Cover Policy
Content
About this Policy Wording
Summary of Benefits
Calculating your Premium
Table of Benefits
--
Medical Luggage Cancellation Ancillary
Plan E
Plan F Plan G Plan H
Additional Options
Pre-existing Medical Conditions
Important Matters
Words with Special Meanings
Your Policy Cover
General Exclusions applicable to all Sections
Claims
Health Tips
Emergency Free Call Telephone Numbers
Contact Details
Back Cover
About this Policy Wording
Plan D - Domestic (includes benefit Sections , , , , , , , & )
This Policy Wording sets out the cover available and the terms and
Plan E - Frequent Traveller (International) (International) (includes benefit Sections to )
conditions which apply. You need to read it carefully to make sure you understand it and that it meets your needs.
Plan F - Frequent Traveller (Domestic) (Domestic) (includes benefit Sections , , , , , , , & )
This Policy Wording, together with the Certificate of Insurance and any written endorsements by us, make up your policy with us. Please retain these documents in a safe place.
Plan G - Non-Residents (Incoming) (Incoming) (includes benefit Sections , , , , , , , , , & )
ABOUT THE AVAILABLE COVERS You can choose one of these Plans:
(includes benefit Sections to ) UNDERSTANDING YOUR POLICY AND ITS IMPORTANT TERMS AND CONDITIONS To properly understand this policy’s significant features, benefits and risks you need to carefully read:
Plan A - Comprehensive Comprehensive (includes benefit Sections to ) Plan B - Essentials (includes benefit Sections , , , , & ) Plan C - Basics Basics (includes benefit Sections , & )
Plan H - Residents (Incoming) (Incoming)
• About eachof ofBenefits” pages the available types andrelevant benefitsSections in the the “Summary Benefits” pages toofcover and the of the Policy Wording applicable to the cover you choose
1
including any endorsements under “Additional Options” pages Options” pages to and “Pre-existing “ Pre-existing Medical Conditions” Conditions” pages to (remember certain words have special meanings – see “Words with Special Meanings” pages Meanings” pages to ); • When “We Will Not Pay” a Pay” a claim under each Policy Section applicable to the cover you choose and “General Exclusions applicable to all Sections” pages Sections” pages to (this restricts the cover and benefits); • “Claims” pages “Claims” pages to (these set out certain obligations that you and we have. If you do not meet them we may be able to refuse to pay a claim); and • “Important Matters” pages Matters” pages to (this contains important information on who can purchase the policy, age limits, period of cover, your duty of disclosure, how the duty applies to you and what happens if you breach the duty, your cooling-of period, confirmation of your cover, Allianz Global Assistance’s privacy policy andpolicy dispute resolution of your policy, your Excess, when process, you can extension choose your 2
own doctor and when you should contact Allianz Global Assistance concerning hour medical assistance, overseas hospitalisation or medical evacuation.) APPLYING FOR COVER When you apply for the policy, we will confirm with you things such as the period of insurance, your premium, what cover options and Excess will apply, and whether any standard terms need to be varied (this may be by way of an endorsement). These details are recorded in the Certificate of Insurance we issue to you. This Policy Wording sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss. If you have any queries, want further information about the policy, please contact Cover. ABOUT YOUR PREMIUM You will be told the premium payable for the policy when you apply. It is based on a number of factors such as your destination(s), length of Journey, number of persons covered, age, Pre-existing
Medical Conditions and Additional Options. The higher the risk, the higher the premium is. Your premium also includes amounts that take into account our obligation to pay any relevant compulsory government charges, taxes or levies (e.g. GST) in relation to your policy. These amounts are included in your Certificate of Insurance as part of the total premium. COOLING-OFF PERIOD Even after you have purchased your policy, you have cooling-of rights (see “Important Matters” pages to for details). WHO IS YOUR INSURER? This policy is issued and underwritten by Allianz New Zealand Limited (Allianz). WHO IS Allianz Global Assistance? Allianz Global Assistance is a trading name of AGA Assistance Australia Pty Ltd. Allianz Global Assistance has been authorised by Allianz to enter into and arrange the policy and deal with and settle
any claims under it, as the agent of Allianz, not as your agent. Allianz Global Assistance acts under a binder which means that it 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 Global Assistance in an emergency hours a day, days a week. UPDATING THE POLICY WORDING We may need to update this Policy Wording from time to time if certain changes occur where required and permitted by law. We will issue you with a new Policy Wording to update the relevant information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, Allianz Global Assistance may issue you with notice of this information in other forms or keep an internal record of such changes (you can get a paper copy free of charge by calling Cover). EFFECTIVE The efectiveDATE date of this Policy Wording is July . 3
Summary of Benefits This is only a summary of the benefits. Please read this Policy Wording
SECTION Additional Accommodation & Travel Expenses (pg. to )
carefully complete ofare what “We Will Pay”each andPlan. “We Will Not Pay” and for which of the details benefits provided under Importantly, please note that exclusions do apply, as well as limits to the cover.
SECTION
Overseas Emergency Medical Assistance (pg. to ) Cover for emergency medical assistance including: – Hour Emergency Medical Assistance – Ambulance – Medical Evacuations – Funeral Arrangements – Messages to family – Hospital Guarantees.
SECTION Overseas Emergency Medical & Hospital Expenses (pg. to )
4
Cover for overseas medical treatment if you are injured or become sick overseas, including: – Medical – Hospital – Surgical – Nursing – Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Cover for additional travel and accommodation expenses if you cannot travel because of an injury or sickness.
SECTION Family Emergency Emergency (pg. to )
Cover for additional travel expenses if your Travellin Travellingg Companion, or a Relative of either of yours, dies unexpectedly, is disabled by
an injury or requires hospitalisation. hospitalisation. SECTION Emergency Companion Cover (pg. to ) Cover for additional travel and accommodation expenses if your Travelling Companion cannot continue their Journey because of an injury or sickness.
SECTION Resumption of Journey (pg. to )
Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours.
SECTION Hospital Cash Allowance (pg. ) An allowance of per day if you are hospitalised whilst overseas for more than continuous hours.
SECTION Permanent Disability (pg. to ) A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within months of, and because of, an injury sustained during your Journey. SECTION Loss of Income (pg. )
SECTION Accidental Death (pg. to ) A death benefit is payable if you die because of accidental bodily injury sustained during your Journey within months of that injury.
A weekly loss of income benefit is payable if, due to an injury sustained during your Journey, you are unable to work after your return to New Zealand for more than days.
SECTION Credit Card Fraud & Replacement (pg. to ) Cover for the replacement cost of your credit cards lost or stolen fromuse. you during your Journey, and loss resulting from fraudulent 5
SECTION Travellers Cheques & Travel Travel Documents (pg. to ) Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.
SECTION Luggage & Personal Effects Delay Expenses (pg. ) Cover to purchase essential items of clothing and other personal items following Luggage and Personal Efects being delayed, misdirected misdirected or misplaced by your Carrier for
SECTION Theft Of Cash, Bank Notes, Currency Notes, Postal Orders or Money Orders Orders (pg. to ) Cover for the following items stolen from your person, up to for all claims combined: – Bank Notes – Cash – Currency Notes – Postal Orders – Money Orders.
more than hours. SECTION Cancellation Fees & Lost Deposits (pg. to ) Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as: – Sickness – Accidents – Strikes – Collisions – Retrenchment – Natural Disasters.
SECTI ON Luggage SECTION L uggage & Personal Personal Efects (pg. to ) Cover for replacing Luggage and Personal Efects stolen or reimbursing repair cost for accidentally damaged items, including: – Luggage – Spectacles – Personal Efects – Personal Computers – Cameras. 6
) SECTION Disruption of Journey (pg. to ) Cover for additional meals and accommodation expenses if your Journey Journey is disrupted disrupted due to to circumstances circumstances beyond beyond your
control after an initial hour delay.
SECTION Alternative Transport Transport Expenses (pg. ) Cover for additional travel expenses following transport delays to reach events such as: – Wedding – Funeral – Conference – Sporting Event – Pre-paid travel/tour arrangements. SECTION Personal Liability (pg. to ) Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
SECTION Domestic Services (pg. ) Cover for house keeping services following injury/ disablement continuing upon your return Home. SECTION Rental Vehicle Vehicle Excess (pg. to ) Cover for car Excess payable on Motor Vehicle Insurance resulting from your Rental Vehicle being: – Stolen – Crashed – Damaged and/or cost of returning Rental Vehicle due to you being unfit to do so.
SECTION Domestic Pets (pg. to ) Cover for additional boarding kennel or cattery fees resulting from your delayed return Home. Also veterinary fees if your pet is injured whilst you are away.
7
Calculating your Premium Step
R e f e r t o “ W ho c a n p u r c ha s e t h i s p o l i c y? ”
Step
Re fe r t o “Ag e Li mi ts”
Step
Refer to “Pre-existing Medical Conditions”
Step
Nomin ate th the Ge Geogra phic al Re Reg ion f or your J ourne y (Pla ns A, A, B & C onl y)
Step
Choose your Plan type (A, B, C, D, E, F, G or H) Choose your policy type (Single, Group or Family)
Step
8
Step
N o m i n a t e t h e d u r a t i o n o f y o u r J o u rn ey
Step
C h o o s e t h e “A d d i t i o n a l O p t i o n s ” y o u w a n t t o i n c l u d e
Step
C o n t a c t C o v er f o r y o u r p re m i u m a n d t o a p p l y t o p u r c h a se a p o l i c y
pa g e s to pa ge pa g e s to pa ge pa g e s to ----pa g e s to b ac k co v e r
GEOGRAPHICAL REGIONS
Cover for any loss you suffer must occur in the Geographical Region (or any lower Geographical Region) that applies to the Plan selected by you.
D e s t i n a t i on s
Geographical Regions
USA, Hawaii, Canada, Africa, Japan, China, Hong Kong, South America, Middle East
Region - Worldwide
However, under Plans A, B, C, G & H, stopovers of 2 nights
E u r o p e , U n i te d Ki n g d o m
R e g i o n - E ur o p e
in a higher Geographical outside of your selected Geographical Region are Region permitted.
Asia (exc (excludi luding ng China, China, Japan Japan,, Hong Hong Kong Kong & Bali) Bali)
Region - Asia
South-West Pacific, Australia, Papua New Guinea, Bali, Norfolk Island
Region - Pacific
Example: If you have chosen Plan B and are travelling to Bali (and have accordingly selected Region 4), you will be covered for all destinations listed in Region 4, as well as up to 2 nights stopover in any destination in Regions 1, 2 & 3.
If you are travelling to multiple destinations which are in different Geographical Regions, you must select the highest Geographical Region, 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 2. You will then be covered for all destinations in Regions 2, 3 & 4.
Travel on Cruise Liners Travellers on domestic cruises in New Zealand waters may also purchase Plan A (selecting Geographical Region 4) to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses. If you do not purchase Plan A, you will not be covered for medical transfer or evacuation (for example, by helicopter) if you need to be transported to the nearest hospital for emergency medical treatment. 9
Medical Medical Table Table of Benefits Following is a Table of the benefits and their maximum limits. Refer to “Your Policy Cover” pages to for details of what “We Will Pay” and what “We Will Not Pay” and which types of cover are provided under each Plan. All benefit limits and Excesses througho throughout ut this Policy Wording are in New Zealand Dollars (NZD).
