TRAVEL AND MEDICAL INSURANCE POLICY WORDING
AUSTRALASIAN PLAN
COVERS WORKING HOLIDAY, STUDY AND VISITOR VISA APPLICANTS
FOR WORK, STUDY AND TRAVEL IN NEW ZEALAND OR AUSTRALIAThis Policy, issued/insured by QBE Insurance (International) Limited, consists ofseveral Sections and provides You with insurance cover under those Sections
as shown in the Policy Schedule. All cover is subject to payment of the requiredpremium, and is also subject to all the terms, conditions and exclusions of the
Policy including anything noted in the Policy Schedule. This Policy does notcover any event which happens to You unless, at the date of such event, You
are aged 65 years or under.

ii)

If cancellation takes place within 14 days of the Start Date of the Policy,
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% for administration purposes and the period during which Loss of
Deposits and Cancellation cover was in force.
2. We can cancel this Policy of insurance upon giving You 14 businessdays notice in writing if:(a) You fail to comply with the duty of the utmost 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 the negotiations for the contract but
before it was entered into.
(d) You fail to comply with a provision of the contract, including a provision
with respect to payment of the premium.
(e) You make a fraudulent claim under the contract or under some othercontract of insurance (whether with Us or with some other insurer) thatprovides insurance cover during any part of the period during which thefirst-mentioned contract provides cover.
4. CLAIM OFFSET
Except for Section 4 Events 1 & 2 inclusive there is no cover under this Policy
for any loss or event or liability which is covered under any other insurance
Policy, health or medical scheme or Act of Parliament or to the extent that
free health care or treatment is readily available in New Zealand, Australia
or under any reciprocal health agreement between the Government of New
Zealand or Australia and the Government of any other country or is payableby any other source or a Health Insurance Policy obtained as a conditionof Your entry visa into Australia or New Zealand. We will however pay thedifference between what is payable under the other insurance Policy, healthor medical scheme or Act of Parliament or reciprocal health agreement orsuch other source and what You would be otherwise entitled to recover under
this Policy.
5. DUTIES AND RESPONSIBILITIES(a) In the event of a loss, You must immediately:i) Do as much as You can to prevent any further loss or expense.
ii) In New Zealand contact Uni-Care Claims Service, P.O. Box 496
Wellington, New Zealand, telephone toll free 0800 864 227 (0800
UNICARE) if You are to be Hospitalised, evacuated or repatriatedor have lost all of Your luggage or money.
iii) In Australia contact Uni-Care Assist, telephone toll free 1800 864
227 (1800 UNICARE) if You are to be Hospitalised, evacuated or
repatriated or have lost all of Your luggage or money.
iv) Direct all claims communications to: Uni-Care Claims Service, P.O.
Box 496 Wellington, New Zealand, claims@crombie.co.nz in NZ
telephone toll free 0800 864 227 (0800 UNICARE), in Australia
telephone toll free 1800 864 227 (1800 UNICARE).
v) Outside New Zealand & Australia telephone: +64 4 381 8166
(collect).
vi) When You have completed a claim form, return it to the address
shown in iv) above, making sure You provide the Policy number,supporting reports and documentation: such as police reports,
doctor’s reports, Transport Provider’s reports, receipts, valuations
or proof of ownership.
vii) As soon as possible after suffering Injury or Sickness obtain andfollow proper medical advice from a Medical Practitioner.
viii) Lodge a written claim against any person, party, hotel or transport
provider who may be legally liable for Your loss, Injury or Sickness.
ix) Contact the claims department for prior approval of any claim
requiring surgery, or any claim where the costs are expected to
exceed $2,500.
(b) You must not admit liability in respect of any loss.

