your pre-booked and pre-paid ski passes, Pre-existing Medical Condition, except as specified under Policy ski hire, tuition fees or lift passes as a result of your Injury or Section 5.1 e].
Sickness during your Journey; and/or c] if you can claim your additional travel and accommodation • golf equipment hire, green fees and golfing tuition costs as a expenses from anyone else.
result of your Injury or Sickness during your Journey. d] if your claim relates to the financial collapse of any transport, tour You must obtain a medical certificate from a Medical Adviser in or accommodation provider.
support of your claim for your Injury or Sickness.
e] for delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest or 1. We will not pay if you engage in off-piste skiing, bobsleighing, natural disaster.
snow rafting, para-penting, heli-skiing, ski acrobatics, ski f] if you operate a Rental Vehicle in violation of the rental or snowboard jumping, aerial skiing, stunting, freestyle, ski joreing, and any form of power-assisted skiing or use of mechanised snow-mobiles except as provided by the g] as a result of you or your Travelling Companion changing plans.
recognised piste authorities for transport to and from areas YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS designed for recreational skiing.
PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
2. We will not pay for any claims arising outside the period 15 6 HOSPITAL CASH ALLOWANCE December to 31 March in Northern Hemisphere resorts, and 15 June to 30 September in Southern Hemisphere resorts.
You only have this cover if you chose Plan A or D.
The maximum amount we will pay for all claims combined Note: You will not have cover under this Policy Section while under this benefit is $200 for Single cover, $200 per person travelling in New Zealand.
for Duo cover or $400 for Family cover.
6.1 We Will Pay
i] We will reimburse you for the costs of hiring alternative ski and/or We will pay you $50 for each day you are in Hospital if you are in golf equipment following: Hospital for more than 48 continuous hours while you are Overseas. • accidental loss, theft of, or damage to ski and/or golf The maximum amount we will pay for all claims combined under The amount we will pay for the permanent disability of any one this Section is shown under the Table of Benefits for the plan you accompanying Dependant is $5,000.
have selected.
The limit for the permanent disability of one person, who is not an 6.2 We Will Not Pay
accompanying Dependant, is shown in the Table of Benefits for the a] We will not pay for the first 48 continuous hours you are in plan selected.
The maximum amount we will pay for all claims combined under b] We will not pay if you cannot claim for Overseas medical this Section is shown under the Table of Benefits for the plan you expenses in Policy Section 3 (Overseas Emergency Medical and have selected.
8.2 We Will Not Pay
YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
PAGES 46 TO 48 FOR REASONS WHY WE WILL NOT PAY.
7 ACCIDENTAL DEATH You only have this cover if you chose Plan A, B or D.
You only have this cover if you chose Plan A or D.
7.1 We Will Pay
Note: You will not have cover under this Policy Section while We will pay the death benefit to the estate of the deceased, if: travelling in New Zealand.
a] you are Injured during your Journey and you die because of that 9.1 We Will Pay
Injury within 12 months of the Injury; or If you are Injured during your Journey and become disabled within 30 b] during your Journey, something you are travelling on disappears, days because of the Injury, and the disablement continues for more than sinks or crashes and you are presumed dead and your body is not 30 days after your return to New Zealand, we will pay you $400 per person found within 12 months.
per week for a period of up to 26 weeks. We will only pay if you cannot The amount we will pay for the death of any one accompanying do your normal or suitable alternative work and you lose all your income.
Dependant is $5,000. The maximum amount we will pay for all claims combined under The limit for the death of one person, who is not an accompanying this Section is shown under the Table of Benefits for the plan you Dependant, is shown in the Table of Benefits for the plan selected.
have selected.
The maximum amount we will pay for all claims combined under 9.2 We Will Not Pay
this Section is shown under the Table of Benefits for the plan you a] We will not pay for the first 30 days of your disablement from the have selected.
time you return to New Zealand.
7.2 We Will Not Pay
b] We will not pay for the loss of income of Dependants.
YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR REASONS WHY WE WILL NOT PAY.
PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
8 PERMANENT DISABILITY 10 TRAVEL DOCUMENTS, TRANSACTION CARDS You only have this cover if you chose Plan A or D.
AND TRAVELLERS CHEQUES Note: You will not have cover under this Policy Section while You only have this cover if you chose Plan A or D.
travelling in New Zealand.
Note: You will not have cover under this Policy Section while 8.1 We Will Pay
travelling in New Zealand.
Cover under this section is provided subject to the following: • you are Injured during your Journey; and If your essential travel documents/credit cards/debit cards/travel money cards/travellers cheques are lost or stolen you must report • because of the Injury, become permanently disabled within 12 the loss or theft as soon as possible and no later than within 24 months of the Injury.
hours to the police and, in the case of credit cards, debit cards, 'Permanently disabled' means: travel money cards and travellers cheques, to the issuing bank • you have totally lost all of the sight in one or both eyes, or the use or company in accordance with the conditions under which the of a hand or foot at or above the wrist or ankle; and credit cards, debit cards, travel money cards or travellers cheques • the loss is for at least 12 months and, in our opinion after were issued. You must prove that you made such a report by consultation with an appropriate medical specialist, will continue providing us with a written statement from whosoever you 10.1 We Will Pay
b] We will not pay if the cash, bank notes, currency notes, postal a] If any essential travel documents (including passports), credit orders or money orders were not on your person at the time they cards, debit cards, travel money cards or travellers cheques are lost were stolen.
by you, stolen from you or destroyed during your Journey, then YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS we will pay the issuer's fees for the replacement costs (including PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
communication costs) of the items lost, stolen or destroyed.
b] If during your Journey, your credit card, debit card, travel money 12 LUGGAGE AND PERSONAL EFFECTS card or travellers cheques are lost or stolen, then we will pay for You only have this cover if you chose Plan A, B or D.
any loss resulting from the fraudulent use of the credit card, debit Please Note: for the purpose of this Section: card, travel money card or travellers cheques. • "specified items" refers to Luggage and Personal Effects that have The maximum amount we will pay for all claims combined under been listed as covered on your Certificate of Insurance with a this Section is shown under the Table of Benefits for the plan you nominated sum insured have selected.
"unspecified items" refers to Luggage and Personal Effects that 10.2 We Will Not Pay
have not been specifically listed on your Certificate of Insurance a] To the extent permissible by law we will not pay if you do not 12.1 We Will Pay
report the loss or theft within 24 hours to the police and, in the a] We will pay the repair cost, or value of any Luggage and Personal case of credit cards, debit cards, travel money cards or travellers Effects which, during the Journey, are stolen or accidentally cheques, to the issuing bank or company in accordance with the damaged or are permanently lost. When calculating the amount conditions under which the credit cards, debit cards, travel money payable we will apply depreciation due to age, wear and tear. cards or travellers cheques were issued. You must prove that you The amount of such depreciation will be determined by us. No made such report by providing us with a written statement from depreciation will be applied to goods purchased duty free prior to whosoever you reported it to.
your departure, or goods purchased during your Journey. b] We will not pay for any amounts covered by any guarantee given We will not pay more than the original purchase price of any by the bank or issuing company to you as the holder of the credit item. We have the option to repair or replace the Luggage and card, debit card, travel money card or travellers cheques.
Personal Effects instead of paying you.
YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
b] The maximum amount we will pay for any item (ie. item limit) is: • $3,000 for personal computers, video recorders or cameras • $1,000 for mobile phones (including PDAs and any items with You only have this cover if you chose Plan A or D.
phone capabilities) Note: You will not have cover under this Policy Section while • $750 for all other unspecified items travelling in New Zealand.
A pair or related set of items, for example (but not limited to): 11.1 We Will Pay
• a camera, lenses (attached or not), tripod and accessories; We will pay for cash, bank notes, currency notes, postal orders or money • a matched or unmatched set of golf clubs, golf bag and orders stolen from your person.