PLAN A Comprehensive
Policy Section & Benefit
PLAN B Essentials
PLAN C Basics
Single
Group (per person)
Family
Single
Group (per person)
Family
Single
Group (per person)
Family
*
Overseas Emergency Medical Assistance
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
Overseas Emergency Medical & Hospital Expenses
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
,
,
,
---
---
---
---
---
---
Dental Expenses
Additional Accommodation & Travel Expenses
Family Emergency
Emergency Companion Cover
Resumption of Journey
,
,
,
---
---
---
---
---
---
*
Hospital Cash Allowance
,
,
,
---
---
---
---
---
---
*
Accidental Death
,
,
,
---
---
---
---
---
---
* *
Permanent Disability Loss of Income
,
,
,
---
---
---
,
,
,
---
---
---
-----
-----
-----
*sub-limits apply (refer to “Your Policy Cover” pages to )
PLAN D Domestic
PLAN E Frequent Traveller (International)
PLAN F Frequent Travelle Travellerr (Domestic)
PLAN G Non-Residents (Incoming)
PLAN H Residents (Incoming)
Single
Group (per person)
Fami Fa mily ly
Tota otall po poli licy cy li limi mitt
Tot otal al po poli licy cy li limi mitt
Singl Si ngle e
Group (per person)
Family
Single
Group (per person)
Family
---
---
---
unlimited
---
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
---
---
---
unlimited
---
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
---
---
---
---
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,
,
,
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---
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*sub-limits apply (refer to “Your Policy Cover” pages to )
Luggage Luggage Table Table of Benefits Following is a Table of the benefits and their maximum limits. Refer to “Your Policy Cover” pages to for details of what “We Will Pay” and what “We Will Not Pay” and which types of cover are provided under each Plan. All benefit limits and Excesses througho throughout ut this Policy Wording are in New Zealand Dollars (NZD).
PLAN A Comprehensive
Policy Section & Benefit Single
Credit Card Fraud & Replacement
Travellers Cheques & Travel Documents
Theft Of Cash, Bank Notes, Currency Notes, Postal Orders or Money Orders
*
Luggage & Personal Effects
Luggage & Personal Effects Delay Expenses
*sub-limits apply (refer to “Your Policy Cover” pages to )
Group (per person)
PLAN B Essentials Family
Single
Group (per person)
PLAN C Basics Family
Single
Group (per person)
Family
,
,
,
,
,
,
---
---
---
---
---
---
---
---
---
,
,
,
,
,
,
---
---
---
---
---
---
---
---
---
PLAN E Frequent Travell Traveller er (International)
PLAN F Frequent Traveller (Domestic)
Family
Total policy limit
Total policy limit
Single
PLAN D Domestic Single
Group (per person)
PLAN G Non-Residents (Incoming) Group (per person)
PLAN H Residents (Incoming)
Family
Single
Group (per person)
Family
---
---
---
,
---
---
---
---
,
,
,
---
---
---
---
---
---
---
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,
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,
,
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---
---
---
---
---
---
---
*sub-limits apply (refer to “Your Policy Cover” pages to )
Cancellation Table of Benefits Following is a Table of the benefits and their maximum limits. Refer to “Your Policy Cover” pages to for details of what “We Will Pay” and what “We Will Not Pay” and which types of cover are provided under each Plan. All benefit limits and Excesses througho throughout ut this Policy Wording are in New Zealand Dollars (NZD).
PLAN A Comprehensive
Policy Section & Benefit Single *
Cancellation Fees & Lost Deposits
*
Group (per person)
PLAN B Essentials Family
Single
Group (per person)
PLAN C Basics Family
Single
Group (per person)
Family
unlimited
unlimited
unlimited
---
---
---
---
---
---
Disruption of Journey
,
,
,
---
---
---
---
---
---
Alternative Transport Expenses
,
,
,
---
---
---
---
---
---
*sub-limits apply (refer to “Your Policy Cover” pages to )
PLAN E Frequent Traveller (International)
PLAN F Frequent Travell Traveller er (Domestic)
Family
Total policy limit
Total policy limit
Single
PLAN D Domestic Single
Group (per person)
PLAN G Non-Residents (Incoming) Group (per person)
PLAN H Residents (Incoming)
Family
Single
Group (per person)
Family
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
unlimited
,
,
,
,
,
---
---
---
,
,
,
---
---
---
,
---
---
---
---
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,
,
*sub-limits apply (refer to “Your Policy Cover” pages to )
Ancillary Table of Benefits Following is a Table of the benefits and their maximum limits. Refer to “Your Policy Cover” pages to for details of what “We Will Pay” and what “We Will Not Pay” and which types of cover are provided under each Plan. All benefit limits and Excesses througho throughout ut this Policy Wording are in New Zealand Dollars (NZD).
PLAN A
PLAN B Essentials
Comprehensive
Policy Section & Benefit Single
Group (per person)
Family
Single
Group (per person)
PLAN C Basics Family
Single
Group (per person)
Family
Personal Liability
*
Domestic Pets
---
---
---
---
---
---
*
Domestic Services
---
---
---
---
---
---
*
Rental Vehicle Excess
,
,
,
---
---
---
---
---
---
*sub-limits apply (refer to “Your Policy Cover” pages to )
, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
PLAN D Domestic Single
Group (per person)
Family
,, ,, ,,
PLAN E Frequent Traveller (International)
PLAN F Frequent Travelle Travellerr (Domestic)
Total policy limit
Total policy limit
Single
,,
,,
,,
,,
PLAN G Non-Residents (Incoming) Group (per person)
Family
PLAN H Residents (Incoming) Single
Group (per person)
Family
,, ,, ,, ,,
---
---
---
---
---
---
---
---
---
---
---
---
---
---
,
,
,
,
,
,
,
,
,
,
,
*sub-limits apply (refer to “Your Policy Cover” pages to )
s t fi e n e B f o l e b a T
tional) Plan E – Frequent Traveller (Interna (In ternational) • Annual cover • Unlimited number of Journeys • Cover reinstated on the completion completion of each Journey Journey • Worldwide or or domestic Journeys
Plan F – Frequent Traveller (Domestic) • Annual cover • Unlimited number of Journeys • Cover reinstated on the completion completion of each Journey Journey • Domestic Journeys
Covers Policy Sections to whilst travelling overseas and Policy Sections , , , , , , , & whilst travelling in New Zealand (minimum of km from Home).
Covers Policy Sections , , , , , , , & whilst travelling in New Zealand (minimum of km from Home).
• Accompanying spouse and Dependant children/grandchildren children/grandchildren can be covered for an additional premium
• Accompanying spouse and and Dependant children/grandchildren children/grandchildren can be covered for an additional premium
PLEASE NOTE: The benefit limits shown in the Table of Benefits apply to the total of all claims combined, regardless of which insured person the claim relates to.
PLEASE NOTE: The benefit limits shown in the Table of Benefits apply to the total of all claims combined, regardless of which insured person the claim relates to.
There is no cover for individuals who have not been listed as covered on your Certificate of Insurance. Insurance.
There is no cover for individuals who have not been listed as covered on your Certificate of Insurance. Insurance.
Please contact Cover for details on additional premiums. (“Accompanying” is defined as travelling with the insured person for (“Accompanying” % of the Journey)
• The maximum period of of cover for any one Journey Journey cannot exceed exceed a total of days. This applies to both leisure and business travel.
Please contact Cover for details on additional premiums.
(“Accompanying” is defined as travelling with the insured person for % (“Accompanying” of the Journey)
• The maximum period of cover for any one Journey cannot exceed a total of days. This applies to both leisure and business travel.
18
PLAN G – Non-Residents (Incoming) Cover for non-Residents of New Zealand travelling to and within New Zealand on a temporary basis. This policy does not cover your return trip to your Country of Residence. • Where the word “New Zealand” appears in this Policy Wording, the policyholder’s Country of Residence is to be substituted, except where it appears:
- in “Your Policy Cover” (pages to ) ) under: - Policy Section .[k] - under the Claims section (pages to ) under the headings: - Claims are payable to you in New Zealand Dollars - Travel within New Zealand only - in “ Emergency Free Call Telephone Telephone Numbers” (inside Back Cover) - on the Back Cover of the Policy Wording
- in About this Policy Wording (pages to ) - under the Table Table of Benefits section section (pages to )
• The definitions under Words Words with Special Meanings Meanings (pages to ) for “Home” and “Journey” are to be substituted as
- in Important Matters (pages (pages to ) under under the headings: - Who can purchase this policy? - Period of cover - Jurisdiction and choice of law
follows for Plan G: “ Home Home ” means the place where you normally live in your Country of Residence.
PLEASE NOTE:
- in “Words with Special Special Meanings” (pages to ) under the definitions:
- “Resident of New Zealand” - “We, Our, Us”
Journey means the time from when you leave your Home to go directly to the place you depart from to travel to New Zealand, and ends when you arrive at any immigration counter for departure from New Zealand to return your Country of Residence. Please refer to pages to for details on eligibility and cover “
” ”
provided for Plan G.
s t fi e n e B f o l e b a T
PLAN H – Residents (Incoming) Cover for Residents of New Zealand travelling to New Zealand from Overseas.
Additional Options
PLEASE NOTE:
• The definition under with Special Meanings ) for “Journey” is toWords be substituted as follows for(pages Plan H:41 to “ Journey Journey ” means the time from when the policy is issued while you are Overseas Overseas and ends when when you arrive arrive at any immigratio immigration n counter in New Zealand.
Please refer to pages to for details of eligibility and cover provided for Plan H.
INCREASED LUGGAGE & PERSONAL EFFECTS COVER PLEASE NOTE:
• “specified items” refers to Luggage and Personal Efects that have been listed as covered on your Certificate of Insurance with a nominated sum insured. • items that have not been specifically listed on your Certificate of Insurance are referred to as “unspecified items”. The maximum amount we will pay for all claims combined under Section is shown under the Table of Benefits pages to for the Plan you have selected. Additional cover can be purchased for specified items (excluding jewellery) to , for alland/or items combined paying anprovided. additional up premium. Receipts valuationsby need to be
19
20
The standard item limits remain unaltered - see .[b] on page . This Additional Option is not available under Plan C. EXCESS You can remove the standard Excess on Plans A, B, C, E & G by paying an additional premium. Refer to page for the standard Excesses that apply to your policy. Please contact Cover for details on additional premiums.
Pre-existing Medical Conditions This insurance provides cover for unforeseen medical events only. Not all Pre-existing Medical Conditions are covered under the policy. Please read this section carefully, especially the definition of “Pre-existing Medical Condition”.
21
WHAT IS A PREEXISTING MEDICAL CONDITION? Pre-existing Medical Condition (or “pre-existing condition”) means: a] An ongoing medical or dental condition of which a] which you are are aware, or related complication you have, or the symptoms of which you are aware; b] A medical or dental condition that is currently being, or has been b] investigated, or treated by a health professional (including dentist or chiropractor) at any time, in the past, prior to policy purchase; c] Any condition for which c] which you take prescribed prescribed medicine; d] Any condition for which you have had surgery; d] surgery; e] Any condition for which you see a medical specialist; or e] f] Pregnancy* f] *refer to the “Pregnancy” section pages to for outline of cover).
This definition applies to you, your Travelling Party, a Relative or any other person.
If you do not have a Pre-existing Medical Condition, you have cover for emergency medical costs under Plans A, B, C, E, G & H. There is no cover for emergency medical costs under Plans D & F. Travellers years of age and over If you are years or over, Conditions section of aged the Policy Wording doesthis notPre-existing apply to you.Medical You must complete the ‘ Years and Over Medical Declaration Form’, available online at www.Cover.co.nz or call Cover on . We have the absolute right to accept or decline cover, or impose special conditions such as an additional Excess or reduced benefits. Travellers under years of age If you have a Pre-existing Medical Condition and you want cover for that condition, read the following information. If you have any questions, please contact Cover on . You can apply for and/or purchase cover for certain Pre-existing Medical Conditions under the following Plans: - Plan A – Comprehensive
22
- Plan C – Basics
- Plan D – Domestic - Plan E – Frequent Traveller (International) - Plan F – Frequent Traveller (Domestic)
You cannot apply for or purchase cover for certain Pre-existing Medical Conditions under the following Plans: - Plan B – Essentials - Plan G – Non-Residents (Incoming)
- Plan H – Residents (Incoming)
Only the Pre-existing Medical Conditions listed under Step are covered under Plans B, G & H (unless hospitalisation has occurred), as well as certain conditions listed under the “Pregnancy” heading.
