Business Travel Insurance

Policy Wording

Effective 1 April 2025

AZ.MS.BUS.1.0425
CONTENTS
Important Matters 3
Schedule of Benefits 5
Definitions 7
Pre-existing Medical Conditions 8
General Conditions 8
General Exclusions 8
Section 1 9
Cancellation and Travel Disruption Benefits
Section 2 10
Medical Benefits
Section 3 11
Personal Accident and Loss of Income
Section 4 12
Baggage, Personal Effects and Money Benefits
Section 5 13
Personal Liability
Section 6 13
Other Benefits
Contact Information and Emergency Phone Number 15

AZ.MS.BUS.1.0425
IMPORTANT MATTERS
All claims must be notified as soon as possible and in any event no later than
30 days after the completion of the Journey. If You do not contact Us this may
affect the acceptance or payment of Your claim.
This document contains important information about Our business travel We provide Our customers with easy access to Our 24 hour emergency
insurance specially tailored to today’s business traveller. The benefits provide assistance service. A single call will put You directly in touch with a doctor or
cover for a multitude of possible unexpected events with the major concerns of travel specialist who will be able to assist You and confirm cover available
medical expenses, travel curtailment and loss of deposits met without a limit. under Your policy. You will be advised of any steps You will need to follow in
successfully claiming under Your policy.
This policy is issued and managed by AWP Services New Zealand Limited
trading as Allianz Partners, Level 3, 1 Byron Avenue, Takapuna, Auckland You can call collect from anywhere in the world for emergency medical and
0622 and underwritten by Mitsui Sumitomo Insurance Company, Limited travel assistance:
(NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan),
Reverse charge call through telephone operator: +64 9 486 6868
(“MSI”), Level 8, 139 Quay Street, Auckland Central, Auckland, 1010,
New Zealand (referred to as “Us”, “We” or “Our”). If Your Personal Baggage, effects or Personal Money are stolen, You must
notify the local police or local government authority within 24 hours and
What We will pay You must obtain a copy of their incident report. Any loss or damage to
In consideration of the payment of the premium, We agree to indemnify You in Personal Baggage whilst in the custody of the carriers (e.g. an airline or bus
the manner and to the extent set out in this document. company) must be notified to them immediately and a property irregularity
report obtained.
This document, the Certificate of Insurance, application form and any
written confirmation issued by Us extending or limiting cover form Your You must provide Us with all reports, receipts, doctor’s certificates, information
insurance contract. and proof We reasonably require to help substantiate any claim.

We will pay claims up to the policy’s Maximum Benefit amounts shown in the Pre-existing medical conditions
Schedule of Benefits, depending on whether You have elected to purchase the
Platinum or Gold plan. Your Certificate of Insurance details the type of cover It is important to understand that Pre-existing medical conditions may not be
You have purchased. The policy limits apply per Insured Person and are stated covered under Your policy. Certain Pre-existing medical conditions are covered
in New Zealand Dollars. automatically within certain criteria for travellers who are insured under the
Business Policy.
Please read this Policy Wording carefully and note the exclusions in each
section along with the General Conditions and General Exclusions ensure that Cover for conditions outside of those detailed in the Pre-existing medical
You understand the cover provided by Us. conditions section may be available following a medical assessment.

If You need any clarification on Your cover or the Policy Wording please contact Correctness of Statements and Fraud
either Your issuing agent, or Our Customer Care Team on Toll Free 0800 800 048.
If any claim under this policy is in any respect fraudulent, or if any false
Business and leisure travel declaration is made or false or incorrect information is used in support of any
claim, then We can, at Our sole discretion, not pay Your claim and cancel Your
The policy You have selected is designed primarily for business and leisure cover under this policy from the date that the incorrect statement or fraudulent
travel where the main intention of the trip is for business purposes. claim was made to Us.
Cover for Journeys up to 30 days is provided for leisure only travel by Insured
Persons working for the business (and their Close Relatives who have paid the Your Duty of Disclosure
premium required) providing the trip is declared on the annual declaration of When You apply for insurance or alter this policy, You have a duty at law, to
Journeys and disclosed and agreed by Us prior to travel occurring. disclose to Us all material facts. A material fact is one that may influence a
If You need any clarification on Your cover or this Policy Wording please contact prudent insurer in deciding whether or not to accept the cover and, if so, on
either Your issuing agent, or Our Customer Care Team on Toll Free 0800 800 048. what terms and conditions and for what premium.
Examples of information You may need to disclose include:
Insured
• anything that increases the risk of an insurance claim;
The insured(s) under this policy is the person or persons named on the
Certificate of Insurance. In this document, the insured is also referred to as “You” • 
any criminal conviction subject to the Criminal Records (Clean Slate) Act 2004;
or “Your”. • if another insurer has cancelled or refused to insure or renew insurance, has
imposed special terms, or refused any claim;
Dependent Children travelling with an Insured Person (refer to DEFINTIONS)
are covered at no additional charge. Their policy benefits will be shared within • any insurance claim or loss made or suffered in the past.
the travelling Insured Person’s policy limits. These examples are a guide only. If there is any doubt as to whether any particular
piece of information needs to be disclosed, this should be referred to Us.
Period of insurance
If You fail to comply with Your Duty of Disclosure it may result in:
Your policy commences once a Certificate of Insurance has been issued to You
and the required premium is paid. The period of insurance continues until the • 
this policy being avoided retrospectively with the effect that the policy never
expiry date shown on Your Certificate of Insurance or until You return to Your existed;
normal place of residence, whichever is the earlier date.
• this policy being cancelled;
For frequent flyer, or multi-user plans Your policy is activated at the
• the amount We pay if you make a claim being reduced; or
commencement of each Journey undertaken in the period of insurance.
• Us refusing to pay a claim.
If You have purchased a frequent flyer plan then each Journey is covered up to
a maximum of 90 days. Change of circumstances
For the multi-user plan the period of insurance is provided annually for the During the period of insurance, You must tell Us immediately of any material
number of days of travel purchased and paid for under this policy. change in the circumstances surrounding the subject matter of this insurance that:

