leisure travel - aa new zealand · 2016-06-27 · leisure travel. 2 baggage, personal effects and...

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It is important to give you the choice and flexibility in travel insurance that best suits your needs. We offer the following standard policy features: •Medicalandrepatriationexpenses•EmergencyAssistanceprovided24hours/7daysbyAllianzGlobalAssistancewithaworldwidenetworkofcompanies

•Replacementcoveronbaggageitemslessthan2yearsold•Freecoverfordependentchildrenunder21years•RentalVehicleexcesscover•RecreationalSportscoveredfreeofcharge:

LeisureskiingandsnowboardingScubadiving(withPADIorNAUIqualification)HotairballooningParasailingandparaglidingBungeejumpingWhite-waterraftingingrade4orlessrivers

Check out our other policy options:•PrivateHospitalcareoption•ExcessBuyoutoption•IncreasedcoverforSpecifiedHighValueItems•CivilUnrestinthePacificIslands•Terrorismcover•Automaticfreecoverforsomepre-existingmedicalconditions

IntroductionThisdocumentisourleisuretravelinsurancepolicywording.OurtopoftherangeComprehensivecoverprovidesawiderangeofbenefitsandsuperiorcoverwhileEssentialsandLossofDepositscoversprovidecheaperandmorebasiccoveragefortravellerswhowishtoreducepremiumcosts.

ThispolicyisunderwrittenbyAllianzAustraliaInsuranceLimitedABN15000122850(IncorporatedinAustralia)andadministeredbyAllianzGlobalAssistanceNewZealand,12–14NorthcroftSt,Takapuna,Auckland.EmergencyassistanceisprovidedbyAllianzGlobalAssistance.

What we will pay Inconsiderationofthepaymentofthepremium,weagreetoindemnifyyouinthemannerandtotheextentsetoutinthisdocument.

Thisdocument,thePolicyCertificate,applicationformandanywrittenconfirmationissuedbyusextendingorlimitingcoverformyourinsurancecontract.

WewillpayclaimsuptotheMaximumBenefitamountsshownintheScheduleofBenefits,dependingonwhetheryouhaveelectedtopurchasetheComprehensive,EssentialsorLossofDepositsPolicyOption.YourPolicyCertificatedetailsthetypeofcoveryouhavepurchased.ThepolicylimitsapplyperinsuredpersonandarestatedinNewZealandDollars.

Pleasereadthispolicywordingcarefullyandnotetheexclusionsineachsectionandalsothegeneralconditionsandexclusionsattheendofthepolicywordingtoensurethatyouunderstandthecoverprovidedbyus.

Ifyouneedanyclarificationonyourcoverorthepolicywordingpleasecontacteitheryourissuingagent,orourCustomerServiceCentreonTollFree0800 800 048

InsuredTheinsuredpersonunderthisinsurancepolicyis;

1. The“insuredperson”underthisinsurancepolicyisthepersonorpersonsnamedinthePolicyCertificatewhohavepaidtherequiredpremium.

2. Dependentchildrenunder21yearsofageorgrandchildrenunder21 yearsofageplusuptooneothernon-relateddependantchildunder21 yearsofagetravellingwithaninsuredpersonarecovered

freeofcharge.Theirpolicybenefitswillbesharedwithinthetravellinginsuredperson’spolicylimits.

Inthisdocument,theinsuredpersonisalsoreferredtoas“you”or“your”.

Period of insuranceYourpolicycommencesonceaPolicyCertificatehasbeenissuedtoyouandtherequiredpremiumispaid.LossofDepositscoverexpiresoncethefullJourneyhasbeenpaidfor.TheperiodofinsuranceforallotherPolicyOptionscontinuesuntiltheexpirydateshownonyourPolicyCertificateoruntilyoureturntoyournormalplaceofresidence,whicheveristheearlierdate.

ForfrequentflyerpoliciesyourpolicyisactivatedatthecommencementofeachJourneyundertakenintheperiodofinsurance.IfyouhavepurchasedafrequentflyerpolicyoptiontheneachJourneyiscovereduptoamaximumof60days.

ExcessAnexcess,asstatedinyourPolicyCertificate,willbedeductedfromoursettlementifyoumakeaclaim(unlessahigherexcesshasbeenimposedonyourcoverbyusandconfirmedtoyouinwriting).Theexcessappliesunderthispolicytoeachseparateeventgivingrisetoaclaim.TherewillbenoexcesschargedifyouhavepurchasedandpaidtheadditionalpremiumforaNoExcesspolicy.ThiswillbeshownonyourPolicyCertificate.

Important claims informationIfduringyourJourneyyouaretobehospitalised,requireevacuationorrepatriationservices,needtomakealternativetraveloraccommodationarrangementsorhavelostyourbaggageormoney,pleasenotifyusassoonaspossible.

Allclaimsmustbenotifiedassoonaspossibleandinanyeventnolaterthan30daysafterthecompletionoftheJourney.Ifyoudonotcontactusthismayaffecttheacceptanceorpaymentofyourclaim.

Weprovideourcustomerswitheasyaccesstoour24houremergencyassistanceservice.Asinglecallwillputyoudirectlyintouchwithadoctorortravelspecialistwhowillbeabletoassistyouandconfirmcoveravailableunderyourpolicy.Youwillbeadvisedofanystepsyouwillneedtofollowinclaimingunderyourpolicy.Youcancallcollectfromanywhereintheworldforemergencymedicalandtravelassistanceoruseoneofourtollfreenumbers:

Within New Zealand: 0800 486 686 Australia Toll Free: 1 800 554 114 UK Toll Free: 0500 893 893 USA Toll Free: 1 800 326 1543 Reverse charge call through telephone operator: +64 9 486 6868

Ifyourbaggage,personaleffectsormoneyarestolen,youmustnotifythelocalpoliceorlocalgovernmentauthoritywithin24hoursandyoumustobtainacopyoftheirincidentreport.Anylossordamagetopersonalbaggagewhilstinthecustodyofthecarriers(e.g.anairlineorbuscompany)mustbenotifiedtothemimmediatelyandapropertyirregularityreportobtained.

Youmustprovideuswithallreports,receipts,doctor’scertificates,informationandproofwereasonablyrequiretohelpsubstantiateanyclaim.

Pre-existing medical conditionsItisimportanttounderstandthatPre-existingmedicalconditionsmaynotbecoveredunderyourpolicy.CertainPre-existingmedicalconditionsarecoveredautomaticallywithincertaincriteriafortravellerswhoareinsuredundertheComprehensivePolicyonly.Coverforconditionsoutsideofthoselistedinsection2maybeavailablefollowinganonlinemedicalassessment.

PleasenotethatnocoverforPre-existingmedicalconditionsisavailableundertheEssentialsPolicyOption.

Ifyouhaveanyqueriesonthiscoveryoucancontactoursupportteamon0800800048.

Leisure Travel

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Baggage, Personal Effects And Money Benefits Maximum Benefits

Policy Option Comprehensive Essentials Loss Of Deposits

Personal Baggage – Total Limit $30,000 $5,000 NilBaggage – Item Limit $1,500 $750 NilElectronic, Video and Camera Equipment $2,500 $750 NilEmergency Baggage $1,500 $250 NilReplacement of Travel Documents $3,000 $500 NilMoney $500 Nil NilAdditional Expenses as a result of Terrorism $3,000 Nil Nil

Personal Liability Benefits Maximum Benefits


Rental Vehicle Excess $6,000 $1,000 NilPersonal Liability $2,500,000 $500,000 NilWrongful Arrest $10,000 Nil Nil

Schedule of BenefitsCancellation / Travel Disruption Benefits Maximum Benefits


Loss of Deposit/Cancellation Unlimited $5,000 $10,000Curtailment Unlimited $5,000 NilMissed Connection/Travel Delays $15,000 $500 NilFrequent Flyer Points $5,000 Nil NilStrikes/Hijacks $10,000 Nil NilResumption of Travel $10,000 Nil NilEvacuation – Civil Unrest in Pacific Islands $1,500 Nil NilAdditional Expenses/Terrorism $3,000 Nil Nil

Life Benefits Maximum Benefits


Funeral Expenses $25,000 $10,000 NilAccidental Death or Permanent Disablement $50,000 Nil NilAccidental Death Terrorism $25,000 Nil Nil

Medical Benefits Maximum Benefits


Medical Unlimited $250,000 NilMedical/Terrorism $250,000 Nil NilFollow on Treatment $2,000 Nil NilDental as a result of Injury $3,000 $500 NilEmergency Dental – Pain relief $1,000 Nil NilIncidental Hospital Expenses $4,000 Nil Nil

Accompanying Person Reasonable Costs Nil NilSearch & Rescue $20,000 Nil Nil

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Cancellation and Travel Disruption Benefits

BasedonthePolicyOptionshownonyourPolicyCertificateyouwillbeeligibleforeachCancellation/TravelDisruptionBenefituptotheMaximumBenefitshownintheabovetable.

