LEISURE TRAVEL INSURANCE POLICY WORDING

LEISURE

TRAVEL

INSURANCE

POLICY

WORDING

Effective 1st December 2020

EXPLORE WITH US

HAPLPW.1_1220

CONTENTS

HAPLPW.1_1220

Important Matters 3

Schedule of Beneﬁts

Deﬁnitions

Pre-existing Medical Conditions

General Conditions

General Exclusions

Section 1

Cancellation and Travel Disruption Beneﬁts

Section 2

Medical Beneﬁts

Section 3

Life Beneﬁts

Section 4

Baggage, Personal Eects and Money Beneﬁts

Section 5

Personal Liability Beneﬁts

Contact Information and Emergency Phone Number 14

IMPORTANT MATTERS

This document is Our leisure travel insurance Policy Wording. Our

Comprehensive plan provides higher limits and extended beneﬁts while the

Essentials and Loss of Deposits plans have restricted beneﬁts and lower policy

limits for travellers who wish to reduce premium costs.

This policy is issued and managed by AWP Services New Zealand Limited

trading as Allianz Partners, Level 3, 1 Byron Avenue, Takapuna, Auckland

0622 and underwritten by The Hollard Insurance Company Pty Ltd ABN 78

090 584 473 (Incorporated in Australia), (“Hollard”) (referred to as “Us”, “We”

or “Our”).

What we will pay

In consideration of the payment of the premium, We agree to indemnify You in

the manner and to the extent set out in thisdocument.

This document, the Certiﬁcate of Insurance and any written conﬁrmation issued

by Us extending or limiting cover form Your insurance contract.

We will pay claims up to the Maximum Beneﬁt amounts shown in the

Schedule of Beneﬁts, depending on whether You have elected to purchase the

Comprehensive, Essentials or Loss of Deposits plan.

Your Certiﬁcate of Insurance details the type of cover You have purchased. The

policy limits apply per Insured Person and are stated in New Zealand Dollars.

Please read this Policy Wording carefully and note the exclusions in each

section along with the General Conditions and General Exclusions to ensure

that You understand the cover provided by Us.

If You need any clariﬁcation on Your cover or the Policy Wording please contact

either Your issuing agent, or Our Customer Care Team on Toll Free 0800 800 048

Insured

The insured(s) under this policy is the person or persons named on the

Certiﬁcate of Insurance. In this document, the insured is also referred to as “You”

or “ Your”.

Dependent Children travelling with an Insured Person (refer to DEFINTIONS)

are covered at no additional charge. Their policy beneﬁts will be shared within

the travelling Insured Person’s policy limits.

Period of insurance

Your policy commences once a Certiﬁcate of Insurance has been issued to

You and the required premium is paid. Loss of Deposits cover expires once the

full Journey has been paid for. The period of insurance for all other policies

continues until the expiry date shown on Your Certiﬁcate of Insurance or until

You return to Your normal place of residence, whichever is the earlier date.

For frequent ﬂyer plans Your policy is activated at the commencement

of each Journey undertaken in the period of insurance. If You have purchased a

frequent ﬂyer plan then each Journey is covered up to a maximum of 60 days.

Excess

An excess, as stated in Your Certiﬁcate of Insurance, will be deducted from Our

settlement if You make a claim (unless a higher excess has been imposed on

Your cover by Us and conﬁrmed to You in writing). The excess applies under

this policy to each separate event giving rise to a claim. There will be no excess

charged if You have purchased and paid the additional premium for a No

Excess policy. This will be shown on Your Certiﬁcate of Insurance.

Important claims information

If during Your Journey You are to be hospitalised, require evacuation or

repatriation services, need to make alternative travel or accommodation

arrangements or have lost Your Personal Baggage or Personal Money, please

notify Us as soon as possible.

All claims must be notiﬁed as soon as possible and in any event no later than

30 days after the completion of the Journey. If You do not contact Us this may

aect the acceptance or payment of Yourclaim.

We provide Our customers with easy access to Our 24 hour emergency

assistance service. A single call will put You directly in touch with a doctor or

travel specialist who will be able to assist You and conﬁrm cover available

under Your policy. You will be advised of any steps You will need to follow in

claiming under Your policy. You can call collect from anywhere in the world for

emergency medical and travel assistance:

Reverse charge call through telephone operator: +64 9 486 6868

If Your Personal Baggage, eects or Personal Money are stolen, You must

notify the local police or local government authority within 24 hours and

You must obtain a copy of their incident report. Any loss or damage to

Personal Baggage whilst in the custody of the carriers (e.g. an airline or bus

company) must be notiﬁed to them immediately and a property irregularity

report obtained.

You must provide Us with all reports, receipts, doctor’s certiﬁcates, information

and proof We reasonably require to help substantiate any claim.

Pre-existing Medical Conditions

It is important to understand that Pre-existing Medical Conditions may not

be covered under Your plan. Certain Pre-existing Medical Conditions are

covered automatically within certain criteria for travellers who are insured

under the Comprehensive plan only. Cover for conditions outside of those listed

in the Pre-existing Medical Conditions section may be available following a

medical assessment.

Please note that no cover for Pre-existing Medical Conditions is available under

the Essentials plan.

If You have any queries on this, You can contact Our Customer Care Team on

0800 100 124.

Correctness of Statements and Fraud

If any claim under this policy is in any respect fraudulent, or if any false

declaration is made or false or incorrect information is used in support of any

claim, then We can, at Our sole discretion, not pay Your claim and cancel Your

cover under this policy from the date that the incorrect statement or fraudulent

claim was made to Us.

Your Duty of Disclosure

When You apply for insurance or alter this policy, You have a duty at law, to

disclose to Us all material facts. 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 risk of an insurance claim;

• any criminal conviction subject to the Criminal Records (Clean Slate)

Act 2004;

• if another insurer has cancelled or refused to insure or renew insurance, has

imposed special terms, or refused any claim;

• any insurance claim or loss made or suered in the past.

These examples are a guide only. If there is any doubt as to whether any

particular piece of information needs to be disclosed, this should be referred

to Us.

If You fail to comply with Your duty of disclosure it may result in:

• this policy being avoided retrospectively with the eect that the policy never

existed;

• this policy being cancelled;

• the amount We pay if You make a claim being reduced; or

• Us refusing to pay a claim.

Change of circumstances

During the period of insurance, You must tell Us immediately of any material

change in the circumstances surrounding the subject matter of this insurance

that:

• increases the risk We are insuring, or

• alters the nature of the risk We are insuring.

Once You have told Us, We may immediately change the terms of this policy or

cancel it. If You fail to tell Us, We may apply these changes retrospectively from

the date You ought to have reasonably told Us.

Cancelling this policy

We may cancel this policy in the following circumstances only, by giving You 14

days prior notice by email sent to Your last known email address supplied to Us:

a) If You fail to comply with Your duty of utmost good faith;

b) If You fail to comply with a provision of this policy, including a provision

relating to the payment of the premium;

c) If You make a fraudulent claim under this policy.

Cooling–o period

If You are not completely satisﬁed with the extent of cover provided by this

policy You may cancel this policy within 14 days after You are issued with Your

Certiﬁcate of Insurance. You will be given a full refund of the premium You have

paid, provided You have not started Your Journey and You do not wish to make

a claim or exercise any other right under the policy.

Extension of the period of insurance

If there is a delay outside of Your control:

1. where You are required to suspend Your Journey on the advice of

aRegistered Medical Practitioner; or

2. to any vehicle, vessel or aircraft in which You are travelling as a ticket

holding passenger which results in Your homeward Journey not being

completed during the period of insurance;

this policy is extended by up to 6 months to allow You to complete Your Journey

by the next available and convenient transportation.

HAPLPW.1_1220

Jurisdiction and Choice of Law

This policy is governed by and construed in accordance with the laws 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.

