AUSTRALASIAN
PLAN

UCF001B

Travel and Medical Insurance Policy Wording.
Covers working holiday, study and visitor visa applicants
for work, study and travel in New Zealand or Australia.

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 theterms, 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 reinstatethis Policy.
Your duty does not extend to matters;

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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.

UCF001B INBOUNDPDAUS 6.

If You fail to comply with this duty of disclosure, We may be entitled to reduce Our liability under thisPolicy in respect of a claim, or may cancel this Policy retrospectively.

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Maximum 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, andthe 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 ofcoverage under each section and the Schedule of Benefits in the Certificate of Insurance in NZ$ or
AU$, depending on Your country of intended work, study or travel.

Cover
SECTION 1: Medical and Related Expenses (Including Evacuation,
Repatriation, and Cancellation)
Sub-limits

Maximum over 12 months
Unlimited

Alternative Medical Treatment$500

Continuing Treatment in Country of Origin$20,000

Loss of Deposits$100,000Resumption of Travel$30,000

Accompanying Relatives$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$1,000Travel Delay$10,000

Denial of boarding due to suspicion of contracting Covid-19
SECTION 2 LUGGAGE AND PERSONAL EFFECTS$1,400 ($200 per day)
$30,000

UCF001B INBOUNDPDAUS 6.

Sub-limits
Deprivation of Luggage$1,000Replacement of Travel Documents$3,000

Unauthorised use of Travel Documents$5,000

Money lost or stolen$1,000Maximum Individual Item Value (unless specified and additional
premium paid)
SECTION 3 MISSED TRANSPORT CONNECTION$2,500$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

SECTION 7 RENTAL VEHICLE EXCESS$5,000For family policies, the maximum limits available are two times the limit shown in this table (unless somethingelse 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.

3Your Policy
This Policy is designed to provide cover for
non-New Zealand and Australian residents
aged 65 years or under, who Travel to study,
work and temporarily reside in New Zealand orAustralia.
The Policy consists of:This policy wording, and
The Certificate of Insurance.

They are to be read together as one contract.
The benefit amounts shown in the Schedule ofBenefits in the Certificate of Insurance in
NZ$ or AU$, depending on Your country ofintended work, study or travel. The benefit
amounts are the maximum amounts payable
over the 365 days from the Policy Start Date,regardless of the number of Policies You
arrange with Us over that 365-day period.
However, Your cover under this Policy always
ends in accordance with the Period of
Insurance for Your selected Policy. Sub-limits
apply to some Sections.
In respect to Australia no cover is provided for
any Medical Expenses incurred by Eligible
Persons under the Health Insurance Act 1973
(as amended), unless the claim is outside theirCountry of Origin’s Reciprocal Health Care
Agreement with Australia and has been
declined by Medicare.

General Conditions
APPLICABLE TO ALL SECTIONSUNLESS SPECIFIED OTHERWISE

UCF001B INBOUNDPDAUS 6.

1) AUTOMATIC EXTENSIONSa) We will automatically extend the
Period of Insurance for up to 3
consecutive months from the Policy
End Date, if Your return to YourCountry of Origin is put back due toa delay of transport or Your inability to
Travel due to a Sickness or Injury forwhich a claim is payable under thisPolicy.
b) You are covered up to 9 days, eachway, in transit between Your Countryof Origin and New Zealand orAustralia, during The Period of
Insurance.
c) You are covered for a maximum of
31 days for temporary visits to Bali,

Lombok and the Pacific Islands andreturn to New Zealand or Australia
during the Period of Insurance.

2) CANCELLATIONThis Policy may be cancelled by You by giving
notice to Us either:a) between the Date Issued stated onYour Certificate of Insurance and
the Policy Start Date, orb) within 14 days of the Policy Start
Date, providing You have not claimed.
Upon cancellation of this Policy by You, We
will refund the premium as follows:i)

If cancellation takes place within 14
days of the Date Issued and You havenot claimed or commenced travel, We
will retain 30% of the premium foradministration purposes and for theperiod during which Loss of Deposits
and Cancellation cover was in force.

ii)

If cancellation takes place within 14
days of the Policy Start Date, Your
Policy is for a period of 90 days or
longer and You have not claimed, We
will refund the unused premium to You
on a pro-rata basis less 30% foradministration purposes and theperiod during which Loss of Deposits
and Cancellation cover was in force.

We can cancel this Policy upon giving You 14
days’ notice in writing if:a) You fail to comply with the duty of theutmost good faith.
b) You fail to comply with the duty of
disclosure.
c) You, at the time when the contract
was entered into, made amisrepresentation to Us during thenegotiations for the contract but
before it was entered into.
d) You fail to comply with a provision of
the contract, including a provision withrespect to payment of the premium.

4e) You make a fraudulent claim under
the contract or under some othercontract of insurance (whether withUs or with some other insurer) thatprovides insurance cover during any
part of the period during which thefirst-mentioned contract provides
cover.

repatriated or have lost all of Yourluggage or money.
iv) Direct all claims communications to:
Email: claims@crombie.co.nz
Telephone: in New Zealand
telephone toll free 0800 864 227(0800 UNICARE) or if You areoutside New Zealand telephone: +64
4 381 8166 (collect). Post: nib nz
limited, P.O. Box 91630 Victoria
Street West, Auckland, New Zealand1142.

3) CLAIM OFFSET
Except for Section 4 Events 1 & 2 inclusive
there is no cover under this Policy for any
event or liability that is covered:v) Outside New Zealand & Australia
telephone: +64 4 381 8166 (collect).

under any other insurance policy, health or
medical scheme or Act of Parliament
Under any free health care or treatment isreadily available in New Zealand orAustralia or under any reciprocal healthagreement between the Government of
New Zealand or Australia and theGovernment of any other country or ispayable by any other source or a healthinsurance policy obtained as a condition ofYour entry visa into Australia or New
Zealand.

vi)vii) As soon as possible after suffering
Injury or Sickness obtain and follow
proper medical advice from a
Medical Practitioner.

We will however pay the difference between
what is payable under the other insurance
policy, health or medical scheme or Act ofParliament or reciprocal health agreement orsuch other source and what You would beotherwise entitled to recover under this Policy.

viii) Lodge a written claim against any
person, party, hotel or transport
provider who may be legally liable forloss arising from Your, Injury or
Sickness.

4) DUTIES AND RESPONSIBILITIESUCF001B INBOUNDPDAUS 6.