IfyouhavepurchasedanEssentialsorLossofDepositsPolicyOption,thereareanumberofinstancesunderthissectionwherecoveriseitherreducedorunavailable.

YoumustadviseusassoonasyouareawareofanyhealthorothercircumstancesthatarelikelytoresultincancellationorcurtailmentofyourJourney.Ifyouwishtocontinuewithyourtravelarrangements,wearenotobligatedtocoverthischangeinyourhealthorcircumstances.

1a. Loss of Deposits (AllPolicyOptions)

IfpriortopaymentofthefinalamountpayableforyourJourneyyoumustcanceloramendyourtravelarrangementsduetoanyunforeseeablecircumstancebeyondyourcontrolwewillpayuptothePolicyOption’sMaximumBenefitforyourirrecoverabletravelandaccommodationdepositsorexpenses,whichhavebeenpaidinadvance.

Inrespectofacancellationfeechargedbyyourtravelagent,providedthetravelagenthasdisclosedtheircancellationfeestoyouinwritingatthetimeofmakingyourtravelarrangements,wewillalsopayyouuptoamaximumof10%ofyourtotaltravelcosts(thatwerepaidthroughthetravelagent)or$500peradult,whicheveristhelesser.

1b. Cancellation of Journey Paid in Full(ComprehensiveandEssentialsPolicyOptionsOnly)

Iffollowingfullpaymentofyourtrip,youhadtocanceloramendyourtravelarrangements,duetoanyunforeseeablecircumstancebeyondyourcontrol,wewillpayuptothePolicyOption’sMaximumBenefitforyourirrecoverabletravelandaccommodationexpenses,whichhavebeenpaidinadvance.

1c. Curtailment (ComprehensiveandEssentialsPolicyOptionsOnly)

IfyoucannotcompleteyourJourneyduetoanunforeseeablecircumstancebeyondyourcontrolandhavetoreturntoyourCountryofOriginearlierthanplanned,wewillpayuptothePolicyOption’sMaximumBenefitforreasonable,additionaltravelandaccommodationexpenses(necessarilyandactuallyincurredbyyou,inordertoreturntoyourCountryofOrigin)whichareadditionaltoyourplanneditineraryproviding,youalreadyholdapre-paidreturnticket.Theamountclaimablewillbelessanyamountsrefundableonunusedtravelvouchersortickets.

1d. Missed connection (ComprehensiveandEssentialsPolicyOptionsOnly)

Ifyourscheduledpublictransportserviceiscancelledorcurtailedduetoriot,strikeorcivilcommotion,naturaldisasterorsevereweatherconditions,oryoumissyourconnectingscheduledpublictransportserviceduetoanyunforeseeablecircumstancebeyondyourcontrolwewillpayuptotheMaximumBenefittheadditionalnecessaryandreasonabletravelandaccommodationexpenses,appropriatetotheJourneybeingundertakenthatyouincurtoarrangealternativetransporttoenableyoutomaintainyouroriginaltravelitinerary,providedthat:

i. therewasnowarningthatthecancellationmayoccur;

ii. youhavemadereasonableeffortstoavoidanyadditionalexpenses;and

iii. refundsonunusedticketsortravelvouchershavebeenappliedfor.

Ifthepurposeofyourtripistoattendaweddingorconference,wewillpaythereasonablealternativetravelcoststoyourplanneddestinationiftheconferenceorweddingcannotbedelayedsolelyduetoyourlatearrival.

Theamountclaimableunderthissectionwillbelessanyamountsrefundableforunusedticketsorvouchers.

1e. Travel delay (ComprehensivePolicyandEssentialsPolicyOptionsOnly)

Ifthedepartureofthescheduledpublictransportinwhichyouhavearrangedtotravelisdelayed,foratleast12hoursfromthetimespecified,duetoanyunforeseeablecircumstancebeyondyourcontrol,wewillpayforthereasonablemealandaccommodationexpensesnecessarilyincurredduetothedelay,whicharenotrecoverablefromanyothersource.

Writtenproofofdelayfromthetransportprovidermustbesubmittedtogetherwithreceiptsfortheextracostsincurred.

Note:Ifyourtravelplansaredisrupted,byaclaimableevent,aclaimcanonlybelodgedundereitherSections1b.CancellationofJourneyPaidinFull,1d.MissedConnectionor1e.Traveldelay,aseparateclaimisnotabletobemadeundereachsection.

1f. Frequent flyer points (ComprehensivePolicyOptionsOnly)

IfanairlinetickethasbeenpurchasedusingFrequentFlyerorasimilarAirPointsrewardssystem,andtheairlineticketiscancelledduetoanyunforeseencircumstancesbeyondyourcontrol,wewillpayuptothePolicyOption’sMaximumBenefit,theretailpriceforthatticketatthetimeitwasissued.Thiscoverisprovidedonlyintheeventthatthelossofpointscannotberecoveredfromanyothersource.Iftheairpointscompanychargesareinstatementfeethenthiscostwillbeclaimableunderyourpolicy.

1g. Resumption of travel (ComprehensivePolicyOptionOnly)

IfyouareforcedtoreturntoyourCountryofOriginduetotheseriousInjury,illness,diseaseordeathofaCloseRelativeinyourCountryofOrigin,wewillpayuptotheMaximumBenefitthereasonabletransportcostsactuallyincurredbyyoutoreturntoyourCountryofOriginandthenresumeyourpre-bookedtravelplansasperyouroriginalitinerary,providedthat:

i. theseriousInjury,illness,diseaseordeathofaCloseRelativeoccurredafteryourdeparturefromyourCountryofOriginandwasnotcausedbyaPre-existingmedicalcondition;

ii. theJourneywasatleast14days;

iii. youhadbeenawayforlessthan50%ofthedurationofyourJourney;

iv. youhavenotmadeaclaimunderSection1c.Curtailment;and

Section 1 Cancellation and Travel Disruption Benefits Maximum Benefits


Loss of Deposit/Cancellation Unlimited $5,000 $10,000Curtailment Unlimited $5,000 NilMissed Connection/Travel Delays $15,000 $500 NilFrequent Flyer Points $5,000 Nil NilStrikes/Hijacks $10,000 Nil NilResumption of Travel $10,000 Nil NilEvacuation – Civil Unrest in Pacific Islands $1,500 Nil NilAdditional Expenses/Terrorism $3,000 Nil Nil

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v. youheldareturnticketatthetimetheeventwhichhascausedyoutoreturntoyourCountryofOriginoccurred.

1h. Strikes and Hijacks (ComprehensivePolicyOptionOnly)

WewillpayuptothePolicyOption’sMaximumBenefitforirrecoverableadditionaltravelandaccommodationcosts,duetocancellationorcurtailmentofpublictransportservices,asaresultofastrikeorhi-jack.

1i. Evacuation – Civil unrest Pacific Islands(ComprehensivePolicyOptionOnly)

IntheeventthatyouareinthePacificIslandsandforyoursafetyyoumustevacuateforanyreason,notcoveredunderanyothersectionofthispolicy,wewillpayuptothePolicyOption’sMaximumBenefitinadditionalexpensesincurred.

1j. Additional expenses as a result of an Act of Terrorism(ComprehensivePolicyOptionOnly)

Sections1a.to1i.areextendedtoprovidecoverforthereasonableadditionalcostsincurred,whenyouoryourtravelarrangementsareaffecteddirectlyorinconnectionwithanyActofTerrorism.ProvidedthatanypaymentforanActofTerrorismwillbelimitedtoamaximumofNZ$3,000perinsuredpersonperperiodofinsurance.