Limitation of cover

Notwithstanding anything contained in this policy wording We will not provide

cover nor will We make any payment or provide any service or beneﬁt to any

person or party where providing such cover, payment, service or beneﬁt would

expose Us to or violate any applicable trade or economic sanction or any law

or regulation.

Fair Insurance Code

Hollard is a member of the Insurance Council of New Zealand and adheres

to the Fair Insurance Code, which provides You with assurance that We have

high standards of service to Our customers. A copy of the Fair Insurance

Code is available from the Insurance Council of New Zealand website:

www.icnz.org.nz/fair-insurance-code.

Dispute Resolution Process

If You have a complaint or dispute in relation to this insurance, or the services

of Allianz Partners or its representatives, please call Us on 0800 800 048 or put

the complaint in writing and send it to The Dispute Resolution Department, PO

Box 33 313, Takapuna, Auckland 0740, New Zealand , or email Your complaint

to DisputeResolution@allianz-assistance.co.nz.

We will attempt to resolve the matter in accordance with Our Internal Dispute

Resolution procedure. To obtain a copy of this please contact Us.

We are registered by law with an independent, external dispute resolution

scheme. To obtain a copy of Our External Dispute Resolution process, please

If Your complaint or dispute is not satisfactorily resolved, We will provide You

with information on Our external dispute resolution provider.

Privacy Notice

To arrange and manage your insurance and provide you with our services, we

(in this Privacy Notice “we”, “our” and “us” means AWP Services New Zealand

Limited trading as Allianz Partners of Level 3, 1 Byron Avenue, Takapuna,

Auckland, and our agents) collect, store, use and disclose your personal

information including sensitive information. We usually collect it directly from

you but also from others (including those authorised by you such as your

family members, travelling companions, your doctors, hospitals, and other

persons whom we consider necessary including our agents). We are the “data

controller” and are responsible for ensuring your personal information is used

and protected in accordance with applicable laws and regulations. Personal

information we collect includes, for example, your name, address, date of

birth, phone number, email address, medical information, passport details,

bank account details, as well as other information we collect when you visit our

website such as your IP address and online preferences.

Any personal information provided to us is used by us and our agents to

evaluate and arrange your 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, investigating

claims and screening to comply with economic sanctions obligations. We may

also collect, use and disclose it for product development, marketing (where

permitted by law or with your consent), customer data analytics, research, IT

systems maintenance and development, recovery against third parties, fraud

investigations and for other purposes with your consent or where authorised by

law. We do not use sensitive information for marketing purposes or provide that

information to any third parties for marketing.

You authorise us to disclose your personal information to recipients including

third parties (some of whom are data processors) in New Zealand and overseas

involved in the above processes, such as travel consultants, travel insurance

providers and intermediaries, agents, distributors, reinsurers, claims handlers

and investigators, cost containment providers, medical and health service

providers, overseas data storage (including “cloud storage”) and data handling

providers, transportation providers, legal and other professional advisers, your

agents, broker and travelling companions, your travel group leader if you travel

in a group, your employer if you have a corporate travel policy, your bank if you

have bank credit card insurance, the Insurance Claims Register and our related

and group companies and Hollard. Some of these third parties may be located

in other countries including in Australia, Europe, Asia, Canada or the USA. We

will use reasonable endeavours to ensure people we disclose your personal

information to outside New Zealand are required to protect it in a way that

provides comparable safeguards to those set out under New Zealand privacy

law, such as via contractual data protection obligations, our group binding

corporate rules or because they are subject to laws of another country with

comparable protections. However, you acknowledge that sometimes overseas

recipients of your personal information may not be required to protect it in a

way that provides comparable safeguards to those provided under the New

Zealand privacy law.

Where permitted by law or with your consent, we may contact you with oers

of products or services (from us, our related companies, as well as oers from

our business partners) that we consider may be relevant and of interest to you

(including insurance products). This could be via telephone, post, electronic

messages (including email) online or via other means. You can withdraw your

consent at any time if you no longer wish to receive marketing material or

promotional oers from us or our related companies and business partners by

calling our Contact Centre on 0800 800 048.

The collection of information is required pursuant to the common law duty to

disclose all material facts relevant to the insurance sought and is mandatory.

If you do not agree with the matters set out in our privacy notice or will not

provide us with personal information, we may not be able to provide you with

our services or products, process your application, issue you with a policy or

process your claims. We will not retain your personal data for longer than is

necessary for the purposes for which it may be lawfully used.

You can: (1) seek access to your personal data and ask about its origin,

the purposes of the processing, and details of the data controller or data

processor and the parties to whom it may be disclosed; (2) correct and update

your personal information (subject to the provisions of applicable privacy

legislation), and (3) ask for a copy of your personal data in an electronic format

for yourself or for someone you nominate. You may in some circumstances

restrict the processing of your personal data, and request that it be deleted.

Where your personal information is used or processed with your speciﬁc

consent as the sole basis for processing (rather than on a contractual basis or

legitimate interest), you may withdraw your consent at any time. In cases where

we cannot comply with your request concerning your personal information, we

will give you reasons why. You may not access or correct personal information

of others unless you have been authorised by their express consent or are

otherwise permitted by law.

When you provide personal information to us about other individuals, we rely

on you to have ﬁrst obtained each of those individuals’ consent, and have

made them aware of the matters set out in this Privacy Notice.

If you have a request or complaint concerning your personal information or

about our privacy policy, please contact: Privacy Ocer, Allianz Partners,

P.O. Box 33 313, Takapuna, Auckland 0740 or email us at

AzPNZ.Privacy@allianz-assistance.co.nz. For urgent assistance please call

our Contact Centre on 0800 800 048. You can also contact the Privacy

Commissioner at the Oce of the Privacy Commissioner, P.O. Box 10 094, The

Terrace, Wellington 6143 if you have a complaint.

For more information about our corporate privacy policy and handling of

personal information, including further details about access, correction and

complaints, please visit our website at www.allianzpartners.co.nz and click on

the Privacy Policy link.

Privacy Act and the Insurance Claims Register (ICR)

The ICR is a database of insurance claims to which participant insurers

have access. The purpose of the ICR is to prevent insurance fraud. TheICR is

operated by Insurance Claims Register (ICR), POBox 474, Wellington.

This policy is issued to You on the condition that You authorise Us to place

details of any claims made against this policy on the database of ICR, where

they will be retained and be available for other insurance companies to inspect.

You also authorise Us to obtain from ICR personal information about You that

is (in Our view) relevant to this policy or any claim made against it. You have

certain rights of access to and correction of this information, subject to the

provisions of applicable privacy legislation.

HAPLPW.1_1220

SCHEDULE OF BENEFITS

SECTION 1: CANCELLATION / TRAVEL DISRUPTION BENEFITS Maximum Beneﬁts in NZ$

Policy Option Comprehensive Essentials Loss Of Deposits

1a.

Loss of Deposits Unlimited $5,000 $10,000

1b. Cancellation of Journey Paid in Full Unlimited $5,000 Nil

1c. Curtailment Unlimited $5,000 Nil

1d. Missed Connection $15,000 $500 Nil

1e. Travel Delay $15,000 $500 Nil

1f. Frequent Flyer Points $5,000 Nil Nil

1g. Resumption of Travel $10,000 Nil Nil

1h. Strikes and Hijacks $10,000 Nil Nil

1i. Evacuation – Civil Unrest Paciﬁc Islands $1,500 Nil Nil

1j. Additional Expenses as a Result of an Act of Terrorism $3,000 Nil Nil

1k.

Epidemics and Pandemics Unlimited $5,000 $10,000

SECTION 2: MEDICAL BENEFITS Maximum Beneﬁts in NZ$

2a.

Overseas Medical Expenses Unlimited $250,000 Nil

2b. Terrorism – Overseas Medical Expenses $250,000 Nil Nil

2c. Emergency Dental Expenses

• Emergency Dental Treatment – Pain Relief Only $1,000 Nil Nil

• Emergency Dental Treatment – as a Result of an Injury $3,000 $500 Nil

2d.