YOUR DUTY OF DISCLOSURE
Before You enter into this Policy You have a duty to disclose to Us every matterthat 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;• that diminish the risk to be undertaken by Us.
• that are of common knowledge.
• that We know or in the ordinary course of Our business ought to know.
• where compliance of Your duty is waived by Us.
If You fail to comply with this duty of disclosure, We may be entitled to reduce
Our liability under this Policy in respect of a claim, or may cancel this Policy.
If Your non-disclosure is fraudulent, We may also have the option of avoiding thisPolicy from the inception date.
YOUR POLICYThis Policy is designed to provide cover for non New Zealand and Australianresidents aged 65 years or under, who Travel to study, work and temporarily
reside in New Zealand or Australia.
In respect to Australia no cover is provided for any Medical Expenses incurredby Eligible Persons under the Health Act 1973 (as amended), unless the claim is
outside their Country Of Origin’s Reciprocal Health Care Agreement with Australia
and has been declined by Medicare. • Please read Your Policy carefully.
The benefit amounts shown on the Schedule of Benefits Payable (under the
Certificate of Insurance) are the maximum amounts payable for Your selected
Policy. Sub-limits apply to some Sections.
GENERAL CONDITIONS - APPLICABLE TO ALL SECTIONS UNLESSSPECIFIED OTHERWISE
1. AUTOMATIC EXTENSIONS(a) We will automatically extend the Period of Insurance for up to 3 consecutive
months from the completion date shown in the Certificate of Insurance,
if Your return to Your Country of Origin is put back due to a delay oftransport or Your inability to Travel due to an Illness or Injury for which aclaim is payable under this Policy.
(b) You are covered up to 9 days, each way, in transit between Your Countryof Origin and New Zealand or Australia, during The Period of Insurance.
(c) You are covered for a maximum of 31 days for temporary visits to Bali,
Lombok and the Islands of the South Pacific and return to New Zealandor Australia during the Period of Insurance.
2. AUTOMATIC REINSTATEMENTThe Policy is subject to automatic reinstatement without additional payment,
following any one claim for loss or damage.
3. CANCELLATION
1. This Policy may be cancelled by You:(a) between the Date of Issue stated on Your Certificate of Insurance andthe Start Date of Your Policy, by giving Us written notice of a future dateand;(b) within 14 days of the Start Date of the Policy, providing You have notclaimed.
Upon cancellation of this Policy by You we will refund premium as follows:(i) If cancellation takes place within 14 days of the Date of Issue andyou have not claimed or commenced travel, we will retain 30% of thepremium for administration purposes and the period during which Lossof Deposits and Cancellation cover was in force.

6. CURRENCY
All amounts stated in the Policy including the Schedule of Benefits are inAustralian or New Zealand dollars depending on Your country of intended
work, study or travel.
1

13. Permanent means having lasted for 12 consecutive months and at the endof that time being beyond any hope of improvement.
14. Public Place means but is not limited to shops, airports, train stations,streets, hotel foyers and grounds, restaurants, beaches, public toilets andany place to which the public has access.
15. Period of Insurance means from the commencement date shown in theCertificate of Insurance until Your return to Your Country Of Origin, or thecompletion date shown in the Certificate of Insurance, whichever occurs first,
except for section 1B(1) where cover shall start on the day the premium is
paid or six months prior to the commencement of your journey whichever isthe later, provided the cover is granted by the Company.
16. Pre-existing Condition/s means, in relation to You or any other person
on whom Your Travel depends, any medical or physical conditions or
circumstances:a) which you are aware of, or ought to have been aware of; orb) for which advice, care, treatment, medication or medical attention has
been sought, given or recommended; orc) which have been diagnosed as a medical condition, or an illness orindicative of an illness; 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.
17. Ransom means any monetary loss which is incurred in the provision anddelivery of cash, marketable goods, services or property to secure the releaseof You when Kidnapped.
18. Relative means Your Spouse, de-facto Spouse, parent or step-parent or
guardian, parent-in-law, daughter, son, daughter or son-in-law, brother orsister, provided such person(s) are under 76 years of age and is resident inYour Country of Origin.
19. Rental Vehicle means a vehicle, such as a sedan or station wagon, rented
from a licensed motor vehicle rental agency.
20. Serious Injury or Serious Sickness (in respect of a Relative or any otherperson on whose state of health the Travel depends) means a life threatening
medical condition which first manifested itself during Your Period of Insurance.
21. Sickness means any illness or disease (including symptoms thereof).
22. Spouse means Your husband or wife or the person with whom You havecontinuously cohabited during the 90 days immediately preceding the Period
of Insurance.
23. Technology Item means mobile phones including smart phones, digital
cameras, photographic, audio, video and electrical equipment (including cds,
dvds, video and audio tapes and electronic games), computers, tablets andaudio or media players.
24. Terrorist Act means any actual or threatened use of force or violence
directed at or causing damage, injury, harm or disruption, or committing ofan act dangerous to human life or property, against any individual, property
or government, with the stated or unstated objective 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) and victim(s) shall not be considered Terrorist Acts.
Terrorism shall also include any act which is verified or recognised by the(relevant) Government as an act of terrorism.
25. Total Disablement means disablement which continues for 12 consecutive
months and at that 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 throughrehabilitation and retraining reasonably qualified to perform by reason of
education, training or experience.
26. Travel/Travelling means for the purpose of this Policy:(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) specifically relating to money acquired for theTravel, 72 consecutive hours prior to the loss and following payment of
the premium to Us.
(c) In respect to all other sections from the time You depart Your Country
Of Origin for commencement of the Travel; 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.
27. Ultimate Net Loss means the final amount of Ransom cost less any
recoveries. If following Our payment part or all of the Ransom is recovered
You are required to reimburse Us the value of the amount so recovered.
28. Unforeseen means sudden, unexpected, and unintended.
29. War means war, whether declared or not, or any warlike activities, including
use of military force by any sovereign nation to achieve economic, geographic,
nationalistic, political, racial, religious or other ends.
30. We/Our/Us means QBE Insurance (International) Limited.