(a) In the event of a loss, You must
immediately:i)

Do as much as You can to prevent
any further loss or liability.

ii)

Contact nib nz limited at
assist@nibtravel.com or via
telephone toll free in New Zealand
0800 864227 (0800 UNICARE) or if
you are outside New Zealand on+64-4-381 8166 (collect) if You areto be Hospitalised, evacuated or
repatriated or have lost all of Your
Luggage and Personal Effects ormoney.

iii)

In Australia contact Uni-Care Assist,
telephone toll free 1800 864
227(1800 UNICARE) if You are to be
Hospitalised, evacuated or

When You have completed a claim
form, return it to the address shownin iv) above, making sure You
provide the Policy number,supporting reports anddocumentation: such as police
reports, doctor’s reports, transport
provider’s reports, receipts,
valuations or proof of ownership.

ix) Contact the claims department forprior approval of any claim requiring
surgery, or any claim where thecosts are expected to exceed$1,000.
b)

You must not admit liability in respect ofany loss to other people.

5) CURRENCY
All amounts stated in the Policy including the
Schedule of Benefits are in Australian or New
Zealand dollars depending on Your country ofintended work, study or travel. For
reimbursement and payments into aninternational/overseas bank account a fee will
be applied. No fee is applied to New Zealand
Bank Accounts

56) LAWThis Policy shall be governed by New Zealandlaw and any dispute or action in connection
with this policy will be conducted anddetermined in New Zealand.

7) PROOF OF LOSS AND PHYSICAL
EXAMINATION
You or any other person covered by thisPolicy, must provide Us immediately with fullparticulars of any claim made against You by
any other person and all legal documents
served on You or any other person covered bythis Policy. We may at Our own expense
conduct any medical examination or arrange
for an autopsy to be carried out.

8) RENEWALThis Policy may be renewed, with Our
consent, by payment of the applicable renewal
premium. You are unable to renew Your
Policy retrospectively so You must advise Us
if renewal is required before Your Policy End
Date.
When You renew Your Policy (with no gaps or
lapse in cover) We will continue to cover any
accepted Injury or Sickness that has arisen
while insured by Us. However, We have theoption to repatriate You to Your Country of
Origin if You are no longer, in Our Medical
Practitioner’s opinion, medically fit to remain
in New Zealand or Australia for the purpose of
study or travel. Should You refuse to follow theadvice of Our Medical Practitioner We will nolonger pay for any ongoing related medical
costs in New Zealand or Australia from thedate of recommendation for repatriation.

9) REQUIRED INFORMATION
All claims must be notified to Us as soon aspracticable and all medical certificates,
accounts, receipts and information required
by Us shall be furnished in such form and insuch reasonable time as We require. Original
documents must be produced.

UCF001B INBOUNDPDAUS 6.

10) LEGAL DEFENCE/SUBROGATION
We have the right to commence or take overlegal proceedings in Your name, for the
defence or settlement of any claim, or to sue
or prosecute any other party to recover any
monies payable by them at law. You must cooperate with Us and do nothing to hinder Our
rights. We may choose the lawyer to defend

You and You waive privilege in any
communications with Our lawyer.

WHAT SHOULD I DO IF I HAVE A
MEDICAL EMERGENCY?
If you experience a medical emergency in
New Zealand call 111, or in Australia call
000 or visit the nearest medical facility. If
you have been admitted to hospital pleasecall our 24/7 emergency assistance team on+64-4-381 8166 as soon as possible
HOW DO I SUBMIT A CLAIM?
To submit a claim please complete yourclaim form in English and send this toclaims@crombie.co.nz. Please include any
supporting documents including medical
reports, receipts or police reports.
Claims forms are available in multiple
languages but it is important that youcomplete them in English. Please provide
the required supporting documents whensubmitting a claim. Please ensure these arein English. Translation costs (if applicable)
are not claimable and at your own expense
HOW CAN I CHANGE OR UPDATE MY
POLICY?
Please contact the Crombie Lockwood
policy administration team on either: +64 9
362 4039 or via email insure@uni-care.org

11) UNTRUE OR INCOMPLETE
INFORMATION
You are covered under this Policy provided
that the information You supply relevant toYour application is both complete and factual.
If any information is untrue, incomplete,misleading or is not disclosed to Us, We dohave the right to void this Policy and We are
not obliged to pay Your claim.
Insurance fraud is illegal and comes at a costto all policy holders. If You have made a false
or misleading claim please contact Us
immediately to withdraw the claim. No penalty
is applied when You withdraw a claim.

612) GOVERNMENT CHARGESAll premium costs include GST and
Government fees (if applicable) that You arelegally required to pay.

13) CLAIMS EXCESSAn Excess is the amount that You must pay
first for all Your covered losses arising from asingle event before You can claim under Your
policy.
An Excess applies to the below sections of thepolicy:
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Section 1A (Medical and RelatedExpenses) & 1B (Additional expenses)
where there is an Excess of $75
Section 2 (Luggage and Personal Effects)
where there is an Excess of $200 for
Technology Items and $100 for otherclaims under section 2; andSection 3 (Missed connection) where there
is an Excess of $100
Section 5 (Personal liability) where there is
an Excess of $100.
Section 7 (Rental vehicle collision damage
and theft excess cover) where there is an
Excess of $100

Definitions
In this Policy the following definitions apply to
the words in bold font. The definitions apply to
all derivatives of the words defined.
Alternative Medical Treatment means
reasonable expenses necessarily incurred by
You within 12 calendar months of sustaining
Injury or Sickness in respect of medical
advice or treatment by Chiropractors,
Acupuncturists, Osteopaths, Podiatrists,
Dieticians, Nutritionists and Dermatologists
provided they are registered members of arecognised professional body for that type of
Alternative Medical Treatment provider.

UCF001B INBOUNDPDAUS 6.

Certificate of Insurance means the latest
Certificate of Insurance attaching to this Policy
and forming part of it. It contains the Scheduleof Benefits in NZ dollars or Australian dollars
depending on Your country of intended work,
study or travel.
Country of Origin is that country outside New
Zealand and Australia in which You haveestablished permanent residency and/or iswhere Your Travel commenced.

