NEW ZEALAND STUDENT PLAN - Travel and Medical Insurance Policy Wording. Covers international students studying in New Zealand - Uni-Care
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NEW ZEALAND
STUDENT PLAN
Travel and Medical Insurance Policy Wording.
Covers international students studying
in New Zealand.
UCF001D INBOUNDPDNZSTU 6.7.
0
This Policy, issued/insured by nib nz limited (“nib”), consists of this policy wording and the Certificate of
Insurance. . All cover is subject to payment of the required premium, and is also subject to all the terms,
conditions and exclusions of the Policy This Policy does not cover any event which happens to You unless,
at the date of such event, You are aged 65 years or under.
Your Duty of Disclosure
Before You enter into this Policy You have a duty to disclose to Us every matter that You know, or could
reasonably be expected to know, is relevant to Our decision (or the decision of a prudent insurer in the
circumstances) of whether to accept the risk of the insurance and if so on what terms. You have the same
duty to disclose those matters to Us before You renew, extend, vary or reinstate this Policy.
Your duty does not extend to matters;
that diminish the risk to be undertaken by Us.
that are of common knowledge.
that We know or in the ordinary course of Our business ought to know.
where compliance of Your duty is waived by Us.
If You fail to comply with this duty of disclosure, We may be entitled to reduce Our liability under this Policy
in respect of a claim, or may cancel this Policy retrospectively.
UCF001D INBOUNDPDNZSTU 6.7.
1Maximum Benefits Payable
(SUMMARY ONLY – SEE CERTIFICATE OF INSURANCE)
The following table is a summary only of the maximum benefits and limits available. They apply per Insured
Person and are based on a maximum period of insurance of 365 days from the Policy Start Date. They
apply to Your Policy regardless of:
whether Your Period of Insurance is a different period, and
the number of policies You arrange with Us over those 365 days.
Please refer to each Policy section for specific conditions of cover and a detailed explanation of coverage
under each section and the Schedule of Benefits in NZ$ in the Certificate of Insurance.
Cover Maximum over 12 months
SECTION 1: Medical and Related Expenses (Including Evacuation, Repatriation, Unlimited
and Cancellation)
Sub-limits
Alternative Medical Treatment $500
Optical Cover* $300
Treatment of Mental Illness and Counselling $20,000
Sexual Health Consultation $250
Medical Expenses for temporary return to Country of Origin $200,000
Continuing Treatment in Country of Origin $20,000
Loss of Deposits $100,000
Repatriation due to Mental Illness, Suicide & Drugs/Alcohol $10,000
Resumption of Travel $30,000
Accompanying Relatives (includes cover for Pregnancy, Suicide and Drugs/Alcohol) $100,000
In Hospital Personal Cash $10,000 ($100 per day)
Funeral Expenses $100,000
False Arrest $10,000
Hijack Cash $10,000 ($100 per day)
Rental Vehicle Return $1,000
Travel Delay $10,000
Search and Rescue $10,000
Denial of boarding due to suspicion of contracting Covid-19 $1,400 ($200 per day)
SECTION 2 LUGGAGE AND PERSONAL EFFECTS $15,000
Sub-limits
Deprivation of Luggage $1,000
Replacement Travel Documents $3,000
Unauthorised use of Travel Documents $5,000
Money lost or stolen $1,000
Fire Damage $12,000
Maximum Individual Item Value (unless specified and additional premium paid) $2,500
SECTION 3 MISSED TRANSPORT CONNECTION $25,000
SECTION 4 DEATH OR DISABLEMENT BY INJURY $50,000
Death for under 16 years of age $10,000
SECTION 5 PERSONAL LIABILITY $2,500,000
SECTION 6 KIDNAP AND RANSOM $250,000
UCF001D INBOUNDPDNZSTU 6.7.
SECTION 7 RENTAL VEHICLE EXCESS $5,000
*only applicable to policies issued for 6 months or longer.
For family policies, the maximum limits available are two times the limit shown in this table (unless something
else is provided in the remainder of this Policy or Your Certificate of Insurance) and the limits are shared
between all family members on a Policy.
2Your Policy Lombok and the Pacific Islands and
return to New Zealand during the Period
of Insurance.
This Policy is designed to provide cover for
non-New Zealand residents aged 60 years or 2. CANCELLATION
under, who study, and temporarily reside in This Policy may be cancelled by You by giving
New Zealand. notice to Us, either:
The Policy consists of: (a) between the Date Issued stated on Your
Certificate of Insurance and the Policy
This policy wording, and Start Date, or;
The Certificate of Insurance.
(b) within 14 days of the Policy Start Date,
They are to be read together as one contract. providing You have not claimed.
The benefit amounts shown in the Schedule of Upon cancellation of this Policy by You, We
Benefits in NZ$ (in the Certificate of will refund the premium as follows:
Insurance) are the maximum amounts
payable over the 365 days from the Policy (i) If cancellation takes place within
Start Date, regardless of the number of 14 days of the Date Issued and You
Policies You arrange with Us over that 365- have not claimed or commenced
day period. However, Your cover under this travel, We will retain 30% of the
Policy always ends in accordance with the premium for administration purposes
Period of Insurance for Your selected Policy. and for the period during which Loss
Sub-limits apply to some Sections. of Deposits and Cancellation cover
was in force.
General Conditions
APPLICABLE TO ALL SECTIONS (ii) If cancellation takes place within 14
days of the Policy Start Date, Your
UNLESS SPECIFIED OTHERWISE
Policy is for a period of 90 days or
longer and You have not claimed, We
1. AUTOMATIC EXTENSIONS
will refund the unused premium to You
(a) We will automatically extend the Period of
on a pro-rata basis less 30% for
Insurance for up to 3 consecutive months
administration purposes and the
from the Policy End Date if Your return to
period during which Loss of Deposits
Your Country of Origin is put back due to
and Cancellation cover was in force.
a delay of transport or Your inability to
Travel due to a Sickness or Injury for
We can cancel this Policy upon giving You 14
which a claim is payable under this Policy.
days’ notice in writing if:
(b) You are covered up to 9 days, each way,
(a) You fail to comply with the duty of the
in transit between Your Country of Origin
utmost good faith.
and New Zealand during the Period of
Insurance.
(b) You fail to comply with the duty of
disclosure.
(c) Providing You return home (to Your
Country of Origin) on a temporary basis
(c) You, at the time when the contract was
(i.e. You intend to return to New Zealand),
entered into, made a misrepresentation to
for a period not exceeding 3 months,
Us during the negotiations for the contract
(unless an extension has been requested
but before it was entered into.
and agreed to by Us), You are covered in
respect of sections 1A(1), Medical
(d) You fail to comply with a provision of the
Expenses and 1B(1), Loss of Deposits.
contract, including a provision with respect
The maximum benefit in respect of 1A(1)
to payment of the premium.