Exclusions – applying to all Policy Options under Section 1Wewillnotpayforclaimsthatrelatetoloss,damage,liability,expensesorclaimsfororarisingdirectlyorindirectlyoutof:

1. yourdisinclinationtotravel,personalwishes,financialcircumstancesorbusinessreasons;

2. failuretocheckinatthecorrectdeparturetimeorclaimsresultingfromyoubeingastandbypassenger;

3. theseriousInjury,illness,diseaseordeathofanypersonwhoisnot:

i. You;or

ii. ApersontravellingwithyouonyourJourneyonwhosestateofhealththeJourneydepends;or

iii. ACloseRelativelivinginyourCountryofOrigin.

4. yourPre-existingmedicalcondition(s)orthoseofanyother

persononwhosestateofhealththeJourneydependsunlessthecondition/saredescribedasbeingcoveredunderthispolicyoracceptedbyusinwriting;

5. anyPre-existingmedicalconditionsufferedbyaCloseRelativeoranycomplicationsdirectlyattributabletothoseconditions;

6. anycircumstanceslikelytoleadtothecancellationorcurtailmentoftheJourneythatyouareawareof(includingstrikesorstrikenotices)thatwerepresentatthetimeyoupurchasedthisinsurance;

7. selfinflictedillnessorInjury,suicide,depression,anxiety,nervousdisorders,mentalillness,voluntaryabortion,influenceofalcoholordrugs,yourcriminalactivities,oranyAIDS,HIVorsexuallytransmitteddiseaserelatedconditions(unlesscoverfortheseconditionshasbeenappliedforandapprovedbyus);

8. thereceivership,statutorymanagement,administration,bankruptcy,liquidation,financialcollapseoradversefinancialpositionofany,airline,transportprovider,touroperator,travelagent,orwholesaler;

9. asaresultofyouoryourtravellingcompanionnothavingtheappropriatepassport,entryvisaorworkpermitdocumentationrequiredbyanyforeigngovernmentorforeignpower;

10.yourtravelplansbeingaffectedwhentravelispreventedorlimitedbylegislation,governmentorcourtorder;

11.theinabilityofatouroperatororwholesalertocompletearrangementsforagrouptour,duetoadeficiencyinthenumberofpersonsrequiredtocommenceorcompleteanypartofthetour;

12.costschargedbyorpayabletoasupplierresultingfromreschedulingorcancellingoftravelarrangementsbythatsupplier;

13.yourcurtailmentoryourcancellationformedicalreasonsunlessonwrittenmedicaladvice;

14.theinabilityornegligenceofatouroperator,charterairlineorwholesalertocompleteyourtravelarrangements;

15.costspaidinadvancethatexceedtherecommendedretailvalueofanyconcertorsportingeventticketthatisscheduledtotakeplaceduringyourJourney;

16.claimsunderSection1a.or1b.foranyunforeseeablecircumstanceoccurringbeforeorwithin7daysofpurchasingyourpolicy,unlessthepolicywaspurchasedatthesametimeasyourtravelarrangementswere made.

Medical Benefits

BasedonthePolicyOptionshownonyourPolicyCertificateyouwillbeeligibleforeachMedicalBenefituptotheMaximumBenefitshownintheabovetable.

IfyouhavepurchasedanEssentialsPolicythereareanumberofinstancesunderthissectionwherecoveriseitherreducedorunavailable.PleasenotetherearenobenefitsunderthissectionifyouhavepurchasedtheLossofDepositsPolicyOption.

Important information concerning pre-existing medical conditionsThereisnocoverforPre-existingmedicalconditionsundertheEssentialsPolicyOption.ThereislimitedcoverforPre-existingmedicalconditionsundertheComprehensivePolicyOption.

PleaserefertothedefinitionofPre-existingmedicalconditionsinGeneral Terms.

SomePre-existingmedicalconditionsarecoveredautomatically.Ifyouhaveapre-existingmedicalconditionwhichfalloutsidetheautomaticacceptancecriteriadetailedbelow,theconditionmustbedisclosedtous,whetherornotyouareseekingcoverforthecondition.Thisisbecausetheconditionmayaffectthetermsandavailabilityofcover.Iftheconditionisnotdisclosedtous,thereisariskthatnoclaimswillbepayableunderthispolicy.

(i) Comprehensive Policy Option Pre-existing medical conditions that are not covered

Somemedicalconditionscannotbecoveredunderthispolicy.Theseincludebutarenotlimitedtoanymedicalcondition:

Section 2 Medical Benefits Maximum Benefits


Medical Unlimited $250,000 NilMedical/Terrorism $250,000 Nil NilFollow on Treatment $2,000 Nil NilDental as a result of Injury $3,000 $500 NilEmergency Dental – Pain relief $1,000 Nil NilIncidental Hospital Expenses $4,000 Nil Nil

Accompanying Person Reasonable Costs Nil NilSearch & Rescue $20,000 Nil Nil

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•whereyouaretravellingagainstadvicefromaregisteredmedicalpractitioner;

•whereyouaretravellingoroneofthereasonsyouaretravellingistoobtainmedicaltreatment;

•whichhasbeendiagnosedasbeingterminal;

• forwhichsurgeryisplannedorforwhichyouareonawaitinglist;

• involvingongoingandvariablepain(includingbackpain)forwhichyouarereceivingregulartreatmentormedication;

• thatisanongoingsymptomaticconditionforwhichyouhavehadorarewaitingforinvestigationsandnotyethadadiagnosis.

(ii) Comprehensive Policy Option Pre-existing medical conditions that are not automatically covered

Youarenotautomaticallycoveredinrespectofamedicalconditioniftheconditionrelatesto:

•yourheart(excludinghypertension);

•yourbrain;

•atransplantedorgan;

• thinningofthebones(osteoporosis);

•alungcondition,duetowhichyouarepermanentlylimitedbyshortnessofbreathordiagnosedascysticfibrosis;

• cancer;

•bloodorlungclots;

• insulindependentdiabetes;

•majorallergicreactions;

•backproblemsifyouhavehadspinalsurgery;and/or

•sexuallytransmitteddiseases,AIDS,HIVorrelatedconditions.

EvenifyoudonotseekcoverforthesePre-existingmedicalcondition,theymustbedisclosedtoustoavoidnon-disclosureissuesunderthispolicy.Ifwechoosetoprovidecoverrelatedtotheseconditionsanadditionalpremiumwillbechargedandwrittenconfirmationextendingcoverwillbeissuedbyus.

(iii) Comprehensive Policy Option Pre-existing medical conditions that are automatically covered

IfyouhavepurchasedtheComprehensivePolicyOptionandyourPre-existingmedicalconditionfallswithinthetermsdetailedbelowthenyouareautomaticallycoveredforthecondition.Youdonotneedtocontactusforapprovalif:

a.yourPre-existingmedicalconditionisstableandwellcontrolledandyourtreatment(includingmedication)hasnotchangedinthelast12months;and

b.yourconditionisnotanongoingorchronicconditionforwhichyouhavereceivedtreatmentatahospitalinthelast5years;and

c.youhavenothadsurgeryorhospitaltreatmentforthemedicalconditioninthepast12months;and

d.thePre-existingmedicalconditionisnotdetailedin(i)or(ii)aboveaseitheraPre-existingmedicalconditionthatyouneedtocontactusaboutorwhichcannotbecoveredunderthispolicy.

Ifyourconditiondoesnotmeettheabovecriteriapleasecompleteanonlinemedicalassessmenttodisclosethemedicalcondition,evenifyoudonotrequirecoverforthecondition,asthismayaffectthetermsandavailabilityofcoverunderthisPolicy.Ifcoverisapproved,youwillberequiredtopayanadditionalpremiumandwrittenconfirmationwillbeforwardedtoyou.Ifyouareinanydoubtastowhetheramedicalconditioniscoveredpleasecontactouroffice.

2a. Overseas medical expenses(ComprehensiveandEssentialsPolicyOptionsOnly)

Youarecoveredforreasonableandcustomaryoverseashospital,medical,surgical,nursinghomechargesorotherremedialattentionortreatmentgivenorprescribedbyaregisteredmedicalpractitioner,includingmedicalrepatriationexpenses,incurredasaresultofanillness,InjuryordiseasewhichoccurredonyourJourney.Thisbenefitonlyappliesinexcessofanyamountsyouareentitledtofromanyreciprocalarrangementsbetweenyourusualcountryofresidenceandthecountryinwhichthechargesorexpenseswereincurredand

inexcessofanyamountsthatarerecoverablebyoronbehalfofyoufromanyothersource.