The maximum amount we will pay for all claims combined under • a matching pair of earrings, this Section is shown under the Table of Benefits for the plan you are considered as only one item for the purpose of this insurance, have selected.
and the appropriate single item limit will be applied.
11.2 We Will Not Pay
c] In addition to the limit shown in the Table of Benefits for this a] To the extent permissible by law, we will not pay if you do not Policy Section, we will also pay up to a maximum of $5,000 (or report the theft within 24 hours to the police or an office of the such other lower amount which you have previously selected) bus line, airline, shipping line or rail authority you were travelling for all items combined, that you have specified under 'Specified on when the theft occurred. You can prove that you made a Luggage and Personal Effects Cover' and paid an additional report by providing us with a written statement from whoever premium for. The standard item limits shown in b] above do not you reported it to.
apply to the specified items listed on your Certificate of Insurance.
d] Luggage and Personal Effects left in a motor vehicle are only i] the loss or damage arises from ordinary wear and tear, covered during daylight hours and must have been left in a deterioration, atmospheric or weather conditions, insects, rodents Concealed Storage Compartment of a locked motor vehicle, and forced entry must have been made. j] the Luggage and Personal Effects were left Unsupervised in a The most we will pay if your Luggage and Personal Effects are Public Place.
stolen from a Concealed Storage Compartment of an unoccupied k] the Luggage and Personal Effects were left unattended in a locked motor vehicle during daylight hours is $200 for each motor vehicle, unless they were left in a Concealed Storage item and $2,000 in total for all stolen items, even if you have Compartment of a locked motor vehicle.
purchased 'Specified Luggage and Personal Effects Cover'. l] the Luggage and Personal Effects were left overnight in a No cover applies if Luggage and Personal Effects are left motor vehicle, even if they were left in a Concealed Storage unattended in the passenger compartment of a motor vehicle, Compartment of a locked motor vehicle.
or if the Luggage and Personal Effects have been left in a motor m] the Luggage and Personal Effects have an electrical or vehicle overnight. The maximum amount we will pay for all claims combined under n] the Luggage and Personal Effects are fragile, brittle or an this Section is shown under the Table of Benefits for the plan you electronic component is broken or scratched – unless either: have selected.
• it is the lens of spectacles, binoculars or photographic or video We will also pay up to the limits(s) shown on your Certificate of Insurance for any additional cover purchased under 'Specified Luggage and Personal Effects Cover', up to a maximum of $5,000.
• the breakage or scratch was caused by a crash involving a vehicle in which you are travelling.
12.2 We Will Not Pay
o] you are entitled to be reimbursed by the bus line, airline, shipping To the extent permissible by law, we will not pay a claim in relation to line or rail authority you were travelling on when the loss, your Luggage and Personal Effects if: theft, misplacement or damage occurred. However, if you are a] you do not report the loss, theft, damage or misplacement within not reimbursed the full amount of your claim, we will pay the 24 hours of discovery to the police or an appropriate authority difference between the amount of your loss and what you such as - but not limited to - the airline, accommodation manager, were reimbursed, up to the limit of your cover (allowing for transport provider, airport authority, tour operator or guide you depreciation due to age, wear and tear).
were travelling on when the loss, theft, damage or misplacement p] The loss or damage is to, or of, sporting equipment while in use occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.
YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS b] your jewellery, mobile phone, camera, video camera, personal PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
computer, computer equipment or their accessories are checked in to be held and transported in the cargo hold of any aircraft, ship, 13 LUGGAGE AND PERSONAL EFFECTS DELAY train, tram or bus (including any loss from the point of check-in until receipt of the said goods).
You only have this cover if you chose Plan A or D.
c] the loss, theft of or damage is to, or of, bicycles.
NOTE: You will not have cover under this Policy Section while d] The loss, theft of or damage is to, or of, cash, bank notes, travelling in New Zealand.
currency notes, cheques or negotiable instruments.