Medical Expenses for this Automatic
UCF001D INBOUNDPDNZSTU 6.7.
Extension is $200,000. There is no cover
(e) You make a fraudulent claim under the
under 1A(1)a-d in Your Country of Origin
contract or under some other contract of
insurance (whether with Us or with some
(d) You are covered for a maximum of 31
other insurer) that provides insurance
days for temporary visits to Australia, Bali,
3cover during any part of the period during reports and documentation: such as
which the first-mentioned contract police reports, doctor’s reports,
provides cover. transport provider’s reports, receipts,
valuations or proof of ownership.
3. CLAIM OFFSET
Except for Section 4 Events 1 & 2 inclusive, (v) As soon as possible after suffering
there is no cover under this Policy for any Injury or Sickness obtain and follow
event, or liability that is covered: proper medical advice from a Medical
Practitioner.
under any other insurance policy, health or
medical scheme or Act of Parliament. (vi) Lodge a written claim against any
under any free health care or treatment is person, party, hotel or transport
readily available in New Zealand or under provider who may be legally liable for
any reciprocal health agreement between loss arising from Your Injury or
the Government of New Zealand and Sickness.
the1Government of any other country or is
payable by any other source or a health (vii) Contact the claims department for
insurance policy obtained as a condition of prior approval of any claim requiring
Your entry visa into New Zealand. surgery, or any claim where the costs
are expected to exceed $1,000.
We will however pay the difference between
what is payable under the other insurance (b) You must not admit liability in respect of
policy, health or medical scheme or Act of any loss to other people.
Parliament or reciprocal health agreement or
such other source and what You would be 5. CURRENCY
otherwise entitled to recover under this Policy. All amounts stated in the Policy including the
Schedule of Benefits are in New Zealand
4. DUTIES AND RESPONSIBILITIES dollars. For reimbursement and payments into
(a) Upon the happening of an event an international/overseas bank account a fee
potentially covered under this Policy, You will be applied. No fee is applied to New
must immediately: Zealand Bank Accounts.
(i) Do as much as You can to prevent 6. LAW
any loss or liability. This Policy shall be governed by New Zealand
law and any dispute or action in connection
(ii) Contact nib nz limited at with this Policy will be conducted and
assist@nibtravel.com or via telephone determined in New Zealand.
toll free in New Zealand 0800 864227
(0800 UNICARE) or if you are outside 7. PROOF OF LOSS AND PHYSICAL
New Zealand on +64-4-381 8166 EXAMINATION
(collect) if You are to be You or any other person covered by this
Hospitalised, evacuated or Policy, must provide Us immediately with full
repatriated or have lost all of Your particulars of any claim made against You by
Luggage and Personal Effects or any other person and all legal documents
money. served on You or any other person covered by
this Policy. We may at Our own expense
(iii) Direct all claims communications to: conduct any medical examination or arrange
Email: claims@crombie.co.nz for an autopsy to be carried out.
Telephone: in New Zealand telephone
toll free 0800 864 227 (0800 8. RENEWAL
UNICARE) or if You are outside New This Policy may be renewed, with Our
Zealand telephone: +64 4 381 8166 consent, by payment of the applicable renewal
(collect). Post: nib nz limited, P.O. Box premium. You are unable to renew Your
91630 Victoria Street West, Auckland, Policy retrospectively so You must advise Us
New Zealand1142, if renewal is required before Your Policy
UCF001D INBOUNDPDNZSTU 6.7.
Expiry Date.
(iv) When You have completed a
claim form, return it to the address When You renew Your Policy (with no gaps or
shown above, making sure You lapse in cover) We will continue to cover any
provide the Policy number, supporting accepted Injury or Sickness that has arisen
4while insured by Us. However, We have the 13. CLAIMS EXCESS
option to repatriate You to Your Country of An Excess is the amount that You must
Origin if You are no longer, in Our Medical pay first for all Your covered losses arising
Practitioner’s opinion, medically fit to remain from a single event before You can claim
in New Zealand for the purpose of study. under Your policy.
Should You refuse to follow the advice of Our An Excess applies to the below sections
Medical Practitioner We will no longer pay for of the policy:
any ongoing related medical costs in New
Zealand from the date of recommendation for Section 2 (Luggage and Personal
repatriation. Effects) where there is an Excess of
$200 for Technology Items and $100
9. REQUIRED INFORMATION for other claims under section 2; and
All claims must be notified to Us as soon as Section 2 (Luggage and Personal
practicable and all medical certificates, Effects) where there is an Excess of
accounts, receipts and information required by $12,000 for loss or damage due to a
Us shall be furnished in such form and in such natural disaster (as defined in the
reasonable time as We require. Original Earthquake Commission Act 1993).
documents must be produced. Section 5 (Personal liability) where
there is an Excess of $100.
10. LEGAL DEFENCE/SUBROGATION
We have the right to commence or take over
legal proceedings in Your name, for the
defence or settlement of any claim, or to sue WHAT SHOULD I DO IF I HAVE A
or prosecute any other party to recover any MEDICAL EMERGENCY?
monies payable by them at law. You must co-
operate with Us and do nothing to hinder Our If you experience a medical emergency in
rights. We may choose the lawyer to defend New Zealand call 111, or in Australia call
You and You waive privilege in any 000 or visit the nearest medical facility. If
communications with Our lawyer. you have been admitted to hospital please
call our 24/7 emergency assistance team on
+64-4-381 8166 as soon as possible
11. UNTRUE OR INCOMPLETE
INFORMATION HOW DO I SUBMIT A CLAIM?
You are covered under this Policy provided
that the information You supply relevant to To submit a claim please complete your
Your application is both complete and factual. claim form in English and send this to
If any information is untrue, incomplete, claims@crombie.co.nz. Please include any
misleading or is not disclosed to Us, We do supporting documents including medical
reports, receipts or police reports.
have the right to void this Policy and We are Claims forms are available in multiple
not obliged to pay Your claim. languages but it is important that you
complete them in English. Please provide
Insurance fraud is illegal and comes at a cost the required supporting documents when
to all policy holders. If You have made a false submitting a claim. Please ensure these are
or misleading claim please contact Us in English. Translation costs (if applicable)
immediately to withdraw the claim. No penalty are not claimable and at your own expense
is applied when You withdraw a claim.
HOW CAN I CHANGE OR UPDATE MY
POLICY?