PleasenotethatNewZealandhasreciprocalhealtharrangementswithAustraliaandtheUnitedKingdom.UnlessyouhavepurchasedaPrivateHospitalcoverextension,andthisisnotedonyourPolicyCertificate,youwillberequiredtoseektreatmentinthesecountriesfromtheirpublichealthsystem.

IfyouhaveComprehensivecoverwewillalsopayreasonableincidentalexpensesincurredbyyou,relatedtoyourInjuryorillnessincludingemergencytelephonecallsandtaxifaresuptoanamountofNZ$100perperson.Receiptsmustbeprovided.

Inallcases:

1. Wewillonlypaycostsincurredwithin12monthsoftheillnessorInjury;

2. You,orsomeoneactingonyourbehalf,mustwhereverpossiblecontactAllianzGlobalAssistancepriortotreatmentorhospitalisation.Failuretoobtainourpriorapprovalbeforeanyhospitalisationortreatmentmayresultinyourmedicalexpensesclaimbeingdeclined;

3. WehavetheoptionofreturningyoutoyourCountryofOriginforfurthertreatmentifyouaremedicallyfittotravelandwewillcoverthecostsforyourrepatriation.Ifyoudeclinetoreturnwewillnotpayforanyongoingoverseasmedicalexpenses;

4. IfyouchoosenottoreturntoyourCountryofOriginonorpriortotheexpirydateshownonyourPolicyCertificate,wewillnotpayforanyongoingmedicalexpenses,includingmedication,thatyouincuraftertheexpirydateinconnectionwithanyInjury,illnessordiseasethatoccurredduringtheperiodofinsurance;

5. FollowonmedicalexpensesinNewZealand(Comprehensiveonly)–onyourrepatriationorreturntoNewZealandwewillpayuptoNZ$2,000perinsuredpersonforcontinuingfollowontreatmentprovidedtheseexpensesarenecessarilyandreasonablyincurredwithina12-monthperiodfollowingthedateoftheillnessorInjury.ThecoverprovidedexcludesdentalexpensesasthesearecoveredunderSection2c.Emergencydentalexpenses;

6. Thecoverprovidedunderthissectionwillbeextendedtocoverreasonablecostsincurredtotreatyouand/orreturnyoutoyourCountryofOriginupondiagnosisofanypsychosomatic,psychological,psychiatricdisorder,anxietyordepressionuptoamaximumpolicylimitofNZ$10,000–unlessthisconditionexistedpriortoyourdeparturefromyourCountryofOrigin.

2b. Terrorism overseas medical expenses(ComprehensivePolicyOptionOnly)

Section2a.isextendedtoprovidecoverforoverseasmedicalexpensesandrepatriationcosts,incurreddirectlyfromorinconnectionwithanyActofTerrorism,subjecttothePolicyOption’sMaximumBenefitforOverseasmedicalexpenses.

2c. Emergency dental expensesEmergencyDentalTreatment–PainReliefOnly

(ComprehensivePolicyOptionOnly)

WewillreimburseyouforemergencydentalexpensesuptothePolicyOptionsMaximumBenefittorelievesuddenandacutedentalpainfirstmanifestingitselfduringtheJourney,provided:

1. thetreatmentistoasoundnaturaltooth.Soundnaturalteethdoesnotincludedenturesoranytoothwhichhasafillingorbeensubjecttorestorationwork,cappingorcrowning;and

2. youhavebeentoadentistinthelast24monthsaspartofyourroutinedentalmaintenanceandreceivedallrecommendedtreatment.

EmergencyDentalTreatmentasaresultofanInjury(ComprehensiveandEssentialsPolicyOptions)

WewillpayfordentalexpensesuptothePolicyOption’sMaximumBenefitforemergencytreatmentasaresultofanInjurytosoundnaturalteethduringtheJourney.

2d. Incidental hospital expenses(ComprehensivePolicyOptionOnly)

IfyouareconfinedtoahospitaloverseasasaresultofanInjury,

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illnessordiseasewewillpayyouNZ$150foreach24hourperiodyouarehospitalised,providingtheperiodofconfinementexceedsatleast48hoursandlimitedtothePolicyOption’sMaximumBenefitperinsuredperson.Thiscoverisforreimbursementofincidentalnon-medicalexpenses.

2e. Accompanying person(ComprehensivePolicyOptionOnly)

Wewillpaythenecessaryoverseastravelandaccommodationexpensesofonerelativeorfriend,whoontheadviceofourregisteredmedicalpractitioner,travelstoorremainswithyouandaccompaniesyoubecauseoftheseverityofanyInjury,illnessordiseasesuffered.Youmustcontactusforapprovalbeforeanyexpenseisincurred.

2f. Search and Rescue – Natural Disaster(ComprehensivePolicyOptionOnly)

WewillpayuptoNZ$20,000towardsthecostsofaprivatesearchifyouaredeclaredmissingfollowinganaturaldisaster,duringtheperiodofinsurance.Providedthat:

i. oneofyourclosefamilymembersrequeststhesearch;

ii. thesearchisapprovedbylocalauthorities;and

iii. thesearchcommenceswithin72hoursoftheofficialnotificationthatyouaremissing.

Exclusions – applying to all Policy Options under Section 21. Wewillnotpayclaimsdirectlyorindirectlycausedbyorarisingout

of:a. Pre-existingmedicalconditionsthatarenotdescribedasbeing

coveredunderthispolicyorconfirmedasbeingcoveredbyusinwritingpriortothecommencementofyourJourney;

b. activeparticipationin:i. competitivesnowandicesports,butnotleisureskiingand

snow-boardingon-pisteonaregularskifield;ii. divingusingbreathingapparatusifyoudonotholdaNAUI

orPADIdivingticket;iii. flyinghangortowgliding,microliteflying,parachuting,sky

divingandotheraerialactivitiesotherthanthefollowing;• hotairballooning;• paragliding;• parasailing;• bungeejumping;or• asafare-payingpassengerinapowerdrivenaircraft

licensedtocarrypassengersflownbyapilotlicensedtocarrypassengers;

iv. mountainandrockclimbing;v. professionalsport;vi. individualorteamsportcompetitions;vii. contactsports;

viii. racingofanykind(otherthanonfoot)includingtraining;ix. oceanyachting25nauticalmilesormorefromthemainland;x. whitewaterrafting,whitewaterkayakingorblackwater

raftingingrade5ormorerivers;xi. potholing;xii. rodeoactivities;xiii. hunting;xiv. anyactivityatanaltitudeabove2500metres;xv. anyactivityinremoteareasexceptaspartofanorganised

tourgroup;xvi. extremeversionsofanysport.

c. depression,anxiety,psychological,mental,nervousorstressdisorders,unlesscoverisprovidedunderSection2a.Overseasmedicalexpenses;

d. AcquiredImmuneDeficiencySyndromeorHumanImmunodeficiencyVirusoranyvariantortheircomplications,unlessappliedforandapprovedbyusinwriting;

e. theuseofalcoholordrugsnotprescribedornotusedasprescribedbyaregisteredmedicalpractitioner;

f. youengaginginanyactivityassociatingwithprostitutionoranyillegalorcriminalact;

g. sexuallytransmitteddiseases;orh. anycomplicationsarisingfromamedicalconditionwhereyou

aretravellingagainstmedicaladvice.

2. Wewillnotpayanymedicalexpensesrelatingtohospitalisationorsurgicaltreatmentwhereourpriorapprovalhasnotbeensoughtandobtained,unlessnotificationisnotpossible.

3. CoverwillceaseunderthissectionifyoufailtofollowourrequirementsasperSection2a.

4. Wewillnotpayanymedicalexpensesincurredforcontinuingtreatmentincludingmedicationwhichcommencedpriortothisjourney.

5. Wewillnotpayforprivatemedicaltreatmentwhenpublictreatmentisavailable,unlessyouhavepaidforthePrivateMedicalCarepolicyextensionandthisisshownonyourPolicyCertificate.