7. LAW
If Your country of destination is New Zealand then this Policy shall be governedby New Zealand law and any dispute or action in connection therewith shallbe conducted and determined in New Zealand.
If Your country of destination is Australia then this Policy shall be governedby the laws of the state of New South Wales and any dispute or action inconnection therewith shall be conducted and determined in New South
Wales.
8. PROOF OF LOSS AND PHYSICAL EXAMINATION
You or any other person covered by this Policy, must provide Us immediately
with full particulars of any claim made against You by any other person and alllegal documents served on You or any other person covered by this Policy.
We may at Our own expense conduct any medical examination or arrange
for an autopsy to be carried out.
9. RENEWALThis Policy may be renewed, with Our consent, by payment of the applicablerenewal premium. You are unable to renew Your Policy retrospectively so You
must advise Us if renewal is required before Your Policy completion date.
10. REQUIRED INFORMATION
All claims must be notified to Us as soon as practicable and all medical
certificates, accounts, receipts and information required by Us shall befurnished in such form and in such reasonable time as We require. Original
documents must be produced.
11. SUBROGATION
We have the right to commence or take over legal proceedings in Your name,for the defence or settlement of any claim, or to sue or prosecute any otherparty to recover any monies payable by them at law. You must co-operatewith Us and do nothing to hinder Our rights.
12. UNTRUE OR INCOMPLETE INFORMATION
You are covered under this Policy provided that the information You supply
relevant to Your application is both complete and factual. If any informationis untrue, incomplete, misleading or is not disclosed to Us, We do have theright to void this Policy and We are not obliged to pay Your claim.
DEFINITIONS In this Policy the following definitions apply:1. 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 a recognised professional body for that typeof Alternative Medical Treatment provider.
2. Country Of Origin is that country outside New Zealand and Australia in
which You have established permanent residency and is where Your Travelcommenced.
3. Eligible Person means persons who are entitled to access to the New
Zealand and/or Australian Public Health System due to Reciprocal Health
Agreements (RHCA’s) with their Country Of Origin and New Zealand and/orAustralia.
4. Family means You and/or Your Spouse and Your financially dependant
children and legal wards 18 years of age and under who remain in Your fullcustody and control during the trip. The benefit shown in the schedule ofbenefits is twice the individual amount shown and is shared by the Family.
5. Financial Default means insolvency, bankruptcy, provisional liquidation,liquidation, financial collapse, appointment of a receiver, manager oradministrator, entry into any official or unofficial scheme of arrangement,
statutory protection, restructuring or composition with creditors, or thehappening of anything of a similar nature under the laws of any jurisdiction.
6. Hazardous means a risk likely to cause Injury or Loss
7. Hospital means any institution lawfully operated for the care and treatmentof sick or injured persons with organised facilities for diagnosis and surgery
and having 24 hours a day nursing service and medical supervision; but does
not include any institution used primarily as a nursing or convalescent home,a place of rest, a geriatric care facility, a mental institution, a rehabilitation or
extended care facility or a place for the care or treatment of alcoholics or
drug addicts.
8. Injury means physical and bodily injury which happens to You as a result of
external violence during the Period of Insurance and which results solely anddirectly and independently of any other cause within 12 calendar months ofthe date of occurrence of such injury.
9. Kidnapping/Kidnapped means the seizing, detaining or carrying away of
You by force or fraud for the purpose of demanding Ransom.
10. Manual Work means skilled and unskilled manual work, other than that ofan academic nature.
11. Medical Expenses means reasonable expenses necessarily incurred by
You within 12 calendar months of sustaining Injury or sickness in respect of
medical advice or treatment by a Medical Practitioner, nurse, Hospital and/or
ambulance service for medical, surgical, x-ray, Hospital or nursing treatment,
including physiotherapy, the cost of medical supplies and ambulance hireprescribed by a Medical Practitioner. It includes Alternative Medical Treatment
if that treatment has followed referral by a Medical Practitioner.
12. Medical Practitioner means any person who is, or is deemed to be, registeredwith the Medical Council of New Zealand or Australia as a practitioner of theprofession of medicine and who holds a current practicing certificate.
231. You/Your means the Insured Persons as specified in the Certificate ofInsurance.