12. GOVERNMENT CHARGES
All premium costs include GST and NZ Please contact the Crombie Lockwood
Government Fire Service and other policy administration team on either: +64 9
Government fees (if applicable) that You are 362 4039 or via email insure@uni-care.org
legally required to pay.
Definitions
UCF001D INBOUNDPDNZSTU 6.7.
In this Policy the following definitions apply to
the words in bold font. The definitions apply to
all derivatives of the words defined.
5Alternative Medical Treatment means Hospital means any institution lawfully
reasonable expenses necessarily incurred by operated for the care and treatment of sick or
You within 12 calendar months of sustaining injured persons with organised facilities for
Injury or Sickness in respect of medical diagnosis and surgery and having 24 hours a
advice or treatment by Chiropractors, day nursing service and medical supervision;
Acupuncturists, Osteopaths, Podiatrists, but does not include any institution used
Dieticians, Nutritionists and Dermatologists primarily as a nursing or convalescent home, a
provided they are registered members of a place of rest, a geriatric care facility, a mental
recognised professional body for that type of institution, a rehabilitation or extended care
Alternative Medical Treatment provider. facility or a place for the care or treatment of
alcoholics or drug addicts.
Certificate of Insurance means the latest
Certificate of Insurance attaching to this Policy Injury means physical and bodily injury which
and forming part of it. It contains the Schedule happens to You as a result of accidental and
of Benefits in NZ dollars. external violence during the Period of
Insurance and which results solely and
Change in Vision means an ophthalmologist, directly and independently of any other cause
optometrist, or optician diagnoses changes in within 12 calendar months of the date of
Your vision requiring new glasses or contact occurrence of such Injury.
lenses.
Kidnapping/Kidnapped means the seizing,
Country of Origin is that country outside New detaining or carrying away of You by force or
Zealand in which You have established fraud for the purpose of demanding Ransom
permanent residency and/or is where Your
Travel commenced. Luggage and Personal Effects means
personal items owned by You that You take
Eligible Person means persons who are travelling with You and/or bring with You to
entitled to access to the New Zealand Public New Zealand, or any items purchased while in
Health System due to Reciprocal Health New Zealand. This does not include business
Agreements with their Country of Origin and samples, trade samples, software or electronic
New Zealand. data.
Excess means the amounts stated in this Manual Work means skilled and unskilled
Policy that You must pay first for all Your manual work, other than that of an academic
covered losses arising from a single event nature.
before You can claim under Your policy.
Medical Expenses means reasonable
Family means You and/or Your Spouse and expenses necessarily incurred by You within
Your financially dependent children and legal 12 calendar months of sustaining Injury or
wards 18 years of age and under who remain Sickness in respect of medical advice or
in Your full custody and control during the trip. treatment by a Medical Practitioner, nurse,
The benefit shown in the Schedule of Benefits Hospital and/or ambulance service for
Payable is twice the individual amount shown medical, surgical, diagnostic services,
and is shared by the Family, unless provided Hospital or nursing treatment, including
otherwise in this Policy. physiotherapy, the cost of medical supplies
and ambulance hire prescribed by a Medical
Financial Default means insolvency, Practitioner. It includes Alternative Medical
bankruptcy, provisional liquidation, liquidation, Treatment if that treatment has followed
financial collapse, appointment of a receiver, referral by a Medical Practitioner. This does
manager or administrator, entry into any not extend to cover Chinese or Ayurveda
official or unofficial scheme of arrangement, Medicine.
statutory protection, restructuring or
composition with creditors, or the happening of Medical Practitioner means any person who
anything of a similar nature under the laws of is, or is deemed to be, registered with the
any jurisdiction. Medical Council of New Zealand as a
UCF001D INBOUNDPDNZSTU 6.7.
practitioner of the profession of medicine and
Hazardous means a risk likely to cause Injury who holds a current practicing certificate. This
or loss. does not extend to cover family councillors or
social workers.
6Negligence means Your failure to exercise Relative means Your Spouse, de-facto
the care that a reasonable person would Spouse, parent or step-parent or guardian,
exercise in the same circumstance. parent-in-law, daughter, son, daughter or son-
in-law, brother or sister, provided such
Pacific Islands means Fiji, Cook Islands, person(s) are under 76 years of age and is
Samoa, American Samoa, Tahiti, Tonga, Niue resident in Your Country of Origin.
and Vanuatu.
Rental Vehicle means a vehicle, such as a
Public Place means, but is not limited to, sedan or station wagon, rented from a licensed
shops, airports, train stations, streets, hotel motor vehicle rental agency.
foyers and grounds, restaurants, beaches,
public toilets and any place to which the public Serious Injury or Serious Sickness (in
has access. respect of a Relative or any other person on
whose state of health the Travel depends)
Period of Insurance means from the Policy means a life threatening medical condition that
Start Date until Your return to Your Country first manifested itself during Your Period of
of Origin, or the Policy End Date, whichever Insurance.
occurs first, except for section 1B(1) where
cover shall start on the day the premium is Sexual Health Consultation means a
paid or six months prior to the commencement consultation arranged through a Medical
of Your Travel whichever is the later, provided Practitioner for the purpose of diagnosing
the cover is granted by Us. Sexually Transmitted Infections (STIs),
Sexually Transmitted Diseases (STDs) or
Policy Start Date means the date shown as Venereal Diseases (VD).
the Policy Start Date in the Certificate of
Insurance. Sexually Transmitted Infections (STIs),
Sexually Transmitted Diseases (STDs) or
Policy End Date means the date shown as Venereal Diseases (VD) means diseases that
the Policy End Date in the Certificate of are passed on from one person to another
Insurance. through any sexual contact.
Present Day Value means the purchase Sickness means any illness or disease
amount paid for an item, or the current market (including symptoms thereof).
value of an item, whichever is the lesser.
Spouse means Your husband or wife or the
Pre-existing Condition/s means, in relation to person who cohabits with You in a nature of a
You or any other person on whom Your Travel marital, de-facto or civil union relationship
depends, any medical or physical conditions or during the 90 days immediately preceding the
circumstances: Period of Insurance.