Eligible Person means persons who areentitled to access to the New Zealand and/orAustralian Public Health System due to
Reciprocal Health Agreements with theirCountry of Origin and New Zealand and/orAustralia.
Excess means the amounts stated in thisPolicy that You must pay first for all Your
covered losses arising from a single event
before You can claim under Your policy.
Family means You and/or Your Spouse andYour financially dependent children and legal
wards 18 years of age and under who remain
in Your full custody and control during the trip.
The benefit shown in the Schedule of Benefits
Payable is twice the individual amount shownand is shared by the Family, unless provided
otherwise in this Policy
Financial Default means insolvency,
bankruptcy, provisional liquidation, liquidation,
financial collapse, appointment of a receiver,manager or administrator, entry into any
official or unofficial scheme of arrangement,
statutory protection, restructuring orcomposition with creditors, or the happening ofanything of a similar nature under the laws of
any jurisdiction.
Hazardous means a risk likely to cause Injury
or loss
Hospital means any institution lawfully
operated for the care and treatment of sick or
injured persons with organised facilities fordiagnosis and surgery and having 24 hours a
day nursing service and medical supervision;
but does not include any institution usedprimarily as a nursing or convalescent home, aplace of rest, a geriatric care facility, a mental
institution, a rehabilitation or extended carefacility or a place for the care or treatment of
alcoholics or drug addicts.
Injury means physical and bodily injury whichhappens to You as a result of accidental andexternal violence during the Period of
Insurance and which results solely anddirectly and independently of any other cause
within 12 calendar months of the date ofoccurrence of such injury.

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Kidnapping/Kidnapped means the seizing,detaining or carrying away of You by force or
fraud for the purpose of demanding Ransom.
Luggage and Personal Effects means
personal items owned by You that You taketravelling with You and/or bring with You to
New Zealand, or any items purchased while in
New Zealand. This does not include businesssamples, trade samples, software or electronic
data.
Manual Work means skilled and unskilled
manual work, other than that of an academic
nature.
Medical Expenses means reasonable
expenses necessarily incurred by You within
12 calendar months of sustaining Injury or
Sickness in respect of medical advice ortreatment by a Medical Practitioner, nurse,
Hospital and/or ambulance service for
medical, surgical, diagnostic services,
Hospital or nursing treatment, including
physiotherapy, the cost of medical supplies
and ambulance hire prescribed by a Medical
Practitioner. It includes Alternative Medical
Treatment if that treatment has followedreferral by a Medical Practitioner. This does
not extend to cover Chinese or Ayurveda
Medicine.
Medical Practitioner means any person who
is, or is deemed to be, registered with theMedical Council of New Zealand or Australianequivalent as a practitioner of the profession of
medicine and who holds a current practicing
certificate. This does not extend to coverfamily councillors or social workers.
Negligence means Your failure to exercise
the care that a reasonable person would
exercise in the same circumstance

UCF001B INBOUNDPDAUS 6.

Pacific Islands means Fiji, Cook Islands,
Samoa, American Samoa, Tahiti, Tonga, Niue
and Vanuatu
Public Place means but is not limited to
shops, airports, train stations, streets, hotel
foyers and grounds, restaurants, beaches,
public toilets and any place to which the public
has access.

Period of Insurance means from the -Policy
Start Date until Your return to Your Countryof Origin, or the Policy End Date, whicheveroccurs first, except for section 1B(1) where
cover shall start on the day the premium is
paid or six months prior to the commencementof Your Travel whichever is the later, provided
the cover is granted by Us.
Policy Start Date means the date shown as
the Policy Start Date in the Certificate ofInsurance.
Policy End Date means the date shown as
the Policy End Date in the Certificate ofInsurance.
Present Day Value means the purchaseamount paid for an item, or the current market
value of an item, whichever is the lesser.
Pre-existing Condition/s means, in relation to
You or any other person on whom Your
Travel depends, any medical or physicalconditions or circumstances:a) which You are aware of, or ought tohave been aware of; orb) for which advice, care, treatment,
medication or medical attention has
been sought by You,c) which have been diagnosed as a
medical condition, or an Sickness orindicative of an Sickness; ord) which are of such a nature to require,or which potentially may require
medical attention; ore) which are of such a nature as would
have caused a prudent, reasonable
person to seek medical attention prior
to the start date of Your Policy.
Ransom means any monetary loss which isincurred in the provision and delivery of cash,
marketable goods, services or property tosecure the release of You when Kidnapped.
Relative means Your Spouse, de-facto
Spouse, parent or step-parent or guardian,parent-in-law, daughter, son, daughter orson-in-law, brother or sister, provided such
person(s) are under 76 years of age and isresident in Your Country of Origin.

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Rental Vehicle means a vehicle, such as asedan or station wagon, rented from a licensed
motor vehicle rental agency.
Serious Injury or Serious Sickness (inrespect of a Relative or any other person onwhose state of health the Travel depends)
means a life-threatening medical condition thatfirst manifested itself during Your Period of
Insurance.
Sickness means any illness or disease(including symptoms thereof).
Spouse means Your husband or wife or the
person who cohabits with You in a nature of amarital, de-facto or civil union relationshipduring the 90 days immediately preceding the
Period of Insurance.
Technology Item means mobile phones
including smart phones, digital cameras,
photographic, audio, video and electricalequipment (including CDs, DVDs, video andaudio tapes and electronic games), computers,
tablets, audio or media players, wirelessheadphones, wired headphones, electricscooters and drones.

UCF001B INBOUNDPDAUS 6.

Terrorist Act means any actual or threatened
use of force or violence directed at or causing
damage, Injury, harm or disruption, orcommitting of an act dangerous to human life
or property, against any individual, property or
government, with the stated or unstatedobjective of pursuing economic, ethnic,
nationalistic, political, racial or religious
interests, whether such interests are declared
or not. Robberies or other criminal acts,
primarily committed for personal gain and acts
arising primarily from prior personal
relationships between perpetrator(s) andvictim(s) will not be considered Terrorist Acts.
Terrorism also includes any act that is verified
or recognised by the (relevant) Government as
an act of terrorism.
Total Disablement means disablement which
continues for 12 consecutive months and atthat time is certified by a Medical Practitioner
as being beyond hope of improvement which
results in Your complete inability to engage inor attend to any gainful employment for which
You may become through rehabilitation andretraining reasonably qualified to perform byreason of education, training or experience.

Travel means:a) Travel undertaken by You during the
Period of Insurance to study, work,
travel and temporarily reside in New
Zealand or Australia.
b) In respect of Section 2(5) specificallyrelating to money acquired for theTravel, 72 consecutive hours prior to
the loss and following payment of thepremium to Us.
c) In respect to all other sections fromthe time You depart Your Country of
Origin for commencement of theTravel; and continues until:i) You return to Your Country of
Origin, other than as provided by
Automatic Extension 1(c)ii) the expiration of the Period of
Insurance (unless renewed).
iii) the Policy’s cancellation date
whichever occurs first.
Ultimate Net Loss means the final amount ofRansom cost less any recoveries. If following
Our payment part or all of the Ransom isrecovered You are required to reimburse Us
the value of the amount so recovered.
Unattended means any of the followinga) leaving Your Luggage and Personal
Effects with a person who is notcovered under Your Policy or who is
not a Relativeb) leaving Your Luggage and Personal
Effects in any position where it can betaken without Your knowledge orc) leaving Your Luggage and Personal
Effects at such a distance from You
that You are unable to prevent it being
taken. This also means leaving Your
Luggage and Personal Effects
behind, forgetting it or walking awayfrom it.
Unforeseen means sudden, unexpected, andunintended.
War means war, whether declared or not, or
any warlike activities, including use of militaryforce by any sovereign nation to achieve
economic, geographic, nationalistic, political,
racial, religious or other ends.
We/Our/Us means nib nz limited.

