NEW ZEALAND
STUDENT PLAN
Travel and Medical Insurance Policy Wording.
Covers international students studying
in New Zealand.

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INBOUNDPDNZSTU 6.9

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 60 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 (and 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 thisPolicy in respect of a claim, or may cancel this Policy retrospectively.

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INBOUNDPDNZSTU 6.9

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 NZ$ in the Certificate of Insurance.

Cover
SECTION 1: Medical and Related Expenses (Including Evacuation,
Repatriation, and Cancellation)
Sub-limits
Alternative Medical Treatment
Optical Cover*
Treatment of Mental Illness and Counselling
Sexual Health Consultation
Medical Expenses for temporary return to Country of Origin
Continuing Treatment in Country of Origin
Loss of Deposits
Repatriation due to Mental Illness, Suicide & Drugs/Alcohol
Resumption of Travel
Accompanying Relatives (includes cover for Pregnancy, Suicide andDrugs/Alcohol)
In Hospital Personal Cash
Funeral Expenses
False Arrest
Hijack Cash
Rental Vehicle Return
Travel Delay
Search and Rescue
Denial of boarding due to suspicion of contracting Covid-19
SECTION 2: LUGGAGE AND PERSONAL EFFECTS
Sub-limits
Deprivation of Luggage
Replacement Travel Documents
Unauthorised use of Travel Documents
Money lost or stolen
Fire Damage
Maximum Individual Item Value (unless specified and additional premium paid)
SECTION 3: MISSED TRANSPORT CONNECTIONSECTION 4: DEATH OR DISABLEMENT BY INJURY
Death for under 16 years of age
SECTION 5: PERSONAL LIABILITYSECTION 6: KIDNAP AND RANSOMSECTION 7: RENTAL VEHICLE EXCESS

Maximum over 12 months
Unlimited

$500
$300
$20,000$250$200,000$20,000$100,000$10,000$30,000$100,000$10,000 ($100 per day)
$100,000$10,000$10,000 ($100 per day)
$1,000$10,000$10,000$1,400 ($200 per day)
$15,000$1,000$3,000$5,000$1,000$12,000$2,500$25,000$50,000$10,000$2,500,000$250,000$5,000*only applicable to policies issued for 6 months or longer

For family policies, the maximum limits available are two times the limit shown in this table (unlesssomething else is provided in the remainder of this Policy or Your Certificate of Insurance) and thelimits are shared between all family members on a Policy.

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INBOUNDPDNZSTU 6.9

YOUR POLICYThis Policy is designed to provide cover for
non-New Zealand residents aged 60 years or
under, who study, and temporarily reside in
New Zealand.
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 NZ$ (in the Certificate ofInsurance) 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 365day period. However, Your cover under thisPolicy always ends in accordance with the
Period of Insurance for Your selected Policy.
Sub-limits apply to some Sections.

GENERAL CONDITIONSAPPLICABLE TO ALL SECTIONSUNLESS SPECIFIED OTHERWISE
1. AUTOMATIC EXTENSIONS(a) We will automatically extend the Period of
Insurance for up to 3 consecutive months
from the Policy End Date if Your return toYour Country 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 this Policy.
(b) You are covered up to 9 days, each way,in transit between Your Country of Origin
and New Zealand during the Period of
Insurance.
(c) Providing You return home (to YourCountry of Origin) on a temporary basis(i.e. You intend to return to New Zealand),for a period not exceeding 3 months,(unless an extension has been requested
and agreed to by Us), You are covered in
respect of sections 1A(1), Medical
Expenses and 1B(1), Loss of Deposits.
The maximum benefit in respect of 1A(1)Medical Expenses for this Automatic
Extension is $200,000. There is no coverunder 1A(1)a-d in Your Country of
Origin.

(d) You are covered for a maximum of 31days for temporary visits to Australia, Bali,
Lombok and the Pacific Islands andreturn to New Zealand 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 on Your
Certificate of Insurance and the Policy
Start Date, or;(b) 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
have not claimed or commenced
travel, We will retain 30% of thepremium for administration purposes
and for the period during which Lossof 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 wasentered into, made a misrepresentation to
Us during the negotiations for the contract
but before it was entered into.
(d) You fail to comply with a provision of thecontract, including a provision with respect
to payment of the premium.