Excess • increases the risk We are insuring, or

An excess, as stated in Your Certificate of Insurance, will be deducted from Our • alters the nature of the risk We are insuring.
settlement if You make a claim (unless a higher excess has been imposed on Once You have told Us, We may immediately change the terms of this policy or
Your cover by Us and confirmed to You in writing). This excess applies under this cancel it. If You fail to tell Us, We may apply these changes retrospectively from
policy to each separate event giving rise to a claim. the date You ought to have reasonably told Us.
There will be no excess charged if You have purchased and paid the additional
premium for a No Excess policy. This will be shown on Your Certificate of Insurance. Cancelling this policy
We may cancel this policy in the following circumstances only, by giving You 14 days
Important claims information prior notice by email sent to Your last known email address supplied to Us:
If during Your Journey You are to be hospitalised, require evacuation or a) If You fail to comply with Your duty of utmost good faith;
repatriation services, need to make alternative travel or accommodation b) If You fail to comply with a provision of this policy, including a provision
arrangements or have lost Your Personal Baggage or Personal Money, please relating to the payment of the premium;
notify Us as soon as possible.
c) If You make a fraudulent claim under this policy.

AZ.MS.BUS.1.0425 3
Cooling-off period Fair Insurance Code
If You are not completely satisfied with the extent of cover provided by this Mitsui Sumitomo Insurance Company, Limited is a member of the Insurance
policy You may cancel this policy within 14 days after You are issued with Your Council of New Zealand and adheres to the Fair Insurance Code, which
Certificate of Insurance. You will be given a full refund of the premium You have provides You with assurance that We have high standards of service to Our
paid, provided You have not started Your Journey and You do not wish to make customers. A copy of the Fair Insurance Code is available from the Insurance
a claim or exercise any other right under the policy. Council of New Zealand website: www.icnz.org.nz/fair-insurance-code.

Automatic extensions of cover Dispute Resolution Process

Your cover will be extended at no additional charge for up to 3 months if Your If You have a complaint or dispute in relation to this insurance, or the services of
return to Your normal place of residence in Your Country of Origin has been Allianz Partners or its representatives, please call Allianz Partners on 0800 800 048
delayed because of one or more of the following: or put the complaint in writing and send it to The Dispute Resolution Department,
PO Box 33 313, Takapuna, Auckland 0740, New Zealand , or email Your complaint
• a bus line, airline, shipping line or rail authority You are travelling on, or that to DisputeResolution@allianz-assistance.co.nz.
has accepted Your fare or Your Personal Baggage is delayed; or
We will attempt to resolve the matter in accordance with Our Internal Dispute
• the delay is due to an event that is covered under this policy. If the event Resolution procedure. To obtain a copy of this please contact Us.
causing the delay is not covered under this policy, please refer to the
We are registered by law with an independent, external dispute resolution scheme.
“Extending your cover in other circumstances” section of the Policy
To obtain a copy of Our External Dispute Resolution process, please contact Us.
Wording as You may be eligible to extend Your original period of cover.
If Your complaint or dispute is not satisfactorily resolved, We will provide You with
The cover provided under 3b. Accidental Death or Permanent Disablement information on Our external dispute resolution provider.
or 3c. Accidental Death or Permanent Disablement as a Result of an
Act of Terrorism will not automatically extend for any period more than 12 Privacy Notice
consecutive months from the start date shown on Your Certificate of Insurance,
in any circumstances. To arrange and manage your insurance and provide you with our services,
we (in this Privacy Notice section “we”, “our” and “us” means Allianz Partners,
The cover will end when You return home or if after assessment of Your claim, and our agents) collect, store, use and disclose your personal information
the reasonable medical advice is that You are medically fit to return to New including sensitive information. We will usually collect it directly from you but
Zealand, the cover will end on the date that Allianz Partners would have been may also collect it from others (including those authorised by you such as your
able to reasonably facilitate Your return to New Zealand. family members, travelling companions, your doctors, hospitals, and other
persons whom we consider necessary including our agents). We are the “data
Extending your cover in other circumstances controller” and are responsible for ensuring your personal information is used
If You are already travelling and would like to be insured for longer than Your and protected in accordance with applicable laws and regulations. Personal
original period of cover, You will need to apply for cover prior to the expiry of information we collect includes, for example, your name, address, date of
Your original policy. birth, phone number, email address, medical information, passport details,
bank account details, as well as other information we collect when you visit our
To apply, please contact Us on the number shown on the back cover of this
website such as your IP address and online preferences, where that information
Policy Wording to determine Your eligibility.
is necessary for us to provide insurance and our services to you. Any personal
Please note this may be subject to certain underwriting requirements. If information we collect is used by us and our agents to evaluate and arrange
accepted, additional premium will apply. your insurance. We also use it to administer and provide the insurance services
and manage your and our rights and obligations in relation to the insurance
If We accept Your application, We will issue You with a new policy which will
services, including managing, processing, investigating claims and screening
not be an extension of Your original policy. A new period of cover will apply and
to comply with economic sanctions obligations. We may also collect, use and
You will be issued with a new Certificate of Insurance.
disclose it for product development, marketing (where permitted by law or with
The period of cover on Your new Certificate of Insurance cannot exceed 12 your consent), customer data analytics, research, IT systems maintenance and
months from the start date shown on Your new Certificate of Insurance. development, recovery against third parties, fraud investigations and for other
A new policy cannot be provided if You are already travelling and if Your purposes with your consent or where authorised or required by law. We do not
original policy is: use sensitive information for marketing purposes or provide that information to
any third parties for marketing.
• a Frequent Flyer plan
You authorise us to disclose your personal information to recipients including
third parties (some of whom are data processors) in New Zealand and overseas
Important: Cover under Your new policy will not be provided: involved in the above processes, such as travel consultants, travel insurance
• for any Pre-existing Medical Condition covered under Your original policy providers and intermediaries, agents, distributors, reinsurers, claims handlers
unless You make a further application for cover and Allianz Partners agrees and investigators, cost containment providers, medical and health service
to provide cover for Your Pre-existing Medical Condition; providers, overseas data storage (including “cloud storage”) and data handling
providers, transportation providers, legal and other professional advisers,
• for any new medical condition You suffered during the term of Your original
your agents, broker and travelling companions, your travel group leader if
policy that now meets the definition of Pre-existing Medical Condition
you travel in a group, your employer if you have a corporate travel policy, your
for Your new policy unless you apply for cover for Your Pre-existing Medical
bank if you have bank credit card insurance, the Insurance Claims Register and
Conditions at the time You apply for Your new policy; or
our related and group companies and Mitsui Sumitomo Insurance Company,
• for any Pre-existing Medical Condition which was automatically covered Limited. Some of these third parties may be located in other countries including
under Your original policy but where there have been changes or new in Australia, Europe, United Kingdom and Ireland, Asia, Canada or the USA. We
events relating to that condition, unless You make an application for cover will use reasonable endeavours to ensure people we disclose your personal
and Allianz Partners agrees to provide cover for Your Pre-existing Medical information to outside New Zealand are required to protect it in a way that
Condition; provides comparable safeguards to those set out under New Zealand privacy
• for losses related to any circumstances that have given (or may give) rise to law, such as via contractual data protection obligations, our group binding
a claim under Your original policy. corporate rules or because they are subject to laws of another country with
comparable protections. However, you acknowledge that sometimes overseas
Jurisdiction and Choice of Law recipients of your personal information may not be required to protect it in a
way that provides comparable safeguards to those provided under the New
This policy is governed by and construed in accordance with the laws of
Zealand privacy law.
New Zealand and You agree to submit to the exclusive jurisdiction of the courts
of New Zealand. You agree that it is Your intention that this Jurisdiction and Where permitted by law or with your consent, we may contact you with offers
Choice of Law clause applies. of products or services (from us, our related companies, as well as offers from
our business partners) that we consider may be relevant and of interest to
Limitation of cover you (including insurance products). This could be via telephone, post, email,
Notwithstanding anything contained in this policy wording We will not provide electronic messages online or via other means such as SMS. You can withdraw
cover nor will We make any payment or provide any service or benefit to any your consent at any time if you no longer wish to receive marketing material or
person or party where providing such cover, payment, service or benefit would promotional offers from us or our related companies and business partners by
expose Us to or violate any applicable trade or economic sanction or any law calling our Customer Care Team on 0800 800 048.
or regulation.
The collection of information is required pursuant to the common law duty to
disclose all material facts relevant to the insurance sought and is mandatory.