6. Wewillnotpayforclaimsthatrelatetoloss,damage,liability,expensesorclaimsfororarisingdirectlyorindirectlyoutof:a. theextractionofwisdomteethunlessthesehavebecome

Impacted;b. dentalexpensesincurredinyourCountryofOrigin;c. normaldentalhealthmaintenance,oranytreatmentresulting

fromalackofregulardentalhealthmaintenanceorhygieneincludingdentures,fillings,rootcanals,polishingandscaling,replacementduetothelossofdentalbridges,restorationwork,capsorcrowns;

d. preciousmetalcostorpinsandfittings,titaniumimplantsinrelationtodentaltreatment.

Life BenefitsSection 3 Life Benefits Maximum Benefits


Funeral Expenses $25,000 $10,000 NilAccidental Death or Permanent Disablement $50,000 Nil NilAccidental Death Terrorism $25,000 Nil Nil

BasedonthePolicyOptionshownonyourPolicyCertificate,youwillbeeligibleuptotheMaximumBenefitshownintheabovetableforeachLife Benefit.


3a. Funeral expenses(ComprehensiveandEssentialsPolicyOptionsOnly)

WhereyourdeathoccurswewillpayuptothePolicyOption’s

MaximumBenefitforthereasonablefuneralandcremationorburialexpensesintheareawheredeathoccurred,orforthecostsofreturningyourbodyorashestoyourCountryofOriginexcludingfuneralandintermentcosts.

3b. Accidental death or permanent disablement (ComprehensivePolicyOptionOnly)

IfduringtheperiodofinsuranceyousustainanInjurywhichwithin12monthsofsuchInjuryresultsinyourdeath,wewillpaytoyourestatethePolicyOption’sMaximumBenefitasstatedintheabovescheduleofbenefits.

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Baggage, Personal Effects And Money Benefits

BasedonthePolicyOptionshownonyourPolicyCertificate,youwillbeeligibleuptotheMaximumBenefitshownintheabovetableforeachBaggage,PersonalEffectsandMoneyBenefit.


Ifyourbaggageorpersonaleffectsarestolen,youmustnotifythelocalpoliceorlocalgovernmentauthoritywithin24hoursandyoumustobtainacopyoftheirincidentreport.Anylossordamagetopersonalbaggagewhilstinthecustodyofthecarriers(airline,buscompanyetc)mustbenotifiedtothemimmediatelyandapropertyirregularityreportobtained.Youmusttakeallreasonableprecautionstoprotectthepropertyinsuredbythispolicyandtopreventanyclaimarising.

4a. Personal baggage (ComprehensiveandEssentialsPolicyOptionsOnly)

WewillpayuptothePolicyOption’sMaximumBenefitsforaccidentallossordamagetoyourpersonalbaggage,whichhasbeentakenorpurchasedonyourJourney.ThelossordamagemustoccurinthecourseoftheJourneyandduringtheperiodofinsurance.

Atourdiscretionwemayelecttorepairorreplacethepropertyorwe

willpaythePresentDayValueofthelostordamageditemincash,aftermakinganallowancefordepreciationandwearandtear.Proofofpurchaseandownershipwillberequiredtosupportanyclaimover$500.

Thespecialitemlimitperitemforcameraandvideoequipmentincludesattachedorunattachedlensesoraccessories.

ItemsUnder2yearsofage

Foritemsthatarelessthan2yearsold,PresentDayValuemeansthelesserofthepurchasepriceorthereplacementpriceoftheitem(s).

ItemsOver2yearsofage

Ifanitemismorethan2yearsold,PresentDayValueiscalculatedbyapplyingaminimum20%depreciationperannum(fromthedateofpurchase)tothelesserofthepurchasepriceorcurrentreplacementpriceoftheitem.Depreciationmaybemeasuredbyusingthecurrentsecondhandvalueofthelostordamageditem.

Itemswheretheageoftheitemcannotbedetermined

Ifyoucannotestablishthepurchasedateofanyitem,PresentDayValueiscalculatedbyapplyingaminimumof50%depreciation,(whichmaybeincreasedfurtherbaseduponourassessmentoftheageoftheitem)tothelesserofthepurchasepriceorcurrentreplacementpriceoftheitem.

Alternatively,ifduetoanInjuryduringtheperiodofinsurance,youarepermanentlydisabled,wewillpayyouthePolicyOption’sMaximumBenefit.PermanentdisablementmeansanInjurywhichwithin12monthsoftheaccidentresultsinparaplegia,quadriplegia,tetraplegia,thelossofoneormorelimbs,lossofsightinoneorbotheyes,lossofhearingorspeech.

3c. Accidental death or permanent disablement as a result of Terrorism (Comprehensive Policy Option Only)

Section3b.isextendedfortheComprehensivePolicyOptiontoprovidecoverwheredeathorpermanentdisablementresultsdirectlyfromorinconnectionwithanyActofTerrorism.ProvidedthatanypaymentunderthissectionwillbelimitedtoamaximumofNZ$25,000perinsuredpersonperperiodofinsurance.

Exclusions – applying to all Policy Options under Section 31. WewillnotpayforFuneralExpensesunderSection3a,where

deathoccursasaresultofPre-existingmedicalconditionsthatarenotdescribedasbeingcoveredunderthispolicyorconfirmedasbeingcoveredbyusinwritingpriortothecommencementofyourJourney.

2. Wewillnotpayclaimsarisingfrom:a. ActofTerrorismunderSection3b;b. manualorhazardouswork;c. deliberateexposuretodangerunlessintheattempttosavea

humanlife;d. disease,illnessoranynaturalcauses;(underSections3band

3c);e. accidentaldeathorpermanentdisabilityorInjuryincurredasa

resultofyourparticipationin:i. competitivesnowandicesports,butnotleisureskiingand

snow-boardingon-pisteonaregularskifield;

ii. divingusingbreathingapparatusifyoudonotholdaNAUIorPADIdivingticket;

iii. flyinghangortowgliding,microliteflying,parachuting,skydivingandotheraerialactivitiesotherthanthefollowing;• hotairballooning;• paragliding;• parasailing;• bungeejumping;or• asafare-payingpassengerinapowerdrivenaircraft


iv. mountainandrockclimbing;v. professionalsport;vi. individualorteamsportcompetitions;vii. contactsports;viii. racingofanykind(otherthanonfoot)includingtraining;ix. oceanyachting25nauticalmilesormorefromthemainland;x. whitewaterrafting,whitewaterkayakingorblackwater

raftingingrade5ormorerivers;xi. potholing;xii. rodeoactivities;xiii. hunting;xiv. anyactivityatanaltitudeabove2500metres;xv. anyactivityinremoteareasexceptaspartofanorganised

tourgroup;xvi. extremeversionsofanysport.

f. theaccidentaldeathorpermanentdisablementofpersonsundertheageof16years.

3. IfyoufailtofollowourrequirementsunderSection2,anywheresuchfailurecausesorcontributestoaclaimunderSection3,noclaimbenefitunderSection3shallbepayable.

Section 4 Baggage, Personal Effects And Money Benefits Maximum Benefits


Personal Baggage – Total Limit $30,000 $5,000 NilBaggage – Item Limit $1,500 $750 NilElectronic, Video and Camera Equipment $2,500 $750 NilEmergency Baggage $1,500 $250 NilReplacement of Travel Documents $3,000 $500 NilMoney $500 Nil NilAdditional Expenses as a result of Terrorism $3,000 Nil Nil

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4b. Emergency baggage (ComprehensiveandEssentialsPolicyOptionsOnly)

Ifyourbaggageistemporarilylostintransit,andisnotrestoredtoyouwithin12hoursofthediscoveryoftheloss,wewillreimburseyoufortheemergencypurchaseofessentialreplacementitems.WewillreimburseyouuptoNZ$500afterthefirst12hoursundertheComprehensivePolicyOptionand$250undertheEssentialsPolicyOption.Ifthebaggageisstillmissingafterafurther48hoursthenanadditionalamountofNZ$500isclaimableundertheComprehensivePolicyOption.Afterafurther72hoursthenafurtheramountofNZ$500isalsoclaimableundertheComprehensivePolicyOption,ifyouarestilldeprivedofyourluggage.

Receiptsofpurchasesmustbeproducedtosupportanyclaim.

Thissectiondoesnotapplyifyourbaggageistemporarilylostwhenyouarereturningtoyournormalplaceofresidence.

PleasenotethatwherethemislaidluggageisnotfoundandaclaimismadeunderSection4a,thecostsoftheitemspurchasedunderthispolicysectionwillbedeductedfromtheclaimamountpaidunderSection4a.