PREGNANCY This section outlines the cover available for medical expenses, cancellation costs or additional expenses arising from, or related to, pregnancy under the following Sections of the policy:
- Section : Overseas Emergency Medical Assistance - Section : Overseas Emergency Medical and Hospital
- Section : Additional Expenses (applies to “We will pay” [a] & [b] only)
- Section : Emergency Companion Cover
- Section : Hospital Cash Allowance
- Section : Cancellation Fees and Lost Deposits - Section : Disruption of Journey
There is no need to complete a Medical Declaration Form for the cover detailed in the table on page . In any event we will not pay medical expenses for:
•• childbirth regular antenatal care at any gestation • care of the newborn child
Please read through this section to find the corresponding definition to your fertility treatment or pregnancy condition. Where cover for certain pregnancy conditions is shown as being available if you pay an additional premium, cover is available under Plans A, C, D, E & F only.
Expenses (including Dental expenses)
23
Fertility Treatment
Outcome
Your pregnancy
Outcome
a] You are not yet pregnant, however you are undergoing fertility treatment, now or before your Journey commences
Cover is not available under any Plan.
e] You ha have ve a mul multi tipl plee pr preg egna nanc ncyy
Coverr is Cove is not not av avai aila labl blee und under er an anyy Pl Plan an if your Journey extends past the th week of your pregnancy.
Your pregnancy
Outcome
b] Yo u ha havve a si sin ngl glee pr preg egna nanc ncyy
Cover is no Cov nott av avai aila labl blee und nder er an anyy Pl Plan an if your Journey extends past the th week of your pregnancy.
Cover is available you pay an additional premiumifunder a Pre-existing Medical Condition Plan and your Journey ends on or before the th week of your pregnancy.
c] You have a single pregnancy without any complications*, which did not arise from
Cover is automatic under Plans A, C, D, E & F if your Journey ends on
f] You have a multiple pregnancy without any complications*, where pregnancy does not arise from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation g] You have a multiple pregnancy,
Cover is not available under any Plan.
services treatment associated with an assisted or reproduction program including but not limited to in vitro fertilisation
or before the week ofpremium your pregnancy. Noth additional is payable.
d] You have a single pregnancy without any complications*, where pregnancy arises from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation
Cover is available if you pay an additional premium under a Pre-existing Medical Condition Plan and your Journey ends on or before the th week of your pregnancy.
which arises from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation h] You have experienced any pregnancy complications* prior to your policy being issued
Cover is not available under any Plan.
*“complications “complications”” are defined as “Any secondary diagnosis occurring prior to,
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during the course of, concurrent with, or as a result of the pregnancy, which may adversely afect the pregnancy outcome.”
NO COVER FOR MEDICAL EXPENSES, CANCELLATION COSTS OR ADDITIONAL EXPENSES
- Section : Overseas Emergency Medical & Hospital Expenses (including Dental expenses)
There is no cover for medical expenses, cancellation costs or additional expenses if the following circumstances apply:
- Section : Additional Expenses (applies to “We will pay” [a] & [b] only)
] You have been given a terminal prognosis for any condition condition with a life expectancy of under months
- Section : Emergency Companion Cover - Section : Hospital Cash Allowance
] You require require home oxygen oxygen therapy or you will require require oxygen for for the Journey
- Section : Cancellation Fees and Lost Deposits
- Section : Disruption of Journey
] You have Chronic Renal Failure Failure treated by haemodialysis or peritoneal dialysis
This means that we will not pay:
] You have been diagnosed with with Congestive Heart Failure Failure
• your medical expenses whatsoever (regardless of whether the sickness/injury relates to the excluded circumstance)
] You have an AIDS-defining illness illness or any condition associated with immunocompromise
• your evacuation or repatriation to New Zealand
• your trip cancellation or rearrangement costs
• any additional or out of pocket expenses (including additional travel and accommodation expenses)
] You have had, or are on a waiting list for an organ transplant If any of these apply to you, cover under the following Policy Sections is excluded: - Section : Overseas Emergency Medical Assistance
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Warfarin Use: Please note that taking blood-thinning prescription medication such as Warfarin (also known under the brand names of Coumadin, Jantoven, Marevan, and Waran) has a complex range of serious complications and side efects and is General Exclusion in the “General Exclusions applicable to all Sections” on page . This means that we will not pay for any conditions that would otherwise be covered.
STEP – Is your Pre-existing Medical Condition described in the list below?
c] You You are awaiting specialist opinion
] Any condition for which you have undergone undergone surgery in the past weeks ] Any condition for which you have ever required spinal or brain surgery ] Any condition which has caused caused a seizure seizure in the past months ] Any Chronic or or recurring pain (including back back pain) requiring requiring regular medication or other ongoing treatment such as physiotherapy or chiropractic treatment ] Any mental illness as defined by DSM-IV including:
] with, Any type of cancer that of have previously been diagnosed diagnosed or secondaries fromyou that cancer
a] Dementia, depression, anxiety, stress or other nervous condition; or b] Behavioural Behavioural diagnoses such as autism; or
] Any condition condition for which surgery/treatment/procedure surgery/treatment/procedure is planned, including any fertility treatment
c] A therapeutic or illicit drug or alcohol addiction
] Any condition which arises from signs or symptoms that you are currently aware of, but:
a] Experienced angina (chest pain) within the past months; or
b] Had a stroke (cerebrovascular accident or CVA) or a Transient Ischaemic Attack (TIA) within the past months
a] You have not yet sought a medical opinion regarding the cause; or
] Any cardiovascular cardiovascular disease disease (see examples) if you have:
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b] You are currently under investigation to define a diagnosis; or
If YES YES – – There is no cover for claims arising from, related to or associated with that Pre-existing Medical Condition.
STEP – Is your Pre-existing Medical Condition described in the list below? ] Acne
] Carpal Tunnel Syndrome
] Allergies, limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
] Cataracts
] Asthma – providing that you:
a] have no other lung disease; and
b] are less than years of age at the date of policy issue
] Bell’s palsy ] Benign Positional Vertigo
] Coeliac disease ] Congenital Blindness ] Congenital Deafness ] *Diabetes Mellitus (Type I) – providing you:
c] do not also sufer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and
] Dry Eye Syndrome
d] are under years of age at the date of policy issue
past months ] Folate Deficiency ] Gastric Reflux
] *Diabetes Mellitus (Type II) – providing you were:
] Goitre
a] were diagnosed months ago, andover
] Graves’ Disease ] Hiatus Hernia
] *Hypercholesterolaemia (High Cholesterol) – provided you do not also sufer from a known
a] were diagnosed over months ago, and
b] have no eye, kidney, nerve or vascular complications, and
b] have no eye, kidney,
c] do not also sufer sufer from
nerve or vascular complications, and
] Epilepsy – providing there has been no change to your medication regime in the
a known cardiovascular disease, hypertension or
] Glaucoma
cardiovascular disease and/ or diabetes
hypercholesterolaemia
] Bunions
] *Hyperlipidaemia (High Blood Lipids) – provided you do not also sufer from a known cardiovascular disease and/or diabetes
] Macular Degeneration
] *Hypertension (High Blood Pressure) – provided you do not also sufer from a known cardiovascular disease and/or diabetes
] Osteopaenia ] Osteoporosis
] Hypothyroidism, including
] Raynaud’s Disease
STEP – Is your Pre-exist Pre-existing ing Medical Condition described in the list below?
Hashimoto’s Disease ] Impaired Glucose Tolerance
] Sleep Apnoea ] Solar Keratosis
] Any condition for which you have been hospitalised hospitalised (including Day Surgery or Emergency Department attendance) in the past months
] Incontinence
] Trigeminal Neuralgia Neuralgia
] Insulin Resistance
] Trigger Finger
] Iron Deficiency Anaemia
] Vitamin B Deficiency
] Meniere’s Disease ] Migraine ] Nocturnal Cramps
] Pernicious Anaemia ] Plantar Fasciitis
*Diabetes (Type I and Type II) , Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you
If YES YES – – We will pay claims arising from that Pre-existing Medical Condition, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past months. If hospitalisation has occurred, cover is not automatic. You are required to submit a completed Medical Declaration Form, as outlined in Step .
] Any condition that requires ongoing treatment treatment with prednisone or other immunosuppressive therapy* ] You have had heart problems requiring coronary coronary angiography, angiography, stents or bypass grafting (CABG) in the past months or you had such procedures more than years ago
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have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is also excluded.
] You have a Pacemaker or AICD (internal defibrillator)
] You have had a stroke (cerebrovascular accident accident or CVA) CVA) or Transient Ischaemic Attack (TIA) in the past months
YES – – you will need to complete a Medical Declaration Form, as If YES outlined in Step .
] Diabetes resulting resulting in eye, kidney, nerve or vascular complications
If your condition is not outlined in: • “No cover for medical expenses, cancellation costs or
] HIV infection ] Epilepsy if you are on two or more anti-convulsant medications medications ] Cystic fibrosis ] Any past history of Deep Vein Thrombosis (DVT) or Pulmonary Embolism *”immunosuppressive therapy” means drugs prescribed to inhibit or prevent activity of the immune system. Clinically, they are used to: - prevent the rejection of transplanted transplanted organs and tissues (e.g. bone marrow, heart, kidney, liver) - treat autoimmune diseases diseases or diseases that are most likely of autoimmune origin (e.g. Rheumatoid Arthritis, Myasthenia Gravis, Systemic Lupus Erythematosus, Crohn’s Disease, and Ulcerative Colitis) - treat some other non-autoimmune inflammatory inflammatory diseases (e.g. longterm Allergic Asthma control, and other respiratory diseases)
• •
additional expenses”; or Step 1; or Step 3,
or is either: • Condition [d] under the pregnancy table; or • Condition [f] under the pregnancy table you do not need need to complete complete a Medical Declarati Declaration on Form or see see your doctor. You will have cover for your Pre-existing Medical Condition, provided you pay an additional premium under the relevant Pre-existing Medical Condition Plan.
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STEP – How do I get my Pre-existing Medical Condition assessed? If your Pre-existing Medical Condition falls under Step or you have been hospitalised for a condition listed under Step and you would like to apply for cover youralPre-existing you to complete comp lete afor Medic Medical Declaration Medical Declaration Form and andCondition, send it towe Cwill Cover. over.require You cannot apply for cover for conditions outlined under the heading “No cover for medical expenses, cancellation costs or additional expenses” or conditions outlined in Step . You can only apply for cover for your Pre-existing Medical Condition under Plans A, C, D, E & F. Medical Declaration Forms are available from Cover. In some cases we will need a Doctor’s Declaration to be completed by your regular treating doctor, but this is outlined in more detail in the Medical Declaration Form.
Once Allianz Global Assistance assesses your application, they have the right to accept or decline cover. If they accept cover, you must pay an additional premium under the relevant Pre-existing Medical Condition Plan. For further information, visit www.Cover.co.nz or call Cover on .
Please also refer to “Your Policy Cover” (pages to ) and “General Exclusions applicable to all Sections” (pages to ).
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Following are two () examples of common Pre-existing Medical Conditions: Cardiovascular disease:
Chronic Lung Disease:
Medical conditions involving the heart and blood vessels are collectively called cardiovascular disease (CVD). All such conditions are interrelated.