AZ.MS.BUS.1.0425 4
If you do not agree with the matters set out in our Privacy Notice or will not If you have a request or complaint concerning your personal information or
provide us with personal information, we may not be able to provide you with about our Privacy Notice, please contact: Privacy Officer Allianz Partners,
our services or products, process your application, issue you with a policy or P.O. Box 33 313, Takapuna, Auckland 0740 or email us at
process your claims. We will not retain your personal data for longer than is AzPNZ.Privacy@allianz-assistance.co.nz. For urgent assistance please call
necessary for the purposes for which it may be lawfully used. our Customer Care Team on 0800 800 048. You can also contact the Privacy
Commissioner at the Office of the Privacy Commissioner, P.O. Box 10 094, The
You can: (1) seek access to your personal data and ask about its origin, Terrace, Wellington 6143 if you have a complaint.
the purposes of the processing, and details of the data controller or data
processor and the parties to whom it may be disclosed; (2) correct and update For more information about our corporate privacy policy and handling of
your personal information (subject to the provisions of applicable privacy personal information, including further details about access, correction and
legislation), and (3) ask for a copy of your personal data in an electronic format complaints, please visit our website at www.allianzpartners.co.nz and click on
for yourself or for someone you nominate. You may in some circumstances the Privacy Policy link.
restrict the processing of your personal data, and request that it be deleted.
Where your personal information is used or processed with your specific
Privacy Act and the Insurance Claims Register (ICR)
consent as the sole basis for processing (rather than on a contractual basis or The ICR is a database of insurance claims to which participant insurers
legitimate interest), you may withdraw your consent at any time. have access. The purpose of the ICR is to prevent insurance fraud. The ICR is
operated by Insurance Claims Register (ICR), PO Box 474, Wellington.
In cases where we cannot comply with your request concerning your personal
This policy is issued to You on the condition that You authorise Us to place
information, we will give you reasons why. You may not access or correct
details of any claims made against this policy on the database of ICR, where
personal information of others unless you have been authorised by their
they will be retained and be available for other insurance companies to inspect.
express consent or are otherwise permitted by law. When you provide personal
You also authorise Us to obtain from ICR personal information about You that
information to us about other individuals, we rely on you to have first obtained
is (in Our view) relevant to this policy or any claim made against it. You have
each of those individuals’ consent, and have made them aware of the matters
certain rights of access to and correction of this information, subject to the
set out in this Privacy Notice.
provisions of applicable privacy legislation.

SCHEDULE OF BENEFITS
The Schedule of Benefits sets out a summary only of the cover that is provided under each plan and the most We will pay in total for all
claims under each section.
IMPORTANT - PLEASE NOTE:
ALL COSTS AND EXPENSES MUST BE REASONABLE. WHERE USED, `UNLIMITED’ ONLY MEANS THAT THERE IS NO CAPPED DOLLAR SUM INSURED.
TERMS, CONDITIONS, SUB-LIMITS AND EXCLUSIONS APPLY AS SET OUT IN THE POLICY WORDING. BENEFITS ARE PER INSURED PERSON AND THE
BENEFITS LIMITS ARE SHARED FOR DEPENDENT CHILDREN.