(a) which You are aware of, or ought to have
been aware of; or Technology Item means mobile phones
(b) for which advice, care, treatment, including smart phones, digital cameras,
medication or medical attention has been photographic, audio, video and electrical
sought by You, equipment (including CDs, DVDs, video and
(c) which have been diagnosed as a medical audio tapes and electronic games), computers,
condition, or a Sickness or indicative of a tablets, audio or media players, wireless
Sickness; or headphones, wired headphones, electric
(d) which are of such a nature to require, or scooters and drones.
which potentially may require medical
attention; or Terrorist Act means any actual or threatened
(e) which are of such a nature as would have use of force or violence directed at or causing
caused a prudent, reasonable person to damage, Injury, harm or disruption, or
seek medical attention committing of an act dangerous to human life
prior to the commencement date of Your or property, against any individual, property or
Policy. government, with the stated or unstated
UCF001D INBOUNDPDNZSTU 6.7.
objective of pursuing economic, ethnic,
Ransom means any monetary loss which is nationalistic, political, racial or religious
incurred in the provision and delivery of cash, interests, whether such interests are declared
marketable goods, services or property to or not. Robberies, or other criminal acts,
secure the release of You when Kidnapped. primarily committed for personal gain and acts
7arising primarily from prior personal Unforeseen means sudden, unexpected, and
relationships between perpetrator(s) and unintended
victim(s) shall not be considered Terrorist Acts.
Terrorism shall also include any act that is War means war, whether declared or not, or
verified or recognised by the (relevant) any warlike activities, including use of military
Government as an act of terrorism. force by any sovereign nation to achieve
economic, geographic, nationalistic, political,
Total Disablement means disablement which racial, religious or other ends.
continues for 12 consecutive months and at
that time is certified by a Medical Practitioner We/Our/Us means nib nz limited.
as being beyond hope of improvement which
results in Your complete inability to engage in You/Your means the Insured Persons as
or attend to any gainful employment for which specified in the Certificate of Insurance.
You may become through rehabilitation and
retraining reasonably qualified to perform by *Words in the singular include the plural and
reason of education, training or experience. vice versa.
Travel means:
(a) Travel undertaken by You during the
General Exclusions
Period of Insurance to study, travel and APPLICABLE TO ALL SECTIONS
temporarily reside in New Zealand. UNLESS OTHERWISE SPECIFIED
(b) In respect of Section 2(5) specifically We will not pay under any Section of this
relating to money acquired for the Policy for any claim arising directly or indirectly
Travel,72 consecutive hours prior to the out of:
loss and following payment of the premium
to Us. 1. Air travel except as a passenger in any
properly licensed passenger carrying
(c) In respect to all other sections from the aircraft. This does not apply to hot air
time You depart Your Country of Origin ballooning.
for commencement of Your travel; and
continues until: 2. Pregnancy, childbirth or abortion if the
pregnancy existed at the time the Policy
(i). You return to Your Country of was issued.
Origin, other than as provided by
Automatic Extension 1(c) 3. Pregnancy, childbirth or abortion if the
(ii). the expiration of the Period of pregnancy commenced after the Policy
Insurance (unless renewed) was issued, except where such costs are
(iii). the Policy’s cancellation date; incurred because of unexpected medical
complications or emergencies that occur
whichever occurs first up to and including the 20th week of
pregnancy.
Ultimate Net Loss means the final amount of
Ransom cost less any recoveries. If following 4. Infertility or birth control.
Our payment part or all of the Ransom is
recovered You are required to reimburse Us 5. In respect to a child born during the
the value of the amount so recovered. Period of Insurance, We will not pay for
post-natal care or for any amount in
Unattended means any of the following excess of $100,000 under section 1A for
a) leaving Your Luggage and Personal the treatment of condition(s) existing prior
Effects with a person who is not covered to or at birth.
under Your Policy or who is not a Relative b)
leaving it in any position where it can be taken 6. Sexually transmitted disease or Acquired
without Your knowledge or c) leaving it at such Immune Deficiency Syndrome (AIDS) or
UCF001D INBOUNDPDNZSTU 6.7.
a distance from You that You are unable to Human Immunodeficiency Virus (HIV)
prevent it being taken. This also means infection except as provided under Section
leaving Your Luggage and Personal Effects 1A1(d) (Medical Expenses: Sexual Health
behind, forgetting it or walking away from it. Consultation).
87. Any cost relating to medical treatment for 19. You being under the influence of alcohol
hair loss. and/or drugs.
8. Any cost relating to a Relative’s Pre- 20. You engaging in any activity associated
existing Medical Condition with any criminal act.
9. Hunting, racing (other than on foot), 21. Government intervention at a national or
playing polo, professional sport, regional level, or by reference to
mountaineering, rock climbing using ropes geographical area(s), population levels,
or climbing equipment, pot holing, communities or cluster levels, including
motorcycling unless the total engine but not limited to: border closures,
capacity of the motorcycle is 200cc or less mandatory testing, voluntary isolation,
(a motorcycle licence must also be held at mandatory isolation/quarantine, and public
the time and place where the claim lockdowns
occurred), skydiving (unless under the
supervision of a qualified instructor), hang- 22. Any loss, injury, damage or legal liability
gliding, ocean yachting (unless cover has arising directly or indirectly from travel in,
been approved by Us), or deliberate to or through an “Avoid non-essential
exposure to exceptional danger, including travel” area or “Do not travel” area as
Hazardous pursuits. See page 21 for the listed on the Safe Travel website
full list of accepted activities. (safetravel.govt.nz).
10. Radioactive contamination or radioactivity 23. Any loss, injury, damage or legal liability
in any form whatsoever whether occurring suffered or sustained directly or indirectly
naturally or otherwise. by You if You are:
11. War. (a). a terrorist;
(b). a member of a terrorist organisation;
12. Intentional use of military force to (c). a narcotics trafficker; or
intercept, prevent, or mitigate any known (d). a purveyor of nuclear, chemical or
or suspected Terrorist Act. biological weapons.
13. Any Terrorist Act. 24. Sexual Health Consultation expenses that
are:
Note: Exclusions 12 and 13 do not apply (a). Routine smear tests;
to Sections 1A, 1B2(a), 1B2(b), 1B4, (b). Contraception or condoms;
1B5(a) and1B5(b). (c). Any diagnostic or treatment outside of
New Zealand;
14. You Travelling against medical advice or
when You are medically unfit to Travel. 25. Incurred for tests, vaccinations or health
screening for immigration/visa
15. Travel undertaken for the purpose of requirements.
receiving medical treatment (whether or
not this was the sole purpose for such 26. Incurred costs for screenings or
Travel) unless agreed to by Us prior to the investigations where no signs or
departure date for the Travel. symptoms are present (with exception of
Sexual Health Benefit 1A1d).
16. Depression, stress, anxiety, mental or
nervous disorder, suicide or attempted 27. Reinstatement, replacement, loss or
suicide or self-Injury. damage to any electronic data or software
including any consequential loss.
17. Diving underwater using an artificial
breathing apparatus unless You hold an 28. The medical treatment costs of injuries
open water diving license or You were caused by accidents in New Zealand that
UCF001D INBOUNDPDNZSTU 6.7.
diving under licensed instruction. are covered by the New Zealand Accident
Compensation Commission (ACC).