If you have ever been diagnosed with a Chronic Lung Disease including (but not limited to) Emphysema and Chronic Bronchitis, Bronchiectasis, Chronic Obstructive
If you have ever needed to see a specialist cardiologist, or been diagnosed with a form of CVD such as (but not limited to):
Airways Disease Chronic adequate Obstructive Pulmonary (COPD) or cover Asthma and you (COAD), do not purchase cover for your Disease respiratory disease, will not be available for any claims relating to a new airways infection.
1] Aneurysms 2] Angina 3] Cardiomyopathy
6] Previous Heart Surgery (including valve replacements, bypass surgery, stents)
4] Cerebrovascular Accident (stroke) 5] Disturbances in heart heart rhythm (cardiac arrhythmias)
7] Myocardial Infarction (heart attack) 8] Transient Ischaemic Attack
and you do not purchase adequate cover for CVD, cover will not be available for any claims relating to the heart/cardiovascular system (including heart attacks and strokes). If we have not agreed in writing to provide cover for a particular CVD,
If we have not agreed in writing to provide cover for a particular Chronic lung condition, then all new respiratory infections are also excluded.
then all CVD is excluded.
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Important Matters Under your policy there are rights and responsibilities which you and we have. You must read this Policy Wording in full for more details, but here are some you should be aware of. WHO CAN PURCHASE THIS POLICY? PLANS A, B, C, D, E & F Cover is only available if: • you are a citizen or permanent permanent Resident of New Zealand; and • you purchase your policy before you commence your Journey; and • your Journey commences and ends in New Zealand. Zealand. PLAN G Cover is only available if you: •• are not a Resident oZealand f NewndZealand; and are atravelling to Newof Zeala on a temporary basis; and basis;
Cover is not available for: • persons who are entitled to be covered under under a Reciprocal Health Agreement between the government of New Zealand and the government of another country Policies purchased after arrival in New Zealand (PLAN G) You can purchase your policy once you arrive in New Zealand, subject to the following conditions: • you must purchase your policy within 14 days of your arrival arrival in New Zealand; and • cover commences from from the time the policy is issued issued (refer “Period of Cover” pages to ); and • a waiting period of 7 days from the Start Date noted on your Certificate of Insurance applies to all claims arising from, related to or associated with an injury or sickness, regardless of the Policy Section that applies to the claim. This means that you will not be covered for medical expenses, cancellation or Journey disruption costs, additionalarising expenses, cover hospital cash allowance from,emergency related to companion or associated withorany injury
• purchase your policy policy within 14 days days of your arrival in New New Zealand#. 32
or sickness which occurs within this waiting period; and
#Refer “Policies purchased after arrival in New Zealand” below for conditions of cover
• you cannot apply for or purchase cover for certain Pre-existing Medical Conditions. Refer to page for details of the Pre-existing Medical Conditions covered under Plan G ; and • where the word “Journey” appears in this Policy Wording, its definition under “Words with Special Meanings” (page ) is to be substituted as follows: “ Journey Journey ” means from the time your policy is issued, and ends when you arrive at any immigration counter for departure from New Zealand to return to your Country of Residence. Please refer to page for details of the variations to this Policy Wording for Plan G. If at any time after the policy is issued, your visa status has changed (e.g. you have been granted permanent residency), you may no longer be eligible to buy this insurance or entitled to cover under it. You must notify Cover immediately if this is the case. When you apply they will tell you if you are eligible for this insurance or not. PLAN H
• you purchase your policy while you are Overseas • your one-way Journey commences Overseas and ends in New Zealand Policies purchased after leaving New Zealand (PLAN H) You can purchase your policy after you leave New Zealand, subject to the following conditions: • cover commences from the time the policy is issued (refer “Period of Cover” pages to ); and • a waiting period of of 7 days from the Start Start Date noted on your Certificate Certificate of Insurance applies to all claims arising from, related to or associated with an injury or sickness, regardless of the Policy Section that applies to the claim. This means that you will not be covered for medical expenses, cancellation or Journey disruption costs, additional expenses, emergency companion cover or hospital cash allowance arising from, related to or associated with any injury or sickness which occurs within this waiting period; and • you cannot apply for or purchase cover for certain Pre-existing Medical Conditions. Refer to page for details of the Pre-existing Medical
Cover is only available if: • you are a citizen or permanent Resident of New Zealand
Conditions covered under Plan H; and 33
• where the word “Journey” appears in this Policy Wording, its definition under “Words with Special Meanings” (page ) is to be substituted as follows: “ Journey Journey ” means the time from when the policy is issued while you are Overseas and ends when you arrive at any immigration counter in New Zealand. AGE LIMITS Age limits are as at date of issue of your Certificate of Insurance.
PLANS A & D D Automatically available to travellers aged up to years. Age loadings apply for travellers aged and over. Travellers years of age and over A Medical Declaration Form is required to be submitted for assessment before a policy can be ofered. We have the absolute right to accept or decline cover, or impose special conditions such as an Excess or reduced benefits. Refer to “Travellers years of age and over” (page ) for details.
PERIOD OF COVER You do not have a policy until we issue a Certificate Certificate of Insurance. That Certificate forms part of your policy. The period you are insured for is set out in the Certificate. However: PLANS A, B, C, D, E & F • Cover for cancellation cancellation fees and lost lost deposits begins from from the time the policy is issued. • Cover for all other other Sections begins on on date of departure departure (Start Date) as stated on the Certificate of Insurance. • Cover ends when you you return to your Home Home or on the date of return return set out on your Certificate of Insurance, whichever happens first. The period of cover for any one Journey under Plans E & F cannot exceed a total of days. This applies to both leisure and business travel. PLAN G • The cover for cancellation fees and lost deposits begins from the time the policy is issued.
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PLANS B, C, E, F, G & H H Available to travellers aged up to years.
• Cover for all other Sections begins on the Start Date as noted on the Certificate of Insurance.
A waiting period period of days applies if you purchase your policy after your arrival in New Zealand for Plan G (refer to “Policies purchased after arrival in New Zealand” pages to for details).
• Cover ends at the time you leave to go directly to the place you depart depart from in New Zealand Zealand to return return to your your Country of Residence, or on the end date set out on your Certificate of Insurance, whichever happens first. Cover is not available for your return return trip to your your Country Country of Residence. Residence. Refer to page for the definitions of “Home” and “Journey” for Plan G.
PLAN H • time The cover for cancellation the policy is issued. fees and lost deposits begins from the • Cover for all other Sections begins on the Start Date as noted on your Certificate Certificate of Insuran Insurance. ce. A waiting period period of days from from the Start Start Date noted noted on your your Certificate Certificate of Insurance applies to all claims arising from, related to or associated with an injury or sickness, regardless of after the Policy Section that applies to the claim (refer to “Policies purchased leaving New Zealand” pages
• Cover ends when you arrive at any immigration counter in New Zealand, or on the end date set out on your Certificate of Insurance, whichever happens first. Refer to page for the amended definition of “Journey” for Plan H. The period of cover for your policy cannot exceed months – this applies to all Plans. COOLINGOFF PERIOD If you decide that you do not want this policy, you may cancel it within days after you are issued your Certificate of Insurance and Policy Wording, and you will be given a full refund of the premium you paid, provided you have not started your Journey and you do not want to 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 any part of your premium if you do. EXTENSION OF COVER You may extend your cover free of charge if you find that your return to New Zealand has been delayed because of one or more of the following: • A bus line, airline, shipping shipping line or rail authority authority you are travelling travelling on, or
to for details).
that has accepted your fare or Luggage and Personal Efects, is delayed; or 35
• The delay is due to a reason reason for which you can claim under your your policy (subject to Allianz Global Assistance’s written approval). If the delay is for any other reason, Cover must receive your request to extend cover at least days before your original policy expires if you send yourr reque you request st by by post. post. All All othe otherr reque requests sts to exte extend nd cove coverr must must be be recei received ved by Cover prior to your original policy expiry date. Cover will be extended subject to Cover ’s written approval, and your payment of the additional premium. Where Cover have agreed to extend cover, they will issue you with a new Certificate of Insurance. The period of cover on your new Certificate cannot exceed months. Extensions of cover are not available: • For Pre-existing Medical Medical Conditions previously previously accepted by Allianz Global Assistance in writing; or • For conditions you sufered during the term of your original policy; or • Where you are aged 81 81 years or over at the the time of extension; or or • Where you have not advised Allianz Global Assistance of any circumstances that have or may give rise to a claim under your original
JURISDICTION AND CHOICE OF LAW This policy is governed by and construed in accordance with the law of New Zealand and you agree to submit to the exclusive jurisdiction of the courts of New Zealand. You agree that it is your intention that this Jurisdiction and Choice of Law clause applies. YOUR DUTY OF DISCLOSURE When you apply for this 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 us as soon as you become aware of them. A material fact is one that may influence a prudent insurer in deciding whether or not to accept the cover and, if so, on what terms and conditions and for what premium. Examples of information you may need to disclose include: • anything that increases the the risk of an insurance insurance claim; • any criminal conviction conviction or ofence; ofence; • if another insurer has cancelled or refused refused to insure or renew
insurance, has imposed special terms, or refused any claim;
policy.
• any insurance claim or loss made or sufered sufered in the past.
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These examples are a guide only. If there is any doubt as to whether a particular piece of information needs to be disclosed, this should be referred to Allianz. Non-disclosure If youbefail to comply withbe your duty of the consequences may serious. We may entitled to disclosure, avoid this policy or reject any claim under it. FALSE STATEMENTS AND FRAUD Your policy is based on the information supplied to us by you or on 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 of any claim, must be true and correct. If you take any action or make any statement in connection with this policy or any claim made under it, which is fraudulent in any way or which is supported by untrue or incorrect information, we are entitled to avoid this policy and all benefits under it will be forfeited. FAIR INSURANCE CODE
service within the insurance industry. Brochures on the Code are available from our ofice. DISPUTE RESOLUTION PROCESS If you have a complaint or dispute in relation to this insurance, or the services of Allianz Global Assistance or its representatives, please call Allianz Global Assistance on , or put the complaint in writing and send it to The Dispute Resolution Department, PO Box , Toowong, Toowong, Queensland , Australia. Allianz Global Assistance will attempt to resolve the matter in accordance with its Internal Dispute Resolution process. To obtain a copy of Allianz Global Assistance’s procedures, please contact them. A dispute can be referred to the Financial Services Complaints Complaints Ltd (FSCL), subject to its terms of reference. The FSCL provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. The contact details for the FSCL are: Financial Services Complaints Ltd (FSCL) Freephone: Telephone: + () Fax: + ()
Allianz supports the principles of the Fair Insurance Code. The purpose of this Code is to increase the standards of practice and
Post : PO Box , Lambton Quay, Wellington , New Zealand Email: [email protected] [email protected] .nz
IN THE EVENT OF A CLAIM: Immediate notice should notice should be given to Allianz Global Assistance (see contact details on back of this Policy Wording).
Cover) collect personal information from you and others (including those authorised by you such as your doctors, hospitals and persons whom we consider necessary).
PLEASE NOTE: For claims purposes, purposes, evidence of the value of the property or the amount of any loss must be kept.
Any personal information you provide is used by us to evaluate and arrange your travel insurance. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to the insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, research, IT systems maintenance and development, recovery against third parties and for any other purposes with your consent.
SAFEGUARDING YOUR LUGGAGE & PERSONAL EFFECTS You must take all reasonable precautions to safeguard your Luggage and Personal Efects. If you leave your Luggage and Personal Efects Unsupervised in a Public Place we will not pay your claim. (For an explanation of what we mean by “Luggage and Personal Efects”, “Unsupervised” and “Public Place” see pages to ). CLAIMS PROCESSING Allianz Global Assistance will process your claim within business days of receiving a completed Claim Form and all necessary necessary documentation. If they need additional information, a written notification will be sent to you within business days.