13.1 We Will Pay
e] the loss, theft or damage is to, or of, items left behind in any We will reimburse you, up to the amounts set out below for the plan hotel or motel room after you have checked out, or items left selected, if any items of your Luggage and Personal Effects are delayed, behind in any aircraft, ship, train, tram, taxi or bus.
misdirected or misplaced by the Carrier for more than 12 hours, and f] the loss, theft or damage is to, or of, watercraft of any type (other in our opinion it was reasonable for you to purchase essential items of than surfboards).
clothing or other personal items.
g] the Luggage and Personal Effects were being sent Your claim must contain written proof from the Carrier who was unaccompanied or under a freight contract.
responsible for your Luggage and Personal Effects that they were h] the loss or damage arises from any process of cleaning, repair or delayed, misdirected or misplaced. We will deduct any amount we pay you under this Policy Section for any subsequent claim for lost Luggage and Personal Effects (Policy Section 12).
The most we will pay for all events under this benefit is: 15 ALTERNATIVE TRANSPORT EXPENSES For delay/misdirection/misplacement between 12 and 72 You only have this cover if you chose Plan A or D.
Note: You will not have cover under this Policy Section while • $250 for Single cover under Plans A or D travelling in New Zealand.
• $250 per person for Duo cover under Plan A 15.1 We Will Pay
• $500 for Family cover under Plan A We will pay your Reasonable additional travel expenses to reach a For delay/misdirection/misplacement of more than 72 hours: wedding, funeral, conference, sporting event or prepaid travel/tour • $500 for Single cover under Plans A or D arrangements on time if your scheduled transport is cancelled, delayed, • $500 per person for Duo cover under Plan A shortened or diverted and that means you would not arrive on time.
• $1,000 for Family cover under Plan A The maximum amount we will pay for all claims combined under The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the plan you this Section is shown under the Table of Benefits for the plan you have selected.
have selected.
15.2 We Will Not Pay
13.2 We Will Not Pay
a] We will not pay if the cancellation, delay, shortening or diversion We will not pay if you are entitled to compensation from the bus line, of your scheduled transport arises from the financial collapse of air line, shipping line or rail authority you were travelling on for the any transport, tour or accommodation provider.
relevant amount claimed. However, if you are not reimbursed the b] We will not pay if your claim arises from an act or threat of full amount, we will pay the difference between the amount of your expenses and what you were reimbursed up to the limit of your cover.
YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
16 PERSONAL LIABILITY 14 TRAVEL DELAY EXPENSES You have this cover if you chose Plan A, B, C or D.
You only have this cover if you chose Plan A, B or D.
16.1 We Will Pay
14.1 We Will Pay
We will cover your legal liability for payment of compensation in We will reimburse the cost of your Reasonable additional meals and accommodation expenses if a delay to your Journey, for at least 6 hours, • death or bodily injury, and/or arises from circumstances outside your control.
• physical loss of or damage to, property, We will pay up to $200 at the end of the initial 6 hour period. In occurring during your Journey which is caused by an accident or a series addition, we will pay up to $200 for each full 24 hour period that the of accidents attributable to one source or originating cause.
delay continues beyond the initial 6 hour delay.
We will also reimburse your Reasonable legal expenses for settling or The maximum amount we will pay for all claims combined under defending the claim made against you.
this Section is shown under the Table of Benefits for the plan you You must not admit fault or liability for the claim, or incur any legal have selected.
costs without our prior written approval.