9You/Your means the Insured Persons as
specified in the Certificate of Insurance.
*Words in the singular include the plural andvice versa.

General Exclusions
APPLICABLE TO ALL SECTIONSUNLESS OTHERWISE SPECIFIED
We will not pay under any Section of thisPolicy for any claim arising directly or indirectly
out of:
1. Air travel except as a passenger in any
properly licensed passenger carrying
aircraft. This does not apply to hot air
ballooning.
2. Pregnancy, childbirth, or abortion if thepregnancy existed at the time the Policy
was issued.
3. Pregnancy, childbirth, abortion or if thepregnancy commenced after the Policy
was issued, except where such costs are
incurred because of unexpected medical
complications or emergencies that occur
up to and including the 20th week ofpregnancy.
4. Infertility or birth control.
5. In respect to a child born during the
Period of Insurance, We will not pay forpost-natal care or for any amount inexcess of $100,000 under section 1A for
the treatment of condition(s) existing prior
to or at birth.
6. Sexually transmitted disease or Acquired
Immune Deficiency Syndrome (AIDS) or
Human Immunodeficiency Virus (HIV)infection.
7. Any cost relating to medical treatment forhair loss.

UCF001B INBOUNDPDAUS 6.

8. Any cost relating to a Relative’s Preexisting Medical Condition.
9. Hunting, racing (other than on foot),
playing polo, professional sport,
mountaineering, rock climbing using
ropes or climbing equipment, pot holing,

motorcycling unless the total engine
capacity of the motorcycle is 200cc orless (a motorcycle licence must also beheld at the time and place where theclaim occurred), skydiving (unless under
the supervision of a qualified instructor),hang gliding, ocean yachting (unlesscover has been approved by Us), or
deliberate exposure to exceptional
danger, including Hazardous pursuits.
10. Radioactive contamination or radioactivity
in any form whatsoever whether occurring
naturally or otherwise.
11. War.
12. Intentional use of military force tointercept, prevent, or mitigate any known
or suspected Terrorist Act.
13. Any Terrorist Act.
NOTE: Exclusions 12 and 13 do not apply
to Sections 1A, 1B2(a), 1B2(b), 1B4,
1B5(a) and 1B5(b).
14. You Travelling against medical advice orwhen You are medically unfit to Travel.
15. Travel undertaken for the purpose ofreceiving medical treatment (whether or
not this was the sole purpose for such
Travel) unless agreed to by Us prior to
the departure date for the Travel.
16. Depression, stress, anxiety, mental or
nervous disorder, suicide or attemptedsuicide or self-injury.
17. Diving underwater using an artificial
breathing apparatus unless You hold anopen water diving license or You were
diving under licensed instruction.
18. Manual Work or Hazardous work unless
We have agreed to their inclusion.
19. You being under the influence of alcohol
and/or drugs.
20. You engaging in any activity associatedwith any criminal act.
21. Government intervention at a national orregional level, or by reference togeographical area(s), population levels,
communities or cluster levels, including

10

but not limited to border closures,
mandatory testing, voluntary isolation,
mandatory isolation/quarantine, andpublic lockdowns.

Sickness suffered during the Period of
Insurance including the costs associated withmedical evacuation which has been approved
by Us.

22. Any loss, Injury, damage or legal liability
arising directly or indirectly from Travel in,to or through an “Avoid non-essential
travel” area or “Do not travel” area aslisted on the Safe Travel website(safetravel.govt.nz).

However, this reimbursement is subject to thelimitations contained in subsections a) to c)
below:

23. Any loss, Injury, damage or legal liability
suffered or sustained directly or indirectly
by You if You are:a. a terrorist;b. a member of a terrorist organisation;c. a narcotics trafficker; ord. a purveyor of nuclear, chemical or
biological weapons.
24. Incurred costs for tests, vaccinations or
health screening for immigration/visa
requirements.
25. Incurred costs for screenings orinvestigations where no signs or
symptoms are present
26. Reinstatement, replacement, loss ordamage to any electronic data or software
including any consequential loss
27. The medical treatment costs of injuriescaused by accidents in New Zealand thatare covered by The New ZealandAccident Compensation Commission(ACC).

a)

DENTAL:We will reimburse You for the cost oftreatment for:i)
Injury to teeth suffered during the Period
of Insurance, andii) The initial consultation for the relief ofsudden and acute pain during the Period
of Insurance using antibiotics, temporary
dressings or extraction, however We will
not pay for elective treatment or Normal
Maintenance as defined below.
Normal Maintenance: includes fillings, root
canals, polishing and scaling, wisdom teeth
extractions, replacement due to loss of dental
bridges, restoration work, caps, crowns,
precious metal costs or pins and fittings,
periodontal, titanium implants or any dental
work resulting from lack of regular dental
maintenance and/or hygiene.

b) MENTAL ILLNESS:
Subject to a limit of $20,000, We will
reimburse You for all Medical
Expenses incurred for the treatment ofdepression, stress, anxiety, mental or
nervous disorder, suicide or attempted suicide
or self-injury.

NOTE:

UCF001B INBOUNDPDAUS 6.

28. Your disinclination to Travel.

General Exclusion 16 does not apply
to1A 1(b).

29. Travelling against local or New Zealand
Government advice or Travelling against
Our advice.

c) ALTERNATIVE MEDICALTREATMENT

30. A likely or actual epidemic/pandemic
declared by a government or WHO(who.int).

We will reimburse you for the cost of
Alternative Medical Treatment for up to $500
over the 12 month period beginning on the
Policy Start Date but subject overall to Your
Period of Insurance.

Section 1A: Medical and
Related Expenses

2) CONTINUING TREATMENT

1) MEDICAL EXPENSES:
We will reimburse You for Medical Expenses
incurred for the treatment of an Injury or

Following Your permanent return to YourCountry of Origin, We will also pay for Your
continuing treatment, to a maximum of$20,000, always provided any costs covered
under this Section are incurred within 12

11months from the date of Your first covered
claim relating to the Injury, or Sickness.