This personal information may be disclosed to (and received from) third parties in New Zealand or overseas involved in the above process, such as travel consultants, travel insurance providers and intermediaries, agents, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure
PRIVACY NOTICE
of such personal willThe be personal providedinformation to third parties primary purposesinformation stated above. (butfor notthe
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To arrange and manage your travel insurance, we (in this Privacy Notice “we”, “our” and “us” includes Allianz Global Assistance and
sensitive information) may also be used for a secondary purpose, but only
if you would reasonably expect us to use that information for such secondary purpose. When you give personal information about other individuals, we and our agents rely on you to have made or make them aware: • that you will or may may provide their information to us; • of the types of third parties to whom the information may be provided to; • of the relevant purposes purposes we and the third parties we will disclose it to will use it for; and • of how they can access it. We rely on you to have obtained their consent on these matters. If you have not done or will not do these things, you must tell us or our agents before you provide the relevant information. You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your dependants under
If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why. YOU CAN CHOOSE YOUR OWN DOCTOR You are free to choose your own Medical Adviser or Allianz Global Assistance can appoint an approved Medical Adviser to see you, unless you are treated under a Reciprocal Health Agreement, refer to pages and . You must, however, advise Allianz Global Assistance of your admittance to hospital or your early return to New Zealand based on medical advice. If you do not get the medical treatment you expect, Allianz Global Assistance can assist you but neither we nor Allianz Global Assistance are liable for anything that results from that.
years of age. age. 39
OVERSEAS HOSPITALISATION OR MEDICAL EVACUATION For emergency assistance anywhere in the world at any time, Allianz Global Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation Home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency. If you are hospitalised you, or a member of your Travelling Party, MUST contact Allianz Global Assistance as soon as possible. If you do not, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by Allianz Global Assistance. If you aretotal not cost hospitalised but you arewill being treated as anyou outpatient and the of such treatment exceed , MUST contact Allianz Global Assistance. EXCESS PLANS A, B, C, E & G We will not pay the first for any one event under Sections , , , , , , & . You can remove this Excess by paying an
A NIL Excess applies to Sections , , , , , , , , , , , , & PLANS D & F A NIL Excess applies to all Sections. PLAN H We will not pay the first for any one event under Sections , , , , , , & . A NIL Excess applies to Sections , , , , , , , , , , , , & . If any additional Excess applies to your policy, the amount is shown in the Certificate of Insurance, Pre-existing Medical Conditions Letter, or advised to you in writing before the Certificate is issued to you.
additional premium (please contact Cover for details). 40
Words with Special Meanings Some words in this Policy Wording that have special meanings are defined here. "AICD/ICD" means an implantable cardioverter-defibrillator cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter cardioverter-defibrillator -defibrillator (AICD). “Arises” or “Arising” “Arises” or “Arising” means means directly or indirectly arising or in any way connected with. “Carrier” or “Carriers” means “Carriers” means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purpose of transporting passengers. This definition excludes taxis. “Chronic” means a persistent and lasting condition. We do not consider “Chronic” means that chronic pain has to be ‘constant’ pain. In many situations it has a pattern of relapse and remission. The pain may be long-lasting, recurrent (occurred on more than occasions), or characterised by long sufering.
“Dependant” means your children or grandchildren not in full time employment “Dependant” means who are under the age of and travelling with you on the Journey. “DSM” means the Diagnostic and Statistical Manual of Mental Disorders. “DSM” means It is an American handbook for mental health professionals that lists diferent categories of mental disorders and the criteria for diagnosing them. “Epidemic” means a sudden development and rapid spreading of a “Epidemic” means contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community. “Excess” means “Excess” means theevent amount which youcan must for each claim arising from the one before a claim be first madepay under your policy. “Family” means “Family” means you, your spouse (or legally recognised de facto) and your Dependants. “Home” means “Home” means the place where you normally live in New Zealand. Refer to page for the definition of “Home” for Plan G.
“Hospital” means “Hospital” means an established hospital registered under any
“Country of Residence” means a country outside New Zealand of which you are a citizen or permanent resident.
legislation that applies to it, that provides in-patient medical care.
“Injure” “Injure” or or “Injured” “Injured” or or “Injury” “Injury” means 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 the time from when you leave your Home to “Journey” means go directly to the place you depart from on your travels, and ends when you return to your Home. Refer to page for the definition of “Journey” for Plan G. Refer to page for the definition of “Journey” for Plan H. “Locked Storage Compartment” means Compartment” means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome. “Luggage and Personal Efects” means Efects” means any personal items owned by you and that you take with you or buy on your Journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.
“Medical Adviser” means Adviser” means a qualified Doctor of Medicine or Dentist registered in the place where you received the services. “Moped” or “Scooter” “Moped” or “Scooter” means means any two-wheeled or three-wheeled motor vehicle with automatic transmission and an engine displacement of not greater than cc. “Motorcycle” means any two-wheeled or three-wheeled motor vehicle with manual transmission, or has an engine displacement greater than cc (regardless of transmission type). “Open Water Sailing” means Sailing” means sailing more than nautical miles of any land mass. “Overseas” means in any country other than New Zealand. “Pandemic” means a form of an Epidemic that extends throughout an “Pandemic” means entire continent, even the entire human race.
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Condition” means: “Pre-existing Medical Condition” means: a] An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware; b] A medical or dental condition that is currently being, or b] has been investigated, or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase; c] Any condition for which you take prescribed medicine; d] Any condition for which you have had surgery; e] Any condition for which you see a medical specialist; or f]
Pregnancy.
This definition applies to you, your Travelling Party, a Relative or any other person. “Public Place” means Place” means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries,
“Reasonable” means, for medical or dental expenses, the standard “Reasonable” means, 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. “Relative” means any of the following who is under years of age “Relative” means and who is resident in New Zealand or Australia. It means your or a member of your Travelling Party’s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law daughter-in-law,, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, stepparent, step-son, step-daughter, fiancé or fiancée, or guardian. “Rental Vehicle” means a campervan/motorhome that does not exceed . tonne, a sedan, hatchback or station-wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company. “Resident of New Zealand” means Zealand” means someone who is a permanent resident or citizen of New Zealand. “Sick” or “Sick” or “Sickness” “Sickness” means means a medical condition, not being an injury, which first occurs during your period of cover.
hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas. 43
“Travelling Companion” “Travelling Companion” means means a person with whom you have made arrangements to travel with you for at least % of your Journey before you entered into your policy. “Travelling “Travelli ng Party” Party” means means those people defined in Family and any
Your Policy Cover
Travelling Companion who has made arrangements to accompany you for at least % of the Journey.
YOUR CHOICES Under this policy, you choose the cover you require based on your travel arrangements.
“Unsupervised” means “Unsupervised” means leaving your Luggage and Personal Efects:
Whether you choose:
• • •
with a person you did not know prior prior to commencing your Journey; or in a position where where it can be taken without without your knowledge; or at such a distance from you that you are unable to prevent it being taken.
• •
A Single, Group or Family policy Plan A, B, C, D, E, F, F, G or H
depends on the type of cover you want and are eligible to purchase.
“We”,, “Our” “We” “Our” and and “Us” “Us” means means Allianz New Zealand Limited.
POLICY TYPE You can choose one of the following cover types:
“You” and “Your” “You” and “Your” means means the person whose name is set out on your Certificate of Insurance and everyone else who is covered under your policy.
Single- Covers you and your dependant children/grandchildren Single- Covers under travelling with you Group- Covers Group Covers you and your Travelling Companion. Group policies
do not provide cover for Dependant children/grandchildren. We issue one Certificate of Insurance, however, you are both covered
44
as if you are each insured under separate policies with Single policy benefits per insured person.
OVERSEAS EMERGENCY MEDICAL ASSISTANCE
Family- Covers you and the members of your Family travelling Family- Covers with you. The benefit limits for Family policies apply to the total of all claims combined, regardless of which insured person the claim relates to.
.
The remainder of this section outlines what "We Will Pay" and what "We Will Not Pay" under each benefit
Allianz Global Assistance will arrange for the following assistance services if you injure yourself overseas or become sick whilst overseas:
in the event of a claim.
a] a]
You only have this cover if you choose Plan A, B, C, E, G or H. WE WILL PAY
Allianz Global Assistance will help you Assistance?” with any overseas medical emergency (see “Who is Allianz Global on page ). You may contact them at any time days a week.
b] b] c] c] d] d]
Access to a Medical Adviser for emergency medical treatment whilst overseas. Any messages messages which need to be passed on to your family or employer in the case of an emergency. Provide written guarantees for payment of Reasonable expenses for emergency hospitalisation whilst overseas. Your medical transfer or evacuation if you must be transported
to the nearest hospital for emergency medical treatment overseas or be brought back to New Zealand with appropriate medical supervision.
e] e]
For the return to New Zealand of your Dependant children if they are left without supervision following your hospitalisation or evacuation.
If you die as a result of an injury or a sickness during your Journey, we will pay for the Reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your Home. The maximum amount we will pay is , for all claims combined.
c] c]
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
Please note that we will not pay for any costs incurred in New Zealand. The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. . a]
WE WILL NOT PAY We will not pay for any expenses for medical evacuation, funeral funeral services or cremation or bringing your remains back to New Zealand unless it has been first approved by Allianz Global Assistance.
b] b]
We will not pay if you decline to promptly follow the medical
We will not pay for medical evacuation or the transportation of your remains from New Zealand to an overseas country.
OVERSEAS EMERGENCY MEDICAL & HOSPITAL EXPENSES
You only have this cover if you choose Plan A, B, C, E, G or H. . a]
WE WILL PAY We will reimburse the Reasonable medical or hospital expenses you incur until you get back to New Zealand if you injure yourself overseas, or become sick there. The medical or hospital expenses must have been incurred on the advice of a Medical Adviser. You must make every efort to keep your medical or hospital expenses to a minimum.
45
46
advice Allianz Global Assistance have obtained and we will not be responsible for subsequent medical, hospital or evacuation expenses.
b] b]
If Allianz Global Assistance determine that you should return Home to New Zealand for treatment and you do not agree to do so then we will pay you the amount which Allianz Global Assistance determine would cover your medical expenses and/ or related costs had you agreed to their recommendation. You will then be responsible for any on going or additional costs relating to or arising out of the event you have claimed for. We will only pay for treatment received and/or hospital accommodation during the month period after the sickness first showed itself or the injury happened. We also payamount the cost emergency dental treatment to awill maximum of of per person per Journey forup dental costs incurred which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and natural teeth.
Please note that we will not pay for any costs incurred in New Please Zealand.
.
WE WILL NOT PAY
We will not pay for expenses: a]
Arising from Pre-existing Medical Conditions except as specified under the heading “Pre-existing Medical Conditions” on pages to .
b] b]
When you have not notified Allianz Global Assistance as soon as practicable of your admittance to hospital.
c]
After weeks treatment by a chiropractor, physiotherapist or dentist unless approved by Allianz Global Assistance.
d] d]
If you do not take the advice of Allianz Global Assistance.
e]
If you have received medical care under a Reciprocal National Health Scheme. Reciprocal Health Agreements are currently in place with Australia and United Kingdom.
f] f]
For damage to dentures, dental prostheses, bridges or crowns.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected.
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g]
Relating to dental treatment involving the use of precious metals or for cosmetic dentistry.
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY
WE WILL NOT PAY.