(e) You make a fraudulent claim under thecontract or under some other contract of
insurance (whether with Us or with someother insurer) that provides insurance
cover during any part of the period during
which the first-mentioned contract
provides cover.

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:••under any other insurance policy,
health or medical scheme or Act ofParliament.
under any free health care ortreatment is readily available in New
Zealand or under any reciprocal healthagreement between the Governmentof New Zealand and the Governmentof any other country or is payable byany other source or a health insurance
policy obtained as a condition of Your
entry visa into New Zealand.

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.

Zealand telephone: +64 4 381 8166
(collect).
(iv) Post: nib nz limited, P.O. Box 91630
Victoria Street West, Auckland, New
Zealand1142.
(v) When You have completed aclaim form, return it to the address
shown above, making sure You
provide the Policy number, supporting
reports and documentation: such aspolice reports, doctor’s reports,
transport provider’s reports, receipts,
valuations or proof of ownership.
(vi) As soon as possible after suffering
Injury or Sickness obtain and follow
proper medical advice from a Medical
Practitioner.
(vii) Lodge a written claim against any
person, party, hotel or transport
provider who may be legally liable forloss arising from Your Injury or
Sickness.
(viii)
Contact the claims department
for prior approval of any claim
requiring surgery, or any claim where
the costs are expected to exceed$1,000.

4. DUTIES AND RESPONSIBILITIES(b) You must not admit liability in respect ofany loss to other people.

(a) Upon the happening of an event
potentially covered under this Policy, You
must immediately:

5. CURRENCY(i) Do as much as You can to prevent
any 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 are to be Hospitalised,evacuated or repatriated or have lost
all of Your Luggage and Personal
Effects or money.
(iii) Direct all claims communications to:
Email: claims@uni-care.org
Telephone: in New Zealand telephone
toll free 0800 864 227 (0800
UNICARE) or if You are outside New

All amounts stated in the Policy including the
Schedule of Benefits are in New Zealanddollars. For reimbursement and payments into
an international/overseas bank account a fee
will be applied. No fee is applied to New
Zealand Bank Accounts.

6. LAW
This 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
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INBOUNDPDNZSTU 6.9

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.

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.

8. RENEWAL
12. GOVERNMENT CHARGES
This 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
Expiry Date.

All premium costs include GST and NZ
Government Fire Service and other
Government fees (if applicable) that You arelegally required to pay.

13. CLAIMS EXCESSWhen 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 for the purpose of study.
Should You refuse to follow the advice of Our
Medical Practitioner We will no longer pay forany ongoing related medical costs in New
Zealand from the date of recommendation forrepatriation.

An 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: Section 2 (Luggage and Personal
Effects) where there is an Excess of $200 for
Technology Items and $100 for other claims
under section 2; and Section 5 (Personal
liability) where there is an Excess of $100.

DEFINITIONS

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 in suchreasonable time as We require. Original
documents must be produced.

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.

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.

WHAT SHOULD I DO IF I HAVE A MEDICALEMERGENCY?
If you experience a medical emergency in New
Zealand call 111 or visit the nearest medical
facility. If you have been admitted to hospitalplease call our 24/7 emergency assistance teamon +64-4-381 8166 as soon as possible
HOW DO I SUBMIT A CLAIM?
To submit a claim please complete your claim
form in English and send this to claims@unicare.org. Please include any supporting
documents including medical reports, receipts orpolice reports.
Claims forms are available in multiple languages
but it is important that you complete them inEnglish. Please provide the required supporting
documents when submitting a claim. Please
ensure these are in English. Translation costs (ifapplicable) are not claimable and at your own
expenseHOW CAN I CHANGE OR UPDATE MY
POLICY? Please contact the Uni-Care policy
administration team on either: +64 9 362 4039 or
via email insure@uni-care.org

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INBOUNDPDNZSTU 6.9

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.
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.
Change in Vision means an ophthalmologist,
optometrist, or optician diagnoses changes inYour vision requiring new glasses or contactlenses.
Country of Origin is that country outside New
Zealand in which You have establishedpermanent residency and/or is where Your
Travel commenced.
Cyber attack means the actual or attempted
unauthorised, malicious or criminal act
involving accessing, processing or use of or
operation of any computer (software or
hardware), that causes partial or total
unavailability or failure or damage of any
computer network or system or data.
Eligible Person means persons who areentitled to access to the New Zealand Public
Health System due to Reciprocal Health
Agreements with their Country of Origin and
New Zealand.
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.
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
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INBOUNDPDNZSTU 6.9