Incidental Hospital Expenses $4,000 Nil Nil

2e. Accompanying Person $15,000 Nil Nil

2f. Search and Rescue – Natural Disaster $20,000 Nil Nil

SECTION 3: LIFE BENEFITS Maximum Beneﬁts in NZ$

3a. Funeral Expenses $25,000 $10,000 Nil

3b. Accidental Death or Permanent Disablement $50,000 Nil Nil

3c. Accidental Death or Permanent Disablement as a Result of an

Act of Terrorism

$25,000 Nil Nil

The Schedule of Beneﬁts sets out a summary only of the cover that is provided under each plan and the most We will pay in total for all claims under each

section.

IMPORTANT - PLEASE NOTE:

ALL COSTS AND EXPENSES MUST BE REASONABLE. WHERE USED, `UNLIMITED’ ONLY MEANS THAT THERE IS NO CAPPED DOLLAR SUM INSURED.

TERMS, CONDITIONS, SUB-LIMITS AND EXCLUSIONS APPLY AS SET OUT IN THE POLICY WORDING. BENEFITS ARE PER INSURED PERSON AND THE

BENEFITS LIMITS ARE SHARED FOR DEPENDENT CHILDREN.

HAPLPW.1_1220

SECTION : BAGGAGE, PERSONAL EFFECTS AND MONEY BENEFITS Maximum Beneﬁts in NZ$

4a. Personal Baggage – Total limit (including any items insured

in Section 4c)

$30,000 $5,000 Nil

 Personal Baggage Item Limit $1,500 $750 Nil

Personal Baggage - Special Limit

(electronic equipment, video and camera equipment)

$2,500 Nil Nil

4b.

Emergency Baggage $1,500 $250 Nil

4c. Speciﬁed High Value Items

Maximum Value Per item $10,000 Nil Nil

Maximum Total Value $20,000 Nil Nil

4d. Travel Documents $3,000 $500 Nil

4e. Personal Money $500 Nil Nil

4f. Additional Expenses as a Result of an Act of Terrorism $3,000 Nil Nil

SECTION 5: PERSONAL LIABILITY BENEFITS Maximum Beneﬁts in NZ$

5a. Rental Vehicle Excess $6,000 $1,000 Nil

5b. Personal Liability $2,500,000 $500,000 Nil

5c. Defence Costs – Including Wrongful Arrest $10,000 Nil Nil

Sub-limits apply - please read this Policy Wording in full for details.

HAPLPW.1_1220

DEFINITIONS

When the words below are used in this insurance policy they shall have the

meanings detailed below.

Act of Terrorism

Means an act, including but not limited to the use of force or violence and/or

the threat thereof, of any person or group(s) of persons, whether acting alone or

on behalf of or in connection with any organisation(s) or government(s), which

from its nature or context is done for, or in connection with, ethnic, ideological,

political, religious, or similar purposes or reasons, including the intention to

inﬂuence any government and/or to put the public, or any section of the public,

in fear. Terrorism also includes any act that is veriﬁed or recognised by the local

government as an Act of Terrorism.

Close Relative

Means Your spouse, de facto partner, civil union partner, ﬁancé(e), parent, parent-

in-law, step parent, child, step child, foster child, son and daughter-in-law, sibling,

brother and sister-in-law, half or step brother or sister, grandparent, or grandchild.

Country of Origin

Means the country in which You principally resided prior to applying for cover.

Dependent Children

Means Your children or grandchildren aged under 21, accompanying You on

the journey, who are not in full-time employment, and who are named on Your

Certiﬁcate of Insurance.

Epidemic

Means the sudden development and rapid spreading of a contagious disease in

a region where it developed in an endemic state or within a previously unscathed

community.

Injury

Means an external or internal bodily injury caused solely and directly by violent,

accidental, external and visible means.

Insured Person

Means each person named on the Certiﬁcate of Insurance who has paid a full

premium.

Journey

Means from when You leave Your normal place of residence in Your Country

of Origin until You return to Your normal place of residence in Your Country of

Origin, or for one way travellers the expiry date as shown on Your Certiﬁcate

of Insurance. If You have paid a frequent ﬂyer policy premium the number of

journeys per annum is unlimited but each journey is limited to a maximum of

60 days.

Mental Illness

Means any illness, condition or disorder listed in the current edition of the

Diagnostic and Statistical Manual of Mental Disorders.

Pandemic

Means a form of an Epidemic that extends throughout an entire continent.

Personal Baggage

Means Your suitcases, trunks and similar containers including their contents and

articles worn or carried by You. It does not mean or include any business samples

or items that You intend to trade, passport or travel documents, cash, bank notes,

currency notes, cheques, negotiable instruments, electronic data, software,

intangible assets, watercraft of any type (other than surfboards), furniture,

furnishings, household appliances, mechanically propelled vehicles, unmanned

vehicles, hired items or any other item listed as excluded on Your Certiﬁcate of

Insurance.

Personal Money

Means cash, bank or currency notes, cheques, postal and money orders, current

postage stamps, travellers’ cheques, coupons or vouchers that have a monetary

value, admission tickets, travel tickets and pre–paid passes (e.g. for ski lifts) taken

with You on Your Journey.

Pre-existing Medical Condition

Means:

1. Any physical defect, inﬁrmity, existing or recurring illness, Injury, disability or

Mental Illness of which You, or the person due to whom You are claiming,

are aware of.

2. Any medical condition for which You, or the person due to whom You

are claiming have had or received a medical examination, consultation,

treatment, investigation and/or medication in the 12months prior to the

date Your policy was issued.

Professional Sport

Means training for, coaching or competing in any sporting event where You are

entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize

money in excess of NZ$1,000.

Public Place

Means any area to which the public has access (whether authorised or not) including

but not limited to hotel foyers and grounds, restaurants, public toilets, beaches,

airports, railway stations, busterminals, taxi stands and wharves.

Public Transport

Means an aircraft, vehicle, train, tram, vessel or other scheduled transport operated

under a license for the purpose of transporting passengers. However, it does not

mean a taxi, limousine or similar service.

Reasonable

Means:

a) For medical, hospital, dental or funeral expenses, the standard level of care

given in the country You are in provided it does not exceed the level You would

normally receive in New Zealand; and

b) For all other covered expenses, a level comparable to the same nature and class

as booked for the rest of Your Journey;

in each case as determined by Us.

Registered Medical Practitioner

Means a qualiﬁed doctor or dentist, other than You, a Travelling Companion,

someone You work with, or a Close Relative, holding the necessary certiﬁcation

in the country in which they are currently practising.

Travelling Companion

Means a person with whom You have made arrangements before Your policy was

issued, to travel with You for at least 75% of Your Journey.

Unattended

Means leaving Your Personal Baggage and eects:

i. with a person who is not named on Your Certiﬁcate of Insurance or who is not a

Travelling Companion or who is not a Close Relative; or

ii. with a person who is named on Your Certiﬁcate of Insurance or who is a

Travelling Companion or who is a Close Relative but who fails to keep Your

Personal Baggage and eects under close supervision; or

iii. where they can be taken without Your knowledge; or

iv. at such a distance from You or outside of Your line of sight, that You are unable

to prevent them from being taken.

We, Us, Our

Means The Hollard Insurance Company Pty Ltd acting through AWP Services New

Zealand Limited trading as Allianz Partners.

You, Your

Means each person named on the Certiﬁcate of Insurance.

HAPLPW.1_1220

PRE-EXISTING MEDICAL

CONDITIONS

Important information concerning Pre-existing Medical

Conditions

There is no cover for Pre-existing Medical Conditions under the Essentials

plan. There is limited cover for Pre-existing Medical Conditions under the

Comprehensive plan.