COVID-19 EXTENSION TO SECTION 1A

To this extent only, General Exclusion 21 and
30 do not apply to this extension.

Section 1A is extended to include cover if You
suffer the Sickness of Covid-19.
To this extent only, General Exclusions 21 and
30 do not apply to this extension.

Supporting Documents Required for Your
Claim May Include:
Medical report(s) confirming yourdiagnosis
If you are admitted to hospital yourdischarge report
Any receipts
In some cases, we may request additional
documents, such as a medical reportconfirming your pre-existing conditions. This
will depend on your individual
circumstances.

Section 1B: Additional
Expenses
1) LOSS OF DEPOSITS
We will reimburse You the non-recoverable
and unused portion of: Travel accommodation, educational fees other deposits
paid for inadvance by You, if Your Travel is cancelled,
altered or not completed due to:a) The Unforeseen death, Serious
Injury or Serious Sickness of a
Relative, closebusiness associate or Travellingcompanion, provided that this person
is under 76 years of age.
b) You suffering an Injury or Sickness
during the Period of Insurance.

UCF001B INBOUNDPDAUS 6.

COVID-19 EXTENSION TO SECTION 1B
1 LOSS OF DEPOSITS
Section 1B 1 is extended to include cover if
You suffer the Sickness of Covid-19 during
the Period of Insurance.
Please note that this extension excludes thedeposits paid for the following:

educational fees

campus or student accommodation,and isolation/quarantine

2) REPATRIATION AND ADDITIONAL
EXPENSES
We will reimburse You, or pay on Your behalf
where We agree circumstances necessitate,
for the expenses You reasonably andnecessarily incur in addition to those You
already budgeted for or were likely to incur
during Your Travel , as a result of:a. You having to return to Your Countryof Origin during the Period of
Insurance due to the Unforeseen
death, Serious Injury or Serious
Sickness of a Relative, closebusiness associate or Travellingcompanion during the Period of
Insurance, provided that such aperson is under 76 years of age
b. You suffering an Injury or Sickness
during the Period of Insurance.
c. any other Unforeseen circumstanceduring the Period of Insurance notcovered elsewhere in the Policy which
is outside Your control other thanthose circumstances described in a) &b) above or specifically described
elsewhere in the Policy,
less any refund You are entitled to for prepaid
Travel and accommodation arrangements

COVID-19 EXTENSION TO SECTION 1B
2 (B) AND 2 (C)Section 1B 2 (b) & 1B 2 (c) above areextended to include cover if You suffer the
Sickness of Covid-19 during the Period of
Insurance.
Please note that this extension excludes thefollowing expenses:



educational fees or expenses,
campus or student accommodation
expenses, andisolation/quarantine expenses.

Should You be denied boarding a plane orship due to suspicion of You having Covid-19
during Your Period of Insurance, We will
reimburse You for additional accommodation

12

and meal expenses up to $200 per 24-hours,
up to a maximum of $1400.
To this extent only, General Exclusions 21 and
30 do not apply to this extension.

NOTE:
General exclusions 16 & 19 do not apply to 1B
2. The benefit limit for claims that would
otherwise be excluded by exclusion 19 is$10,000 over the 12-month period beginningon the Policy Start Date.
We strongly recommend You seek preapproval for claims over $1,000 prior toincurring expenses to understand what iscovered under your Policy

COVID-19 EXTENSION TO THISBENEFIT
Section 1B subsection 4 is extended to include
cover if You suffer the Serious Sickness of
Covid-19.
To this extent only, General Exclusions 21 and
30 do not apply to this extension.

NOTE:
General Exclusions 2, 3, 4, 16, and 19 do not
apply to 1B 4.
We strongly recommend You seek preapproval for claims over $1,000 prior toincurring expenses to understand what iscovered under your Policy5) OTHER BENEFITS AND EXPENSES
3) RESUMPTION OF TRAVEL
If You wish to resume Your original Travel
following a covered claim under clause 2(Repatriation and Additional Expenses) above,
We will pay the reasonable additional costs ofeconomy class air fares to return You to thesame location and position You were in prior
to Your claim. Provided:a. Your resumption of travel takes place
within six months of the date of theclaims event recorded on Your claim
for clause 2 and,b. at least 28 days of the original Period
of Insurance were remaining whenthe event that necessitated Your
return occurred.
c. if Your resumption of travel isnecessary for educational purposessuch as completing examinations,lectures or research commitments oran existing academic course, We may,at Our sole discretion, waive the 28
days requirement of proviso 3(b).

UCF001B INBOUNDPDAUS 6.

4) ACCOMPANYING RELATIVES
If You are Hospitalised for a Serious Injury or
Serious Sickness and medical circumstances
dictate, We will pay for the reasonable returnairfare (economy class unless otherwise
agreed to by Us), transportation andaccommodation charges incurred, for up to
two of Your Relatives to attend You and/or
escort You to Your Country of Origin, or in
the event of Your death to accompany Your
remains back to Your Country of Origin. The
maximum sum payable is $100,000 over the
12-month period beginning on the Policy Start
Date, but subject overall to Your Period of
Insurance

Refer to the Schedule of Benefits Payable in
NZ$ or AU$, depending on Your country ofintended work, study or travel, contained in theCertificate of Insurance for the amounts
payable. We will pay You:a.

IN HOSPITAL CASH

A cash benefit for every continuous 24 hour
period You are confined to Hospital as an
in-patient due to Injury or Sickness.
This benefit is paid at $100 per 24 hour periodwith a maximum limit of $10,000.

COVID-19 EXTENSION TO THISBENEFIT
Section 1B 5(a) is extended to include cover if
You suffer the Sickness of Covid-19.
To this extent only, General Exclusions 21 and
30 do not apply to this extension.

b. FUNERAL EXPENSES
The reasonable cost up to $100,000 of
returning Your remains to Your Country of
Origin or the reasonable funeral and related
costs if the body is buried or cremated at theplace of death in the event You die during the
Period of Insurance.
This benefit limit is $100,000.