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 as apractitioner of the profession of medicine andwho holds a current practicing certificate. This
does not extend to cover family councillors orsocial workers.
Negligence means Your failure to exercise
the care that a reasonable person would
exercise in the same circumstance.
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 physical conditions or
circumstances:(a) which You are aware of, or ought to havebeen aware of; or(b) for which advice, care, treatment,
medication or medical attention has beensought by You, which have been
diagnosed as a medical condition, or a
Sickness or indicative of a Sickness; or(c) which are of such a nature to require, or
which potentially may require medical
attention; or(d) which are of such a nature as would havecaused a prudent, reasonable person toseek medical attention prior to thecommencement 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 or sonin-law, brother or sister, provided such
person(s) are under 76 years of age and isresident in Your Country of Origin.
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.
Sexual Health Consultation means a
consultation arranged through a Medical
Practitioner for the purpose of diagnosing
Sexually Transmitted Infections (STIs),
Sexually Transmitted Diseases (STDs) or
Venereal Diseases (VD).
Sexually Transmitted Infections (STIs),
Sexually Transmitted Diseases (STDs) or
Venereal Diseases (VD) means diseases thatare passed on from one person to anotherthrough any sexual contact.
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, wireless
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INBOUNDPDNZSTU 6.9

headphones, wired headphones, electricscooters and drones.

recovered, You are required to reimburse Us
the value of the amount so recovered.

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) shall not be considered Terrorist Acts.
Terrorism shall also include any act that isverified or recognised by the (relevant)Government as an act of terrorism.

Unattended means any of the following(a) leaving Your Luggage and Personal
Effects with a person who is not covered
under Your Policy or who is not a Relative(b) leaving it in any position where it can betaken without Your knowledge or(c) leaving it 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 away from it.

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.

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

Travel means:(a) Travel undertaken by You during the

Period of Insurance to study, travel andtemporarily reside in New Zealand.

GENERAL EXCLUSIONSAPPLICABLE TO ALL SECTIONSUNLESS OTHERWISE SPECIFIED(b) In respect of Section 2(5) specificallyrelating to money acquired for theTravel,72 consecutive hours prior to theloss and following payment of the premium
to Us.

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 or abortion 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.

(c) In respect to all other sections from thetime You depart Your Country of Origin
for commencement of Your travel; andcontinues 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 is

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INBOUNDPDNZSTU 6.9

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.

Travel) unless agreed to by Us prior to thedeparture date for the Travel.
16. Depression, stress, anxiety, mental or

nervous disorder, suicide or attemptedsuicide or self-Injury.
17. Diving underwater using an artificial

6.

7.

Sexually transmitted disease or Acquired
Immune Deficiency Syndrome (AIDS) or
Human Immunodeficiency Virus (HIV)infection except as provided under Section
1A1(d) (Medical Expenses: Sexual Health
Consultation).
Any cost relating to medical treatment forhair loss.

breathing apparatus unless You hold anopen water diving license or You were
diving under licensed instruction.
18. Manual Work or Hazardous work (except

of an academic nature) unless We haveagreed to their inclusion.
19. You being under the influence of alcohol

and/or drugs.
8.

Any cost relating to a Relative’s Preexisting Medical Condition.

20. You engaging in any activity associatedwith any criminal act.
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 or less(a motorcycle licence must also be held at
the time and place where the claim
occurred), skydiving (unless under thesupervision of a qualified instructor), hanggliding, ocean yachting (unless cover has
been approved by Us), or deliberate
exposure to exceptional danger, including
Hazardous pursuits. See page 21 for thefull list of accepted activities.

21. Government intervention at a national orregional level, or by reference togeographical area(s), population levels,
communities or cluster levels, including
but not limited to: border closures,
mandatory testing, voluntary isolation,
mandatory isolation/quarantine, and public
lockdowns
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).

10. Radioactive contamination or radioactivity

in any form whatsoever whether occurring
naturally or otherwise.