SECTION 1: CANCELLATION / TRAVEL DISRUPTION BENEFITS Maximum Benefits

Plan Option Platinum Gold

1a. Loss of Deposits
*
Unlimited Unlimited
1b. Cancellation of Journey Paid in Full Unlimited Unlimited
1c. Curtailment Unlimited Unlimited
1d. Missed Connection Unlimited $10,000
1e. Travel Delay Unlimited $10,000
1f. Frequent Flyer Points $10,000 $5,000
1g. Costs of Resumption of Travel/Alternative Staff $20,000 $10,000
1h. Strikes and Hijacks $10,000 $10,000
1i. Additional Expenses - as a Result of Terrorism Covered within above limits $3,000

SECTION 2: MEDICAL BENEFITS Maximum Benefits

Plan Option Platinum Gold

2a.* Overseas Medical Expenses Unlimited Unlimited
2b. Overseas Medical - as a Result of Terrorism Unlimited $250,000
2c. Emergency Dental Expenses
- As a Result of an Injury $3,000 $2,000
- Pain Relief not Accident Related $3,000 $1,000
2d. Incidental Hospital Expenses
*
$5,000 $4,000
2e. Accompanying Person $15,000 $15,000
2f. Search and Rescue – Natural Disaster $20,000 $20,000

SECTION 3: PERSONAL ACCIDENT AND LOSS OF INCOME Maximum Benefits

Plan Option Platinum Gold

3a. Accidental Death or Permanent Disablement $50,000 $50,000
3b. Accidental Death or Permanent Disablement - as a Result of Terrorism $50,000 $25,000
3c. Travel Accident - Resulting in Death $100,000 $100,000
3d. Loss of Income $15,000 $10,000
3e. Funeral Expenses $25,000 $20,000

AZ.MS.BUS.1.0425 5
 SECTION 4: BAGGAGE, PERSONAL EFFECTS AND MONEY BENEFITS Maximum Benefits

Plan Option Platinum Gold

4a. Personal Baggage – Total Limit $40,000 $30,000
4b. General Item Limit $3,000 $2,000
4c. Electronic Equipment Item Limit $5,000 $3,000
4d. Trade Samples & Tools $20,000 $5,000
4e.* Emergency Baggage $2,500 $1,500
4f. Travel Documents $3,000 $3,000
4g. Personal Money $2,000 $1,000
4h. Additional Expenses as a Result of Terrorism Covered within above limits $3,000

SECTION 5: PERSONAL LIABILITY Maximum Benefits

Plan Option Platinum Gold

5a. Rental Vehicle Excess $6,000 $6,000
5b. Personal Liability $2,500,000 $2,500,000
5c. Defence Costs – Including Wrongful Arrest $500,000 $500,000

SECTION 6: OTHER BENEFITS Maximum Benefits

Plan Option Platinum Gold

6a. Kidnap and Ransom $250,000 No cover
6b. Political Evacuation $10,000 No cover

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

AZ.MS.BUS.1.0425 6
DEFINITIONS
b)  any medical condition for which You, or the person due to whom You
are claiming have had or received a medical examination, consultation,
treatment, investigation and/or medication in the 12 months prior to the
When the words below are used in this insurance policy they shall have the date Your policy is issued.
meanings detailed below.
Professional Sport
Act of Terrorism Means training for, coaching or competing in any sporting event where You are
Means an act, including but not limited to the use of force or violence and/or entitled to receive, or are eligible to receive, an appearance fee, wage, salary or
the threat thereof, of any person or group(s) of persons, whether acting alone or prize money in excess of NZ$1,000.
on behalf of or in connection with any organisation(s) or government(s), which
from its nature or context is done for, or in connection with, political, religious, Public Place
ideological, ethnic or similar purposes or reasons, including the intention to Means any area to which the public has access (whether authorised or not)
influence any government and/or to put the public, or any section of the public, including but not limited to hotel foyers and grounds, restaurants, public toilets,
in fear. Terrorism also includes any act that is verified or recognised by the local beaches, airports, railway stations, bus terminals, taxi stands and wharves.
government as an Act of Terrorism.
Public Transport
Close Relative Means an aircraft, vehicle, train, tram, vessel or other scheduled transport
Means Your spouse, de facto partner, civil union partner, fiancé(e), parent, operated under a license for the purpose of transporting passengers. However,
parent-in-law, step parent, child, step child, foster child, son and daughter-in- it does not mean a taxi, limousine or similar service.
law, sibling, brother and sister-in-law, half or step brother or sister, grandparent,
or grandchild. Reasonable
Means:
Country of Origin a)  For medical, hospital, dental or funeral expenses, the standard level of care
Means the country in which You principally resided prior to applying for cover. given in the country You are in provided it does not exceed the level You
would normally receive in New Zealand; and
Dependent Children b)  For all other covered expenses, a level comparable to the same nature and
Means Your children or grandchildren aged under 21, accompanying You on class as booked for the rest of Your Journey;
the Journey, who are not in full-time employment.
in each case as determined by Us.