14.2 We Will Not Pay
The maximum amount we will pay for all claims combined under We will not pay if a delay to your Journey arises from any of the this Section is shown under the Table of Benefits for the plan you following reasons: have selected.
a] the financial collapse of any transport, tour or accommodation 16.2 We Will Not Pay
We will not pay for any amount you become legally liable to pay if the b] an act or threat of terrorism.
claim arises directly or indirectly from, or is in any way connected with, Nor will we pay if: c] you can claim your additional meals and accommodation a] bodily injury to you, your Travelling Companion, or to a Relative expenses from anyone else.
or employee of either of you; YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS b] damage to property belonging to you, or in your care or control, PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
or belonging to, or in the care or control of, your Relative, or your Travelling Companion, or to an employee of either of you; c] the ownership, custody or use of any aerial device, watercraft or c] without a licence for the purpose that you were using it.
mechanically propelled vehicle; YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS d] the conduct of a business, profession or trade; PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
e] any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or You only have this cover if you chose Plan A, B or D. fund, or under Workers' Compensation legislation, an industrial Note: You will not have cover under this Policy Section while award or agreement, or Accident Compensation legislation; travelling in New Zealand.
f] any fine, penalty or aggravated, punitive, exemplary or 18.1 We Will Pay
liquidated damages; We will reimburse you up to: g] disease that is transmitted by you; a] $25 for each 24 hour period in respect of additional kennel or h] any relief or recovery other than monetary amounts; boarding cattery fees for domestic dogs and cats owned by you if i] a contract that imposes on you a liability which you would not you are delayed beyond your original return date due to an event covered under this policy.
j] assault and/or battery committed by you or at your direction; or b] $500 if your pet suffers an Injury during your Journey and requires k] conduct intended to cause bodily injury, property damage or veterinary treatment, provided that at the time of the Injury, your liability with reckless disregard for the consequences of you or any pet was in the care of a Relative, friend or boarding kennel.
person acting with your knowledge, consent or connivance. The maximum amount we will pay for all claims combined under YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS this Section is shown under the Table of Benefits for the plan you PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
have selected.
18.1 We Will Not Pay
17 RENTAL VEHICLE EXCESS We will not pay any kennel or boarding cattery fees incurred outside of You only have this cover if you chose Plan A, B or D.
New Zealand.
17.1 We Will Pay
YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
a] We will reimburse the Rental Vehicle insurance excess or the cost of repairing the Rental Vehicle, whichever is the lesser, if, during 19 DOMESTIC SERVICES the Journey, the Rental Vehicle is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in You only have this cover if you chose Plan A, B or D.
your custody. You must provide a copy of the repair account 19.1 We Will Pay
and/or quote.
If you are Injured during your Journey and become disabled as a result This cover does not take the place of Rental Vehicle insurance and of the Injury and the disablement continues after your return to New only provides cover for the excess component up to the applicable Zealand, we will reimburse you up to $50 per day in respect of expenses incurred in the provision of housekeeping services that you are unable b] We will also pay up to $1,000 for the cost of returning your Rental to perform yourself.
Vehicle to the nearest depot if your attending Medical Adviser The maximum amount we will pay for all claims combined under certifies in writing that you are unfit to do so during your Journey.
this Section is shown under the Table of Benefits for the plan you The maximum amount we will pay for all claims combined under have selected.
this Section is shown under the Table of Benefits for the plan you 19.2 We Will Not Pay
have selected.
We will not pay if you do not have a medical certificate confirming your 17.2 We Will Not Pay
disablement and verifying the need for housekeeping services necessary We will not pay a claim involving the theft or damage to your Rental while disabled.
Vehicle if the claim arises from you operating or using the Rental Vehicle: YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
a] in violation of the rental agreement;b] while affected by alcohol or any other drug in a way that is against the law of the place you are in; or 20 RETURN AIRFARE General Exclusions You only have this cover if you chose Plan A or D. Applicable to all Sections Note: You will not have cover under this Policy Section while travelling in New Zealand.
We will not pay under any circumstances if:
20.1 We Will Pay
We will reimburse the cost of your original pre-paid airline ticket (less 1. You do not act in a responsible way to protect yourself and your any refunds due) if, because of an Injury or Sickness you suffer during property and to avoid making a claim.
your Journey, the attending Medical Adviser approved by us, requires 2. You do not do everything you can to reduce your loss as much you to be brought back to New Zealand with a medical escort. as possible.