Please refer to the deﬁnition of Pre-existing Medical Conditions in the

Deﬁnitions section.

Some Pre-existing Medical Conditions are covered automatically under the

Comprehensive plan. Cover for conditions which are not automatically covered

may be available following application to and acceptance by Our Customer

Care Medical Assessments Team.

Our Customer Care Medical Assessments Team can be contacted on

0800 100 124.

(i) Comprehensive plan Pre-existing Medical Conditions that

are not covered

Some medical conditions cannot be covered under this policy. These include

but are not limited to any medical condition:

• for which surgery is planned or for which You are on a waiting list;

• arising directly or indirectly from any signs or symptoms which You have had,

or for which You have not sought a medical opinion, or received a diagnosis,

or for which You are under medical care or are awaiting investigations.

Please refer to General Exclusions if:

• You are travelling against the advice of a Registered Medical Practitioner;

• You are travelling with the intention of obtaining medical treatment.

(ii) Comprehensive plan Pre-existing Medical Conditions that

are not automatically covered

You are not automatically covered in respect of a medical condition if the

condition relates to:

• Your heart (excluding hypertension);

• Your brain;

• a transplanted organ (including stem cell transplants);

• renal failure;

• thinning of the bones (osteoporosis);

• a lung condition (excluding asthma), due to which You are permanently

limited by shortness of breath or diagnosed as cystic ﬁbrosis;

• cancer;

• an aneurysm, blood or lung clots (including stroke/TIA);

• insulin dependent diabetes;

• major allergic reactions;

• back problems if You have had spinal surgery;

• surgery involving any joints;

• Mental Illness;

• sexually transmitted disease AIDS, HIV or related conditions.

(iii) Comprehensive plan Pre-existing Medical Conditions

that are automatically covered

If You have purchased the Comprehensive plan and Your Pre-existing Medical

Condition falls within the terms detailed below then You are automatically

covered for the condition.

You do not need to contact Us for approval if:

a. Your Pre-existing Medical Condition is stable and well controlled and Your

treatment (including medication) has not changed in the 12 months prior

to the date Your policy was issued; and

b. Your condition is not an ongoing or chronic condition for which You have

received treatment at a hospital in the 5 years prior to the date Your policy

was issued; and

c. You have not had surgery or hospital treatment for the medical condition

in the 12 months prior to the date Your policy was issued; and

d. the Pre-existing Medical Condition is not detailed in (i) or (ii) above as

either a Pre-existing Medical Condition that You need to contact Us about

or which cannot be covered under this policy.

If You are in any doubt as to whether a medical condition is covered please

contact Our oce.

Cover for conditions outside of those described in part (iii) of the Pre-existing

Medical Conditions section may be available following a medical assessment.

If cover is approved, You may be required to pay an additional premium and

written conﬁrmation will be forwarded to You.

GENERAL

CONDITIONS

– applying to all sections

1. You must tell Us everything that may be material to Our decision to issue or

alter this policy.

2. We may at Our own expense take proceedings in Your name to recover

compensation, damages or otherwise from any third party for loss or damage

covered under this policy. Any amount recovered will belong to Us.

3. This policy will not provide cover for any loss or expense covered under

any other insurance policy, compensation scheme or legislation. You must

ﬁrst seek settlement of Your cost under that policy or scheme. We will then

only consider payment of any dierence between the amount settled and

the payment You would have been entitled to under this insurance. (This

condition does not apply to claims under Section 3b. Accidental Death or

Permanent Disablement.)

4. You must provide Us with all receipts, certiﬁcates, information and proof

We reasonably require to help substantiate Your claim. This will include a

doctor’s certiﬁcate or letter if Your Journey was curtailed or cancelled due

to illness or Injury and You must provide at Your own expense any medical

certiﬁcate or report that We may require to consider any claim further. A

medical report and blood test will also need to be provided if You have been

druggedinvoluntarily.

5. You must not make any oer, promise or payment regarding admission or

liability for any loss.

6. No claim will be payable where any person entitled to indemnity under this

policy breaches any policy terms and conditions.

7. Where this policy is in joint names, then this policy is a joint policy. This means

that if one Insured Person does or fails to do anything so that there is no cover

there will be no cover for any Insured Person, not just the Insured Person

responsible for the act or omission that caused there to be no cover.

8. You must comply with all Our requests relating to Your claim including

providing all co–operation, information and assistance requested.

9. You must at all times act in a prudent manner and take all reasonable steps

to prevent loss and minimise any claim made under Your policy.

10. You must immediately consult and follow the advice of a Registered Medical

Practitioner if You have suered an Injury or illness.

GENERAL

EXCLUSIONS

– applying to all sections

This policy does not cover any loss, damage, liability, death or incapacity

directly or indirectly caused by or arising from:

1. war, invasion, act of foreign enemy, warlike operations (whether war is

declared or not), civil war, mutiny, rebellion, revolution, insurrection, military

or usurped power. (In respect of civil unrest only, this exclusion does not

apply to Section 1i. Evacuation – Civil Unrest Paciﬁc Islands).

2. Acts of Terrorism (refer to ‘Deﬁnitions’ for full details) – unless cover is

otherwise provided under individual sections of this policy. If We allege

that by reason of this clause, any loss or damage, cost or expense is not

covered by this insurance the burden of proving the contrary will be upon

the insured.

3. nuclear weapons material.

4. an actual or likely Epidemic or Pandemic, or, the threat of an Epidemic or

Pandemic, except under the following sections:

Section 1k. Epidemics and Pandemics; and

Section 2 Medical Beneﬁts.

Refer to www.who.int and www.safetravel.govt.nz for further information on

Epidemics and Pandemics.

5. ionising radiation or contamination by radioactivity from any nuclear fuel

or from any nuclear waste from the combustion of nuclear fuel. (For the

purpose of this exclusion, combustion includes any self sustaining process of

nuclear ﬁssion).

6. biological and/or chemical materials, substances, compounds or the like

used directly or indirectly for the purpose of harming and destroying human

life and/or create public fear.

7. Your deliberate or reckless acts.

8. Your unlawful acts.

HAPLPW.1_1220

9. any person lawfully in Your accommodation premises.

10. any travel within New Zealand unless this forms part of Your international

Journey, or You are travelling on a frequent traveller policy and are more

than 250 kilometres from Your place of residence.

11. the New Zealand Government’s recommendation that travel not be taken

to any country, territory or region, if the warning has been issued prior to the

purchase of this insurance, whether this relates to essential or non–essential

travel orboth.

12. occupations involving unusual or dangerous work.

13. elective or cosmetic surgery.

14. active participation in:

i. skiing and snow-boarding outside of ski resort boundaries;

ii. diving underwater using an artiﬁcial breathing apparatus unless You

hold open water diving license recognized in New Zealand or are

diving with an instructor licensed for these activities, or, under any

circumstances, diving underwater at a depth greater than 30 metres;

iii. ﬂying hang or tow gliding, microlite ﬂying, parachuting, skydiving and

other aerial activities other than the following;

• hot air ballooning;

• paragliding;

• parasailing;

• bungee jumping; or

• as a fare–paying passenger in a power driven aircraft licensed to carry

passengers ﬂown by a pilot licensed to carry passengers;

iv. mountain and rock climbing;

v. Professional Sport;

vi. racing of any kind (other than on foot) including training;

vii. ocean yachting 25 nautical miles or more from the mainland;

viii. white water rafting, white water kayaking or black water rafting in

grade 5 or more rivers;

ix. pot holing;

x. rodeo activities;

xi. hunting;

xii. any activity in remote areas except as part of an organised

tour group;

xiii. extreme versions of any sport.

15. pregnancy or childbirth (except for unforeseen medical complications or

emergencies within the ﬁrst 20weeks/140days of Your pregnancy). There is

no cover for achild born overseas unless, after birth, cover is applied for and

We agree in writing to include the child in this cover.

16. sexually transmitted diseases contracted during Your Journey.