COVID-19 EXTENSION TO THISBENEFIT
Section 1B 5(b) is extended to include cover if
You suffer the Sickness of Covid-19.
To this extent only, General Exclusions 21 and
30 do not apply to this extension

13

NOTE:
General Exclusions 2, 3, 4, 16 and 19 do not
apply to 1B 5(b)c. FALSE ARREST EXPENSES
The reasonable legal costs actually andnecessarily incurred by You as a result ofYour false arrest or wrongful detention, during
the Period of Insurance, by any legally
recognised foreign Government.
This benefit limit is $10,000.

d. HIJACK CASH
A cash benefit for every continuous 24 hour
period that You are detained as a result of the
public transport in which You are Travelling
being hijacked during the Period of InsuranceThis benefit is paid at $100 per 24 hour periodwith a maximum limit of $10,000.

e. RENTAL VEHICLE RETURN
The reasonable costs incurred in returningYour Rental Vehicle to the nearest Rental
Vehicle depot if You are unable to return itYourself due to Your Sickness, Injury, or
death during the Period of Insurance, but
only where You are liable for such costs under
the hire agreement.
This benefit limit is $1,000.

f.

TRAVEL DELAY

If Your Travel arrangements are delayed forat least 6 consecutive hours due to any
Unforeseen cause beyond Your control We
will pay for Your reasonable extra costs
necessarily incurred due to the delay,
including the costs of meals, which are notrecoverable from any other source.
This benefit limit is $10,000.

Supporting Documents Required forYour Claim may Include:- Airline ticket or pre-paid expenses
confirmation- Any receipts with refund terms andconditions- Confirmation of reason for the travel
disruption or cancellation
In some cases, we may request
additional documents. This will dependon your individual circumstances.

EXCLUSIONS APPLYING TOSECTIONS 1A AND 1B.
We will not pay for:1) Charges You incur if You fail to return toYour Country of Origin or to analternative location at Our direction once
You may, in the opinion of Our medical
adviser, have safely undertaken to do soor after You fail to follow Our advice or
instruction.
2) Expenses relating to the continuation or
maintenance of any course of treatment
You were receiving prior to the Policy
Start Date or replenishment of prescribed
medications being taken by You prior toYour departure from Your Country of
Origin, unless the prescribed medication
was lost or damaged during the Period of
Insurance3) Expenses arising from elective surgery orelective medical treatment, unlessotherwise agreed in writing by Us.
4) Any expenses incurred more than 12
calendar months after the date of Injury
or, in the case of Sickness, more than 12
calendar months after the date on which
the first Medical Expense is incurred or
the Policy End Date whichever occurs
last.

UCF001B INBOUNDPDAUS 6.

5) Any Pre-existing Condition that has notbeen declared and noted on theCertificate of Insurance as a Preexisting Condition.
6) Disposable contact lenses.

147) Any claim arising from:a) Cancellation, curtailment ordiversion of scheduled public transport
services, including by reason of strikes
or other industrial action, if there had
been warning in the news media orcurrent notifications in the local
Government or Country Warning websites, before the date the Travel wasbooked, that such events were likely tooccur.
b) Carrier caused delays where the costs
are recoverable in full from the carrier.
c) Any business or financial orcontractual obligation or commitment
of You or of any other person onwhom the Travel depends.
d) Any change of plans or disinclination
to Travel on Your part or of any otherperson on whom the Travel depends.
e) The inability of any tour operator orwholesaler to complete arrangements
for any tour due to a deficiency in therequired number of persons tocommence any tour or journey.
f) The refusal, failure or inability of any
person, company or organisation,
including but not limited to any airline,
other transportation provider, hotel,
car rental agency, tour or cruise
operator, travel wholesaler, booking
agent or other provider of travel ortourism related services, facilities or
accommodation, to provide services,
facilities or accommodation, by reasonof their own Financial Default or the
Financial Default of any person,company or organisation with whom orwith which they deal.

UCF001B INBOUNDPDAUS 6.

8) More than one repatriation transit inrelation to the same Relative, condition or
event.

described below occur during the Period of
Insurance:

1) LOST OR DAMAGED PROPERTY
For accidental loss of or damage to Your
accompanied Technology Items or Luggage
and Personal Effects, which You use during
the Period of Insurance (including papers,
specifications, manuscripts and stationery for
their face value only).

2) DEPRIVATION OF LUGGAGE ANDPERSONAL EFFECTS
For emergency replacement of essential
Luggage and Personal Effects if Your
Luggage and Personal Effects is delayed,
misdirected or temporarily misplaced by any
carrier for more than 8 consecutive hours.
Claims must be supported by written
confirmation from the carrier responsible andreceipts for the replacement items You
needed to purchase. Claims are limited to a
maximum of $1,000 for an individual or a
Family.

3) REPLACEMENT OF TRAVELDOCUMENTS
For the non-recoverable cost of replacing
Travel documents, credit cards and Travellers
cheques accidentally lost or damaged, up to a
maximum of $3,000 for an individual or Family

4) UNAUTHORISED USE OF TRAVELDOCUMENTS
For Your legal liability for compensation
arising out of the unauthorised use of Your
Travel documents, credit cards or Travellers
cheques which are stolen during the Period of
Insurance by any person other than You,Your Relative or Travelling companion,
limited to $5,000 over the 12-month period
beginning on the Policy Start Date, but
subject overall to Your Period of Insurance.

9) The Excess of $75.00 of any claim under
this section of the Policy.

5) MONEY

Section 2: Luggage,
Personal Effects, Travel
Documents, Money andCredit Cards

For accidental loss of cash, bank or currency
notes, cheques, postal or money orders orother negotiable instruments taken with You.
Maximum payable is $1,000 over the 12month period beginning on the Policy Start
Date, but subject overall to Your Period of
Insurance.

We will pay You should any of the events

15

Note:In regard to Section 2.1:(a). the maximum amount We will pay forany one item, set or pair of items is$2,500 unless the item, set or pair of
items is specified on the Certificate ofInsurance and the additional premiumhas been paid.
(b). The limit for any specified item, set orpair of items is $5,000 with amaximum for all specified items of$30,000.
(c). In the event of a claim You must beable to support Your claim withreceipts or valuations.

BASIS OF SETTLEMENT UNDER THISSECTION
For payment under this section We have theoption, at Our sole discretion, to:a) pay the replacement cost of theitem(s) being claimed; orb) choose to repair or replace the item(s)being claimed; orc) pay the depreciated value of the items
being claimed; ord) pay You an amount that covers Yourloss, being the lesser of Our
reasonable cost to replace the itemwith an item that is of equivalentage, general condition, quality andcapability or the cost of indemnifying
You under a), b) or c) above.
Where We elect to pay the depreciated value
under this section, depreciation is applied toan item as per the below:
Technology Items
Age of ItemLess than 6 months old
6-12 months old
1-2 years old
2-3 years old
Over 3 years old

Depreciation
NIL
15%
30%
60%
80%

All other non Technology Items less than 2
years old are paid at Present Day Value.

UCF001B INBOUNDPDAUS 6.

All other non Technology Items over 2 years
old are paid at Present Day Value less 20%.