However, we will only pay you if you are brought back to New Zealand 3. Your claim is for consequential loss of any kind, including loss of enjoyment.
• there are more than 5 days or 25% (whichever is the greater) 4. At the time of purchasing the policy, you were aware of something of the period of cover as noted on your Certificate of Insurance that would give rise to you making a claim under this policy.
5. Your claim is for a loss which is recoverable by compensation • you have been confined to Hospital Overseas for more than 25% under the Accident Compensation Scheme, any other workers of the period of cover as noted on your Certificate of Insurance.
compensation or transport accident laws or by any government The maximum amount we will pay for all claims combined under sponsored fund, plan, or medical benefit scheme, or any other this Section is shown under the Table of Benefits for the plan you similar type legislation required to be effected by or under a law.
have selected.
6. Your claim arises directly or indirectly from, or is in any way 20.2 We Will Not Pay
connected with, you engaging in manual work in conjunction We will not pay if: with any profession, business or trade during your Journey. For the a] the Injury or Sickness occurred before you departed New Zealand.
purpose of this exclusion, manual work includes: b] we pay your claim for the cancellation of your original airline • the use of plant, machinery, or power tools, ticket under Policy Section 1 (Cancellation Fees and Lost Deposits).
• work in the building trades, security, professional sports, YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS emergency services, extracting, manufacturing, forestry, alcohol PAGES 46 TO 48 FOR OTHER REASONS WHY WE WILL NOT PAY.
or entertainment industries, or • working at sea or as aircrew.
7. Your claim arises from errors or omissions in any booking arrangements or failure to obtain relevant visa, passport or travel documents.
8. Your claim arises because you act illegally or break any government prohibition or regulation including visa requirements.
9. Your claim arises from a government authority confiscating, detaining or destroying anything.
10. Your claim arises from being in control of a Motorcycle without a current New Zealand motorcycle licence or you are a passenger travelling on a Motorcycle that is in the control of a person who does not hold a current motorcycle licence valid for the country you are travelling in.
11. Your claim arises from being in control of a Moped or Scooter without a current New Zealand motorcycle or drivers licence or you are a passenger travelling on a Moped or Scooter that is in the control of a person who does not hold a current motorcycle or drivers licence valid for the country you are travelling in.
12. Your claim arises from, is related to or associated with: 24. Your claim involves the cost of medication in use at the time the • an actual or likely Epidemic or Pandemic; or Journey began, or the cost for maintaining a course of treatment • the threat of an Epidemic or Pandemic. you were on prior to the Journey.
Refer to www.who.int and www.safetravel.govt.nz for further 25. Your claim arises from or is in any way related to depression, information on Epidemics and Pandemics.
anxiety, stress, mental or nervous conditions.
26. Your claim arises from suicide or attempted suicide.
13. Your claim arises because you did not follow advice in the mass media or any government or other official body's warning: 27. Your claim arises from a sexually transmitted disease.
• against travel to a particular country or parts of a country; or 28. You were under the influence of any intoxicating liquor or drugs, except a drug prescribed to you by a Medical Adviser, and taken in • of a strike, riot, bad weather, civil protest or contagious disease accordance with their instructions.
(including an Epidemic or Pandemic); 29. Your claim arises from, is related to, or associated with, elective and you did not take appropriate action to avoid or minimise any surgery or treatment.
potential claim under your Policy (including delay of travel to the country or part of the country referred to in the warning). 30. Your claim arises, or is a consequence of complications from medical, surgical or dental procedures or treatments that are not for an Refer to www.who.int and www.safetravel.govt.nz for further Injury or Sickness that would otherwise be covered by this policy.
31. Despite their advice otherwise following your call to Allianz Global 14. Your claim arises from any act of war, whether war is declared or Assistance, you received private Hospital or medical treatment not, or from any rebellion, revolution, insurrection or taking of where public funded services or care is available in New Zealand or power by the military.
under any Reciprocal Health Agreement between the Government 15. Your claim arises from a nuclear reaction or contamination from of New Zealand and the government of any other country.
nuclear weapons or radioactivity.