for Your continuing treatment, to a maximum of $20,000, always provided
any costs covered under this Section are incurred within 12 months fromthe date of your first valid claim relating to the injury, illness or disease.

*Words in the singular include the plural and vice versa.

SECTION 1B: ADDITIONAL EXPENSES
1. LOSS OF DEPOSITS
We will reimburse You the non-recoverable unused portion of Travel,
accommodation, educational fees or other deposits paid for in advance by
You following cancellation, alteration or incompletion of the Travel due to:(a) The Unforeseen death, Serious Injury or Serious Sickness of a Relative,
close business associate or Travelling companion, provided that thisperson is under 76 years of age.
(b) You suffering an Injury or Sickness during the Period of Insurance.
2. REPATRIATION AND CANCELLATION
We will reimburse You, or pay where We agree circumstances necessitate,
for the expenses reasonably and necessarily incurred in addition to thosealready budgeted for or likely to be incurred during the Travel but less any
refund on unused prepaid Travel and accommodation arrangements, as aresult of:(a) You having to return to Your Country Of Origin during the Period of Insurance
due to the Unforeseen death, Serious Injury or Serious Sickness of a
Relative, close business associate or Travelling companion, provided
that such a person is under 76 years of age.
(b) You suffering an Injury or Sickness during the Period of Insurance.
(c) any other Unforeseen circumstance not covered elsewhere in the Policy
which is outside Your control other than those circumstances describedin (a) & (b) above or specifically described elsewhere in the Policy.
3. EXPATRIATION
If You wish to resume Your original trip following a valid claim under item 2:(Repatriation and Cancellation) above, We will pay the reasonable additionalcosts of economy class air fares to return You to the same location andposition You were in prior to Your claim.
Provided:(a) Your Expatriation takes place within six months of the date of loss
recorded on Your claim for item 2 and,(b) at least 28 days of the original Period of Insurance was remaining whenthe event that necessitated Your return occurred.
(c) if Your expatriation is necessary for educational purposes such ascompleting examinations, lectures or research commitments or an
existing academic course, We may, at our sole discretion, waive the
28 days requirement of proviso 3(b).
4. ACCOMPANYING RELATIVES
If You are Hospitalised for a critical condition and medical circumstances dictate,
We will pay for the reasonable return air fare (economy class unless otherwise
agreed to by Us), transportation and accommodation charges incurred, forup to two of Your Relatives to attend You and/or escort You to Your Countryof Origin, or in the event of Your death to accompany Your remains back toYour Country of Origin. The maximum sum payable is $100,000.
5. Other Benefits and Expenses (Refer to Schedule of Benefits for Amounts
Payable). We will pay You:(a) IN HOSPITAL CASH
A cash benefit of $100 for every continuous 24 hour period You are
confined to Hospital as an in-patient due to Injury or Sickness.
(b) FUNERAL EXPENSES		
The reasonable cost of returning Your remains to Your Country of Origin
or the reasonable funeral and related costs if the body is buried or
cremated at the place of death in the event You die during the Period
of Insurance.
(c) FALSE ARREST EXPENSES		
The reasonable legal costs actually and necessarily incurred by You asa result of Your false arrest or wrongful detention, during the Period of
Insurance, by any legally recognised foreign Government.
(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.
(e) RENTAL VEHICLE RETURN
The reasonable costs incurred in returning Your Rental Vehicle to thenearest Rental Vehicle depot if You are unable to return it Yourself due
to Your Illness, Injury, or death, but only where You are liable for suchcosts under the hire agreement.
(f) TRAVEL DELAY		
If Your Travel arrangements are delayed for at least 6 consecutive hours
due to any Accidental and Unforeseen cause beyond Your control We
will pay for Your reasonable extra costs necessarily incurred due to thedelay, including the costs of meals, which are not recoverable from anyother source.