18. Manual Work or Hazardous work (except
of an academic nature) unless We have 29. Your disinclination to Travel.
agreed to their inclusion.
930. Travelling against local or New Zealand (ii). You require lenses as a result of a
Government advice or Travelling against Change in Vision; or
Our advice. (iii). You require optical aids for the first
time in Your life,
31. A likely or actual epidemic/pandemic during the Period of Insurance
declared by a government or WHO
(who.int). (c). MENTAL ILLNESS:
Subject to a limit of $20,000, We will reimburse
Section 1A: You for all Medical Expenses incurred for the
treatment of depression, stress, anxiety,
Medical and Related mental or nervous disorder, suicide or
attempted suicide or self-injury.
Expenses
Note:
1. MEDICAL EXPENSES General Exclusion 16 does not apply to 1A
We will reimburse You for Medical Expenses 1(c).
incurred for the treatment of an Injury or
Sickness suffered during the Period of (d). SEXUAL HEALTH CONSULTATION
Insurance including the costs associated with Provided Your Policy has a Period of
medical evacuation which has been approved Insurance of 180 days or more We will pay the
by Us. costs incurred, to a maximum of $250, for one
Sexual Health Consultation, required
However, this reimbursement is subject to the diagnostics and subsequently required
limitations contained in subsections (a) to (e) prescription costs whilst in New Zealand.
below:
(e). ALTERNATIVE MEDICAL
(a). DENTAL TREATMENT
We will reimburse You for the cost of We will reimburse you for the cost of
treatment for: Alternative Medical Treatment for up to $500
(i). Injury to teeth suffered during the Period over the 12 month period beginning on the
of Insurance, and Policy Start Date but subject overall to Your
(ii). The initial consultation for the relief of Period of Insurance.
sudden and acute pain during the Period
of Insurance using antibiotics, temporary
dressings or extraction, however We will 2. CONTINUING TREATMENT
not pay for elective treatment or Normal Following Your permanent return to Your
Maintenance as defined below. Country of Origin, We will also pay for Your
continuing treatment, to a maximum of
Normal Maintenance: includes fillings, root $20,000, always provided any costs covered
canals, polishing and scaling, wisdom under this Section are incurred within
teeth extractions, replacement due to loss 12months from the date of Your first covered
of dental bridges, restoration work, caps, claim relating to the Injury or Sickness.
crowns, precious metal costs or pins and
fittings, periodontal, titanium implants or 3. COVID-19 EXTENSION TO SECTION
any dental work resulting from lack of
1A
regular dental maintenance and/or
Section 1A is extended to include cover if You
hygiene.
suffer the Sickness of Covid-19.
(b). OPTICAL
To this extent only, General Exclusions 21 and
Provided Your Policy has a Period of
31 do not apply to this extension
Insurance of 180 days or more We will
reimburse You up to a maximum of $300 over
the 12 month period beginning on the Policy
Start Date but subject overall to Your Period
of Insurance for a visit to an optometrist
UCF001D INBOUNDPDNZSTU 6.7.
including the cost of spectacle frames,
prescription lenses and contact lenses if:
(i). Your optical aids are lost, stolen or
damaged; or
10for the expenses You reasonably and
necessarily incur in addition to those You
Supporting Documents Required for Your already budgeted for or were likely to incur
Claim May Include: during Your Travel as a result of:
- Medical report(s) confirming your
diagnosis (a). You having to return to Your Country
- If you are admitted to hospital your of Origin during the Period of
discharge report
Insurance due to the Unforeseen
- Any receipts
In some cases, we may request additional death, Serious Injury or Serious
documents, such as a medical report Sickness of a Relative, close
confirming your pre-existing conditions. This business associate or Travelling
will depend on your individual companion during the Period of
circumstances. Insurance, provided that such a
person is under 76 years of age.
(b). You suffering an Injury or Sickness
during the Period of Insurance.
Section 1B: (c). any other Unforeseen circumstance
Additional Expenses during the Period of Insurance not
covered elsewhere in the Policy which
1. LOSS OF DEPOSITS is outside Your control other than
We will reimburse You the non-recoverable those circumstances described in (a)
and unused portion of: & (b) above or specifically described
elsewhere in the Policy,
Travel,
accommodation,
less any refund You are entitled to for prepaid
educational fees. or Travel and accommodation arrangements,
other deposits
paid for in advance by You, if Your Travel is
COVID-19 EXTENSION TO SECTION 1B
cancelled, altered or not completed due to:
2 (b) and 2 (c)
(a). The Unforeseen death, Serious Section 1B 2 (b) & 1B 2 (c) above are
extended to include cover if You suffer the
Injury or Serious Sickness of a
Sickness of Covid-19 during the Period of
Relative, close business associate or
Travelling companion, provided that Insurance.
this person is under 76 years of age.
Please note that this extension excludes the
(b). You suffering an Injury or Sickness following expenses:
during the Period of Insurance. educational fees or expenses,
campus or student accommodation
expenses, and
COVID-19 EXTENSION TO SECTION 1B isolation/quarantine expenses.
1 LOSS OF DEPOSITS
Section 1B 1 is extended to include cover if Should You be denied boarding a plane or
You suffer the Sickness of Covid-19 during ship due to suspicion of You having Covid-19
the Period of Insurance. during Your Period of Insurance, We will
Please note that this extension excludes the reimburse You for additional accommodation
deposits paid for the following: and meal expenses up to $200 per 24-hours,
educational fees up to a maximum of $1400.
campus or student accommodation, and
isolation/quarantine To this extent only, General Exclusions 21 and
31 do not apply to this extension.
To this extent only, General Exclusions 21 and
31 do not apply to this extension. Note:
General exclusions 16 & 19 do not apply to 1B
UCF001D INBOUNDPDNZSTU 6.7.
2. REPATRIATION AND ADDITIONAL 2. The benefit limit for claims that would
EXPENSES otherwise be excluded by exclusion 19 is
$10,000 over the 12-month period beginning
We will reimburse You, or pay on Your behalf
on the Policy Start Date.
where We agree circumstances necessitate,
11We strongly recommend You seek pre- Yours to attend You. The maximum sum
approval for claims over $1,000 prior to payable is $2,500
incurring expenses to understand what is
covered under your Policy COVID-19 EXTENSION TO THIS
BENEFIT
3. RESUMPTION OF TRAVEL Section 1B subsection 4 is extended to include
If You wish to resume Your original Travel cover if You suffer the Serious Sickness of
following a covered claim under clause Covid-19.