23. Any loss, injury, damage or legal liability

suffered or sustained directly or indirectly
by You if You are:

11. War.
12. Intentional use of military force tointercept, prevent, or mitigate any known
or suspected Terrorist Act.

(a). a terrorist;(b). a member of a terrorist organisation;(c). a narcotics trafficker; or(d). a purveyor of nuclear, chemical or
biological weapons.

13. Any Terrorist Act.
24. Sexual Health Consultation expenses that

Note: Exclusions 12 and 13 do not apply
to Sections 1A, 1B2(a), 1B2(b), 1B4,
1B5(a) and1B5(b).
14. You Travelling against medical advice orare:(a). Routine smear tests;(b). Contraception or condoms;(c). Any diagnostic or treatment outside of
New Zealand.

when You are medically unfit to Travel.
25. Incurred for tests, vaccinations or health
15. Travel undertaken for the purpose ofreceiving medical treatment (whether or
not this was the sole purpose for such

screening for immigration/visa
requirements.

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INBOUNDPDNZSTU 6.9

26. Incurred costs for screenings orinvestigations where no signs or
symptoms are present (with exception of
Sexual Health Benefit 1A1d).
27. Reinstatement, replacement, loss ordamage to any electronic data or software
including any consequential loss.
28. The medical treatment costs of injuriescaused by accidents in New Zealand thatare covered by the New Zealand Accident
Compensation Commission (ACC).
29. Your disinclination to Travel.
30. Travelling against local or New Zealand

Government advice or Travelling against
Our advice.
31. A likely or actual epidemic/pandemic

declared by a government or WHO(who.int).
32. Any losses you incur of your journey is

being changed or cancelled as a result ofcyber attack.

SECTION 1A:
MEDICAL AND RELATEDEXPENSES
1. MEDICAL EXPENSES
We will reimburse You for Medical Expenses
incurred for the treatment of an Injury or
Sickness suffered during the Period of
Insurance including the costs associated withmedical evacuation which has been approved
by Us.
However, this reimbursement is subject to thelimitations contained in subsections (a) to (e)below:(a). DENTAL
We will reimburse You for the cost oftreatment for:(i). Injury to teeth suffered during the Period
of Insurance, and(ii). 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 lossof dental bridges, restoration work, caps,
crowns, precious metal costs or pins andfittings, periodontal, titanium implants orany dental work resulting from lack ofregular dental maintenance and/or
hygiene.

(b). OPTICAL
Provided Your Policy has a Period of
Insurance of 180 days or more We will
reimburse You up to a maximum of $300 overthe 12 month period beginning on the Policy
Start Date but subject overall to Your Period
of Insurance for a visit to an optometrist
including the cost of spectacle frames,prescription lenses and contact lenses if:(i). Your optical aids are lost, stolen ordamaged; or(ii). You require lenses as a result of a
Change in Vision; or(iii). You require optical aids for the firsttime in Your life,
during the Period of Insurance(c). MENTAL ILLNESS:
Subject to a limit of $20,000, We will reimburse
You for all Medical Expenses incurred for thetreatment of depression, stress, anxiety,mental or nervous disorder, suicide or
attempted suicide or self-injury.
Note: General Exclusion 16 does not apply to1A 1(c).

(d). SEXUAL HEALTH CONSULTATION
Provided Your Policy has a Period of
Insurance of 180 days or more We will pay thecosts incurred, to a maximum of $250, for one
Sexual Health Consultation, required
diagnostics and subsequently requiredprescription costs whilst in New Zealand.

(e). ALTERNATIVE MEDICALTREATMENT
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.

2. CONTINUING TREATMENT
11
INBOUNDPDNZSTU 6.9

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
12months from the date of Your first covered
claim relating to the Injury or Sickness.

3. COVID-19 EXTENSION TO SECTION
1A
Section 1A is extended to include cover if You
suffer the Sickness of Covid-19.
To this extent only, General Exclusions 21 and
31 do not apply to this extension.
SUPPORTING DOCUMENTS REQUIRED FOR YOUR
CLAIM:-

Medical report(s) confirming your diagnosis
If you are admitted to hospital yourdischarge report
Any receipts

In some cases, we may request additional
documents, such as a medical report confirming
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. or• other deposits
paid for in advance by You, if Your Travel iscancelled, altered or not completed due to:(a). The Unforeseen death, Serious
Injury or Serious Sickness of a
Relative, close business associate or
Travelling companion, provided that
this person is under 76 years of age.
(b). You suffering an Injury or Sickness
during the Period of Insurance.