Epidemic Registered Medical Practitioner

Means the sudden development and rapid spreading of a contagious disease in
Means a qualified doctor or dentist, other than You, a Travellling Companion,
a region where it developed in an endemic state or within a previously unscathed
someone You work with, or a Close Relative, holding the necessary certification
community.
in the country in which they are currently practising.
Injury
Travelling Companion
Means an external or internal bodily injury caused solely and directly by violent,
Means a person with whom You have made arrangements before Your policy
accidental, external and visible means.
was issued, to travel with You for at least 75% of Your Journey.
Journey
Unattended
Means from when You leave Your normal place of residence in Your Country
Means leaving Your Personal Baggage and effects:
of Origin until You return to Your normal place of residence in Your Country of
Origin, or for one way travellers the expiry date as shown on Your Certificate i. with a person who is not named on Your Certificate of Insurance or who
of Insurance. If You have paid a frequent flyer plan premium the number of is not a Travelling Companion or who is not a Close Relative; or
journeys per annum is unlimited but each journey is limited to a maximum of ii. with a person who is named on Your Certificate of Insurance or who is a
90 days. Travelling Companion or who is a Close Relative but who fails to keep
Your Personal Baggage and effects under close supervision; or
Mental Illness
iii. where they can be taken without Your knowledge; or
Means any illness, condition or disorder listed in the current edition of the
iv. at such a distance from You or outside of Your line of sight that You are
Diagnostic and Statistical Manual of Mental Disorders.
unable to prevent them from being taken.
Pandemic We, Us, Our
Means a form of an Epidemic that extends throughout an entire continent.
Means Mitsui Sumitomo Insurance Company, Limited acting through AWP Services
Permanent Disablement New Zealand Limited trading as Allianz Partners.

Means an Injury which within 12 months of the occurrence results in paraplegia, You, Your or Insured Person
quadriplegia, tetraplegia, the loss of one or more limbs, loss of sight in one or
Means the person or business named on the Certificate of Insurance or any
both eyes, loss of hearing or speech.
person travelling on behalf of, or with the authority of, the named business who
Personal Baggage has paid the premium required.

Means Your suitcases, trunks and similar containers including their contents
and articles worn or carried by You. It does not mean or include any business
samples or items that You intend to trade, passport or travel documents, cash,
bank notes, currency notes, cheques, negotiable instruments, electronic data,
software, intangible assets, watercraft of any type (other than surfboards),
furniture, furnishings, household appliances, mechanically propelled vehicles,
unmanned vehicles, hired items or any other item listed as excluded on Your
Certificate of Insurance.

Personal Money
Means cash, bank or currency notes, cheques, postal or money orders,
current postage stamps, traveller’s cheques, coupons or vouchers that have a
monetary value, admission tickets, travel tickets and pre-paid passes (eg for ski
lifts) taken with You on Your Journey.

Pre-existing medical condition

Means:
a) any physical defect, infirmity, existing or recurring illness, Injury, disability or
Mental Illness of which You, or the person due to whom You are claiming,
are aware of; or

AZ.MS.BUS.1.0425 7
PRE-EXISTING MEDICAL GENERAL
CONDITIONS CONDITIONS
– applying to all sections
Important information concerning pre-existing medical
conditions 1. You must contact Allianz Partners if during Your Journey, You are to be
There is limited cover for Pre-existing medical conditions under this policy. hospitalised, require evacuation or repatriation services, need to make
alternative travel/accommodation arrangements or have lost all of Your
Some Pre-existing medical conditions are covered automatically. Cover for
Personal Baggage or Personal Money.
conditions which are not automatically covered may be available following
application to and acceptance by Our Customer Care Medical Assessments 2. You must take all reasonable precautions to protect the property insured by
Team. this policy and to prevent any claim arising.
Our Customer Care Medical Assessments Team can be contacted on 3. You must tell Us everything that may be material to Our decision to issue or
0800 800 048. alter this policy.
Please refer to the definition of Pre-existing medical conditions in the 4. We may at Our own expense take proceedings in Your name to recover
DEFINITIONS section. compensation, damages or otherwise from any third party for loss or
damage covered under this policy. Any amount recovered will belong to Us.
(i) Pre-existing medical conditions that are not covered: 5. This policy will not provide cover for any loss or expense covered under
Some medical conditions are not covered under this policy. These include but any other insurance policy, compensation scheme or legislation. You must
are not limited to any medical condition: first seek settlement of Your cost under that policy or scheme. We will then
• for which surgery is planned or for which You are on a waiting list; only consider payment of any difference between the amount settled and
the payment You would have been entitled to under this insurance. (This
• arising directly or indirectly from any signs or symptoms for which You have
condition does not apply to claims under Sections 3a. & 3b. Accidental
not sought a medical opinion, or received a diagnosis, or for which You are
Death or Permanent Disablement or 3c. Travel Accident – Resulting in
under medical care or are awaiting investigations.
Death.)
Please refer to General Exclusions if:
6. You must provide Us with all receipts, certificates, information and proof
• You are travelling against the advice of a Registered Medical Practitioner; We reasonably require to help substantiate Your claim. This will include a
• You are travelling with the intention to obtain medical treatment. doctor’s certificate or letter if Your trip was curtailed or cancelled due to
illness or Injury and You must provide at Your own expense any medical
(ii) Pre-existing medical conditions that are not certificate or report that We may require to consider any claim further. A
automatically covered medical report and blood test will also need to be provided if You have
You are not automatically covered in respect of a medical condition if the been drugged involuntarily.
condition relates to: 7. You must not make any offer, promise or payment regarding admission or
• Your heart (excluding hypertension); liability for any loss.
• Your brain; 8. No claim shall be payable where any person entitled to indemnity under
this policy breaches any policy terms and conditions.
• a transplanted organ (including stem cell transplants);
9. Where this policy is in joint names, then this policy is a joint policy. This
• renal failure;
means that if one Insured Person does or fails to do anything so that there
• thinning of the bones (osteoporosis); is no cover there will be no cover for any Insured Person, not just the Insured
• a lung condition (excluding asthma), due to which You are permanently Person responsible for the act or omission that caused there to be no cover.
limited by shortness of breath or diagnosed as cystic fibrosis; 10. You must advise Us if You are permanently migrating from Your Country
• cancer; of Origin or applying for permanent residence in a country when on Your
Journey. The period of insurance will expire 21 days after Your arrival in
• an aneurysm, blood or lung clots (including stroke/TIA);
the country where You will be permanently migrating to or applying for
• insulin dependent diabetes; permanent residence.
• major allergic reactions; 11. You must comply with all Our requests relating to Your claim including
• back problems if You have had spinal surgery; and/or providing all co-operation, information and assistance requested.
• surgery involving any joints; 12. You must at all times act in a prudent manner and take all reasonable steps
• Mental Illness; to prevent loss and minimise any claim made under Your policy.