ADDITIONAL ACCOMMODATION & TRAVEL EXPENSES
you were were injured injure or became be came sthe ick,fare we will we reduce redu ce the the amount amou of your claim bydthe price of sick, to New Zealand fromnt the place you planned to return to New Zealand from. The fare will be at the same fare class as the one you left New Zealand on. c]
You only have this cover if you choose Plan A, D, E, F, G or H. . a]
b] b]
WE WILL PAY: We will reimburse any Reasonable additional accommodation and travel expenses if you cannot travel because of an injury or sickness which needs immediate treatment from a Medical Adviser who certifies that you are unfit to travel. If you shorten your Journey and return to New Zealand on the advice of a Medical Adviser approved by Allianz Global
return to New Zealand. We will only pay the cost of the fare class that you had planned to travel at and you must take advantage of any pre-arranged return travel to New Zealand. If you do not have a return ticket booked to New Zealand before
In addition, we will reimburse your Reasonable additional travel and accommodation expenses if a disruption to your Journey arises from the following reasons: • Your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil commotion, weather or natural disaster. • You unknowingly break any quarantine rule. • You lose your passport, travel documents or credit cards or they are stolen.
Assistance, we will reimburse the Reasonable cost of your
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• An accident involving your mode of transport. You must have written confirmation of the accident from an oficial body in the country where the accident happened.
•
Your Home is rendered uninhabitable by fire, explosion, earthquake or flood.
c]
We will not pay if your claim relates to the financial collapse of any transport, tour or accommodation provider.
d]
Wherever claims are made by you under this Section and Section for cancelled services/facilities or alternative
d] d]
We will not pay for for delays or rescheduling by a bus bus line, airline, shipping line or rail authority unless it is due to
arrangements the same similar services/facilities, will pay for thefor higher of theortwo amounts, not both. we TThe he maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINED UNDER SECTIONS , & IS , FOR SINGLE & GROUP POLICIES (PER PERSON) AND , FOR FAMILY POLICIES. . a]
WE WILL NOT PAY We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your Journey to be cancelled or disrupted or delayed.
adisaster. strike, riot, hijack, civil commotion, weather or natural e] e]
We will not pay if you operate a Rental Vehicle in breach of the rental agreement.
f]
We will not pay as a result of you or your Travelling Companion changing travel plans.
YOU Y OU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
b] b]
We will not pay if you can claim your additional travel and accommodation expenses from anyone else.
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FAMILY FAMIL Y EMERGENCY
c] c]
You only have this cover if you choose Plan A, D, E, F, G or H. . a] a]
b] b]
Wherever claims are made by you under this Section and Section for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both.
WE WILL PAY: If, during your Journey, your Travelling Companion or a Relative of either of you dies unexpectedly, is disabled by an injury or becomes seriously sick and requires hospitalisation (except arising from a Pre-existing Medical Condition), we will reimburse the Reasonable additional cost of your return to New Zealand. We will only pay the cost of the fare class you had planned to travel at.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected.
If, as a result of a Pre-existing Medical Condition, a Relative is hospitalised in New Zealand or Australia or dies in New Zealand or Australia after the policy is issued, and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death, the most we will pay under this Section is as follows:
. a] a]
WE WILL NOT PAY: If you were aware, before your period of cover commenced, of any circumstances that may cause your Journey to be cancelled or disrupted or delayed.
b] b]
If the death, injury or sickness of a Relative Relative arises from a Pre-existing Medical Condition except as specified under Policy
• $2,000 for Single policies
• $2,000 per person for Group policies
THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINED UNDER SECTIONS , & IS , FOR SINGLE & GROUP POLICIES (PER PERSON) AND , FOR FAMILY POLICIES.
Section .[b].
• $4,000 for Family policies c] c]
If you can claim your additional travel expenses from anyone else.
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d] d]
As a result of you or your Travelling Companion changing travel plans.
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL
or are evacuated for medical reasons. He or she must travel, stay with you or escort you on the written advice of a Medical Adviser and with the prior approval of Allianz Global Assistance c]
NOT PAY.
.
WE WILL PAY:
a]
We will reimburse your Reasonable additional accommodation accommodation and travel expenses for you to be with your Travelling Companion Companion if he or she cannot continue their Journey because of an injury or sickness which needs immediate treatment from a Medical Adviser who certifies that they are unfit to travel.
b]
Section for for cancelled services/facilities or alternativewe arrangements the same or similar services/facilities, will pay for the higher of the two amounts, not both.
EMERGENCY COMPANION COVER
You only have this cover if you choose Plan A, D, E, F, G or H.
We will also reimburse the Reasonable accommodation and
Wherever claims are made by you under this Section and
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINED UNDER SECTIONS , & IS , FOR SINGLE & GROUP POLICIES (PER PERSON) AND , FOR FAMILY POLICIES. . a]
WE WILL NOT PAY: If you were aware of any reason, before your period of cover commenced, that may cause your Journey to be cancelled or
travel of near your you Travelling Companion or are a Relative to travel expenses to you, stay or escort you, if you in hospital sufering from a life threatening or other serious condition,
disrupted or delayed. b]
If you can claim your additional travel and accommodation expenses from anyone else.
c] c]
We will not not pay if you operate a Rental Rental Vehicle Vehicle in breach of the rental agreement.
d]
As a result of you or your Travelling Companion changing travel plans.
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
b] b]
If,Zealand. as a result of a Pre-existing Medical Condition, a Relative is hospitalised in New Zealand or Australia or dies in New Zealand or Australia after the policy is issued, and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death, the most we will pay under this Section is as follows:
c] c]
•• $2,000 $2,000 for per Single personpolicies for Group policies • $4,000 for Family policies Wherever claims are made by you under this Section and Section for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the
RESUMPTION OF JOURNEY
You only have this cover if you choose Plan A, E or H. . WE WILL PAY: We will reimburse you for airfares for you to return to the place you were when your Journey was interrupted, if you return to your Home because: a] • during your Journey, a Relative of yours dies unexpectedly or a]
• It is possible for your Journey to be resumed; and • there is more than 14 days remaining of the period of your Journey, as noted on your Certificate of Insurance; and • You resume your Journey within 12 months of your return to New
51
is hospitalised following a serious injury or a sickness (except arising from a Pre-existing Medical Condition); and 52
two amounts, not both. TThe he maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected.
. a]
WE WILL NOT PAY: If you were aware of any reason, before your period of cover commenced, that may cause your Journey to be cancelled or disrupted or delayed.
b] b]
If the death, Medical injury orCondition sickness of a Relative Relative arises from a Pre-existing except as specified under Policy Section .[b].
c] c]
If you can claim your resumption of Journey expenses from anyone else.
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL YOU SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
However, no matter how long you are in hospital the maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. . a] a] b] b]
WE WILL NOT PAY For the first continuous hours you are in hospital. If you cannot claim for overseas medical expenses in Section .
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
ACCIDENTAL ACCIDEN TAL DEATH
You only have this cover if you choose Plan A, D, E, F, G or H.
HOSPITAL CASH ALLOWANCE
You only have this cover if you choose Plan A, E, G or H.
. WE WILL PAY We will pay the death benefit, to the estate of the deceased, if:
. WE WILL PAY We will pay you for each day you are in hospital if you are in hospital for more than continuous hours while you are overseas.
a] a]
you are injury injuredwithin duringyour Journey andinjury; you die of that months of the or because 53
b] b]
during your Journey, something you are travelling on disappears, sinks or crashes and you are presumed dead and your body is not found within months.
PERMANENT DISABILITY
You only have this cover if you choose Plan A, E or H.
The limit we will pay for the death of any one accompanying
.
WE WILL PAY
Dependant is ,. The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected.
a] a] b] b]
If you are injured during your Journey; and Because of the injury, you become permanently disabled within months of the injury.
. WE WILL NOT PAY a] a]
We willother not pay not forcaused death by caused caused byassuicide suicid e oron forpage any . other other reason than injuryby defined
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
Permanently disabled means: • you have totally lost all of the sight in one or or both eyes, or the use of a hand or foot at or above the wrist or ankle; and • the loss is for at least 12 months and, in Allianz Global Assistance’s opinion after consultation with an appropriate medical specialist, will continue indefinitely. The most we will pay for any one Dependant is ,. The maximum amount we will pay for all claims combined under
this is shown under the Table of Benefits for the Plan you haveSection selected. 54
.
WE WILL NOT PAY
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR REASONS WHY WE WILL NOT PAY.
LOSS OF INCOME You only have this cover if you choose Plan A, E or H. . WE WILL PAY If you are injured during your Journey and become disabled within days because of the injury, and the disablement continues for more than days after your return to New Zealand, we will pay you an allowance under this benefit. We will only pay if you cannot do your normal or suitable alternative work and you lose all your income. We will pay you per week under a Single policy or Group policy (per person) and per week under a Family policy for a period
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. . WE WILL NOT PAY For the first days of your disablement from the time you return to New Zealand. YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
CREDIT CARD FRAUD & REPLACEMENT
You only have this cover if you choose Plan A, B, E or H. . WE WILL PAY: a] We will reimburse you the replacement costs (including
of up to weeks, subject to the maximum limits shown under the Table of Benefits for the type of policy (Single, Group or Family) and Plan you have selected.
communication credit cards you lose or which are stolen from you costs) during for youryour Journey. 55
b] b]
We will also cover loss resulting from the fraudulent use of any credit card held by you following the loss or theft of the card during your Journey.
c] c]
We will only cover those amounts not covered by any
. WE WILL NOT PAY: We will not pay if you: a] Do not a] not report report the theft within within hours hours to the police police and to the issuing bank or company in accordance with the conditions
guarantee given by the bank or issuing company to you as the cardholder covering such losses.
b] b]
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINED UNDER SECTIONS & FOR PLANS A & E IS , FOR SINGLE & GROUP POLICIES (PER PERSON) AND , FOR FAMILY POLICIES. THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINED UNDER SECTIONS & FOR PLAN B IS , FOR SINGLE &
under which the cards were issued; and Cannot provide Allianz Global Assistance with a written statement from them.
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
TRAVELLERS CHEQUES & TRAVEL DOCUMENTS
You only have this cover if you choose Plan A, B, E or H. . WE WILL PAY: a] We will reimburse you the replacement costs (including
GROUP POLICIES (PER PERSON) AND , FOR FAMILY POLICIES. 56
communication costs) of any travel documents, including passports or travellers cheques you lose or which are stolen from you during your Journey.
b] b]
We will only cover those amounts not covered by any any guarantee guarantee given by the bank or issuing company covering such losses.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINED UNDER SECTIONS & FOR PLANS A & E IS , FOR SINGLE & GROUP POLICIES (PER PERSON) AND , FOR FAMILY POLICIES.
b] b]
you cannot provide Allianz Global Assistance with a written statement from them.
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
THEFT OF CASH, BANK NOTES, CURRENCY NOTES, POSTAL ORDERS OR MONEY ORDERS
You only have this cover if you choose Plan A, E or H.
THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINED UNDER SECTIONS & FOR PLAN B IS , FOR SINGLE & GROUP POLICIES (PER PERSON) AND , FOR FAMILY POLICIES.
. WE WILL PAY The most we will pay is for all claims combined for any cash, bank notes, currency notes, postal orders or money orders stolen from your person.
. WE WILL NOT PAY: PAY: We will not pay if you:
. WE WILL NOT PAY a] If you do not report the theft within hours to the police or an
a]
do the not issuing report the theft within inhours to the with policethe and to bank or company accordance conditions under which the cheques were issued; and
oficetravelling of the busonline, airline, shipping line orYou rail can authority were when the theft occurred. prove you that you made a report by providing Allianz Global Assistance with a written statement from whoever you reported it to.
b] b]
If the cash, bank notes, currency notes, postal orders or money orders were not on your person at the time they were stolen.