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
To this extent only, General Exclusions 21 and
31 do not apply to this extension.

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, and• isolation/quarantine expenses.
12

INBOUNDPDNZSTU 6.9

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 accommodationand meal expenses up to $200 per 24-hours,
up to a maximum of $1400.
To this extent only, General Exclusions 21 and
31 do not apply to this extension.
Note:
General exclusions 16 & 19 do not apply to 1B
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.

incurred, for up to two of Your Relatives toattend You and/or escort You to YourCountry of Origin, or in the event of Your
death to accompany Your remains back toYour 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,
If You are aged 16 years or under at the timeof a medical event arising, You are
hospitalised and it is deemed medicallynecessary by Your attending Medical
Practitioner and where We have agreed prior
to the costs being incurred We will pay thereasonable return air fare (economy classunless otherwise agreed to by Us),
transportation and accommodation charges
incurred for one parent or legal guardian ofYours to attend You. The maximum sum
payable is $2,500.

COVID-19 EXTENSION TO THISBENEFIT

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 additionalcosts of economy class air fares to return You
to the same location and position You were inprior to Your claim.
Provided:
1. Your resumption of travel takes place
within six months of the date of theclaims event recorded on Your claim
for clause 2 and,2. at least 28 days of the original Period
of Insurance were remaining whenthe event that necessitated Your
return occurred.
3. 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).

4. ACCOMPANYING RELATIVES
If You are Hospitalised for a Serious
Sickness or Serious Injury and medical
circumstances dictate, We will pay for thereasonable return airfare (economy classunless otherwise agreed to by Us),
transportation and accommodation charges

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
31 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 Policy.

5. OTHER BENEFITS AND EXPENSES
Refer to the Schedule of Benefits Payable in
NZ$ contained in the Certificate 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 inpatient 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.
13

INBOUNDPDNZSTU 6.9

To this extent only, General Exclusions 21 and
31 do not apply to this extension.

only where You are liable for such costs under
the hire agreement.
This benefit limit is $1,000.

(b). FUNERAL EXPENSES(f). TRAVEL DELAY
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.

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 not recoverablefrom any other source.

COVID-19 EXTENSION TO THIS BENEFIT

This benefit limit is $10,000.

Section 1B 5(b) is extended to include cover if
You suffer the Sickness of Covid-19.

(g). SEARCH AND RESCUE

To this extent only, General Exclusions 21 and
31 do not apply to this extension.
Note: General Exclusions 2, 3, 4, 16 and 19 do
not apply to 1B 5(b)We strongly recommend You seek preapproval for claims over $1,000 prior toincurring expenses to understand what iscovered under your Policy.

(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.

If You go missing in New Zealand, PacificIslands, Australia, Bali, Lombok or overseas
while in transit (but not in Your Country of
Origin), as a direct result of natural disaster orwhile undertaking an outdoor recreational
activity during the Period of Insurance, We
will contribute up to$10,000 towards the costof a private search for You, actually andnecessarily incurred on Your behalf, provided
that:(i). The search is approved by therelevant local authorities;(ii). The search begins within 72 hours of
the local official notification that You
are missing; and You have notignored any official advice given to
You to stay out of the area.

This benefit limit is $10,000.
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
Insurance.
This 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

Supporting documents required for your 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 depend on your individual
circumstances.
EXCLUSIONS APPLYING TO SECTIONS 1A AND
1B

We will not pay for:14
INBOUNDPDNZSTU 6.9

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
Insurance.
3.

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.

5. Any Pre-existing Condition that has notbeen declared to Us and noted on theCertificate of Insurance as a Preexisting Condition except as detailed
under Sections 1A 1(c) Mental Health, 1B(2) Repatriation and Additional
Expense,1B 4 Accompanying Relatives
and 1B 5(b) Funeral Expenses.
6. Disposable contact lenses.
7. Any claim arising from:(a). Cancellation, curtailment or diversionof scheduled public transport services,
including by reason of strikes or otherindustrial action, if there had been
warning in the news media or current
notifications in the local Government“Country Warning” web sites, before
the date the Travel was booked, thatsuch events were likely to occur.
(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.
8. More than one repatriation transit inrelation to the same Relative, condition or
event.