2:(Repatriation and Additional Expenses)
above, We will pay the reasonable additional To this extent only, General Exclusions 21 and
costs of economy class air fares to return You 31 do not apply to this extension
to the same location and position You were in
prior to Your claim. Note:
Provided: General Exclusions 2, 3, 4, 16, and 19 do not
apply to 1B 4.
1. Your resumption of travel takes place
within six months of the date of the We strongly recommend You seek pre-
claims event recorded on Your claim approval for claims over $1,000 prior to
for clause 2 and, incurring expenses to understand what is
covered under your Policy
2. at least 28 days of the original Period
of Insurance were remaining when 5. OTHER BENEFITS AND EXPENSES
the event that necessitated Your Refer to the Schedule of Benefits Payable in
return occurred. NZ$ contained in the Certificate of Insurance
for the amounts payable. We will pay You:
3. if Your resumption of travel is
necessary for educational purposes (a). IN HOSPITAL CASH
such as completing examinations, A cash benefit for every continuous 24 hour
lectures or research commitments or period You are confined to Hospital as an in-
an existing academic course, We may, patient due to Injury or Sickness.
at Our sole discretion, waive the 28
days requirement of proviso 3(b). This benefit is paid at $100 per 24 hour period
with a maximum limit of $10,000.
4. ACCOMPANYING RELATIVES
If You are Hospitalised for a Serious COVID-19 EXTENSION TO THIS
Sickness or Serious Injury and medical BENEFIT
circumstances dictate, We will pay for the Section 1B 5(a) is extended to include cover if
reasonable return airfare (economy class You suffer the Sickness of Covid-19.
unless otherwise agreed to by Us),
transportation and accommodation charges To this extent only, General Exclusions 21 and
incurred, for up to two of Your Relatives to 31 do not apply to this extension
attend You and/or escort You to Your
Country of Origin, or in the event of Your
(b). FUNERAL EXPENSES
death to accompany Your remains back to
The reasonable cost up to $100,000 of
Your Country of Origin. The maximum sum
returning Your remains to Your Country of
payable is $100,000 over the 12-month period
Origin or the reasonable funeral and related
beginning on the Policy Start Date, but
costs if the body is buried or cremated at the
subject overall to Your Period of Insurance,
place of death in the event You die during the
If You are aged 16 years or under at the time Period of Insurance.
of a medical event arising, You are
hospitalised and it is deemed medically This benefit limit is $100,000.
necessary by Your attending Medical
Practitioner and where We have agreed prior COVID-19 EXTENSION TO THIS
to the costs being incurred We will pay the BENEFIT
UCF001D INBOUNDPDNZSTU 6.7.
reasonable return air fare (economy class Section 1B 5(b) is extended to include cover if
unless otherwise agreed to by Us), You suffer the Sickness of Covid-19.
transportation and accommodation charges
incurred for one parent or legal guardian of To this extent only, General Exclusions 21 and
31 do not apply to this extension
12Note: necessarily incurred on Your behalf, provided
General Exclusions 2, 3, 4, 16 and 19 do not that:
apply to 1B 5(b)
(i). The search is approved by the
We strongly recommend You seek pre- relevant local authorities;
approval for claims over $1,000 prior to
incurring expenses to understand what is (ii). The search begins within 72 hours of
covered under your Policy the local official notification that You
are missing; and You have not
(c). FALSE ARREST EXPENSES ignored any official advice given to
The reasonable legal costs actually and You to stay out of the area.
necessarily incurred by You as a result of
Your false arrest or wrongful detention, during This benefit limit is $10,000.
the Period of Insurance, by any legally
recognised foreign Government.
Supporting Documents Required for
This benefit limit is $10,000. Your Claim may Include:
- Airline ticket or pre-paid expenses
(d). HIJACK CASH confirmation
A cash benefit for every continuous 24-hour - Any receipts with refund terms and
period that You are detained as a result of the conditions
public transport in which You are Travelling - Confirmation of reason for the travel
being hijacked during the Period of disruption or cancellation
Insurance. In some cases, we may request
additional documents. This will depend
This benefit is paid at $100 per 24 hour period on your individual circumstances.
with a maximum limit of $10,000.
(e). RENTAL VEHICLE RETURN EXCLUSIONS APPLYING TO
The reasonable costs incurred in returning SECTIONS 1A AND 1B
Your Rental Vehicle to the nearest Rental We will not pay for:
Vehicle depot if You are unable to return it
Yourself due to Your Sickness, Injury, or 1. Charges You incur if You fail to return to
death during the Period of Insurance, but Your Country of Origin or to an
only where You are liable for such costs under alternative location at Our direction once
the hire agreement. You may, in the opinion of Our medical
adviser, have safely undertaken to do so
This benefit limit is $1,000. or after You fail to follow Our advice or
instruction.
(f). TRAVEL DELAY
If Your Travel arrangements are delayed for 2. Expenses relating to the continuation or
at least 6 consecutive hours due to any maintenance of any course of treatment
Unforeseen cause beyond Your control We You were receiving prior to the Policy
will pay for Your reasonable extra costs Start Date or replenishment of prescribed
necessarily incurred due to the delay, including medications being taken by You prior to
the costs of meals, which are not recoverable Your departure from Your Country of
from any other source. Origin, unless the prescribed medication
was lost or damaged during the Period of
This benefit limit is $10,000. Insurance.
(g). SEARCH AND RESCUE 3. Expenses arising from elective surgery or
If You go missing in New Zealand, Pacific elective medical treatment, unless
Islands, Australia, Bali, Lombok or overseas otherwise agreed in writing by Us.
while in transit (but not in Your Country of
Origin), as a direct result of natural disaster or
UCF001D INBOUNDPDNZSTU 6.7.
while undertaking an outdoor recreational
activity during the Period of Insurance, We
will contribute up to$10,000 towards the cost
of a private search for You, actually and
134. Any expenses incurred more than 12 Financial Default of any person,
calendar months after the date of Injury company or organisation with whom or
or, in the case of Sickness, more than 12 with which they deal.
calendar months after the date on which
the first Medical Expense is incurred or 8. More than one repatriation transit in
the Policy End Date whichever occurs relation to the same Relative, condition or
last. event.
5. Any Pre-existing Condition that has not
been declared to Us and noted on the
Certificate of Insurance as a Pre- Section 2: Luggage,
existing Condition except as detailed Personal Effects, Travel
under Sections 1A 1(c) Mental Health, 1B
(2) Repatriation and Additional Documents, Money and
Credit Cards
Expense,1B 4 Accompanying Relatives
and 1B 5(b) Funeral Expenses.
