Some words in your policy that have special
meanings are defined here.
top
"Arises" or "Arising" means directly or
indirectly arising or in any way connected with.
"Permanent resident" or "Australian citizen"
means people who are currently residing or intend to reside within Australia.
"Dependant" means your children or grandchildren not in full
time employment who are under the age of 21 and travelling with you on the
journey.
"Duo Plan" covers you and your travelling companion listed as
covered on your Certificate of Insurance and intending to travel with you on
your journey. Duo Cover does not provide cover for dependant children. We issue
one Certificate of Insurance. You are both covered as if you are each insured
under separate policies with single cover benefits per insured person.
"Epidemic" means a sudden development and rapid spreading of a
contagious disease in a region where it developed in a simply endemic state or
within a previously unscathed community.
"Excess" means the amount which you must first pay for each
claim arising from the one event before a claim can be made under your Policy.
"Family Plan" covers you and the members of your family who go
with you on your journey listed as covered on your Certificate of Insurance.
The only members of your family who can be included are your spouse, your
legally recognised de facto, your children and your grandchildren. However, all
children and grandchildren must be Dependant and under 21. The limits on your
Cover for Family Plans apply to the total of all claims combined made by you
and/or members of your family under the Policy, whether the claim is in respect
of you or any member of your family covered under the Family Plan.
"Home" means the place where you normally live in Australia.
"Hospital" means an established hospital registered under any
legislation that applies to it, that provides in-patient medical care.
"Injure" or "Injured" or "Injury"
means bodily injury caused solely and directly by violent, accidental, visible
and external means, which happens at a definite time and place during your
Period of Cover and does not result from any illness, sickness or disease.
"Journey" means the time from when you leave your home to go
directly to the place you depart from on your travels, and ends when you return
to your home.
"Locked Storage Compartment" means a boot, trunk, glove box,
enclosed centre console, or concealed cargo area of a sedan, station wagon,
hatchback, van or motorhome.
"Luggage and Personal Effects" means any personal items owned
by you and that you take with you, or buy, on your journey and which are
designed to be worn or carried about with you. This includes items of clothing,
personal jewellery, photographic and video equipment or personal computers, or
electrical devices or portable equipment. However, it does not mean any
business samples or items that you intend to trade.
"Medical Adviser" means a qualified Doctor of Medicine or
Dentist registered in the place where you received the services.
"Normally Earn" means:
-
If you are an employee, your average weekly base rate after tax over the 12
months before your journey began.
-
If you are not an employee, your average weekly income from personal exertion
after deducting income and all tax deductible expenses over the twelve months
before your journey. However, if you haven’t been working continuously for that
period, it means the average for the time you were working continuously.
"Open Water Sailing" means sailing more than 10 nautical miles
off any land mass.
"Pandemic" means a form of an Epidemic that extends throughout
an entire continent, even the entire human race.
"Pre-existing Medical Condition" is:
A Pre-existing Medical Condition ("PE Condition") means:
- An ongoing medical or dental condition of which you are
aware, or related complication you have, or the symptoms of which you are
aware; OR
- A medical or dental condition that is currently being, or
has been investigated, or treated by a health professional (including dentist
or chiropractor); OR
- Any condition for which you take prescribed medicine; OR
- Any condition for which you had surgery; OR
- Pregnancy.
PLEASE NOTE: THIS DEFINITION APPLIES TO YOU, YOUR TRAVELLING COMPANION OR
ANY RELATIVE.
"Public Place" means any place that the public has access to,
including but not limited to hotels, hotel foyers and grounds, restaurants, air
or bus terminals, stations, taxis, wharves, private carparks and beaches.
"Reasonable" means, for medical or dental expenses, the
standard level of care given in the country you are in or, for other expenses,
the standard level you have booked for the rest of your journey or, as
determined by us.
"Relative" means any of the following who are under the age of
86 years and who are resident in Australia: fiancé, fiancée, spouse, legally
recognised de facto, parent, parent-in-law, son, daughter, daughter-in-law,
son-in-law, stepson, stepdaughter, sister, sister-in-law, brother,
brother-in-law, grandchild, grandparent, step-parent or guardian.
"Sick" or "Sickness" means a medical
condition, not being an injury, which first occurs during your Period of Cover.
"Single Plan" covers you and your dependant
children/grandchildren under 21 travelling with you listed as covered on your
Certificate of Insurance.
"Travelling Companion" means a person with whom you have made
arrangements to travel with you for at least 75% of your journey before you
entered into your Policy.
"Unsupervised" means:
-
leaving your luggage with a person you have not previously met.
-
leaving it in a position where it can be taken without your knowledge.
-
leaving it at such a distance from you that you are unable to prevent it being
taken.
"We", "Our" and "Us" means
the insurer of your Policy, Allianz Australia Insurance Limited, through its
agent ETI Australia Pty Ltd.
"You" and "Your" means the person whose name
is set out on your Certificate of Insurance and everyone else who is covered
under your Policy.