4c. Specified high value items(ComprehensivePolicyOnly)

IfyouwishtoincludeitemsofbaggageorpersonaleffectsthathaveaPresentDayValuemorethantheapplicablepolicylimitperitem,youcanspecifythemontheapplicationform.Youwillberequiredtoprovideareceiptofpurchaseand/orvaluationcertificateforeachspecifieditemintheeventofaclaimandpayanadditionalpremiumpriortothecommencementofyourpolicy.TotalLimitperitemisNZ$10,000withanoveralltotallimitforallspecifieditemsofNZ$20,000perpolicy.

4d. Travel documents (ComprehensiveandEssentialPolicyOptions)

WewillpayuptothePolicyOption’sMaximumPolicyBenefitperinsuredperson,forthecostofreplacingyourpersonaltraveldocumentsincludingpassportsandentryvisas,creditcardsandtravellerscheques,carriedwithyouonyourJourneyarisingoutofaccidentallossortheft,andthecostofsubsequentunauthorisedusebyotherpersons,providedthatyouhaveobservedalltermsandconditionsassetdownbytheissuingauthorityandyoucannotrecoveryourlossfromanyothersource.

Assoonasthelossisdiscoveredyoumustnotifythepoliceandtheissuingauthoritytoensurethattheappropriatecancellationmeasuresaretaken.

4e. Personal money(ComprehensivePolicyOnly)

WewillpayuptothePolicyOption’sMaximumPolicyBenefitfortheaccidentallossortheftfromyourpersonorfromalockedsafeorfromyouraccommodationwhenyouarepresentintheroomofcash,couponsorvoucherstakenonyourJourneyforpersonaluse.

4f. Additional expenses as a result of an Act of Terrorism (ComprehensivePolicyOptionOnly)

Sections4a.to4e.areextendedtoprovidecoverforthereasonableadditionalcostsincurred,whenyourtravelarrangementsoryourbelongingsareaffecteddirectlyorinconnectionwithanyActofTerrorism.ProvidedthatanypaymentforanActofTerrorismwillbelimitedtoamaximumofNZ$3,000perinsuredperson.

Exclusions – applying to all Policy Options under Section 41. Wewillnotpayforlossordamageto:

a. householdfurniture(otherthansoftgoods);b. fragileorbrittlearticlesunlessdamageiscausedbyfireor

accidenttotheconveyanceinwhichtheyarebeingcarried;c. toolsoftrade,bicycles,skis/snowboardsand/orbindings,

surfboards,windsurfersorsimilarwaterequipmentotherthanwhentheyaredamagedintransitonalicensedcommercialtransporterorresultingfromfireinorburglaryfromlockedaccommodationpremises;

d. anyothersportingequipmentwhilstinuse;e. stockorsamplesofanykindrelatedtobusinessortrade;f. personalbaggagesentinadvanceorarticlesmailed,sentor

shippedbyfreightorcargoseparately;g. personalbaggageleftunattendedbyyouoryourtravelling

companioninapublicplace.Thisincludeswhereanitemisatadistancefromyouthatyoucannotpreventitfrombeingtaken;

h. personalbaggageleftinamotorvehicleunlessstoredinalockedluggagecompartmentofthemotorvehicleandforcedentryisgained.Ifthereisnolockableluggagecompartmentinthemotorvehicletheitemsmustbeunabletobeseenfromoutsidethelockedvehicle;

i. traveldocumentsnotreportedwithin24hourstothepoliceortheissuerofanycreditcardortravellerscheque(s)ortraveldocumentswhereyouhavenotcompliedwiththeconditionsunderwhichtheyhavebeenissuedanddoneeverythingtominimisetheloss;

j. jewellery–exceptwhenatthetimeofthelossordamagetheitemisbeingwornbyyou,orwasinyourbedroomwhileyouarepresentinthesameroom,orinalockedsafe;

k. anyelectronicdevicecausedbythemalfunctionofthatdevice;l. anyelectronicdataorsoftware.

2. Wewillnotpayforlossordamagearisingfrom:a. delay,detentionorconfiscationbyCustomsOfficersorother

officials;orb. scratching,denting,grazing,staining,wearandtear,rot,mould,

mildew,rust,corrosion,theactionofinsectsorvermin,orclothingandpersonaleffectsbeingcleaned,dyed,alteredorrepaired.

3. Wewillnotpayforlossofpersonalmoneyexceptwhenatthetimeofthelossordamagethemoneywasonyourperson,orwasinyourbedroomwhileyouarepresentinthesameroom,orinalockedsafe.

Personal Liability Benefits

BasedonthePolicyOptionshownonyourPolicyCertificate,youwillbeeligibleuptotheMaximumBenefitshownintheabovetableforeachPolicy Benefit.


5a. Rental vehicle excess (ComprehensiveandEssentialsPolicyOptionsOnly)

Youarecoveredfortheinsuranceexcessyouarerequiredtopay,asaresultoflossordamagetoarentalvehicleyouhavehired,uptothePolicyOption’sMaximumBenefit,providedthat:

a.youwerethedriverofthevehicleatthetimeoftheaccidentorifthevehiclewasnotbeingdrivenitwasunderyourcustodyand

Section 5 Personal Liability Benefits Maximum Benefits

Policy Option Comprehensive Essentials

Rental Vehicle Excess $6,000 $1,000Personal Liability $2,500,000 $500,000Wrongful Arrest $10,000 Nil

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controlwhenstolenordamaged;

b.youhaveobservedalllocaldrivinglicenserulesandregulations;

c.yourvehiclewasrentedfromalicensedrentalagency;

d.youhavenotbreachedyourrentalvehiclehirecontract;

e.theexcessisnotrecoverablefromanyothersource;and

f. youhavemadeaclaimwiththemotorvehicle’sinsurerwhichhasbeenaccepted,orwouldhavebeenacceptedexceptfortheapplicationoftheexcess.

5b. Personal liability (ComprehensiveandEssentialsPolicyOptionsOnly)

WewillindemnifyyouuptothePolicyOption’sMaximumBenefitforallsumsthatyoubecomelegallyliabletopayasdirectcompensationconsequenton:

a.accidentalInjury,deathorillnesstopersons;or

b.accidentallossordamagetotangibleproperty;occurringduringthecourseofyourJourneyandduringtheperiodofinsurance.

Inrespectofaclaimtowhichtheaboveindemnityapplieswewillpayanycostsoflitigationlegallyrecoveredbyanyclaimantfromyouandallothercostsandexpensesincurredwithourwrittenconsent.

5c. Defence Costs – including wrongful arrest (ComprehensivePolicyOptiononly)

Wewillpayfordefencecostsincurredbyyouwithourconsentindefendingclaimsmadeagainstyou,includingsuchcostsincurredwhicharethedirectresultofyourfalsearrestorwrongfuldetentionbyanygovernmentorgovernmentagency,uptothePolicyOption’sMaximumBenefit.

Exclusions – applying to all Policy Options under Section 51. WewillnotbeliableinrespectofyourlegalliabilityforInjuryor

damagecausedbyorarisinginconnectionwith:

i. landorbuildingsowned,orheldintrustbyyouorinyourcustodyand control;

ii. yourbusinessoroccupation;

iii. theownershiporuseofanylandorbuilding,aircraftoraerialdeviceotherthanmodelaircraft;

iv. mechanicallypropelledvehicles;

v. watercraftotherthanarowboat,surfboard,sailboard,bodyboard,water-skiormodelboat.

2. Wewillnotpayclaimsarisingfrom:a. damagetopropertybelongingtoyouoranyemployeeor

memberofyourfamilyorunderyourortheircontrol;b. Injury,deathorillnesstoyou,youremployeeormembersof

yourfamily;c. damagetoanystructureorlandduetovibrationortothe

withdrawalorweakeningofsupport;d. fines,penaltiesandpunitive,exemplary,aggravatedor

liquidateddamagesimposeduponorawardedagainstyou;e. yourliabilityunderacontract;f. yourunlawful,malicious,deliberateorintentionalacts;org. transmissionofanycommunicabledisease.

General terms General termsEachsectionofthispolicyissubjecttoallthetermsandexclusionsoftherelevantsection,andallthegeneraltermsofthissection.