GENERAL EXCLUSIONS - APPLICABLE TO ALL SECTIONS
We will not pay under any Section of this Policy 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. (a) Pregnancy, childbirth, infertility, abortion or birth control if the pregnancy
existed at the time the Policy was issued.
(b) Pregnancy, childbirth, infertility, abortion or birth control if the pregnancy
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 of pregnancy.
(c) Infertility or birth control.
3. In respect to a child born during the Period of Insurance We will not pay forpost natal care or for any amount in excess of $100,000 under section 1A
for the treatment of condition(s) existing prior to or at birth.
4. Sexually transmitted disease or Acquired Immune Deficiency Syndrome (AIDS)
or Human Immunodeficiency Virus (HIV) infection.
5. 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 be held at the time and place where
the claim occurred), skydiving (unless under the supervision of a qualified
instructor), hang-gliding, ocean yachting (unless cover has been approvedby us), or deliberate exposure to exceptional danger, including Hazardous
pursuits.
6. Radioactive contamination or radioactivity in any form whatsoever whether
occurring naturally or otherwise.
7. War, civil war, invasion, insurrection, revolution, use of military power or
usurpation of government or military power.
8. Intentional use of military force to intercept, prevent, or mitigate any known
or suspected Terrorist Act.
9. Any Terrorist Act.
NOTE: Exclusions 8 and 9 do not apply to Sections 1A, 1B2(a), 1B2(b), 1B4,
1B5(a) and 1B5(b).
10. You Travelling against medical advice or when You are medically unfit to Travel.
11. Travel undertaken for the purpose of receiving 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.
12. Depression, stress, anxiety, mental or nervous disorder, suicide or attemptedsuicide or self-Injury.
13. Diving underwater using an artificial breathing apparatus unless You hold anopen water diving license or You were diving under licensed instruction.
14. Manual or hazardous Work unless We have agreed to their inclusion.
15. You being under the influence of alcohol and/or drugs.
16. You engaging in any activity associated with any criminal act.
17. Government intervention.
Nor will We provide cover or service for;18. Any loss, injury, damage or legal liability arising directly or indirectly from travelin, to or through Cuba.
19. Any loss, injury, damage or legal liability suffered or sustained directly or
indirectly by an insured person if that insured person is:(a) a terrorist;(b) a member of a terrorist organisation;(c) a narcotics trafficker; or(d) a purveyor of nuclear, chemical or biological weapons.
SECTION 1A: MEDICAL AND RELATED EXPENSES
1. MEDICAL EXPENSES:
We will reimburse You for all reasonable Medical Expenses incurred for thetreatment of an Injury or Sickness suffered during the Period of Insurance
including the costs associated with medical evacuation which has been
approved by Us.
Please note: The maximum amount We will pay under this section for
Alternative Medical Treatment is $500 for each 12 month period beginningon the commencement date shown on the Certificate of Insurance.
DENTAL:We will reimburse You for the cost of treatment for:(a) Injury (as defined) to teeth.
(b) The initial consultation for the relief of sudden and acute pain using
antibiotics, temporary dressings or extraction, however We will not pay
for elective treatment or Normal Maintenance.
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 maintenanceand/or hygiene.
2. CONTINUING TREATMENT
Following your permanent return to your Country of Origin, We will also pay

EXCLUSIONS APPLYING TO SECTIONS 1A AND 1B.
We will not pay for:1. Charges You incur if You fail to return to Your 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 so or after You fail to follow
3CONDITIONS
1. It is a condition of payment under this Section that all losses including damage
attributable to theft or vandalism be reported 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. Also any loss of credit cards,
Travellers cheques or Travel documents must be reported as soon as possible
to the issuing authority and the appropriate cancellation measures taken.
2. (a) You shall take all reasonable precautions for the packaging, safety andsupervision of any Technology Item(s),portable electronic property, personal
effects, Travel documents, money and credit cards.
(b) You must not leave any item(s) unlocked or unattended in a Public Placeor in any unlocked and unattended building or vehicle at any time, nor in a
vehicle overnight.
(c) You must secure Technology Item(s) and portable electronic property in alocked premise, safe or strongroom or out of sight in a locked vehicle andcarry such items as personal hand luggage.