17. Your domestic pet or farm/lifestyle animal.

18. Your self-inﬂicted illness or injury, or Your suicide or You undergoing

an abortion where it is not deemed medically necessary to do so by a

Registered Medical Practitioner.

19. a therapeutic or illicit drug or alcohol addiction.

20. You being under the inﬂuence of any intoxicating liquor, drugs or substances

except a drug prescribed to You by a Registered Medical Practitioner, and

taken in accordance with their instructions.

21. riding a moped or motorcycle (whether as driver or passenger) in any of the

following circumstances:

i. where the engine capacity is more than 200cc; or

ii. without a helmet; or

iii. without a valid driver’s licence as required in the country You

are in.

22. any consequential loss, loss of enjoyment or loss of income.

23. You travelling against the advice of a Registered Medical Practitioner.

24. You travelling with the intention of obtaining medical or dental treatment.

SECTION 1:

CANCELLATION AND

TRAVEL DISRUPTION

BENEFITS

Based on the plan shown on Your Certiﬁcate of Insurance You will be eligible for

each Cancellation/Travel Disruption Beneﬁt up to the Maximum Beneﬁt shown

in the Schedule of Beneﬁts.

If You have purchased an Essentials or Loss of Deposits plan, there are

a number of beneﬁts under this section where cover is either reduced or

unavailable.

You must advise Us as soon as You are aware of any health or other circumstances

that are likely to result in cancellation or curtailment of Your Journey.

Note: If Your travel plans are disrupted by a claimable event, a claim can only

be lodged under one of the following: Sections 1b. Cancellation of Journey

Paid in Full; 1d. Missed Connection; 1e. Travel Delay; or 2a – sub–paragraph 4.

Overseas Medical Expenses; or 2e. Accompanying Person. You cannot make a

separate claim for the same event under each of these sections.

1a. Loss of Deposits

(All Plans)

If prior to payment of the ﬁnal amount payable for Your Journey You must

cancel or amend Your travel arrangements due to any unforeseeable

circumstance beyond Your control We will pay up to the policy’s Maximum

Beneﬁt for Your irrecoverable travel and accommodation deposits or expenses,

which have been paid inadvance.

In respect of a cancellation fee charged by Your travel agent, provided the

travel agent has disclosed their cancellation fees to You in writing at the time

of making Your travel arrangements, We will also pay You up to a maximum

of 10% of Your total travel costs (that were paid through the travel agent) or

NZ$500 per adult, whichever is the lesser.

1b. Cancellation of Journey Paid in Full

(Comprehensive and Essentials Plans Only)

If following full payment of Your Journey, You have to cancel or amend Your

travel arrangements, due to any unforeseeable circumstance beyond Your

control, We will pay up to the policy’s Maximum Beneﬁt for Your irrecoverable

travel and accommodation expenses, which have been paid in advance.

1c. Curtailment

(Comprehensive and Essentials Plans Only)

If You cannot complete Your Journey due to an unforeseeable circumstance

beyond Your control and have to return to Your Country of Origin earlier than

planned, We will pay up to the policy’s Maximum Beneﬁt for Reasonable

additional travel and accommodation expenses (necessarily and actually

incurred by You, in order to return to Your Country of Origin) which are

additional to Your planned itinerary provided You already hold a pre–paid

return ticket. The amount claimable will be less any amounts refundable on

unused travel vouchers or tickets.

Wherever claims are made by You under this section, and Sections 1a. Loss

of Deposits or 1b. Cancellation of Journey Paid in Full, 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.

1d. Missed Connection

(Comprehensive and Essentials Plans Only)

If Your scheduled Public Transport service is cancelled or curtailed due to

riot, strike or civil commotion, natural disaster or severe weather conditions,

or You miss Your connecting scheduled Public Transport service due to any

unforeseeable circumstance beyond Your control We will pay up to the

Maximum Beneﬁt for the additional necessary and Reasonable travel and

accommodation expenses, appropriate to the Journey being undertaken that

You incur to arrange alternative transport to enable You to maintain Your

original travel itinerary, provided that:

i. there was no warning that the cancellation may occur;

ii. You have made reasonable eorts to avoid any additional expenses;

and

iii. refunds on unused tickets or travel vouchers have been applied for.

If the purpose of Your Journey is to attend a wedding or conference, We will

pay the Reasonable alternative travel costs to Your planned destination if the

conference or wedding cannot be delayed solely due to Your late arrival.

The amount claimable under this section will be less any amounts refundable

for unused tickets or vouchers.

HAPLPW.1_1220

1e. Travel Delay

(Comprehensive and Essentials Plans Only)

If the departure of the scheduled Public Transport in which You have arranged

to travel is delayed, for at least 12 hours from the time speciﬁed, due to any

unforeseeable circumstance beyond Your control, We will pay for Reasonable

meal and accommodation expenses necessarily incurred due to the delay,

which are not recoverable from any other source.

Written proof of delay from the transport provider must be submitted together

with receipts for the extra costs incurred.

1f. Frequent Flyer Points

(Comprehensive Plan Only)

If an airline ticket has been purchased using frequent ﬂyer or a similar air

points rewards system, and the airline ticket is cancelled due to any unforeseen

circumstances beyond Your control, We will pay up to the policy’s Maximum

Beneﬁt, the retail price for that ticket at the time it was issued. This cover is

provided only in the event that the loss of points cannot be recovered from any

other source. If the air points company charges a reinstatement fee then this

cost will be claimable under Your policy.

1g. Resumption of Travel

(Comprehensive Plan Only)

If You are forced to return to Your Country of Origin due to the serious Injury,

illness, disease or death of a Close Relative in Your Country of Origin, We will

pay up to the Maximum Beneﬁt for the Reasonable transport costs actually

incurred by You to resume Your pre–booked travel plans as per Your original

itinerary, provided that:

i. the serious Injury, illness, disease or death of a Close Relative occurred

after Your departure from Your Country of Origin and was not caused by

a Pre-existing Medical Condition;

ii. the Journey was at least 14 days;

iii. You had been away for less than 50% of the duration of Your Journey;

iv. You have not made a claim under Section 1c. Curtailment; and

v. You held a return ticket at the time the event which has caused You to

return to Your Country of Origin occurred.

1h. Strikes and Hijacks

(Comprehensive Plan Only)

We will pay up to the policy’s Maximum Beneﬁt for irrecoverable additional

travel and accommodation costs, due to cancellation or curtailment of

scheduled Public Transport services, as a result of a strike or hijack.

1i. Evacuation – Civil Unrest Paciﬁc Islands

(Comprehensive Plan Only)

In the event that You are in the Paciﬁc Islands and for Your safety You must

evacuate for any reason not covered under any other section of this policy, We

will pay up to the policy’s Maximum Beneﬁt for additional expenses incurred.

1j. Additional Expenses as a Result of an Act of Terrorism

(Comprehensive Plan Only)

We will provide cover for the Reasonable additional costs incurred when You or

Your travel arrangements are aected directly by or in connection with any Act

of Terrorism. Any payment for an Act of Terrorism will be limited to a maximum

of NZ$3,000 per Insured Person per period of insurance.

1k. Epidemics and Pandemics

(All Plans)

Important: Cover under section 1k. Epidemics and Pandemics is only provided

to the extent that the plan You purchased allows for.

The cover described under Sections 1a, 1b, 1c, and 1f is extended to cover the

following events:

i) You or Your Travelling Companion are diagnosed with an Epidemic or a

Pandemic disease and cannot commence or complete Your travel; or

ii) You or Your Travelling Companion are speciﬁcally and individually

designated by name in an order or directive to be placed into

mandatory quarantine or isolation by the New Zealand Government or

any other government or local authority, based on their suspicion that

either of You have been exposed to an Epidemic or Pandemic disease;

iii) Your travel is disrupted following the commencement of Your Journey

due to You or Your Travelling Companion being denied boarding on any

scheduled Public Transport service, based on the suspicion that either

of you have an Epidemic or Pandemic disease and You incur costs for

additional accommodation and meals as a result. The most We will

pay for any claim under part iii) is NZ$200 per day up to a maximum of

NZ$1,400.