DefinitionsusedinthispolicyWhenthewordsbelowareusedinthisinsurancepolicytheyshallhavethemeaningsdetailedbelow.

1. Act of Terrorism Meansanact,includingbutnotlimitedtotheuseofforceorviolenceand/orthethreatthereof,ofanypersonorgroup(s)ofpersons,whetheractingaloneoronbehalfoforinconnectionwithanyorganisation(s)orgovernment(s),whichfromitsnatureorcontextis

donefor,orinconnectionwith,political,religious,ideological,ethnicorsimilarpurposesorreasons,includingtheintentiontoinfluenceanygovernmentand/ortoputthepublic,oranysectionofthepublic,infear.TerrorismalsoincludesanyactthatisverifiedorrecognisedbythelocalGovernmentasanActofTerrorism.

2. Close Relative Meansspouse,defactopartner,civilunionpartner,parent,stepparent,son,daughter,brother,sister,halforstepbrotherorsister,fiancé(e),grandparent,greatgrandparentorgrandchildofeithertheinsuredperson,spouseorpartnerprovidingthecloserelativeislivinginyourCountryofOrigin.

3. Country of Origin Meansthecountryinwhichyouprincipallyresidedpriortoapplyingforcover.

4. InjuryMeansanexternalorinternalbodilyInjurycausedsolelyanddirectlybyviolent,accidental,externalandvisiblemeans.

5. JourneyMeansfromwhenyouleaveyournormalplaceofresidenceinyourCountryofOriginuntilyoureturntoyournormalplaceofresidenceinyourCountryofOrigin,orforonewaytravellerstheexpirydateasshownonyourPolicyCertificateofInsurance.Ifyouhavepaidafrequentflyerpolicypremiumthenumberofjourneysperannumisunlimitedbuteachjourneyislimitedtoamaximumof60days.

6. Pre-existing Medical Condition Means:a)Anyphysicaldefect,infirmity,existingorrecurringillness,Injuryordisabilityofwhichyou,orthepersonduetowhomyouareclaiming,areawareof;orb)Anymedicalconditionforwhichyou,orthepersonduetowhomyouareclaiminghavehadorreceivedamedicalexamination,consultation,treatment,investigationand/ormedicationinthe12 monthspriortothedateyourpolicyisissued.

7.PublicPlaceMeansanyareatowhichthepublichasaccess(whetherauthorisedornot)includingbutnotlimitedtohotelfoyersandgrounds,restaurants,publictoilets,beaches,airports,railwaystations,busterminals,taxistandsandwharves.

General Conditions – applying to all sections1.Youmusttelluseverythingthatmaybematerialtoourdecisiontoissueoralterthispolicy,includingthedisclosureofanyPre-existingmedicalconditionsthatarenotautomaticallycoveredinSection2,whethercoverunderthePolicyisrequiredornot.

2.Youmusttellusofanychangestoanycircumstancesrelevanttothispolicyassoonasyouknowaboutthem.

3.Wemayatourownexpensetakeproceedingsinyournametorecovercompensation,damagesorotherwisefromanythirdpartyforlossordamagecoveredunderthispolicy.Anyamountrecoveredwillbelongtous.

4.Thispolicywillnotprovidecoverforanylossorexpensecoveredunderanyotherinsurancepolicy,compensationschemeorlegislation.Youmustfirstseeksettlementofyourcostunderthatpolicyorscheme.Wewillthenonlyconsiderpaymentofanydifferencebetweentheamountsettledandthepaymentyouwouldhavebeenentitledtounderthisinsurance.(ThisconditiondoesnotapplytoclaimsunderSection3b.AccidentalDeathorPermanent Disablement.)

5.Youmustprovideuswithallreceipts,certificates,informationandproofwereasonablyrequiretohelpsubstantiateyourclaim.Thiswillincludeadoctor’scertificateorletterifyourtripwascurtailedorcancelledduetoillnessorInjuryandyoumustprovideatyourownexpenseanymedicalcertificateorreportthatwemayrequiretoconsideranyclaimfurther.Amedicalreportandbloodtestwillalsoneedtobeprovidedifyouhavebeendruggedinvoluntarily.

6.Allstatementsmadebyyouoronyourbehalfeitherintheapplicationorotherwiseinsupportofthispolicyoranyclaimmustbecorrectinallrespects.Ifanyclaimunderthispolicyissupportedbyanyincorrectinformationorstatementorisinanyrespectfraudulent,

10

thenyourclaimisnotpayableandthisentirepolicyautomaticallyterminatesfromthedatethattheincorrectstatementorfraudulentclaimwasmadetous.

7.Youmustnotmakeanyoffer,promiseorpaymentregardingadmissionorliabilityforanyloss.

8.Noclaimwillbepayablewhereanypersonentitledtoindemnityunderthispolicybreachesanypolicytermsandconditions.

9.Wherethispolicyisinjointnames,thenthispolicyisajointpolicy.Thismeansthatifoneinsuredpersondoesorfailstodoanythingsothatthereisnocovertherewillbenocoverforanyinsuredperson,notjusttheinsuredpersonresponsible.

10.YoumustadviseusifyouarepermanentlymigratingfromyourCountryofOriginorapplyingforpermanentresidenceinacountrywhenonyourJourney.Theperiodofinsurancewillexpire21daysafteryourarrivalinthecountrywhereyouwillbepermanentlymigratingtoorapplyingforpermanentresidence.

11.Youmustcomplywithallourrequestsrelatingtoyourclaimincludingprovidingallco-operation,informationandassistancerequested.

12.Youmustatalltimesactinaprudentmannerandtakeallreasonablestepstopreventlossandminimiseanyclaimmadeunderyourpolicy.

13.YoumustimmediatelyconsultandfollowtheadviceofaregisteredmedicalpractitionerifyouhavesufferedanInjuryorillness.General Exclusions – applying to all sections

a. Thispolicydoesnotcoveranyloss,damage,liability,deathorincapacitydirectlyorindirectlycausedbyorarisingfrom:

1. war,invasion,actofforeignenemy,warlikeoperations(whetherwarisdeclaredornot),civilwar,mutiny,rebellion,revolution,insurrection,militaryorusurpedpower.(Inrespectofcivilunrestonly,thisexclusiondoesnotapplytoSection1i.Evacuation–CivilUnrestPacificIslands);

2. ActofTerrorism(referto‘Generalterms’forfulldetails)–unlesscoverisotherwiseprovidedunderindividualsectionsofthispolicy.Ifweallegethatbyreasonofthisclause,anylossordamage,costorexpenseisnotcoveredbythisinsurancetheburdenofprovingthecontrarywillbeupontheinsured;

3. nuclearweaponsmaterial;

4. ionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.(Forthepurposeofthisexclusion,combustionincludesanyselfsustainingprocessofnuclearfission);

5. yourdeliberateorrecklessactsoryourcriminalactivities;

6. anypersonlawfullyinyouraccommodationpremises;

7. anytravelwithinNewZealandunlessthisformspartofyourinternationalJourney;

8. theNewZealandGovernment’srecommendationthattravelnotbetakentoanycountry,territoryorregion,ifthewarninghasbeenissuedpriortothepurchaseofthisinsurance,whetherthisrelatestoessentialornon-essentialtravelorboth;

9. occupationsinvolvingunusualordangerouswork;

10. medicaltreatmentwhereyouaretravellingtoobtainthemedicaltreatment;

11. electiveorcosmeticsurgery;

12. activeparticipationin:

i. competitivesnowandicesports,butnotleisureskiingandsnow-boardingon-pisteonaregularskifield;

ii. divingusingbreathingapparatusifyoudonotholdaNAUIorPADIdivingticket;

iii. flyinghangortowgliding,microliteflying,parachuting,skydivingandotheraerialactivitiesotherthanthefollowing;• hotairballooning;

• paragliding;• parasailing;• bungeejumping;or• asafare-payingpassengerinapowerdrivenaircraft


iv. mountainandrockclimbing;v. professionalsport;vi. individualandteamsportcompetitions;vii. contactsports;viii. racingofanykind(otherthanonfoot)includingtraining;ix. oceanyachting25nauticalmilesormorefromthe

mainland;x. whitewaterrafting,whitewaterkayakingorblackwater

raftingin grade5ormorerivers;xi. potholing;xii. rodeoactivities;xiii. hunting;xiv. anyactivityatanaltitudeabove2500metres;xv. anyactivityinremoteareasexceptaspartofanorganisedtour

group;xvi. extremeversionsofanysport.