Our advice or instruction.
2. Expenses relating to the continuation or maintenance of any course oftreatment You were receiving prior to the commencement of Insurance orreplenishment of prescribed medications being taken by You prior to Your
departure from Your Country of Origin, unless the prescribed medication was
lost or damaged.
3. Expenses arising from elective surgery or elective 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 dateon which the first Medical Expense is incurred or the expiry of the Policy
whichever occurs last.
5. Any Pre-existing Condition that has not been declared and noted on theCertificate of Insurance as an Insured Pre-existing Condition.
6. Disposable contact lenses.
7. Any claim arising from:(a) Cancellation, curtailment or diversion of scheduled public transport
services, including by reason of strikes or other industrial action, if there
had been warning in the news media or current notifications in the local
Government or New Zealand Government (MFAT) “Country Warning”
web sites, before the date the Travel was booked, that such eventswere likely to occur.
(b) Carrier caused delays where the costs are recoverable from the carrier.
(c) Any business or financial or contractual obligation or commitment of
You or of any other person on whom the Travel depends.
(d) Any change of plans or disinclination to Travel on Your part or of any
other person on whom the Travel depends.
(e) The inability of any tour operator or wholesaler to complete arrangements
for any tour due to a deficiency in the required 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 or tourism related services, facilities
or accommodation, to provide services, facilities or accommodation,
by reason of their own Financial Default or the Financial Default of any
person, company or organisation with whom or with which they deal.
8. More than one repatriation transit in relation to the same Relative, condition
or event.
9. The first $75.00 of any claim under this section of the policy.

EXCLUSIONS
We will not pay for:
1. Reinstatement, Replacement or Damage to any electronic data or software.
2. Scratching or breakage of fragile or brittle items.
3. Damage or loss arising from wear and tear, deterioration, atmospheric orclimatic conditions, mould or fungus, insects, rodents, vermin, or any processof cleaning, ironing, pressing, repairing, restoring or alteration.
4. Any item(s) shipped under a freight agreement, sent by a postal or courier
service, or purchased over the internet.
5. Losses due to depreciation or devaluation of currency.
6. Loss or damage arising from the confiscation or destruction by Customs or
any other authority.
7. Household furniture or household appliances being used by You for domestic
use and non portable Technology Item(s). or electronic equipment.
8. Damage to sporting equipment including surfboards, sailboards, boogie
boards and bicycles whilst in use.
9. Loss of data or any consequential loss.
10. The first $200 for any Technology Item(s) and the first $100 for any otherclaim under this section of the Policy.
11. More than $10,000 in total for any claim under this Section in respect of
insured items left in a vehicle.
SECTION 3: MISSED TRANSPORT CONNECTION
We will pay the cost of additional scheduled public transport services if due to an
Unforeseen circumstance occurring during the Period of Insurance and outside
Your control You miss a transport connection and are required to make alternative
arrangements to arrive at a special event such as school examination, start ofthe school year, conference or wedding which cannot be delayed because ofYour late arrival.

SECTION 2: LUGGAGE, PERSONAL EFFECTS, TRAVEL DOCUMENTS,
MONEY AND CREDIT CARDS
We will pay You should any of the events described below occur during the
Period of Insurance:
1. LOST OR DAMAGED PROPERTY
For accidental loss of or damage to Your accompanied luggage, personal
effects, Technology Items which You use during the Period of Insurance(including papers, specifications, manuscripts and stationery for their facevalue only).
2. DEPRIVATION OF LUGGAGE
For emergency replacement of essential luggage if Your luggage 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 and receipts 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 TRAVEL DOCUMENTS
For the non recoverable cost of replacing Travel documents, credit cards
and Travellers cheques accidentally lost or damaged.
4. UNAUTHORISED USE OF TRAVEL DOCUMENTS
For Your legal liability for payment arising out of the unauthorised use ofYour Travel documents, credit cards or Travellers cheques which are stolen
during the Period of Insurance by any person other than You, Your Relativeor Travelling companion, limited to $5,000.
5. MONEY
For accidental loss of cash, bank or currency notes, cheques, postal or moneyorders or other negotiable instruments taken with You. Maximum payable is$1,000.
Please note: In regard to Section 2.1, the maximum amount We will pay for any
one item, set or pair of items is $2,500 unless the item, set or pair of items is
specified on the Certificate of Insurance and the additional premium has been
paid. The limit for any specified item, set or pair of items is $5,000 with amaximum for all specified items of $30,000. In the event of a claim You must
be able to support Your claim with receipts or valuations.

