Words With Special Meanings

Following is the list of words with special meanings as found within the policy wording.

Accident means an unexpected, unintended, unforeseeable event causing injury. The accident must happen while you are on a Trip and covered under the policy.

AICD/ICD means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD).

Amount Payable means the total amount payable for the policy in accordance with the rates set out in the Schedule of Benefits. It includes administration fees payable to the Agent, stamp duty, policy issue fee, GST if applicable and the premium payable to the insurer.

Applicable Limit means the sum insured specified in the Schedule of Benefits for the Plan selected on the Travel Insurance Policy.

Carrier or 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 in medicine. We do not consider that chronic pain has to be ‘constant’ pain, however in many situations it has a pattern of relapse and remission. The pain, disease or medical issue may be long- lasting, recurrent (occurred on more than 2 occasions) or characterised by long suffering.

Dependent means your children or grandchildren not in full time employment who are under the age of 21 and are travelling with you on the Trip.

Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.

Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.

Family means you and your travel partner named in the Certificate of Insurance and your Dependent children/grandchildren under the age of 21, at the date of policy issue, travelling with you, listed as covered on your Certificate of Insurance.

Home means your usual place of residence in Australia.

Injury means a bodily injury caused solely and directly by violent, accidental, visible and external means, during your period of cover and which does not result from any illness, sickness or disease.

Insolvency means bankruptcy, provisional liquidation, liquidation, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.

Luggage and Personal Effects means any personal items owned by you and that you take with you or buy on your Trip 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.

Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race.

Pre-existing Medical Condition means:

1. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
2. A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor);
3. Any condition for which you take prescribed medicine;
4. Any condition for which you have had surgery;
5. Any condition for which you see a medical specialist; or
6. Pregnancy.

This definition applies to you, your Travelling Party or a Relative.

Public 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, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas.

Reasonable means for medical or dental expenses, the standard level of care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your Trip or, as determined by us.

Relative means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or a member of your Travelling Party’s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter- in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.

Rental Vehicle means a campervan/motorhome that does not exceed 4.5 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 Australia means someone who currently resides in Australai and is eligible for an Australian Medicare card.

Single means covering you and your Dependent children/grandchildren under the age of 21, at the date of policy issue travelling with you listed as covered on your Certificate of Insurance.

Sudden Illness or Serious Injury means a condition which first occurs during your period of cover and which necessitates treatment by a legally qualified medical practitioner and which results in you or any other person to which this Insurance applies being certified by that medical practitioner at the time as being unfit to travel or continue with your original Trip.

Travelling Party means those people defined in Family and any travelling companion who has made arrangements to accompany you for at least 50% of the Trip.

Trip means the period of travel stated in the Certificate of Insurance. It begins on the date of departure as stated in the Certificate of Insurance and ends when you return to your Home, or when the period of the Trip set out in the Certificate of Insurance ends, whichever happens first.

Unsupervised means leaving you Luggage and Personal Effects:

1. With a person you did not know prior to commencing your Journey;
2. In a position where it can be taken without your knowledge; or
3. At such a distance from you that you are unable to prevent it being taken.

We, our, us, means Allianz Australia Insurance Limited.

You or Your means the person or people named in the Certificate of Insurance as well as their accompanying Dependent children/grandchildren who are under 21 years of age at the date of policy issue.