32. Your claim arises from any medical procedures in relation to 16. Your claim arises from biological and/or chemical materials, AICD/ICD insertion during Overseas travel. If you, your Travelling substances, compounds or the like used directly or indirectly for the Companion or a Relative (as listed on your Certificate of Insurance) purpose to harm or to destroy human life and/or create public fear.
requires this procedure, due to sudden and acute onset which occurs for the first time during your period of cover and not directly 17. Your claim arises directly or indirectly from, or is any way connected or indirectly related to a Pre-existing Medical Condition, we will with, any Pre-existing Medical Condition, except as provided under exercise our right to organise a repatriation to New Zealand for this the section "Pre-existing Medical Conditions" (pages 12 to 18), procedure to be completed.
Policy Section 1.1 d] (page 27), and Policy Section 5.1 e] (page 32).
33. Your claim arises from or is any way related to the death or 18. You take a blood-thinning prescription medication such as Warfarin hospitalisation of any person aged 85 years and over, regardless of (also known under the brand names Coumadin, Jantoven, Marevan, the country in which they may live.
Sports and Leisure
19. Your claim is in respect of travel booked or undertaken against the 34. Your claim arises because you hunt, race (other than on foot), advice of any Medical Adviser.
engage in Open Water Sailing, play polo, go mountaineering or 20. You arrange to travel when you know of circumstances that may rock climbing using ropes or climbing equipment (other than for lead to your Journey being disrupted or cancelled.
hiking), or from professional sport of any kind, or from parachuting 21. Your claim arises from any Injury or Sickness where a metastatic or or hang gliding.
terminal prognosis was made prior to the issue of the Certificate 35. Your claim arises because you dive underwater using an artificial of Insurance.
breathing apparatus, unless you hold an open water diving licence 22. Your claim arises out of pregnancy, childbirth or related issued in New Zealand or you were diving under licensed instruction.
complications, except as specified under step 1 of the section 36. Your claim arises from travel in any air supported device other than "Pre-existing Medical Conditions" on pages 12 to 13.
as a passenger in a fully licensed aircraft operated by an airline 23. Your claim involves a Hospital where you are being treated or charter company. This exclusion does not apply to regulated or for addiction to drugs or alcohol, or are using it as a nursing, convalescent or rehabilitation place.
If you can claim from anyone else, we will only
make up the difference
How to make a claim
If you can make a claim against someone in relation to a loss or expense covered under this policy and you do not get paid the full amount of your You must give us notice of your claim as soon as possible by calling us claim, we will make up the difference. You must claim from them first.
on 0800 555 094. If there is a delay in claim notification, or you do not provide us with sufficient detail to process your claim, we can reduce your claim by the amount of prejudice we have suffered because of the delay.
If any loss, damage or liability covered under this policy is covered You must give us any information we reasonably ask for to support by another insurance policy, you must give us details. We will only your claim at your expense, such as but not limited to police reports, make any payment under this policy once the other insurance policy valuations, medical reports, original receipts or proof of ownership. If is exhausted. If we have paid your claim in full first, we may seek required we may ask you to provide us with translations into English of contribution from your other insurer. You must give us any information such documents to enable us to carry out our assessment of your claim.
we reasonably ask for to help us make a claim from your other insurer.