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
LUGGAGE & PERSONAL EFFECTS You only have this cover if you choose Plan A, B, D, E, F, G or H. . WE WILL PAY a] The repair cost or value of any Luggage and Personal Efects which are stolen or accidentally damaged or are permanently lost. When calculating the amount payable we will apply depreciation due to age, wear and tear. tear. The amount amou nt of such suc h depreciation will be determined by Allianz Global Assistance.
not pay more than the original purchase price of any item. We decide what is to be allowed for depreciation and wear and tear. We have the option to repair or replace the Luggage and Personal Efects instead of paying you. b] b]
The maximum amount we will pay for for any item (i.e. the item limit) is: • $3,000 for personal computers, video recorders or cameras • $1,000 for mobile phones (including (including PDAs and any items with phone capabilities) • $750 for all other unspecified unspecified items A pair or related set of items for example - but not limited to: • a camera, lenses (attached or not), tripod and accessories; • a matched or unmatched unmatched set of golf clubs, clubs, golf bag and and buggy;
57
No depreciation will be applied to goods purchased duty free prior to your departure or goods purchased during your Journey. We will
• a matching pair of earrings; are considered as only one item for the purpose of this insurance, and the appropriate single item limit will be applied.
58
c] c]
d] d]
In addition to the limit shown on the Table Table of Benefits for for this Section, we will also pay up to a maximum of , (or such other lower amount which you have previously selected) for all items combined, that you have specified under “Increased Luggage
We will also pay up to the limits(s) shown on your Certificate of Insurance for any additional cover purchased under “Increased Luggage & Personal Efects Cover”, up to a maximum of ,.
& Personal Efects paid an additional premium for. The standard item limitsCover” shownand in .[b] remain unaltered.
. WE We will notWILL pay aNOT claimPAY in relation to your Luggage and Personal Efects if: a] You do not report the loss, theft or misplacement within hours to the police or an ofice of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You must prove that you made such report by providing Allianz Global Assistance with a written statement from whoever you reported it to.
Luggage and Personal Efects left in a motor motor vehicle are only covered during daylight hours and must have been locked in the boot or a Locked Storage Compartment and forced entry must have been made. No cover applies if Luggage and Personal Efects are left unattended in the passenger compartment of the motor vehicle or if the Luggage and Personal Efects have been left in the motor vehicle overnight. The most we will pay if your Luggage and Personal Efects are stolen from the Locked Storage Compartment of an unoccupied vehicle is for each item and , in total for all stolen items.
b] b]
Your jewellery, mobile phone, camera, video camera, computer equipment or their accessories are transported in the cargo hold of any aircraft, ship, train or bus.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected.
c] c] d] d]
The loss, theft of or damage is to or of bicycles. The loss, loss, theft or damage damage is to items left behind in any hotel or motel room after you have checked out or items left behind in any aircraft, ship, train, taxi or bus.
e] e]
The loss, theft or damage is to watercraft of any type (other (other than surfboards).
m] m]
f] f]
The Luggage and Personal Efects were being sent unaccompanied or under a freight contract.
g]
The loss or damage arises from any process of cleaning, repair or alteration.
• the breakage or scratch was caused by a crash involving a vehicle in which you are travelling.
h]
The loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
n] n]
i]
The Luggage and Personal Efects were left Unsupervised in a Public Place.
You are entitled to be reimbursed by the the bus bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred. However, if you are not reimbursed the full amount of your claim, we will
j]
The Luggage and Personal Efects were left unattended in a motor vehicle unless it was locked in the boot or Locked Storage Compartment.
k] k]
The Luggage and Personal Efects were left overnight in a motor vehicle even if they were in the Locked Storage
The Luggage Luggage and Personal Personal Efects are fragile, fragile, brittle or an electronic component is broken or scratched - unless either: • it is the lens of spectacles, binoculars or photographic or video equipment; or
pay the diference between the amount of your loss and what you were reimbursed, up to the limit of yo your ur co cover ver (a (allo llowi wing ng fo forr depreciation due to age, wear and tear). o] o]
The loss or damage is to sporting equipment whilst in use (including surfboards).
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE
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l] l]
Compartment. The Luggage and Personal Efects have an electrical or mechanical breakdown.
TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
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LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES
You only have this cover if you choose Plan A, E or H. . WE WILL PAY We will reimburse up to the benefit limit as per the Plan selected for all claims combined if any items of your Luggage and Personal Efects are delayed, misdirected or misplaced by the Carrier for more than hours, and in Allianz Global Assistance’s opinion it was reasonable for you to purchase essential items of clothing or other personal items.
. WE WILL NOT PAY a] If you are entitled to compensation from the bus line, air line, shipping line or rail authority you were travelling on for the relevant amount claimed. However, if you are not reimbursed the full amount, we will pay the diference 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" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
Your claim must contain written proof from the Carrier who was responsible for your Luggage and Personal Efects that they were delayed, misdirected or misplaced.
We will deduct any amount we pay you under this benefit for any subsequent claim for lost Luggage and Personal Efects.
. WE WILL PAY a] Your cancellation fees and lost deposits for travel and a] accommodation arrangements that you have paid in advance
CANCELLATION FEES & LOST DEPOSITS
You only have this cover if you choose Plan A, D, E, F, G or H.
The amountunder we will for of all Benefits claims combined under this maximum Section is shown thepay Table for the Plan you have selected.
and cannot recover in any other way if your Journey is cancelled or shortened at any time through circumstances neither expected nor intended by you or outside your control.
b] b]
c] c]
The travel agent’s cancellation fees up to , Single policy or , Family policy where all monies have been paid or the maximum amount of the deposit has been paid at the time of cancellation. However, we will not pay more than the level of commission or service fees normally earned by the agent, had your Journey not been cancelled. Documentary evidence of the travel agent’s fee is required. You for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following cancellation of your air ticket, if you cannot recover the lost points from any other source. The cancellation must be due to unforeseen circumstances outside of your control. We calculate the amount we pay you by multiplying: • The cost of an equivalent equivalent class airline ticket based based on the quoted retail price at the time the ticket was issued, less your financial contribution; and • The total value of points lost divided by the total value value
New Zealand or Australia after the policy is issued, and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death, the most we will pay under this Section is as follows: • $2,000 for Single policies • $2,000 per person for Group policies • $4,000 for Family policies The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. . WE WILL NOT PAY a] If you were aware of any reason, before your period of cover a] commenced, that may cause your Journey to be cancelled, abandoned or shortened. Nor will we pay if your cancellation fees or lost deposits arise because of:
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of points used to obtain the ticket. d] d] 62
If, as a result of a Pre-existing Medical Condition, a Relative Relative is hospitalised in New Zealand or Australia or dies in
b] b]
If the death, injury or sickness of a Relative arises from a Pre-existing Medical Condition except as specified under Policy Section .[d].
c] c]
You or your Travelling Companion changing plans.
d] d]
Any business, financial or contractual obligations. This exclusion does not apply to claims where you or a member of your Travellingg Party are made redundant from full-time employment Travellin in New Zealand provided you or they were not aware that the redundancy was to occur before you purchased your policy.
e] e]
Prohibition or regulation by any government.
f] f]
A tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour.
m] m]
An Epidemic or Pandemic
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
DISRUPTION OF JOURNEY You only have this cover if you choose Plan A, D, E, F or H. . WE WILL PAY We will reimburse your Reasonable additional meals and accommodation
g] g]
Delays or rescheduling by a bus line, airline, shipping line or or
h] h]
rail authority. The financial collapse of any transport, tour or accommodation provider.
i] i]
The mechanical breakdown of any means of transport.
j]
An act or threat of terrorism.
We will pay up to at the end of the initial hour period. In addition we will pay up to for each full hour period that the delay continues beyond the initial hour delay.
k] k]
The death, injury or sickness of any person who resides
The maximum amount we will pay for all claims combined under this
expenses if a disruption to your Journey, for at least hours, arises from circumstances outside your control.
outside of New Zealand. l]
Your pre-arranged leave being cancelled by your employer (where you are a full-time permanent employee).
Section is shown under the Table of Benefits for the Plan you have selected. 63
. WE WILL NOT PAY We will not pay if a disruption to your Journey arises from any of the following reasons: a] b] b] c]
If you can claim your additional meals and accommodation expenses from anyone else. The financial collapse of any transport, tour or accommodat accommodation ion provider If your claim arises directly or indirectly from an act or threat of terrorism.
YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
ALTERNATIVE ALTERNA TIVE TRANSPORT EXPENSES
You only have this cover if you choose Plan A, E or H.
by Allianz Global Assistance to reach a wedding, funeral, conference, sporting event or prepaid travel/tour arrangements on time if your scheduled transport is cancelled, delayed, shortened or diverted and that means you would not arrive on time. The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. . WE WILL NOT PAY a] If cancellation a] cancellation,, delay, shortening or diversion of your schedule scheduled d transport arises from the financial collapse of any transport, tour or accommodation provider. b] b]
If your your claim claim arises directly or or indirectly indirectly from an act or threat threat of terrorism.
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT
. WE WILL PAY We will pay your Reasonable additional travel expenses as determined
PAY.
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PERSONAL LIABILITY
You have this cover if you choose Plan A, B, C, D, E, F, G or H. . WE WILL PAY We will cover your legal liability for payment of compensation in respect of: • death, bodily injury or sickness, and/or • physical loss of damage to property, occurring during your Journey which is caused by an accident or a series of accidents attributable to one source or originating cause. We will also reimburse your Reasonable legal expenses for settling or defending the claim made against you. We decide whether the expenses were Reasonable. You must not accept liability without Allianz Global Assistance’s prior written approval. The maximum amount we will pay for all claims combined under
. WE WILL NOT PAY We will not reimburse you for anything you have to pay because of a legal claim against you for causing injury, death or damage to property, if the claim arises out of or is for: a] a]
Bodily injury to you, your Travelling Companion, or to a Relative Relative or employee of either of you;
b] b]
Damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, your Relative, or your Travelling Companion, or to an employee of either of you; Something arising out of the ownership, custody or use of any aerial device, watercraft or mechanically propelled vehicle;
c] c] d] d]
Something arising out of the conduct of a business, profession or trade;
e] e]
Any loss, 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
this Section is shown under the Table of Benefits for the Plan you have selected.
Fund, or under Workers’ Compensation Legislation, an Industrial Award or Agreement, or Accident Compensation Legislation; 65
f] f]
Any fine, penalty or aggravated, punitive or exemplary or liquidated damages;
g] g]
Disease that is transmitted by you;
h] h]
Any relief or recovery other than monetary amounts;
i]
Liability arising from a contract that imposes on you a liability which you would not otherwise have;
j] j]
Anything that is covered under any other insurance policy. We will be liable only for the amount your liability exceeds the limits of cover under any other policy;
k] k] l] l]
Assault and/or battery committed by you or at your direction; or Conduct intended to cause personal injury, property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge, consent or connivance.
DOMESTIC PETS You only have this cover if you choose Plan A, E or H. . WE WILL PAY We will reimburse you up to: a] for each hour period in respect of additional kennel or a] boarding cattery fees for domestic dogs and cats owned by you if you are delayed beyond your original return date due to an event covered under this policy. b] b]
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE
if your pet sufers an injury during your Journey and requires veterinary treatment, provided that at the time of the injury, your pet was in the care of a Relative, friend or boarding kennel.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected.
TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY. 66
. WE WILL NOT PAY Any kennel or boarding cattery fees incurred outside of New Zealand. YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
. WE WILL NOT PAY If you do not have a medical certificate confirming your disablement and verifying the need for housekeeping services necessary necessary whilst disabled. YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS” PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
DOMESTIC SERVICES
You only have this cover if you choose Plan A, E or H. . WE WILL PAY If you are injured during your Journey and become disabled as a result of the injury and the disablement continues after your return to New Zealand we will reimburse you up to per day in respect of expenses incurred in the provision of housekeeping services that you are unable to perform yourself. The maximum amount we will pay for all claims combined under
RENTAL VEHICLE EXCESS
You only have this cover if you choose Plan A, D, E, F, G or H. . WE WILL PAY We will reimburse the Rental Vehicle insurance Excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody. You must provide a copy of the repair account and/or quote.
this Section is shown under the Table of Benefits for the Plan you have selected.