EXCLUSIONS
We will not pay for:1. Any missed transport connection arising from any business or financial orcontractual obligation or commitment of You or of any other person on whom
the Travel depends.
2. 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 toa later time to coincide with Your late arrival.
4. Any change of plans or disinclination to Travel on Your part or of any otherperson on whom the Travel depends.
5. Claims arising from industrial disputes that You were aware of prior to thecommencement date.
6. The first $100 of any claim under this section of the Policy.
SECTION 4: DEATH OR DISABLEMENT BY INJURY
1. DESCRIPTION OF COVER
In the event of an Injury resulting in Your death or Total Disablement whilst
travelling during the Period of Insurance, or within 12 calendar months of the
Injury, we will pay the compensation listed under the Schedule of Benefits
Payable.
2. EXPOSURE
We will pay the compensation listed under the Schedule of Benefits Payable
if as a result of an Injury You are exposed to the elements and as the result ofthat exposure within 12 calendar months suffer death or Total Disablement.
3. DISAPPEARANCE
If Your body is not found within 12 calendar months after an accident involving
the conveyance in which You were Travelling, death will be presumed in theabsence of any evidence to the contrary.

BASIS OF SETTLEMENT UNDER THIS SECTION
For payment under this section We have the option, at Our sole discretion, to:(a) pay the replacement cost of the item(s) being claimed; or(b) choose to repair or replace the item(s) being claimed; or(c) pay the depreciated value of the items being claimed; or(d) pay You an amount that covers Your loss, being the lesser of Our reasonable
cost to replace the item with an item that is of equivalent age, general condition,
quality and capability or the cost of indemnifying you under a), b) or c) above.

CONDITIONS
1. After the occurrence of either of the events, all cover under this Section shallcease.
2. Benefits shall not be payable for more than one of the events.
3. Benefits payable to financially dependent children and/or legal wards 18
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EXCLUSIONS
We will not pay for any claim which directly or indirectly arises from or is caused by:
1. Any type of illness, disease, infection or contagion, even if contracted throughan Injury. This Exclusion shall not apply to medically acquired infections or
blood poisoning.

EXCLUSIONS
We will not pay:
1. If You have:(a) had kidnap insurance declined, cancelled or issued with special conditionsin the past;(b) suffered a Kidnapping or attempted Kidnapping in the past;(c) had an extortion demand made against You in the past.
2. For Kidnapping occurring in Mexico or in any country located in Central orSouth America or in any Nation State where the United Nation armed forces
are present.

SECTION 5: PERSONAL LIABILITY
We will pay all damages, compensation and legal expenses, up to the benefit
specified in the Schedule of Benefits Payable for which You become legally liable
during a Period of Insurance as a result of Your negligence during the Travel causing:
1. Bodily Injury (including death or illness) of another person.
2. Loss of or damage to property.

SECTION 7: RENTAL VEHICLE COLLISION DAMAGE AND THEFTEXCESS 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, during the Period of Insurance in respect ofloss or damage to a Rental Vehicle during the rental period.

CONDITIONS
It is a condition of payment under this Section that You do not admit fault or liability
to any other person without Our prior written consent.

CONDITIONS
1. The Rental Vehicle must be rented from a licensed rental agency.
2. As part of the hiring arrangement You must take up the Rental Organisation’scomprehensive motor insurance for the duration of the rental period.
3. You must comply with all of the requirements of the rental organisation under
the hire agreement and of the insurer under the insurance.

years of age and under Travelling under a Family Policy shall only be entitled
to claim under Event 1 (Death) to a maximum benefit of $10,000.
4. All Compensation is payable to You, Your estate or persons nominated byYou.