• sexually transmitted disease AIDS, HIV or related conditions. 13. You must immediately consult and follow the advice of a Registered
Medical Practitioner if You have suffered an Injury or illness.
(iii) P
 re-existing medical conditions that are automatically
covered
If Your Pre-existing medical condition falls within the terms detailed below then
You are automatically covered for the condition. You do not need to contact Us GENERAL
EXCLUSIONS
for approval if:
a. Your Pre-existing medical condition is stable and well controlled and
Your treatment (including medication) has not changed in the 12
months prior to the date Your policy is issued; and – applying to all sections
b. Your condition is not an ongoing or chronic condition for which You have
This policy does not cover any loss, damage, liability, death or incapacity
received treatment at a hospital in the 5 years prior to the date Your
directly or indirectly caused by or arising from:
policy is issued; and
1. war, invasion, act of foreign enemy, warlike operations (whether war is
c. You have not had surgery or hospital treatment for the medical
declared or not), civil war, mutiny, rebellion, revolution, insurrection, military
condition in the 12 months prior to the date Your policy is issued; and
or usurped power. (In respect of civil unrest only, this exclusion does not
d. the Pre-existing medical condition is not detailed in (i) or (ii) above as apply to Section 6b. Political Evacuation under the Platinum plan);
either a Pre-existing medical condition that You need to contact Us
2. an Act of Terrorism (refer to ‘Definitions’ for full details) – unless cover is
about or which is not covered under this policy.
otherwise provided under individual sections of this policy. If We allege
If You are in any doubt as to whether a medical condition is covered please that by reason of this clause, any loss or damage, cost or expense is not
contact our office. covered by this insurance the burden of proving the contrary will be upon
Cover for conditions outside of those described in part (iii) of the Pre-existing the insured;
medical conditions section may be available following a medical assessment. 3. nuclear weapons material;
If cover is approved, You may be required to pay an additional premium and
written confirmation will be forwarded to You.

AZ.MS.BUS.1.0425 8
4. an actual or likely Epidemic or Pandemic, or, the threat of an Epidemic or 22. any consequential loss, loss of enjoyment or loss of income;
Pandemic, except under the following sections:
23. You travelling against the advice of a Registered Medical Practitioner;
Section 1j. Epidemics and Pandemics; and
24. You travelling with the intention of obtaining medical treatment.
Section 2 Medical Benefits.
Refer to www.who.int and www.safetravel.govt.nz for further information on
Epidemics and Pandemics;
5. ionising radiation or contamination by radioactivity from any nuclear fuel SECTION 1:
or from any nuclear waste from the combustion of nuclear fuel. (For the
purpose of this exclusion, combustion includes any self sustaining process of CANCELLATION AND
TRAVEL DISRUPTION
nuclear fission);
6. biological and/or chemical materials, substances, compounds or the like
used directly or indirectly for the purpose of harm or to destroy human life
and/or create public fear;
7. Your deliberate or reckless acts; BENEFITS
8. Your unlawful acts; Based on the plan shown on Your Certificate of Insurance You will be eligible up
9. any person lawfully in Your accommodation premises; to the Maximum Benefit in the Schedule of Benefits.
10. any travel within New Zealand unless this forms part of Your international If You have purchased the Gold plan, there are a number of benefits under this
Journey, or You are traveling on a frequent traveller plan and are more than section where cover is reduced.
250km from Your place of residence; You must advise Us as soon as You are aware of any health or other
11. the New Zealand Government’s recommendation that travel not be taken circumstances that are likely to result in cancellation or curtailment of Your
to any country, territory or region, if the warning has been issued prior to the Journey.
purchase of this insurance, whether this relates to essential or non–essential Note: If Your travel plans are disrupted by a claimable event, a claim can only
travel or both; be lodged under one of the following: Sections 1b. Cancellation of Journey
12. occupations involving unusual or dangerous work; Paid in Full; 1d. Missed Connection; 1e. Travel Delay; 2a – sub–paragraph 4.
Overseas Medical Expenses; or 2e. Accompanying Person. You cannot make a
13. elective or cosmetic surgery;
separate claim for the same event under each of these sections.
14. active participation in:
i. skiing and snow-boarding outside of ski resort boundaries; 1a. Loss of Deposits
ii. diving underwater using an artificial breathing apparatus unless You If prior to Your Journey You must cancel or amend Your travel arrangements,
hold open water diving license recognized in New Zealand or are due to any unforeseeable circumstance beyond Your control, We will
diving with an instructor licensed for these activities, or, under any pay up to the policy’s Maximum Benefit for Your irrecoverable travel and
circumstances, diving underwater at a depth greater than 30 metres; accommodation deposits or expenses, which have been paid in advance.
iii. flying hang or tow gliding, microlite flying, parachuting, sky diving and In respect of a cancellation fee charged by Your travel agent, provided the
other aerial activities other than the following; travel agent has disclosed their cancellation fees to You in writing at the time
of making Your travel arrangements, We will also pay You up to a maximum
• hot air ballooning;
of 10% of Your total travel costs (that were paid through the travel agent) or
• paragliding; NZ$500 per Insured Person, whichever is the lesser amount.
• parasailing;
1b. Cancellation of Journey Paid in Full
• bungee jumping; or
If following full payment of Your trip, You had to cancel or amend Your travel
• as a fare–paying passenger in a power driven aircraft licensed to
arrangements, due to any unforeseeable circumstance beyond Your control,
carry passengers flown by a pilot licensed to carry passengers;
We will pay up to the policy’s Maximum Benefit for Your irrecoverable travel
iv. mountain and rock climbing; and accommodation expenses, which have been paid in advance.
v. Professional Sport;
1c. Curtailment
vi. racing of any kind (other than on foot) including training;
If You cannot complete Your Journey, due to any unforeseeable circumstance
vii. ocean yachting 25 nautical miles or more from the mainland;
beyond Your control, and have to return to Your Country of Origin earlier than
viii. white water rafting, white water kayaking or black water rafting in grade planned, We will pay up to the policy’s Maximum Benefit for Reasonable
5 or more rivers; additional travel and accommodation expenses (necessarily and actually
ix. pot holing; incurred by You in order to return to Your Country of Origin) which are
additional to Your planned itinerary, provided You already hold a pre-paid
x. rodeo activities;
return ticket. The amount claimable will be less any amounts refundable on
xi. hunting; unused travel vouchers or tickets.
xii.  any activity in remote areas except as part of an organised tour group; Wherever claims are made by You under this section, and Sections 1a. Loss
xiii. extreme versions of any sport. of Deposits or 1b. Cancellation of Journey Paid in Full, for cancelled services/
facilities or alternative arrangements for the same or similar services/facilities,
15. pregnancy or childbirth (except for unforeseen medical complications or
We will pay for the higher of the two amounts, not both.
emergencies within the first 20 weeks/140 days of Your pregnancy). There is
no cover for a child born overseas unless, after birth, cover is applied for and 1d. Missed Connection
We agree in writing to include the child in this cover;
If Your scheduled Public Transport service is cancelled or curtailed due to
16. sexually transmitted diseases contracted during Your Journey; riot, strike or civil commotion, natural disaster or severe weather conditions,
17. Your domestic pet or farm/lifestyle animal; or You miss Your connecting scheduled Public Transport service due to any
unforeseeable circumstance beyond Your control, We will pay up to the
18. Your self-inflicted illness or injury, or Your suicide or You undergoing Maximum Benefit the additional necessary and Reasonable travel and
an abortion where it is not deemed medically necessary to do so by a accommodation expenses, appropriate to the Journey being undertaken that
Registered Medical Practitioner; You incur to arrange alternative transport to enable You to maintain Your
19. a therapeutic or illicit drug or alcohol addiction; original travel itinerary, provided that:
20. You being under the influence of any intoxicating liquor, drugs or substances i. there was no warning that the cancellation may occur;
except a drug prescribed to You by a Registered Medical Practitioner, and ii. You have made reasonable efforts to avoid any additional expenses;
taken in accordance with their instructions; and
21. riding a moped or motorcycle (whether as driver or passenger) in any of the iii. refunds on unused tickets or travel vouchers have been applied for.
following circumstances: If the purpose of Your trip is to attend a wedding or conference, We will pay
i. where the engine capacity is more than 200cc; or the Reasonable alternative travel costs to Your planned destination if the
conference or wedding cannot be delayed solely due to Your late arrival.
ii. without a helmet; or
The amount claimable under this section will be less any amounts refundable
iii. without a valid driver’s licence as required in the country You are in. for unused tickets or vouchers.