This cover does not take the place of Rental Vehicle insurance and only provides cover for the Excess component up to the applicable Section limit. 67
In addition, we will pay up to for the cost of returning your Rental Vehicle to the nearest depot if your attending Medical Adviser or dentist certifies in writing that you are unfit to do so during your Journey. The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you have selected. . WE WILL NOT PAY We will not pay a claim involving the theft or damage to your Rental Vehicle if the claim arises directly or indirectly from: a] You operating a Rental Vehicle in violation of the rental a] agreement. b] You using the Rental Vehicle while afected by alcohol or b] any other drug in a way that is against the law of the place you are in.
c] c]
You using a Rental Rental Vehicle Vehicle without without a licence for for the purpose that you were using it.
YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS" PAGES to FOR OTHER REASONS WHY WE WILL NOT PAY.
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General Exclusions applicable to all Sections
Your claim is for a loss which is recoverable by compensation under any workers compensation or transport accident laws or by any government sponsored fund, plan, or medical benefit scheme, or any other similar type legislation required to be efected by or under a law.
Your claim arises from errors or omissions in any booking arrangements or failure to obtain relevant visa, passport or travel documents.
We will not pay under any circumstances if: GENERAL
You do not act in a responsible way to protect yourself and your property and to avoid making a claim.
Your claim arises because you act illegally or break any government prohibition or regulation including visa requirements.
You do not do everything you can to reduce your loss as much as possible.
Your claimorarises from aanything. government authority confiscating, detaining destroying
Your claim arises from consequential loss of any kind including loss of enjoyment.
At the time of purchasing the policy, you were aware of something that would give rise to you making a claim under
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 that does not hold a current motorcycle licence valid for the country
you are travelling in.
this policy.
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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 passenger travelling travelling on on a Moped or Scooter Scooter that that is in the control of a person that does not hold a current motorcycle or drivers licence valid for the country you are travelling in. Your claim arises because you did not follow advice in the mass media of any government or other oficial body’s warning: • against travel to a particular country or parts of a country; • of a strike, riot, bad weather, civil commotion or contagious disease; • of a likely or actual Epidemic or Pandemic (such as H5N1 Avian influenza); • of a threat of an Epidemic or Pandemic (such as H5N1 Avian influenza) that requires the closure of a country’s borders; • of an Epidemic or Pandemic that results in you being quarantined,
to the country or part of the country referred to in the warning). Please refer to www.who.int and www.safetravel.govt.nz for further information.
Your claim arises from any act of war, whether whether war war is declared or or not or from any rebellion, revolution, insurrection or taking of power by the military.
Your claim arises from a nuclear nuclear reaction or contamination from nuclear weapons or radioactivity.
Your claim arises from biological and/or chemical materials, substances, compounds compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and/or create public fear.
MEDICAL
Your claim arises arises from, from, is related to or associated with any Pre-existing Medical Conditions except as specified under the heading “Pre-existing Medical Conditions” on pages to .
and you did not take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel
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You take a blood-thinnin blood-thinningg prescription prescription medication such as Warfarin Warfarin (also known under the brand names Coumadin, Jantoven, Marevan, and Waran).
Your claim is in respect respect of travel booked booked or undertaken undertaken against the advice of any Medical Adviser.
Your claim arises arises directly directly or indirectly from from any injury or sickness where a metastatic or terminal prognosis was made prior to the issue of the Certificate of Insurance.
Your claim arises out of pregnancy, childbirth or related complications except as specified under the heading “Pregnancy” on page to .
Your claim arises directly or indirectly from a sexually transmitted disease, except where previously accepted by Allianz Global Assistance in writing according to the Pre-existing Medical Conditions process on pages to .
You were under the influence or addicted to intoxicating liquor or drugs except a drug prescribed to you by a Medical Adviser.
Despite Allianz Global Assistance’s advice otherwise following your call to them, you received private hospital or medical treatment where public funded services or care is available in New Zealand or under any Reciprocal Health Agreement between the government of New Zealand and the government of any other country.
Your claim arises from any medical procedures in relation to AICD/ICD insertion during overseas travel. If you, your Travelling Companion or a Relative (as listed on your Certificate of Insurance) requires this procedure, due to sudden and acute onset
Your claim involves involves a hospital where you are are being treated for addiction to or alcohol, or are using it as a nursing, convalescent or drugs rehabilitation place.
Your claim involves involves the cost of medication medication in use at at the time the Journey began or the cost for maintaining a course of treatment you were on prior to the Journey.
Your claim arises from or is in any way related to depression,
anxiety, stress, mental or nervous conditions. Your claim arises from suicide or attempted suicide.
which occurs for the first time during your period of cover and not directly or indirectly related to a Pre-existing Medical Condition, Allianz Global Assistance will exercise their right to organise a repatriation to New Zealand for this procedure to be completed.
Your claim arises arises from or is any way related to the death or hospitalisation of any person aged years and over, who is not listed on the Certificate of Insurance, regardless of the country in which they may live.
SPORTS AND LEISURE
Your claim arises because because you hunt, hunt, race (other than on on foot), foot), engage in Open Water Sailing, play polo, go mountaineering or rock climbing using ropes or climbing equipment (other than for hiking) or from professional sport of any kind, or from parachuting or hang gliding.
Your claim arises because you dive underwater using an artificial breathing apparatus, unless you hold an open water diving licence issued in New Zealand or you were diving under licensed instruction.
Your claim arises from from travel travel in any air supported device other
Claims HOW TO MAKE A CLAIM You must give Allianz Global Assistance notice of your claim as soon as possible by completing the Claim Form supplied by their Client Services department department and posting to the address shown on the Claim Form. If the Claim Form is not fully completed by you, Allianz Global Assistance cannot process your claim. If you do not, we can reduce your claim by the amount of prejudice we have sufered because of the delay. You must give Allianz Global Assistance any information they reasonably ask for to support your claim at your expense, such as but not limited to police reports, reports, valuations, medical reports, original receipts or proof of ownership. If required, Allianz Global Assistance may
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than as a passenger in a fully licensed aircraft operated by an airline or charter company. This exclusion does not apply to regulated or licensed ballooning.
ask youthem to provide us with translations into English such documents to enable to carry out their assessment of yourof claim.
72
You must co-operate with Allianz Global Assistance at all times in relation to the provision of supporting evidence and such other information as they may reasonably require. a] a]
For medical, hospital or dental claims, contact Allianz Global Assistance as soon as practicable.
b] b]
For damage or permanent loss of your Luggage and Personal Efects, report it immediately to the police and obtain a written notice of your report.
c]
For damage or misplacement of your Luggage and Personal
d] d]
CLAIMS ARE PAYABLE IN NEW ZEALAND DOLLARS TO YOU We will pay all claims in New Zealand dollars. We will pay you unless you tell us to pay someone else. The rate r ate of currency curre ncy exchange that will apply is the rate at the time you incurred the expense. YOU MUST NOT ADMIT FAULT OR LIABILITY In relation to any claim under this policy you must not admit that you are at fault, fault, and you must not not ofer or or promise to pay pay any money, money, or become involved in litigation, without Allianz Global Assistance’s approval.
Efects caused byprovider, the airline or any operator or accommodation report theother damage or misplacement to an appropriate oficial and obtain a written report, including any ofer of settlement that they may make.
DEPRECIATION Depreciation will be applied to claims for Luggage and Personal Efects at such rates as reasonably determined by Allianz Global Assistance.
Submit full details of any claim in writing within days of your return.
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 pay under this policy, you must do everything you can to help us do
that in legal proceedings. If you are aware of any third party that you or we may recover money from, you must inform Allianz Global Assistance of such third party. 73
IF YOU CAN CLAIM FROM ANYONE ELSE, WE WILL ONLY MAKE UP THE DIFFERENCE 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
SUBROGATION Allianz Global Assistance may, at their discretion, undertake in your name and on your behalf, control and settlement of proceedings for our own benefit in your name to recover compensation or secure
full amount of your claim, we will make up the diference. You must claim from them first.
indemnity from any party in respect of anything covered by this policy. You are to assist and permit to be done, all acts and things as required by Allianz Global Assistance for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this policy regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss. These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this policy.
OTHER INSURANCE If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you are paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you are not paid the full amount of your claim, we will make up the diference. We may seek contribution from your other insurer. You must give Allianz Global Assistance any information they reasonably ask for to help us make a claim from your other Insurer.
RECOVERY Allianz Global Assistance will apply any money they recover from someone else under a right of subrogation in the following order:
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To Allianz Global Assistance, their administration and legal costs arising from the recovery To us, an amount amount equal equal to the amount amount that that we paid to you under the policy
To you, your uninsured loss (less your Excess) . . To you, your Excess Once we pay your total loss we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you. If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you. BUSINESS TRAVELLERS AFFECTS YOURofCLAIM If you are entitled to claim – anHOW input GST tax credit in respect a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit.
TRAVEL WITHIN NEW ZEALAND ONLY If you are entitled to claim an input tax credit in respect of your premium you must inform Allianz Global Assistance of the amount of that input tax credit (as a percentage) at the time you first make a claim. If you fail to do so, you may have a liability for GST if we pay you an amount under this policy. FRAUD Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. You can help by reporting insurance fraud. All information will be treated as confidential and protected to the full extent under law. Report insurance fraud by calling + .
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Health Tips 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: • Itinerary • Duration of travel • Style of travel • Past medical history • Pregnancy • Allergies • Pre-existing Conditions • Vaccination requirements • Disease prevention • Medication (ensure that any medications taken with
TIPS FOR LONG DISTANCE TRAVELLERS • While travelling, regularly exercise the lower limbs to encourage blood flow • Drink plenty of non-alcoholic drinks to prevent dehydration
The Three R’s of Travel Vaccination ROUTINE VACCINATIONS (childhood VACCINATIONS (childhood or adult vaccinations) • Tetanus/diphtheria • Polio • MMR • Inuenza • Pneumococcal • Varicella
OTHER USEFUL TIPS • Carry a small rst-aid kit with you containing a packet of adhesive dressings, some insect repellent, antiseptic cream and water sterilisation tablets (this takes up little space and could be useful). Emergency
REQUIRED VACCINATIONS When crossing international borders certain vaccinations are required. • Yellow Fever • Cholera • Meningococcal
medical travel kits are available. • Unless you know the water you are using is safe (bottled water usually is), sterilise all drinking water either by boiling or using sterilisation tablets
RECOMMENDED VACCINATIONS VACCINAT IONS There are some vaccinations recommended when travelling overseas specific to your destination. These may include: • Hepatitis A • Hepatitis B • Typhoid • Japanese Encephalitis • Poliomyelitis
• It is unwise to have your skin pierced (ie. acupuncture, tattooing, ear piercing, etc.) unless you can be sure that
you are legal legal in the country country you will visit – make sure you carry a letter of approval approval from your doctor/dentist doctor/dentist for any essential medication you need to take with you) 76
Notes
• Rabies • Cholera the equipment is sterile – sterile. a needle wiped withon an alcohol swab isused not necessarily Keep a note your person advisi advising ng of any signific significant ant medical medical conditio condition n affecting you (eg. diabetes, angina pectoris, haemophilia).
Please see your doctor to identify your specific needs.
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Emergency Free Call Telephone Numbers If you are in one of the countries listed below, simply dial the number shown for that country. For all other countries, dial reverse charge (“collect”) via the local operator on: +
Australi ralia Aust
Italyy Ital
Canada Canada Chinaa (Nor Chin (North) th) Chinaa (Sou Chin (South) th) France Fran ce Germany Germ any Greece Gree ce
Japan Japan Netherlan Neth erlands ds New Zeal Zealand and Singapor Sing aporee Switzerl Swit zerland and Thailand land