There is no cover for claims arising from any lockdowns, changes in government

alert levels, quarantine or mandatory isolation that applies generally or

broadly to some or all of a population, vessel or geographical area, or that

applies based on where You are travelling to, from, or through.

Exclusions – applying to all policies under Section1

We will not pay for claims that relate to loss, damage, liability, expenses or

claims for or arising directly or indirectly out of:

1. Your disinclination to travel, personal wishes, ﬁnancial circumstances or

business reasons;

2. failure to check in at the correct departure time or claims resulting from You

being a standby passenger;

3. the serious Injury, illness, disease or death of any person who isnot:

i. You; or

ii. Your Travelling Companion; or

iii. a Close Relative;

4. Your Pre-existing Medical Condition(s) or those of any other person on

whose state of health the Journey depends unless the condition/s are

described as being covered under this policy or accepted by Us in writing;

5. any Pre-existing Medical Condition suered by a Close Relative or any

complications directly attributable to those conditions;

6. any circumstances likely to lead to the cancellation or curtailment of the

Journey that You are aware of (including strikes or strike notices) that were

present at the time You purchased this insurance;

7. the receivership, statutory management, administration, bankruptcy,

liquidation, ﬁnancial collapse or adverse ﬁnancial position of any airline,

transport provider, tour operator, travel agent, or wholesaler;

8. You or Your Travelling Companion not having the appropriate passport,

entry visa or work permit documentation required by any foreign

government or foreign power;

9. Your travel plans being aected when travel is prevented or limited by

legislation, government or court order;

10. the inability of a tour operator or wholesaler to complete arrangements

for a group tour, due to a deﬁciency in the number of persons required to

commence or complete any part of thetour;

11. costs charged by or payable to a supplier resulting from rescheduling or

cancelling of travel arrangements by that supplier;

12. Your curtailment or Your cancellation for medical reasons unless on written

medical advice;

13. the inability or negligence of a tour operator, charter airline or wholesaler to

complete Your travel arrangements;

14. costs paid in advance that exceed the recommended retail value of any

concert or sporting event ticket that is scheduled to take place during Your

Journey;

15. claims under Section 1a. or 1b. for any unforeseeable circumstance occurring

before or within 7 days of purchasing Your policy, unless the policy was

purchased at the same time as Your travel arrangements were made;

16. lockdowns, changes in government alert levels, quarantine or mandatory

isolation that applies generally or broadly to some or all of a population,

vessel or geographical area, or that applies based on where You are travelling

to, from, or through;

17. You commencing Your travel against the New Zealand Government’s advice,

or against local government advice at Your overseas destination.

SECTION 2:

MEDICAL

BENEFITS

Based on the plan shown on Your Certiﬁcate of Insurance You will be eligible

for each Medical Beneﬁt up to the Maximum Beneﬁt shown in the Schedule of

Beneﬁts.

If You have purchased an Essentials plan there are a number of beneﬁts under

this section where cover is either reduced or unavailable. Please note there are

no beneﬁts under this section if Youhave purchased the Loss of Deposits plan.

2a. Overseas Medical Expenses

(Comprehensive and Essentials Plans Only)

You are covered for Reasonable and customary overseas hospital, medical,

surgical, nursing home charges or other remedial attention or treatment

given or prescribed by a Registered Medical Practitioner, including medical

repatriation expenses, incurred as a result of an illness, Injury or disease which

HAPLPW.1_1220

occurred on Your Journey. This beneﬁt only applies in excess of any amounts

You are entitled to from any reciprocal arrangements between Your usual

country of residence and the country in which the charges or expenses were

incurred and in excess of any amounts that are recoverable by or on behalf of

You from any other source.

Please note that New Zealand has reciprocal health arrangements with Australia

and the United Kingdom. You will be required to seek treatment in these countries

from their public health system.

In all cases:

1. We will only pay costs incurred within 12 months of the illness orInjury;

2. You, or someone acting on Your behalf, must wherever possible contact

Allianz Partners prior to treatment or hospitalisation. Failure to obtain Our

prior approval before any hospitalisation or treatment may result in Your

medical expenses claim being declined;

3. We have the option of returning You to Your Country of Origin for further

treatment if You are medically ﬁt to travel and We will cover the costs for

Your repatriation. If You decline to return We will not pay for any ongoing

overseas medical expenses;

4. If You cannot continue Your Journey due to an Injury or illness which

needs immediate treatment from a Registered Medical Practitioner who

certiﬁes in writing that You are medically unﬁt to continue Your Journey,

We will reimburse Your Reasonable additional accommodation and travel

expenses up to the standard of Your original booking, including returning

You home if You are unable to use Your pre–arranged return transport. The

amount claimable will be reduced by any amounts refundable on unused

travel vouchers or tickets.

Additional cover is also provided under the Comprehensive plan for

emergency telephone calls and taxi fares up to an amount of NZ$100 per

person in connection with Your Injury or illness.

Note: If Your travel plans are disrupted by a claimable event, a claim can

only be lodged under one of the following: Sections 1b. Cancellation of

Journey Paid in Full; 1d. Missed Connection; 1e. Travel Delay; 2a – sub–

paragraph 4. Overseas Medical Expenses; or 2e. Accompanying Person.

You cannot make a separate claim for the same event under each of these

sections.

5. If You choose not to return to Your Country of Origin on or prior to the

expiry date shown on Your Certiﬁcate of Insurance, We will not pay for any

ongoing medical expenses, including medication, that You incur after the

expiry date in connection with any Injury, illness or disease that occurred

during the period of insurance;

6. Follow on medical expenses in New Zealand (Comprehensive only) – on

Your repatriation or return to New Zealand We will pay up to NZ$2,000 per

Insured Person for continuing follow on treatment provided these expenses

are necessarily and reasonably incurred within a 12–month period

following the date of the illness or Injury. The cover provided excludes

dental expenses as these are covered under Section 2c. Emergency dental

expenses.

2b. Terrorism – Overseas Medical Expenses

(Comprehensive Plan Only)

We will provide cover for overseas medical expenses and repatriation costs,

incurred directly from or in connection with any Act of Terrorism, subject to the

policy’s Maximum Beneﬁt as set out in the Schedule of Beneﬁts.

2c. Emergency Dental Expenses

Emergency Dental Treatment – Pain Relief Only

(Comprehensive Plan Only)

We will reimburse You for emergency dental expenses up to the policy’s

Maximum Beneﬁt to relieve sudden and acute dental pain ﬁrst manifesting

itself during the Journey, provided:

1. the treatment is to a sound natural tooth. Sound natural teeth do not

include dentures or any tooth which has a ﬁlling or been subject to

restoration work, capping or crowning; and

2. You have been to a dentist in the last 24 months as part of Your routine

dental maintenance and received all recommended treatment.

Emergency Dental Treatment as a Result of an Injury

(Comprehensive and Essentials Plans Only)

We will pay for dental expenses up to the policy’s Maximum Beneﬁt for

emergency treatment as a result of an Injury to sound natural teeth during the

Journey.

2d. Incidental Hospital Expenses

(Comprehensive Plan Only)

If You are conﬁned to a hospital overseas as a result of Injury, illness or disease,

We will pay You NZ$50 for each 24 hour period You are hospitalised, provided

the period of conﬁnement exceeds at least 48 hours and limited to the policy’s

Maximum Beneﬁt per Insured Person. We will not pay for the ﬁrst 48 continuous

hours You are in hospital.