CONDITIONS APPLYING TO SECTION 2
1) It is a condition of payment under thisSection that all losses including damage

attributable to theft or vandalism bereported to the local police or appropriate
authority as soon as possible after the
discovery of the loss and a written
acknowledgement of the report obtained.
Any loss of credit cards, Travellers
cheques or Travel documents must bereported as soon as possible to the issuingauthority and the appropriate cancellation
measures taken.
2) You shall take all reasonable precautions
for the packaging, safety and supervisionof any Technology Item(s), portableelectronic property, personal effects,
Travel documents, money and credit cards.
3) You must not leave any item(s) unlocked
or Unattended in a Public Place or in any
unlocked and unattended building or
vehicle at any time, nor in a vehicle
overnight , unless in a locked
compartment that is not visible from theoutside of the vehicle (for example boot or
cubbyhole), nor in a vehicle overnight4) All cash or jewellery must either be on
You in person or in a locked safe. There isno cover if You leave jewellery or cash ina room where You are not present.
5) You must secure Technology Item(s)and portable electronic property in alocked premise, safe or strong room or outof sight in a locked vehicle and carry suchitems as personal hand luggage.

SUPPORTING DOCUMENTS REQUIREDFOR YOUR CLAIM MAY INCLUDE:
Proof of ownership including receipts
If applicable :Police report if items are stolen or lost
OR
Lost or delayed baggage reports
In some cases, we may request additional
documents. This will depend on yourindividual circumstances.

EXCLUSIONS APPLYING TO SECTION
2
We will not pay for:1) Scratching or breakage of fragile or brittle
items.
2) Damage or loss arising from wear andtear, deterioration, atmospheric or climatic
16

conditions, mould or fungus, insects,
rodents, vermin, or any process ofcleaning, ironing, pressing, repairing,
restoring or alteration.
3) Any item(s) shipped under a freightagreement, sent by a postal or courier
service, or purchased over the internet.

circumstance occurring during the Period of
Insurance and outside Your control You missa transport connection and are required tomake alternative arrangements to arrive at a
special event such as school examination,
start of the school year, conference or wedding
which cannot be delayed because of Your latearrival.

CONDITIONS APPLYING TO SECTION 3SUPPORTING DOCUMENTS REQUIREDFOR YOUR CLAIM MAY INCLUDE:
Airline ticket or pre-paid travel expenses
confirmation
Any receipts for additional reasonable
scheduled public transport
Confirmation of reason for missedtransport connection
In some cases, we may request additional
documents. This will depend on yourindividual circumstances.

2. You must remain in Your original booking
class/cabin (We will not accept any cabin
upgrades).
3. You must seek any refunds on unusedtickets/taxes or travel vouchers. Where arefund has been provided, We will settle
this expense less the amount You havebeen refunded.

4) Losses due to depreciation or devaluationof currency.

EXCLUSIONS APPLYING TO SECTION
35) Loss or damage arising from theconfiscation or destruction by Customs or
any other authority.

We will not pay for:1) Any missed transport connection arisingfrom any business or financial orcontractual obligation or commitment of
You or of any other person on whom theTravel depends.

6) Household furniture or household
appliances being used by You fordomestic use and non portable
Technology Item(s). or electronicequipment.
7) Damage to sporting equipment including
surfboards, sailboards, boogie boards andbicycles 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
Policy.
9. More than $10,000 for any claim under
this Section in respect of insured items leftin a vehicle.

UCF001B INBOUNDPDAUS 6.

1. You must ensure that all reasonable effort
has been made to avoid additional
expenses.

Section 3: Missed Transport
Connection2) Claims arising from the inability of any tour
operator or wholesaler to complete
arrangements for any tour due to a
deficiency in the number of people
required to commence any tour or journey.
3) Claims arising from a special event which
could have been rescheduled to a latertime to coincide with Your late arrival.
4) Any change of plans or disinclination to
Travel on Your part or of any other person
on whom the Travel depends.
5) Claims arising from industrial disputes that
You were aware of prior to the Policy
Start Date.
6) The Excess $100 of any claim under thissection of the Policy.

We will pay the cost of additional reasonable
scheduled public transport services andaccommodation if due to an Unforeseen17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 thecompensation listed under the Schedule ofBenefits Payable in NZ$ or AU$ depending onYour country of intended work, study or travel
stated in the Certificate of Insurance.

medically acquired infections or blood
poisoning.

Section 5: Personal Liability
SUPPORTING DOCUMENTS REQUIREDFOR YOUR CLAIM MAY INCLUDE:
Medical notes confirming total
disablement or death certificate OR
Evidence supporting yourdisappearance
In some cases, we may request additional
documents. This will depend on yourindividual circumstances.

2) EXPOSURE
We will pay the compensation listed under the
Schedule of Benefits Payable in NZ$ or AU$
depending on Your country of intended work,
study or travel, in the Certificate of Insurance
if as a result of an Injury You are exposed tothe 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 theconveyance in which You were Travelling,
death will be presumed in the absence of any
evidence to the contrary.

CONDITIONS APPLYING TO SECTION 41) After the occurrence of any of the events,
all cover under this Section shall cease.
2) Benefits shall not be payable for morethan one of the events.
3) In the event of the death of a financiallydependent child and/or legal ward under
the age of 16 years of age who are
Travelling under a Family Policy amaximum benefit of $10,000 will apply.
All Compensation is payable to You, Yourestate or persons nominated by You.

EXCLUSIONS APPLYING TO SECTION
4

UCF001B INBOUNDPDAUS 6.

We will not pay for any claim which directly or
indirectly arises from or is caused by:
1) Any type of illness, disease, infection orcontagion, even if contracted through an
Injury. This Exclusion shall not apply to

We will pay all damages, compensation andlegal expenses, up to the amount specified in
the Schedule of Benefits Payable in NZ$ or
AU$ depending on Your country of intended
work, study or Travel, in the Certificate ofInsurance for which You become legally liable(inclusive of necessary and reasonabledefence costs) as a result of Your Negligenceduring the Travel causing:1) Bodily Injury (including death or illness) of
another person.
2) Physical loss of or damage to property ofothersduring the Period of Insurance.

CONDITIONS APPLYING TO SECTION 5
It is a condition of payment under this Sectionthat You do not admit fault or liability to any
other person without Our prior written consent.

SUPPORTING DOCUMENTS REQUIREDFOR YOUR CLAIM:
Proof of event(s) and evidence ofdamages
Evidence of damage expense
In some cases, we may request additional
documents. This will depend on yourindividual circumstances.