AZ.MS.BUS.1.0425 9
1e. Travel Delay i. You; or
If the departure of scheduled transport in which You have arranged to travel is ii. Your Travelling Companion; or
delayed for at least 12 hours from the time specified, due to any unforeseeable iii. a Close Relative;
circumstance beyond Your control, We will pay for the Reasonable meal and
4. Your Pre-existing medical condition(s) or those of any other person on
accommodation expenses necessarily incurred due to the delay, which are not
whose state of health the Journey depends unless the condition/s are
recoverable from any other source.
described as being covered under this policy or accepted by Us in writing;
Written proof of the delay from the transport provider must be submitted
5. any Pre-existing medical condition suffered by a Close Relative or any
together with receipts for the extra costs incurred.
complications directly attributable to those conditions;
1f. Frequent Flyer Points 6. any circumstances likely to lead to the cancellation or curtailment of the
Journey that You are aware of (including strikes or strike notices) that were
If an airline ticket has been purchased using frequent flyer or a similar air points
present at the time You purchased this insurance;
rewards system and the airline ticket is cancelled due to any unforeseeable
circumstance beyond Your control, We will pay up to the policy’s Maximum 7. the receivership, statutory management, administration, bankruptcy,
Benefit, the retail price for that ticket at the time it was issued. This cover is liquidation, financial collapse or adverse financial position of any airline,
provided only in the event that the loss of air points cannot be recovered from transport provider, tour operator, travel agent, or wholesaler;
any other source. If the air points company requires the payment of a fee for 8. You or Your Travelling Companion not having the appropriate passport,
reinstating Your air points, then this cost will be claimable under Your policy. entry visa or work permit documentation required by any foreign
government or foreign power;
1g. Resumption of Travel/Alternate Staff
9. Your travel plans being affected when travel is prevented or limited by
If You are forced to return to Your Country of Origin due to the serious Injury, legislation, government or court order;
illness, disease or death of a Close Relative, We will pay up to the Maximum
10. the inability of a tour operator or wholesaler to complete arrangements
Benefit for the Reasonable transport costs actually incurred by You to resume
for a group tour due to a deficiency in the number of persons required to
Your pre-booked travel plans as per Your original itinerary, provided that:
commence or complete any part of the tour;
i. the serious Injury, illness, disease or death of a Close Relative occurred
11. costs charged by or payable to a supplier resulting from rescheduling or
after Your departure from Your Country of Origin and was not caused by
cancelling of travel arrangements by that supplier;
a Pre-existing medical condition;
12. Your curtailment or Your cancellation for medical reasons unless on written
ii. You have not made a claim under Section 1c. Curtailment; and
medical advice;
iii. You held a return ticket at the time the event which has caused You to
13. the inability or negligence of a tour operator, charter airline or wholesaler to
return to Your Country of Origin occurred.
complete Your travel arrangements;
Alternatively We will pay up to the policy’s Maximum Benefit per Insured
14. costs paid in advance that exceed the recommended retail value of any
Person for the Reasonable additional travel costs incurred within three months
concert or sporting event ticket that is scheduled to take place during Your
of Your return to Your Country of Origin to enable an alternative staff member
Journey;
to be sent overseas to complete Your original assignment.
15. lockdowns, changes in government alert levels, quarantine or mandatory
1h. Strikes and Hijacks isolation that applies generally or broadly to some or all of a population,
We will pay up to the policy’s Maximum Benefit for irrecoverable additional vessel or geographical area, or that applies based on where You are
travel and accommodation costs, due to cancellation or curtailment of travelling to, from, or through;
scheduled Public Transport services, as a result of a strike or hijack. 16. You commencing Your travel against the New Zealand Government’s
advice, or against local government advice at Your overseas destination.
1i. Additional Expenses as a Result of Terrorism
We will provide cover for the Reasonable additional costs incurred when You or
Your travel arrangements are affected directly by or in connection with any Act
of Terrorism. Under the Gold plan any payment for an Act of Terrorism will be SECTION 2:
limited to a maximum of NZ$3,000 per Insured Person per period of insurance.