2e. Accompanying Person

(Comprehensive Plan Only)

We will pay the Reasonable return airfare (economy class), transportation and

accommodation expenses up to the policy’s Maximum Beneﬁt for one relative

or friend, who on the advice of Our Registered Medical Practitioner, travels

to You and/or remains with You because of the severity of any Injury, illness

or disease suered. You must contact Us for approval before any expense is

incurred.

2f. Search and Rescue – Natural Disaster

(Comprehensive Plan Only)

We will pay up to NZ$20,000 towards the costs of a private search if You are

declared missing following a natural disaster, during the period of insurance,

provided that:

i. one of Your close family members requests the search;

ii. the search is approved by local authorities; and

iii. the search commences within 72 hours of the ocial notiﬁcation that

You are missing.

Exclusions – applying to all policies under Section 2

1. We will not pay claims directly or indirectly caused by or arising out of:

a. Pre-existing Medical Conditions that are not described as being covered

under this policy or conﬁrmed as being covered by Us in writing prior to

the commencement of Your Journey;

b. You engaging in any activity associating with prostitution;

c. any complications arising from a medical condition where You are

travelling against medical advice.

2. We will not pay any medical expenses relating to hospitalisation or surgical

treatment where Our prior approval has not been sought and obtained,

unless notiﬁcation is not possible.

3. Cover will cease under this section if You fail to follow Our requirements as

per Section 2a.

4. We will not pay any medical expenses incurred for continuing treatment

including medication which commenced prior to thisJourney.

5. We will not pay for private medical treatment when public treatment is

available.

6. We will not pay for claims that relate to loss, damage, liability, expenses or

claims for or arising directly or indirectly out of:

a. the extraction of wisdom teeth unless these have becomeimpacted;

b. dental expenses incurred in Your Country of Origin;

c. normal dental health maintenance, or any treatment resulting from

a lack of regular dental health maintenance or hygiene including

dentures, ﬁllings, root canals, polishing and scaling, replacement due to

the loss of dental bridges, restoration work, caps or crowns;

d. precious metal cost or pins and ﬁttings, titanium implants in relation to

dental treatment.

7. We will not pay claims directly or indirectly caused by or arising out of You

commencing Your travel against the New Zealand Government’s advice, or

against local government advice at Your overseas destination.

SECTION 3:

LIFE BENEFITS

Based on the policy option shown on Your Certiﬁcate of Insurance, You will be

eligible for each Life Beneﬁt up to the Maximum Beneﬁt shown in the Schedule

of Beneﬁts.

If You have purchased an Essentials plan there are a number of beneﬁts under

this section where cover is either reduced or unavailable. Please note there are

no beneﬁts under this section if Youhave purchased the Loss of Deposits plan.

3a. Funeral Expenses

(Comprehensive and Essentials Plans Only)

Where Your death occurs We will pay up to the policy’s Maximum Beneﬁt for the

Reasonable funeral and cremation or burial expenses in the area where death

occurred, or for the costs of returning Your body or ashes to Your Country of

Origin excluding funeral and interment costs.

3b. Accidental Death or Permanent Disablement

(Comprehensive Plan Only)

If during Your Journey You sustain an Injury which within 12months of such

Injury results in Your death, We will pay to Your estate the policy’s Maximum

Beneﬁt as stated in the schedule of beneﬁts.

HAPLPW.1_1220

Alternatively, if due to an Injury during Your Journey, You are permanently

disabled, We will pay You the policy’s Maximum Beneﬁt. Permanent

disablement means an Injury which within 12 months of the accident results in

paraplegia, quadriplegia, tetraplegia, the loss of one or more limbs, loss of sight

in one or both eyes, loss of hearing or speech.

3c. Accidental Death or Permanent Disablement as a Result

of an Act of Terrorism

(Comprehensive Plan Only)

If during Your Journey You sustain an Injury as a result of or in connection with an

Act of Terrorism, which results in Your death or permanent disablement, We will

pay a maximum of NZ$25,000 per Insured Person per period of insurance to You

or Your estate.

Exclusions – applying to all policies under Section3

1. We will not pay for funeral expenses under Section 3a, where death occurs

as a result of Pre-existing Medical Conditions that are not described as

being covered under this policy or conﬁrmed as being covered by Us in

writing prior to the commencement of Your Journey.

2. We will not pay claims arising from:

a. manual or hazardous work;

b. deliberate exposure to danger unless in the attempt to save a human life;

c. disease, illness or any natural causes (under Sections 3b and 3c);

d. the accidental death or permanent disablement of persons under the

age of 16 years.

3. If You fail to follow Our requirements under Section 2, anywhere such

failure causes or contributes to a claim under Section 3, noclaim beneﬁt

under Section 3 shall be payable.

SECTION 4:

BAGGAGE, PERSONAL

EFFECTS AND MONEY

BENEFITS

Based on the policy option shown on Your Certiﬁcate of Insurance, You will be

eligible for each Personal Baggage, Eects and Personal Money Beneﬁt up to

the Maximum Beneﬁt shown in the Schedule of Beneﬁts.

If You have purchased an Essentials plan there are a number of beneﬁts under

this section where cover is either reduced or unavailable. Please note there are

no beneﬁts under this section if You have purchased the Loss of Deposits plan.

If Your Personal Baggage or eects are stolen, You must notify the local police

or local government authority within 24 hours and You must obtain a copy of

their incident report. Any loss or damage to Personal Baggage whilst in the

custody of the carriers (airline, bus company etc) must be notiﬁed to them

immediately and a property irregularity report obtained. You must take all

reasonable precautions to protect the property insured by this policy and to

prevent any claim arising.

4a. Personal Baggage

(Comprehensive and Essentials Plans Only)

We will pay up to the policy’s Maximum Beneﬁts for accidental loss or damage

to Your Personal Baggage, which has been taken or purchased on Your

Journey. The loss or damage must occur in the course of the Journey and during

the period of insurance.

At Our discretion We may elect to repair or replace the property or We will

pay the present day value of the lost or damaged item in cash, after making

an allowance for depreciation and wear and tear. Proof of purchase and

ownership will be required to support any claim overNZ$500.

The special item limit per item for camera and video equipment includes

attached or unattached lenses or accessories.

Items Under 2 years of age

For items that are less than 2 years old, present day value means the lesser of

the purchase price or the replacement price of the item(s).

Items Over 2 years of age

If an item is more than 2 years old, present day value is calculated by applying a

minimum 20% depreciation per annum (from the date of purchase) to the lesser

of the purchase price or current replacement price of the item. Depreciation

may be measured by using the current second hand value of the lost or

damaged item.

Items where the age of the item cannot be determined

If You cannot establish the purchase date of any item, present day value

is calculated by applying a minimum of 50% depreciation, (which may be

increased further based upon Our assessment of the age of the item) to the

lesser of the purchase price or current replacement price of the item.

4b. Emergency Baggage

(Comprehensive and Essentials Plans Only)

If Your Personal Baggage is temporarily lost in transit, and is not restored

to You within 12 hours of the discovery of the loss, We will reimburse You for

the emergency purchase of essential replacement items. Wewill reimburse

You up to NZ$500 after the ﬁrst 12 hours under the Comprehensive plan and

NZ$250 under the Essentials plan. If the Personal Baggage is still missing after

a further 48 hours then an additional amount of NZ$500 is claimable under the

Comprehensive plan. After a further 72 hours then a further amount of NZ$500

is also claimable under the Comprehensive plan, ifYou are still deprived of Your

luggage.

Receipts of purchases must be produced to support any claim.

This section does not apply if Your Personal Baggage is temporarily lost when

You are returning to Your normal place of residence.

Please note that where the mislaid luggage is not found and a claim is made

under Section 4a, the costs of the items purchased under this policy section will

be deducted from the claim amount paid under Section 4a.