EXCLUSIONS
We will not pay damages, compensation or legal expenses in respect of any
liability directly or indirectly arising out of or in connection with:
1. Bodily Injury (including death or illness) to You or to any member of Your
Family ordinarily residing with You.
2. Bodily Injury (including death or illness) to any of Your employees arising outof or in the course of employment.
3. 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. Loss of or damage to property or bodily Injury (including death or illness),arising out of Your ownership, use or possession of any mechanically propelledvehicle, aircraft or water-borne craft.
5. Loss of or damage to property or bodily Injury (including death or illness)arising out 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 committed by You, or one of Your employees, or amember of Your touring party.
8. Judgements 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 occurred giving rise to Your liability.
9. Aggravated, exemplary or punitive damages.
We will not pay:
10. The first $100 of any claim under this section of the Policy.

EXCLUSIONS
We will not pay for:1. Loss or damage arising from the operation of the Rental Vehicle in violationof the terms of the rental or insurance agreement.
2. Wear and tear, gradual deterioration, damage from insects or vermin, inherent
vice or damage.
3. The first $100 of any claim under this section of the Policy.

CLAIMS AND EMERGENCY ASSISTANCE CONTACTS
Toll free in New Zealand: 0800 864 227 (0800 UNICARE)
Toll free in Australia: 1800 864 227 (1800 UNICARE)
Outside New Zealand and Australia: +64-4-381 8166 (collect)
Claims: claims@crombie.co.nz  Assistance: qbeassist@qbe.com
If an emergency arises or you require assistance,contact the Assistance Service immediately toensure that delays do not occur which might compromise their ability to act on Your behalf.
When you have completed a claim form, post it to the address shown on the form. Include Your
insurance policy number, receipts and other documentation necessary to support Your claim.

Uni-Care, Crombie Lockwood (NZ) Ltd
PO Box 68644 Newton Auckland 1145, New Zealand
Telephone: +64 9 362 4039
Website: www.uni-care.org  Email: insure@uni-care.org

SECTION 6: KIDNAP AND RANSOM
We will pay if You are Kidnapped:
1. The Ultimate Net Loss of Ransom paid by You, or Your representative, following
the Kidnapping of You during the Period of Insurance.
2. The reasonable expenses, actually and necessarily incurred following receipt ofa Ransom demand after the Kidnapping of You during the Period of Insurance,
for:(a) The fees and expenses of a security consultant retained as the result ofsuch a demand, provided We have given Our consent to the appointmentof the security consultant.
(b) interest paid on monies borrowed from a financial institution for the
purpose of paying Ransom. The amount We will pay will be for a term
not exceeding from 30 days prior to the payment of the Ransom until
the first business day after settlement from Us, on a principal sum notexceeding $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.

Insurer financial strength rating
QBE Insurance (International) Ltd (New Zealand Branch) has been given an “A+” Insurer Financial
Strength Rating by Standard & Poor’s (Australia) Pty Ltd
AAA (Extremely Strong) BBB (Good)

CCC (Very Weak)

SD (Selective Default)

AA (Very Strong)

BB (Marginal)

CC (Extremely Weak)

D (Default)

A (Strong)

B (Weak)NR (Not Rated)

R (Regulatory Action)

Plus(+) or Minus (-): The ratings from “AA” to “CCC” may be modified by the addition of a plus orminus sign to show relative standing within major rating categories.
Credit ratings issued by Standard & Poor’s Ratings Services are solely statements of opinion andnot statements of fact or recommendations to purchase or discontinue any policy or contract or
to buy, hold or sell any security issued by QBE Insurance (International) Limited or make any otherinvestement decisions. Credit ratings may be changed, withdrawn or suspended at any time.
Latest ratings can be found at www.standardpoors.com
QBE Insurance (International) Limited (“QBE”) has a policy of holding actual capital in excess ofregulatory capital requirements. In the event that QBE is wound up, the claims of New Zealandpolicy holders will be paid out of the assets of QBE in New Zealand, and possibly other countries,
except for Australia. Australian Law requires that on a winding up of QBE the assets of the company
in Australia are to be used to pay its liabilities in Australia before paying liabilities outside Australia.

CONDITIONS It is a condition of payment under this Section that:
1. You must keep this insurance cover confidential.
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 have been Kidnapped, it will be necessaryto:(a) determine whether You have been Kidnapped;(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 other identifying 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
for any payment We have made under this Section.

1 APRIL 2014

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INBOUNDPDAUS 6.3