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 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
15

INBOUNDPDNZSTU 6.9

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 a
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.

5. MONEY
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.

6. FIRE DAMAGE
In the event of any loss caused by or arisingfrom fire, the maximum amount payable forany claim during the Period of Insurance is$12,000.

a) 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.
b) The limit for any specified item, set or pairof items is $5,000 with a maximum for all
specified items of $30,000.
c) In the event of a claim, You must be able
to support Your claim with receipts orvaluations.

BASIS OF SETTLEMENT UNDER THISSECTION
1. For payment under this section We have theoption, at Our sole discretion, to:(a). pay the replacement cost of theitem(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 Yourloss, being the lesser of Our
reasonable cost to replace the itemwith an item that is of equivalent age,general condition, quality andcapability or the cost of indemnifying
you under (a), (b) or (c) above.
2. Where We elect to pay the depreciatedvalue under this section, depreciation isapplied to an 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%

Please note however that sublimits apply:
Cash, bank or currency notes, cheques, postal
or money orders or other negotiable
instruments destroyed in a fire are limited to$1000.
Note:
In regard to Section 2 1:

All other non Technology Items less than 2
years old are paid at Present Day Value.
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
16

INBOUNDPDNZSTU 6.9

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 also
be reported as soon as possible to theissuing authority 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, unless in a locked
compartment that is not visible from theoutside of the vehicle (for example boot or
cubbyhole), nor in a vehicle overnight.
4. 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) andportable electronic property in a locked
premise, safe or strongroom or out of sightin a locked vehicle and carry such items
as personal hand luggage.
Supporting documents required for yourclaim:-

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 climaticconditions, 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.
4. Losses due to depreciation or devaluationof currency.
5. Loss or damage arising from theconfiscation or destruction by Customs or
any other authority.
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.

SECTION 3: MISSED
TRANSPORT CONNECTION
We will pay the cost of additional reasonable
scheduled public transport services andaccommodation if due to an Unforeseen
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, or
start of the school year which cannot bedelayed because of Your late arrival.

CONDITIONS APPLYING TO SECTION 3
1. You must ensure that all reasonable effort
has been made to avoid additional
expenses.
2. You must remain in Your original booking
class/cabin (We will not accept any cabin
upgrades).
17

INBOUNDPDNZSTU 6.9

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.

EXCLUSIONS APPLYING TO SECTION 3SUPPORTING DOCUMENTS REQUIRED FOR
YOUR CLAIM:-

Airline ticket or pre-paid travel
expenses confirmation
Receipts for additional reasonable
scheduled public transport
Evidence of reason for missedtransport connection

In some cases, we may request additional
documents. This will depend on your individual
circumstances.
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.
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 to a latertime to coincide with Your late arrival.

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$ stated in theCertificate of Insurance.

2. EXPOSURE
We will pay the compensation listed under the
Schedule of Benefits Payable in NZ$ in theCertificate of Insurance if as a result of an
Injury You are exposed to the elements andas 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 4

1. 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 who are Travellingunder a Family Policy, a maximum benefitof $10,000 will apply.
4. All Compensation is payable to You, Yourestate or persons nominated by You.
Supporting documents required for your claim:-

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.

SECTION 4: DEATH OR
DISABLEMENT BY INJURY-

Medical notes confirming total
disablement or death certificate OR
Evidence supporting yourdisappearance

In some cases, we may request additional
documents. This will depend on your individual
circumstances.

EXCLUSIONS APPLYING TO SECTION 4
We will not pay for any claim which directly or
indirectly arises from or is caused by:

1. DESCRIPTION OF COVER
1. Any type of illness, disease, infection
In the event of an Injury resulting in Your
death or Total Disablement whilst Travellingor contagion, even if contracted
through an Injury. This Exclusion shall
18

INBOUNDPDNZSTU 6.9

not apply to medically acquired
infections or blood poisoning.