4c. Speciﬁed High Value Items

(Comprehensive Plan Only)

If You wish to include items of Personal Baggage or eects that have a present

day value more than the applicable policy limit per item, You can specify these

on Your policy. You will be required to provide a receipt of purchase and/or

valuation certiﬁcate for each speciﬁed item in the event of a claim and pay

an additional premium prior to the commencement of Your policy. The total

limit per item is NZ$10,000 with an overall total limit for all speciﬁed items of

NZ$20,000 per policy.

4d. Travel Documents

(Comprehensive and Essential Plans Only)

We will pay up to the policy’s Maximum Beneﬁt per Insured Person for:

i. the cost of replacing Your personal travel documents including

passports, entry visas and credit cards, carried with You on Your Journey

arising out of accidental loss or theft;

ii. any additional travel and accommodation expenses, if Your Journey is

disrupted, to arrange replacement of Your travel documents; and

iii. the cost of subsequent unauthorised use by other persons, provided that

You have observed all terms and conditions as set down by the issuing

authority and You cannot recover Your loss from any other source.

As soon as the loss is discovered You must notify the police and the issuing

authority to ensure that the appropriate cancellation measures are taken.

4e. Personal Money

(Comprehensive Plan Only)

We will pay up to the policy’s Maximum Beneﬁt for the accidental loss or theft

from Your person or from a locked safe or from Your accommodation when

You are present in the room, of Personal Money taken on Your Journey for

personal use.

4f. Additional Expenses as a Result of an Act of Terrorism

(Comprehensive Plan Only)

We will provide cover for the Reasonable additional costs incurred, when Your

travel arrangements or Your belongings are aected directly or in connection

with any Act of Terrorism. Provided that any payment for an Act of Terrorism will

be limited to a maximum of NZ$3,000 per Insured Person.

Exclusions – applying to all policies under Section4

1. We will not pay for loss or damage to:

a. household furniture (other than soft goods which include manchester

and household linen);

b. fragile or brittle articles unless damage is caused by ﬁre or accident to

the conveyance in which they are being carried;

c. tools of trade, bicycles, skis/snowboards and/or bindings, surfboards,

windsurfers or similar water equipment other than when they are

damaged in transit on a licensed commercial transporter or resulting

from ﬁre in or theft from locked accommodation premises;

d. any other sporting equipment whilst in use;

e. stock or samples of any kind related to business or trade;

f. Personal Baggage sent in advance or articles mailed, sent or shipped by

freight or cargo separately;

g. Personal Baggage left Unattended by You or Your Travelling

Companion in a Public Place. This includes where an item is at a

distance from You that You cannot prevent it from being taken;

HAPLPW.1_1220

h. Personal Baggage left in a motor vehicle unless stored in a locked

luggage compartment of the motor vehicle and forced entry is gained.

If there is no lockable luggage compartment in the motor vehicle the

items must be unable to be seen from outside the locked vehicle;

i. travel documents not reported within 24 hours to the police or the issuer

of any credit card or travellers cheque(s) or travel documents where

You have not complied with the conditions under which they have been

issued and done everything to minimise the loss;

j. jewellery – except when at the time of the loss or damage the item is

being worn by You, or was in Your bedroom while You are present in the

same room, or in a locked safe;

k. any electronic device caused by the malfunction of thatdevice;

l. any electronic data or software.

2. We will not pay for loss or damage arising from:

a. delay, detention or conﬁscation by Customs Ocers or other ocials; or

b. scratching, denting, grazing, staining, wear and tear, rot, mould, mildew,

rust, corrosion, the action of insects or vermin, or clothing and personal

eects being cleaned, dyed, altered or repaired.

3. We will not pay for loss of Personal Money except when at the time of the

loss or damage the Personal Money was on Your person, or was in Your

bedroom while You were present in the same room, or in a locked safe.

SECTION 5:

PERSONAL LIABILITY

BENEFITS

Based on the policy option shown on Your Certiﬁcate of Insurance, You will be

eligible for each Personal Liability Beneﬁt up to the Maximum Beneﬁt shown in

the Schedule of Beneﬁts.

If You have purchased an Essentials plan there are a number of beneﬁts under

this section where cover is either reduced or unavailable. Please note there are

no beneﬁts under this section if You have purchased the Loss of Deposits plan.

5a. Rental Vehicle Excess

(Comprehensive and Essentials Plans Only)

You are covered for the insurance excess You are required to pay, as a result of

loss or damage to a rental vehicle You have hired, up to the policy’s Maximum

Beneﬁt, provided that:

a. You were the driver of the vehicle at the time of the accident or if the

vehicle was not being driven it was under Your custody and control when

stolen or damaged;

b. You have observed all local driving license rules and regulations;

c. Your vehicle was rented from a licensed rental agency;

d. You have not breached Your rental vehicle hire contract;

e. the excess is not recoverable from any other source; and

f. You have made a claim with the motor vehicle’s insurer which has been

accepted, or would have been accepted except for the application of the

excess.

5b. Personal Liability

(Comprehensive and Essentials Plans Only)

We will indemnify You up to the policy’s Maximum Beneﬁt for all sums that You

become legally liable to pay as direct compensation consequent on:

a. accidental injury, death or illness to persons; or

b. accidental loss or damage to tangible property; occurring during the

course of Your Journey and during the period of insurance.

In respect of a claim to which the above indemnity applies We will pay any

costs of litigation legally recovered by any claimant from You and all other

costs and expenses incurred with Our written consent.

5c. Defence Costs – Including Wrongful Arrest

(Comprehensive Plan only)

We will pay for defence costs incurred by You with Our consent in defending

claims made against You, including such costs incurred which are the direct

result of Your false arrest or wrongful detention by any government or

government agency, up to the policy’s Maximum Beneﬁt.

Exclusions – applying to all policies under Section 5

1. We will not be liable in respect of Your legal liability for injury or damage

caused by or arising in connection with:

i. land or buildings owned, or held in trust by You or in Your custody

and control;

ii. Your business or occupation;

iii. the ownership or use of any land or building, aircraft or aerial device

other than model aircraft;

iv. mechanically propelled vehicles;

v. watercraft other than a rowboat, surfboard, sailboard, body board,

water–ski or model and or boat; or

vi. unmanned vehicles.

2. We will not pay claims arising from:

a. damage to property belonging to You or any employee or member

of Your family or under Your or their control;

b. Injury, death or illness to You, Your employee or members of Your family;

c. damage to any structure or land due to vibration or to the withdrawal

or weakening of support;

d. ﬁnes, penalties and punitive, exemplary, aggravated or liquidated

damages imposed upon or awarded against You;

e. Your liability under a contract;

f. Your unlawful, malicious, deliberate or intentional acts; or

g. transmission of any communicable disease.

HAPLPW.1_1220

CONTACT DETAILS

Email: [email protected]

Phone: 0800 800 048

www.allianzpartners.co.nz

AWP Services New Zealand Limited

trading as Allianz Partners,

Level 3, 1 Byron Ave, Takapuna, Auckland 0622

The Hollard Insurance Company Pty Ltd - Financial Strength Rating

and Overseas Policyholder Preference Disclosure Notice.

The Hollard Insurance Company Pty Ltd has a financial strength rating

of A (Strong) issued by Standard and Poor’s.

The Standard & Poor’s rating scale is:

AAA Extremely Strong

AA Very Strong

A Strong

BBB Good

BB Marginal

B Weak

CCC Very Weak

CC Extremely Weak

C Selective Default

D Default

The rating may be modified by the addition of a plus (+) or minus (-)

sign to show relative standing within the major rating categories.

The rating scale above is in summary form.

A full description of this rating scale can be obtained from

www.standardandpoors.com.

An overseas policyholder preference applies. Under Australian law,

if The Hollard Insurance Company Pty Ltd is wound up, its assets

in Australia must be applied to its Australian liabilities before they

can be applied to overseas liabilities. To this extent, New Zealand

policyholders may not be able to rely on The Hollard Insurance

Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

EMERGENCY PHONE NUMBER

Reverse charge call through

telephone operator: +64 9 486 6868