EXCLUSIONS APPLYING TO SECTION
5
We will not pay damages, compensation orlegal expenses in respect of any liability
directly or indirectly arising out of or inconnection with:18

1) Bodily Injury (including death or illness) to
You or to any member of Your Family
ordinarily residing with You.

Section 6: Kidnap andRansom2) Bodily Injury (including death or illness) to
any of Your employees arising out of or in
the course of employment.

We will pay if You are Kidnapped:

3) Physical loss of or damage to property
owned by or in the control of You or any
member of Your Family ordinarily residing
with You.
4) Physical loss of or damage to property orbodily Injury (including death or illness),arising out of Your ownership, use orpossession of any mechanically propelledvehicle, aircraft or water-borne craft.
5) Loss of or damage to property or bodily
Injury (including death or illness) arisingout of Your business or trade or
occupation, or out of professional advice
given by You.
6) Any contract unless such liability would
have arisen in the absence of that
contract.
7) Loss or damage or bodily Injury(including death or illness) arising from acriminal or illegal act.
8) Judgments which are not in the first
instance either delivered by or obtained
from a court of competent jurisdiction
within New Zealand, Australia or thecountry in which the accident occurredgiving rise to Your liability.

1) The Ultimate Net Loss of Ransom paidby You, or Your representative, following
the Kidnapping of You during the Period
of Insurance.
2) The reasonable expenses, actually andnecessarily incurred following receipt of a
Ransom demand after the Kidnapping ofYou during the Period of Insurance, for:a) the fees and expenses of a security
consultant retained as the result ofsuch a demand, provided We havegiven Our consent to the appointmentof the security consultant.
b) interest paid on monies borrowed froma financial institution for the purpose ofpaying Ransom. The amount We will
pay will be for a term not exceeding 30
days prior to the payment of the
Ransom until the first business day
after settlement from Us, on aprincipal sum not exceeding $250,000,
and for a rate of interest not exceeding
2% above the contemporary overdraft
interest rate changed by the ANZ
Banking Group (New Zealand)
Limited.
c) any other expenses which are incurred
for the purpose of investigating,negotiating, or paying a Ransom
demand or recovering You.

9) Aggravated, exemplary or punitive
damages.

CONDITIONS APPLYING TO SECTION 6

We will not pay the Excess of $100.

It is a condition of payment under this Section
that:1) You must keep this insurance coverconfidential.

UCF001B INBOUNDPDAUS 6.

2) We will not act as an intermediary or
negotiator for You, nor will We offer direct
advice on dealing with the kidnapper.
3) On advice that You have or may havebeen Kidnapped, it will be necessary to:a) determine whether You have been
Kidnapped;

19b) notify the appropriate law enforcement
agency and comply with theirrecommendations and instructions;c) give Us immediate notification of the
Kidnapping or suspicion of it;d) record the serial numbers or otheridentifying characteristics of any
currency or goods delivered to secure
the release of You.
4) If investigation establishes collusion or
fraud by You, You must reimburse Us forany payment We have made under thisSection.

SUPPORTING DOCUMENTS REQUIREDFOR YOUR CLAIM:
Police or Security report
In some cases, we may request additional
documents. This will depend on yourindividual circumstances.

EXCLUSIONS APPLYING TO SECTION
6depending on Your country of intended work,
study or Travel in the Certificate ofInsurance, during the Period of Insurance inrespect of loss or damage to a Rental Vehicle
during the rental period.

Conditions Applying to Section 7
1) The Rental Vehicle must be rented from alicensed rental agency.
2) As part of the hiring arrangement You
must take up the Rental Organisation’scomprehensive motor insurance for theduration of the rental period.
3) You must comply with all of therequirements of the rental organisation
under the hire agreement and of theinsurer under the insurance.
4) You must hold a valid driver’s licence forthe country You are in. You must be
legally allowed to drive the Rental Vehicle
and comply with local diving rules.

We will not pay:
1) If You have:a) had kidnap insurance declined,
cancelled or issued with special
conditions in the past;b) suffered a Kidnapping or attempted
Kidnapping in the past;c) had an extortion demand madeagainst You in the past.
2) For Kidnapping occurring in YourCountry of Origin or any country where
there is a “avoid non-essential travel” or“do not travel” area as listed on the safe
travel website (www.safetravel.govt.nz)

UCF001B INBOUNDPDAUS 6.

Section 7: Rental Vehicle
Collision Damage and Theft
Excess Cover
We will reimburse You for any excess,deductible, or costs within the excess or
deductible, for which You become legally
liable to pay, limited to the sum listed in the
Schedule of Benefits Payable in NZ$ or AU$

SUPPORTING DOCUMENTS REQUIREDFOR YOUR CLAIM:
Police Report / Accident Report
Rental Vehicle Agreement
Copy of your drivers licence
In some cases, we may request additional
documents. This will depend on yourindividual circumstances.

EXCLUSIONS APPLYING TO SECTION
7
We will not pay for:1) Liability for loss or damage arising fromthe operation of the Rental Vehicle inviolation of the terms of the rental orinsurance agreement.
2) Wear and tear, gradual deterioration,
damage from insects or vermin, inherent
vice or damage.
3) The Excess of $100.

20

Claims and Emergency Assistance Contacts
Toll free in New Zealand:
0800 864 227 (0800 UNICARE)

Financial strength

Toll free in Australia:
1800 864 227 (1800 UNICARE)

nib nz limited has an A- (Strong) Financial
Strength Rating from S&P Global Ratings
Australia Pty Ltd

Outside New Zealand and Australia:+64-4-381 8166 (collect)

Standard & Poor's rating scale
AAA

Extremely Strong

AA

Very Strong

A

Strong

BBB

Good

BB

Marginal

If an emergency arises or you requireassistance, contact the Assistance Service
immediately to ensure that delays do not occur
which might compromise their ability to act onYour behalf.

B

Weak

CCC

Very WeakCC

Extremely Weak

SD or D

Selective Default or Default

When you have completed a claim form, post it
to the address shown on the form. Include
Your policy number, receipts and otherdocumentation necessary to support Your
claim.

R

Regulatory Action

NR

Not Rated

nib nz limited

For more information, visit
www.spratings.com/understanding-ratings

Claims: claims@crombie.co.nz
Assistance: assist@nibtravel.com

P.O. Box 91630 Victoria Street West,

Ratings from 'AA' to 'CCC' may be modified by theaddition of a plus (+) or minus (-) sign to show
relative standing within the major rating categories.

UCF001B INBOUNDPDAUS 6.

Auckland, New Zealand1142

21

uni-care.org

UCF001B INBOUNDPDAUS 6.

insure@uni-care.org

22