SECTION 5: PERSONAL
LIABILITY
We will pay all damages, compensation andlegal expenses, up to the amount specified in
the Schedule of Benefits Payable in NZ$ forwhich You become legally liable (inclusive ofnecessary and reasonable defence costs) as aresult of Your Negligence during the Travel
causing:
1. Bodily Injury (including death or illness) of
another person.
2. Physical loss of or damage to property ofothersmember of Your Family ordinarily residing
with You.
4. Loss of or damage to property that is inYour custody or control (unless it isaccidental loss of or damage to property
owned by Your education provider,landlord or homestay, in which case We
will pay up to a maximum amountof$500,000).
5. 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.
6. 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.

CONDITIONS APPLYING TO SECTION 5

7. Any contract unless such liability would
have arisen in the absence of that
contract.

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.

8. Loss or damage or bodily Injury (including
death or illness) arising from a criminal or
illegal act.

during the Period of Insurance.

Supporting documents required for 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 your individual
circumstances.

9. Judgments which are not in the first
instance either delivered by or obtained
from a court of competent jurisdiction
within New Zealand or the country inwhich the accident occurred giving rise toYour liability.
10. Aggravated, exemplary or punitive
damages.
We will not pay the Excess of $100.

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:
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 out of or in
the course of employment.

SECTION 6: KIDNAP AND
RANSOM
We will pay if You are Kidnapped:
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:3. Physical loss of or damage to property
owned by or in the control of You or any
19
INBOUNDPDNZSTU 6.9

(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 a Ransom. The amount We
will pay will be for a term notexceeding 30 days prior to thepayment of the Ransom until the firstbusiness day after settlement from Us,
on a principal sum not exceeding$250,000, and for a rate of interest notexceeding 2% above thecontemporary overdraft interest ratechanged by the ANZ Banking Group(New Zealand) Limited.
(c). Any other expenses which are
incurred for the purpose ofinvestigating, negotiating, or paying aRansom demand or recovering You.

CONDITIONS APPLYING TO SECTION 6
It is a condition of payment under this Sectionthat:
1. You must keep this insurance coverconfidential.
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;(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;

Supporting documents required for your claim:-

Police or Security report

In some cases, we may request additional
documents. This will depend on yourindividual circumstances.

EXCLUSIONS APPLYING TO SECTION 6
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.

SECTION 7: RENTAL
VEHICLE COLLISIONDAMAGE 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 in NZ$, in
respect of loss or damage during the Period
of Insurance to a Rental Vehicle during therental period.

CONDITIONS APPLYING TO SECTION 7(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.

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.

20
INBOUNDPDNZSTU 6.9

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.
5.

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.

SUPPORTING DOCUMENTS REQUIRED FOR
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.

21
INBOUNDPDNZSTU 6.9

APPROVED LIST OF ACTIVITIES:
Abseiling: If You are participating in an EOTC programme then cover is provided, otherwise coverexcluded.
Black Water Rafting: Providing You are under the supervision of and acting in accordance with the
instructions of a licensed commercial operator and on a grade 4 or lower river.
Bungy Jumping: Providing under the supervision and in accordance with the instructions of alicensed commercial operator and open to general public.
Diving: Providing You hold an open water diving license or were diving under licensed instruction.
Flying Fox: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator.
Giant Canyon Swing: Providing under the supervision and in accordance with the instructions of alicensed commercial operator.
Glacier Hike: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator and the activity does not require the use of ropes or climbing equipment. If it
requires ropes or climbing equipment it gets classed as rock climbing and is excluded from cover.
Glacier Helicopter trip & Hike: Providing under the supervision and in accordance with the
instructions of a licensed commercial operator.
Horse Riding: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator. Helmets are to be worn if they are available.
Helicopter/Airplane Scenic Flights & Other Air related activities: Cover applies for passengers inany properly licensed passenger carrying aircraft.
Indoor Rock Climbing: Providing under qualified adult supervision of the education provider onsite in
the educator’s own facility or providing under the supervision and in accordance with the instructionsof a licensed commercial operator in an indoor facility open to the general public.
Jet Boat Ride: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator.
Luge: Rotorua & Queenstown only – providing following instructions of operators.
Orienteering: This is deemed to be racing on foot so is not excluded by the policy.
Paragliding – Tandem: Providing the instructor is Your tandem, they are always in control of theflight, and they are operating as a licensed commercial operator open to the general public.
Polo (on Horse Back): Students learning to play Polo with Christchurch Polo Club are covered fortraining under supervision only, no competition playing.
Sailing: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator and is not ocean yachting.
Scuba Diving: Providing insured holds an open water diving license or is under the instruction of alicensed instructor.
Sea Kayaking: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator. No remote locations.
Skiing/Snowboarding: Providing it is carried out at a recognised and supervised ski field and on
skis/snowboards within the defined skiing safe areas. Skiing outside the patrolled ski field boundary ishazardous and not covered.