6. Disposable contact lenses. We will pay You should any of the events
described below occur during the Period of
7. Any claim arising from: Insurance:
(a). Cancellation, curtailment or diversion 1. LOST OR DAMAGED PROPERTY
of scheduled public transport services, For accidental loss of or damage to Your
including by reason of strikes or other accompanied Technology Items or Luggage
industrial action, if there had been and Personal Effects, which You use during
warning in the news media or current the Period of Insurance (including papers,
notifications in the local Government specifications, manuscripts and stationery for
“Country Warning” web sites, before their face value only).
the date the Travel was booked, that
such events were likely to occur. 2. DEPRIVATION OF LUGGAGE AND
PERSONAL EFFECTS
(b). Carrier caused delays where the costs For emergency replacement of essential
are recoverable in full from the carrier. Luggage and Personal Effects if Your
Luggage and Personal Effects is delayed,
(c). Any business or financial or misdirected or temporarily misplaced by any
contractual obligation or commitment carrier for more than 8 consecutive hours.
of You or of any other person on Claims must be supported by written
whom the Travel depends. confirmation from the carrier responsible and
receipts for the replacement items You
(d). Any change of plans or disinclination needed to purchase. Claims are limited to a
to Travel on Your part or of any other maximum of $1,000 for an individual or a
person on whom the Travel depends. Family.
(e). The inability of any tour operator or 3. REPLACEMENT OF TRAVEL
wholesaler to complete arrangements DOCUMENTS
for any tour due to a deficiency in the For the non-recoverable cost of replacing
required number of persons to Travel documents, credit cards and Travellers
commence any tour or journey. cheques accidentally lost or damaged, up to a
maximum of $3,000 for an individual or a
(f). The refusal, failure or inability of any Family.
person, company or organisation,
including but not limited to any airline, 4. UNAUTHORISED USE OF TRAVEL
other transportation provider, hotel, DOCUMENTS
car rental agency, tour or cruise For Your legal liability for compensation
operator, travel wholesaler, booking arising out of the unauthorised use of Your
UCF001D INBOUNDPDNZSTU 6.7.
agent or other provider of travel or Travel documents, credit cards or Travellers
tourism related services, facilities or cheques which are stolen during the Period of
accommodation, to provide services, Insurance by any person other than You,
facilities or accommodation, by reason Your Relative or Travelling companion,
of their own Financial Default or the limited to $5,000 over the 12-month period
14beginning on the Policy Start Date, but general condition, quality and
subject overall to Your Period of Insurance. capability or the cost of indemnifying
you under (a), (b) or (c) above.
5. MONEY
For accidental loss of cash, bank or currency 2. Where We elect to pay the depreciated
notes, cheques, postal or money orders or value under this section, depreciation is
other negotiable instruments taken with You. applied to an item as per the below:
Maximum payable is $1,000 over the 12-
month period beginning on the Policy Start Technology Items
Date, but subject overall to Your Period of Age of Item Depreciation
Insurance. Less than 6 months old NIL
6-12 months old 15%
6. FIRE DAMAGE 1-2 years old 30%
In the event of any loss caused by or arising 2-3 years old 60%
from fire, the maximum amount payable for Over 3 years old 80%
any claim during the Period of Insurance is
$12,000. All other non Technology Items less than 2
years old are paid at Present Day Value.
Please note however that sublimits apply:
Cash, bank or currency notes, cheques, postal All other non Technology Items over 2 years
or money orders or other negotiable old are paid at Present Day Value less 20%.
instruments destroyed in a fire are limited to
$1000. CONDITIONS APPLYING TO SECTION 2
1. It is a condition of payment under this
Section that all losses including damage
Note: attributable to theft or vandalism be
In regard to Section 2 1: reported to the local police or appropriate
a) the maximum amount We will pay for any authority as soon as possible after the
one item, set or pair of items is $2,500 discovery of the loss and a written
unless the item, set or pair of items is acknowledgement of the report obtained.
specified on the Certificate of Insurance Any loss of credit cards, Travellers
and the additional premium has been cheques or Travel documents must also
paid. be reported as soon as possible to the
issuing authority and the appropriate
b) The limit for any specified item, set or pair cancellation measures taken
of items is $5,000 with a maximum for all .
specified items of $30,000. 2. You shall take all reasonable precautions
for the packaging, safety and supervision
c) In the event of a claim You must be able of any Technology Item(s), portable
to support Your claim with receipts or electronic property, personal effects,
valuations. Travel documents, money and credit
cards.
BASIS OF SETTLEMENT UNDER THIS
SECTION 3. You must not leave any item(s) unlocked
1. For payment under this section We have the or Unattended in a Public Place or in any
option, at Our sole discretion, to: unlocked and Unattended building or
vehicle at any time, unless in a locked
(a). pay the replacement cost of the compartment that is not visible from the
item(s) being claimed; or outside of the vehicle (for example boot or
cubbyhole), nor in a vehicle overnight.
(b). choose to repair or replace the item(s)
being claimed; or 4. All cash or jewellery must either be on
You in person or in a locked safe. There is
(c). pay the depreciated value of the items no cover if You leave jewellery or cash in
being claimed; or a room where You are not present.
UCF001D INBOUNDPDNZSTU 6.7.
(d). pay You an amount that covers Your 5. You must secure Technology Item(s) and
loss, being the lesser of Our portable electronic property in a locked
reasonable cost to replace the item premise, safe or strongroom or out of sight
with an item that is of equivalent age,
15in a locked vehicle and carry such items 10. The Excess $12,000 for loss or damage
as personal hand luggage. due to a natural disaster (as defined in the
Earthquake Commission Act 1993).
SUPPORTING DOCUMENTS REQUIRED
FOR YOUR CLAIM MAY INCLUDE:
- Proof of ownership including receipts
Section 3: Missed Transport
If applicable : Connection
- Police report if items are stolen or lost
OR
We will pay the cost of additional reasonable
- Lost or delayed baggage reports
In some cases, we may request additional scheduled public transport services and
documents. This will depend on your accommodation if due to an Unforeseen
individual circumstances. circumstance occurring during the Period of
Insurance and outside Your control You miss
a transport connection and are required to
EXCLUSIONS APPLYING TO SECTION make alternative arrangements to arrive at a
special event such as school examination, or
2
start of the school year which cannot be
We will not pay for:
delayed because of Your late arrival.
1. Scratching or breakage of fragile or brittle
items.
CONDITIONS APPLYING TO SECTION 3
1. You must ensure that all reasonable effort
has been made to avoid additional
2. Damage or loss arising from wear and
expenses.
tear, deterioration, atmospheric or climatic
conditions, mould or fungus, insects,
2. You must remain in Your original booking
rodents, vermin, or any process of
class/cabin (We will not accept any cabin
cleaning, ironing, pressing, repairing,
upgrades).
restoring or alteration.