You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may We may, at our discretion undertake in your name and on your reasonably require.
behalf, control and settlement of proceedings for our own benefit to a] For medical, Hospital or dental claims, contact Allianz Global recover compensation or secure indemnity from any party in respect Assistance as soon as practicable.
of anything covered by this policy. You are to assist and permit to be b] For loss or theft of your Luggage and Personal Effects, report it done, all acts and things as required by us for the purpose of recovering immediately to the police and obtain a written notice of your report.
compensation or securing indemnity from other parties to which we c] For damage or misplacement of your Luggage and Personal may become entitled or subrogated, upon us paying your claim under Effects, caused by the airline or any other operator or this policy regardless of whether we have yet paid your claim and accommodation provider, report the damage or misplacement to whether or not the amount we pay you is less than full compensation an appropriate official and obtain a written report, including any for your loss. These rights exist regardless of whether your claim is paid offer of settlement that they may make.
under a non-indemnity or an indemnity clause of this policy.
d] Submit full details of any claim in writing within 30 days of your return.
We will apply any money we recover from someone else under a right Claims are payable in New Zealand Dollars to you
of subrogation in the following order: We will pay all claims in New Zealand dollars. We will pay you unless 1. to us, our administration and legal costs arising from the recovery.
you tell us to pay someone else. The rate of currency exchange that will 2. to us, an amount equal to the amount that we paid to you under apply is the rate at the time you incurred the expense.
3. to you, your uninsured loss (less your Excess).
4. to you, your Excess. Depreciation will be applied to claims for Luggage and Personal Effects Once we pay your total loss we will keep all money left over. at such rates as reasonably determined by us.
If we have paid your total loss and you receive a payment from You must not admit fault or liability
someone else for that loss or damage, you must pay us the amount of In relation to any claim under this policy you must not admit that you that payment up to the amount of the claim we paid you. are at fault, and you must not offer or promise to pay any money, or If we pay you for lost or damaged property and you later recover the become involved in litigation, without our approval.
property or it is replaced by a third party, you must pay us the amount of the claim we paid you.
You must help us to recover any money we
have paid
If we have a claim against someone in relation to the money we have to Insurance fraud places additional costs on honest policyholders. pay under this policy, you must do everything you can to help us do that Fraudulent claims force insurance premiums to rise. We encourage the in legal proceedings. If you are aware of any third party that you or we community to assist in the prevention of insurance fraud. may recover money from, you must inform us of such third party.
You can help by reporting insurance fraud by calling Allianz Global Assistance on +61 7 3305 8871. All information will be treated as confidential and protected to the full extent under law.
The internet is a great source of health information for travellers. For vaccination and health advice including information on disease outbreaks: www.cdc.gov OR www.who.int OR www.safetravel.govt.nz Before travel, consult your health professional
to discuss:
• Duration of travel • Style of travel • Past medical history • Pre-existing Conditions • Vaccination requirements • Disease prevention Tips for long distance travellers
• Do frequent leg exercise and take deep breaths regularly while • Drink plenty of non-alcoholic beverages to prevent dehydration.
The three R's of travel vaccination
Routine Vaccinations (childhood or adult vaccinations)

• Tetanus/diphtheria • Meningococcal Required Vaccinations
For instance when crossing international borders certain vaccinations
are required.
• Yellow Fever• Cholera• Meningococcal Recommended Vaccinations
There are some vaccinations recommended when travelling Overseas
specific to your destination. These may include:
• Poliomyelitis • Japanese Encephalitis Please see your doctor to identify your specific needs.

Source: https://www.worldcare.co.nz/pdf/policywording062014.pdf

endarabe.org.tn

Une nouvelle génération de femmes d'affaires conquiert le monde et l'Afrique. Elles sont diplômées, à la tête d'entreprises, elles gèrent des projets ambitieux, des budgets importants, des ressources humaines. Elles sont l'élite de la finance et de l'économie dans leur pays. Elles construisent une nouvelle image de la femme Working Girl et Business Woman.

complement-system.eu

The American Journal of Pathology, Vol. 176, No. 4, April 2010 Copyright © American Society for Investigative Pathology Cardiovascular, Pulmonary and Renal Pathology Therapeutic Targeting of Classical and LectinPathways of Complement Protects fromIschemia-Reperfusion-Induced Renal Damage Giuseppe Castellano,* Rita Melchiorre,* of classical and lectin pathways of complement in a