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INBOUNDPDNZSTU 6.9

Sky Diving: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator open to general public.
Slacklining: If the students are attending a college or institution with a slackline permanently set up
over a grassed or barked or padded area, then we would provide cover. In other circumstances, cover
will only be provided if slacklining is with a licensed commercial operator except we will we not coverslacklining at height (greater than 1.5m) or slacklining over concrete. No cover will be provided if
slacklining is on privately owned equipment.
Surfing: Providing insured is an experienced surfer at a standard coastal location, such as Wellington
Harbour, Auckland beaches and the like. No cover for extreme locations which are known to be
hazardous in terms of surf and tides.
Swimming with dolphins: Providing under the supervision and in accordance with the instructions ofa licensed commercial operator.
Swoop Swing: Providing under the guidance of a licensed commercial operator and open to thegeneral public.
Whale Watch Boat Trip: Providing under the supervision and in accordance with the instructions of alicensed commercial operator.
White Water Rafting: Levels 1 - 4 are covered providing under the supervision and in accordancewith the instructions of a licensed commercial operator. Levels 5+ are considered hazardous andexcluded.
Windsurfing: Providing insured is an experienced windsurfer at a standard coastal location, such as
Wellington Harbour, Auckland beaches and the like. There is no cover for extreme locations which are
known to be hazardous in terms of surf and tides.
Off Road Vehicles: Cover applies for a few hours a day and day trip but is not extended to multiple
consecutive days out in the bush.
Ziplining: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator.
Zorbing: Providing under the supervision and in accordance with the instructions of a licensed
commercial operator.

COVER IS EXCLUDED FOR THE FOLLOWING ACTIVITIES UNLESS PRIOR APPROVALIS GIVEN:
▪
▪
▪
▪
▪
▪

Aerobatic Flight
Canyoning
Hang-gliding
Kitesurfing
Quad Bike Riding of any sort
Paragliding (other than as describedabove)▪
▪
▪
▪
▪

Parapanting
ParasailingRiver Surfing
River Boarding
Skatesurfing

EDUCATION OUTSIDE THE CLASSROOM (EOTC)
All activities that form part of the EOTC approved curriculum are automatically covered under the
Policy, even if cover may be generally excluded. This does not apply to generally excluded activities
that the student may participate in outside of the approved curriculum. For example, outdoor rockclimbing is included when part of the EOTC approved curriculum but not included if You choose torock climb on the weekends, holidays or as part of a school activity that falls outside of the EOTC
curriculum.
If students are going away on a school trip or participating in school activities that are generally
excluded we ask that the school notify us of the activity as soon as possible so that special
consideration may be given – we may be able to cover these.
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INBOUNDPDNZSTU 6.9

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@uni-care.org
Assistance: assist@nibtravel.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 policy
number, receipts and other documentation necessary to support Your claim.
nib nz limited
P.O. Box 91630 Victoria Street West,
Auckland, New Zealand1142,
Website: www.uni-care.org
Email: insure@uni-care.org

Financial strength
nib nz limited has an A- (Strong) Financial Strength Rating from S&P Global Ratings Australia Pty Ltd________________________________________
Standard & Poor's rating scale
AAA Extremely Strong
AA Very Strong
A Strong
BBB Good
BB Marginal
B Weak
CCC Very Weak
CC Extremely Weak
SD or D Selective Default or Default
R Regulatory Action
NR Not Rated
Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show
relative standing within the major rating categories.
For more information, visit www.spratings.com/understanding-ratings

24
INBOUNDPDNZSTU 6.9

uni-care.org
insure@uni-care.org

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INBOUNDPDNZSTU 6.9