13. pregnancyorchildbirth(exceptforunforeseenmedicalcomplicationsoremergencieswithinthefirst20weeks/140daysofyourpregnancy).Thereisnocoverforachildbornoverseasunless,afterbirth,coverisappliedforandweagreeinwritingtoincludethechildinthiscover;

b. Anyconsequentialloss,lossofenjoymentorlossofincome.

Cancelling this policyYoumaycancelthispolicyatanytimepriortoyourdeparturebyreturningthePolicyCertificatetoyourissuingagent.Ifnoclaimhasbeenmadeorispendingwewillpro-ratarefundyourpremiumbetweenthedateofpurchaseandpolicyexpirydatelessanadministrationfeeofNZ$40.00.YoumaycancelthispolicyafteryourdeparturebywritingtoourofficeandreturningyourPolicyCertificate.IfnoclaimhasbeenmadeorispendingapremiumrefundwillbecalculatedbydeductingthesetpremiumapplicableforthedurationusedonyourJourneylesstheadministrationfeeof$40.00forearlycancellation.Wemaycancelthispolicyinthefollowingcircumstancesonly,bygivingyou14dayspriornoticebyemailsenttoyourlastknownemailaddresssuppliedtous:

a) Ifyoufailtocomplywithyourdutyofutmostgoodfaith;

b) Ifyoufailtocomplywithaprovisionofthispolicy,including aprovisionrelatingtothepaymentofthepremium;

c) Ifyoumakeafraudulentclaimunderthispolicy.

Reinstatement of amounts of insuranceIntheeventofalossforwhichaclaimispayableunderthispolicy,andintheabsenceofwrittennoticebyusoryoutothecontrary,theamountofinsurancecancelledbysuchalosswillbeautomaticallyreinstatedfromthedateofloss.Inthiscaseyouundertaketopaysuchapro-ratapremiumattherateapplicabletotheitemconcernedasmayberequiredforreinstatement.

Free extension of the period of coverIfthereisadelayoutsideofyourcontrol:

1. whereyouarerequiredtosuspendyourJourneyontheadviceofaregisteredmedicalpractitioner;or

2. toanyvehicle,vesseloraircraftinwhichyouaretravellingasaticketholdingpassengerwhichresultsinyourhomewardJourneynotbeingcompletedduringtheperiodofinsurance;

thispolicyisextendedbyupto6monthstoallowyoutocompleteyourJourneybythenextavailableandconvenienttransportation.

11

Jurisdiction and Choice of LawThispolicyisgovernedbyandconstruedinaccordancewiththelawsofNew ZealandandyouagreetosubmittotheexclusivejurisdictionofthecourtsofNew Zealand.YouagreethatitisyourintentionthatthisJurisdictionandChoiceofLawclauseapplies.

Fair Insurance CodeAllianzsupportstheprinciplesoftheFairInsuranceCode.ThepurposeofthisCodeistoincreasethestandardsofpracticeandservicewithintheinsuranceindustry.BrochuresontheCodeareavailablefromouroffice.

Dispute Resolution ProcessIfyouhaveacomplaintordisputeinrelationtothisinsurance,ortheservicesofAllianzGlobalAssistanceNZLtd(‘AGA’)oritsrepresentatives,pleasecalluson0800800048orputthecomplaintinwritingandsendittoTheDisputeResolutionDepartment,POBox33313,Takapuna,New Zealand.AGAwillattempttoresolvethematterinaccordancewithitsInternalDisputeResolutionsprocess.

AdisputecanbereferredtotheFinancialServicesComplaintsLtd(FSCL),subjecttoitstermsofreferences.TheFSCLprovidesafreeandindependentdisputeresolutionserviceforconsumerswhohavegeneralinsurancedisputesfallingwithinitsterms.ThecontactdetailsfortheFSCLare:

Financial Services Complaints Ltd (FSCL) Freephone: 0800 347 257 Telephone: +64 (04) 472 3725 Fax: +64 (04) 472 3728 Post: PO Box 5967, Lambton Quay, Wellington 6145, New Zealand Email: [email protected]

Privacy NoticeToarrangeandmanageyourtravelinsurance,we(inthisPrivacyNotice“we”,“our”and“us”includesAllianzAustraliaInsuranceLimited,AllianzGlobalAssistanceNZLtd,andAGAAssistanceAustraliaPtyLtdandtheirauthorisedagents)collectpersonalinformationfromyouandothers(includingthoseauthorisedbyyousuchasyourdoctors,hospitals,andpersonswhomweconsidernecessary).

Anypersonalinformationprovidedtousisusedbyusandouragentstoevaluateandarrangeyourtravelinsurance.Wealsouseittoadministerandprovidetheinsuranceservicesandmanageyourandourrightsandobligationsinrelationtotheinsuranceservices,includingmanaging,processingandinvestigatingclaims.Wemayalsocollect,useanddiscloseitforproductdevelopment,marketing,research,ITsystemsmaintenanceanddevelopment,recoveryagainstthirdpartiesandforanyotherpurposewithyourconsent.

Yourpersonalinformationmaybedisclosedto(andreceivedfrom)thirdpartiesinNew Zealandoroverseasinvolvedintheaboveprocess,suchastravelconsultants,travelinsuranceprovidersandintermediaries,agents,distributors,reinsurers,claimshandlersand

investigators,costcontainmentproviders,medicalandhealthserviceproviders,transportationproviders,legalandotherprofessionaladvisers,youragentsandtravellingcompanions,andourrelatedandgroupcompanies.

Theuseanddisclosureofyourpersonalinformationwillbeprovidedtothirdpartiesfortheprimarypurposesstatedabove.Thepersonalinformation(butnotsensitiveinformation)mayalsobeusedforasecondarypurposebutonlyifyouwouldreasonablyexpectustousethatinformationforsuchsecondarypurpose.

Whenyougivepersonalinformationaboutotherindividuals,weandouragentsrelyonyoutohavemadeormakethemaware:

• thatyouwillormayprovidetheirinformationtous;

•ofthetypesofthirdpartiestowhomtheinformationmaybeprovided;

•oftherelevantpurposesweandthethirdpartieswewilldiscloseitto,willuseitfor;and

•ofhowtheycanaccessit.

Werelyonyoutohaveobtainedtheirconsentonthesematters.Ifyouhavenotdoneorwillnotdothesethings,youmusttellusorouragentsbeforeyouprovidetherelevantinformation.

Youcanseekaccesstoandcorrectyourpersonalinformationbycontactingus.Youmaynotaccessorcorrectpersonalinformationofothersunlessyouhavebeenauthorisedbytheirexpressconsentorotherwiseunderlaw,orunlesstheyareyourdependantsunder16years.

Ifyoudonotagreetotheaboveorwillnotprovideuswithpersonalinformation,wemaynotbeabletoprovideyouwithourservicesorproductsormaynotbeabletoprocessyourapplicationnorissueyouwithapolicy.Incaseswherewedonotagreetogiveyouaccesstosomepersonalinformation,wewillgiveyoureasonswhy.

Money back guaranteeIfyouarenotcompletelysatisfiedwiththeextentofcoverprovidedbythispolicy,justreturnittoyourissuingagentwithin48hoursofitsreceiptandifyouhavenothadaclaiminthemeantimeorcommencedyourtravelyourmoneywillberefundedinfull.

Privacy Act and the Insurance Claims Register (ICR)TheICRisadatabaseofinsuranceclaimstowhichparticipantinsurershaveaccess.ThepurposeoftheICRistopreventinsurancefraud.TheICRisoperatedbyInsuranceClaimsRegisterLimited(ICRLtd),POBox474,Wellington.

ThispolicyisissuedtoyouontheconditionthatyouauthoriseustoplacedetailsofanyclaimsmadeagainstthispolicyonthedatabaseofICRLtd,wheretheywillberetainedandbeavailableforotherinsurancecompaniestoinspect.YoualsoauthoriseustoobtainfromICRLtdpersonalinformationaboutyouthatis(inourview)relevanttothispolicyoranyclaimmadeagainstit.Youhavecertainrightsofaccesstoandcorrectionofthisinformation,subjecttotheprovisionsofthePrivacyAct1993.