3. You must seek any refunds on unused
3. Any item(s) shipped under a freight
tickets/taxes or travel vouchers. Where a
agreement, sent by a postal or courier
refund has been provided, We will settle
service, or purchased over the internet.
this expense less the amount You have
4. Losses due to depreciation or devaluation
been refunded.
of currency.
5. Loss or damage arising from the
confiscation or destruction by Customs or
any other authority. SUPPORTING DOCUMENTS REQUIRED
FOR YOUR CLAIM MAY INCLUDE:
- Airline ticket or pre-paid travel expenses
6. Household furniture or household confirmation
appliances being used by You for - Any receipts for additional reasonable
domestic use and non portable scheduled public transport
Technology Item(s) or electronic - Confirmation of reason for missed
equipment. transport connection
In some cases, we may request additional
7. Damage to sporting equipment including documents. This will depend on your
surfboards, sailboards, boogie boards and individual circumstances.
bicycles whilst in use.
8. The Excess of $200 for any Technology
Item(s) and the Excess of $100 for any
other claim under this section of the EXCLUSIONS APPLYING TO SECTION
Policy. 3
We will not pay for:
UCF001D INBOUNDPDNZSTU 6.7.
9. More than $10,000 for any claim under
this Section in respect of insured items left 1. Any missed transport connection arising
in a vehicle. from any business or financial or
contractual obligation or commitment of
You or of any other person on whom the
Travel depends.
162. Claims arising from the inability of any tour CONDITIONS APPLYING TO SECTION 4
operator or wholesaler to complete 1. After the occurrence of any of the events,
arrangements for any tour due to a all cover under this Section shall cease.
deficiency in the number of people
required to commence any tour or journey. 2. Benefits shall not be payable for more
than one of the events.
3. Claims arising from a special event which
could have been rescheduled to a later 3. In the event of the death of a financially
time to coincide with Your late arrival. dependent child and/or legal ward under
the age of 16 years who are Travelling
4. Any change of plans or disinclination to under a Family Policy, a maximum benefit
Travel on Your part or of any other person of $10,000 will apply.
on whom the Travel depends.
4. All Compensation is payable to You, Your
5. Claims arising from industrial disputes that estate or persons nominated by You.
You were aware of prior to the Policy
Start Date.
EXCLUSIONS APPLYING TO SECTION
4
SUPPORTING DOCUMENTS REQUIRED
We will not pay for any claim which directly or
FOR YOUR CLAIM MAY INCLUDE: indirectly arises from or is caused by:
- Medical notes confirming total
disablement or death certificate OR 1. Any type of illness, disease, infection or
- Evidence supporting your contagion, even if contracted through an
disappearance Injury. This Exclusion shall not apply to
In some cases, we may request additional medically acquired infections or blood
documents. This will depend on your poisoning.
individual circumstances.
Section 4: Death or
Disablement by Injury
1. DESCRIPTION OF COVER
In the event of an Injury resulting in Your
death or Total Disablement whilst Travelling
during the Period of Insurance, or within 12
calendar months of the Injury, We will pay the
compensation listed under the Schedule of
Benefits Payable in NZ$ stated in the
Certificate of Insurance.
2. EXPOSURE
We will pay the compensation listed under the
Schedule of Benefits Payable in NZ$ in the
Certificate of Insurance if as a result of an
Injury You are exposed to the elements and
as the result of that exposure within 12
calendar months suffer death or Total
Disablement.
3. DISAPPEARANCE
If Your body is not found within 12 calendar
months after an accident involving the
UCF001D INBOUNDPDNZSTU 6.7.
conveyance in which You were Travelling,
death will be presumed in the absence of any
evidence to the contrary.
17Section 5: Personal Liability will pay up to a maximum amount
of$500,000).
We will pay all damages, compensation and 5. Physical loss of or damage to property or
legal expenses, up to the amount specified in bodily injury (including death or illness),
the Schedule of Benefits Payable in NZ$ for arising out of Your ownership, use or
which You become legally liable (inclusive of possession of any mechanically propelled
necessary and reasonable defence costs) as a vehicle, aircraft or water-borne craft.
result of Your Negligence during the Travel
causing: 6. Loss of or damage to property or bodily
Injury (including death or illness) arising
1. Bodily Injury (including death or illness) of out of Your business or trade or
another person. occupation, or out of professional advice
given by You.
2. Physical loss of or damage to property of
others 7. Any contract unless such liability would
have arisen in the absence of that
during the Period of Insurance. contract.
CONDITIONS APPLYING TO SECTION 5 8. Loss or damage or bodily Injury (including
It is a condition of payment under this Section death or illness) arising from a criminal or
that You do not admit fault or liability to any illegal act.
other person without Our prior written consent.
9. Judgments which are not in the first
instance either delivered by or obtained
SUPPORTING DOCUMENTS REQUIRED from a court of competent jurisdiction
FOR YOUR CLAIM: within New Zealand or the country in
- Proof of event(s) and evidence of which the accident occurred giving rise to
damages Your liability.
- Evidence of damage expense
In some cases, we may request additional
documents. This will depend on your 10. Aggravated, exemplary or punitive
individual circumstances. damages.
We will not pay the Excess of $100.
Section 6: Kidnap and
EXCLUSIONS APPLYING TO SECTION
5
We will not pay damages, compensation or Ransom
legal expenses in respect of any liability
directly or indirectly arising out of or in We will pay if You are Kidnapped:
connection with:
1. The Ultimate Net Loss of Ransom paid
1. Bodily Injury (including death or illness) to by You, or Your representative, following
You or to any member of Your Family the Kidnapping of You during the Period
ordinarily residing with You. of Insurance.
2. Bodily Injury (including death or illness) to 2. The reasonable expenses, actually and
any of Your employees arising out of or in necessarily incurred following receipt of a
the course of employment. Ransom demand after the Kidnapping of
You during the Period of Insurance, for:
3. Physical loss of or damage to property
owned by or in the control of You or any (a). The fees and expenses of a security
member of Your Family ordinarily residing consultant retained as the result of
with You. such a demand provided We have
given Our consent to the appointment
UCF001D INBOUNDPDNZSTU 6.7.
4. Loss of or damage to property that is in of the security consultant.
Your custody or control (unless it is
accidental loss of or damage to property (b). Interest paid on monies borrowed from
owned by Your education provider, a financial institution for the purpose of
landlord or homestay, in which case We paying a Ransom. The amount We
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