1j. Epidemics and Pandemics

MEDICAL
The cover described under Sections 1a, 1b, 1c, and 1f is extended to cover the
following events:
BENEFITS
i) You or Your Travelling Companion are diagnosed with an Epidemic or a Based on the plan shown on Your Certificate of Insurance You will be eligible up
Pandemic disease and cannot commence or complete Your travel; or to the Maximum Benefit shown in the Schedule of Benefits.
ii) You or Your Travelling Companion are specifically and individually If You have purchased the Gold plan there are a number of benefits under this
designated by name in an order or directive to be placed into section where cover is reduced.
mandatory quarantine or isolation by the New Zealand Government or
any other government or local authority, based on their suspicion that 2a. Overseas Medical Expenses
either of You have been exposed to an Epidemic or Pandemic disease; You are covered for Reasonable and customary overseas hospital, medical,
or surgical, nursing home charges or other remedial attention or treatment
iii) Your travel is disrupted following the commencement of Your Journey given or prescribed by a Registered Medical Practitioner including medical
due to You or Your Travelling Companion being denied boarding on repatriation expenses, incurred as a result of an illness, Injury or disease which
any scheduled Public Transport service, based on the suspicion that occurred on Your Journey. This benefit only applies in excess of any amounts
either of you have an Epidemic or Pandemic disease and You incur costs You are entitled to from any reciprocal arrangements between Your usual
for additional accommodation and meals as a result. The most We will country of residence and the country in which the charges or expenses were
pay for any claim under part iii) is $200 per day up to a maximum of incurred and in excess of any amounts that are recoverable by or on behalf of
$1,400. You from any other source.
There is no cover for claims arising from any lockdowns, changes in government Please note that New Zealand has reciprocal health arrangements with
alert levels, quarantine or mandatory isolation that applies generally or Australia and the United Kingdom. Unless You have purchased the Platinum
broadly to some or all of a population, vessel or geographical area, or that plan and this is noted on Your Certificate of Insurance, You will be required to
applies based on where You are travelling to, from, or through. seek treatment in these countries from their public health system.
In all cases:
Exclusions – applying to Section 1
1. We will only pay costs incurred within 12 months of the illness or Injury;
We will not pay for claims that relate to loss, damage, liability, expenses or
2. You, or someone acting on Your behalf, must wherever possible contact
claims for or arising directly or indirectly out of:
Allianz Partners prior to treatment or hospitalisation. Failure to obtain Our
1. Your disinclination to travel, personal wishes, financial circumstances or prior approval before any hospitalisation or treatment may result in Your
business reasons; medical expenses claim being declined;
2. failure to check in at the correct departure time or claims resulting from You 3. We have the option of returning You to Your Country of Origin for further
being a standby passenger; treatment if You are medically fit to travel and We will cover the costs for
3. the serious Injury, illness, disease or death of any person who is not: Your repatriation. If You decline to return We will not pay for any ongoing
overseas medical expenses;

AZ.MS.BUS.1.0425 10
4. If You cannot continue Your Journey due to an Injury or illness which a. Pre-existing medical conditions that are not described as being covered
needs immediate treatment from a Registered Medical Practitioner who under this policy or confirmed as being covered by Us in writing prior to
certifies in writing that You are medically unfit to continue Your Journey, the commencement of Your Journey;
We will reimburse Your Reasonable additional accommodation and travel b. You engaging in any activity associating with prostitution;
expenses up to the standard of Your original booking, including returning
You home if You are unable to use Your pre-arranged return transport. The c. any complications arising from a medical condition where You are
amount claimable will be reduced by any amounts refundable on unused travelling against medical advice.
travel vouchers or tickets. Additional cover is also provided for emergency 2. We will not pay any medical expenses relating to hospitalisation or surgical
telephone calls and taxi fares up to an amount of NZ$100 per person in treatment where Our prior approval has not been sought and obtained,
connection with Your Injury or illness. unless notification is not possible.
Note: If Your travel plans are disrupted by a claimable event, a claim can 3. Cover will cease under this section if You fail to follow Our requirements as
only be lodged under one of the following: Sections 1b. Cancellation of per Section 2a.
Journey Paid in Full; 1d. Missed Connection; 1e. Travel Delay; 2a – sub– 4. We will not pay any medical expenses incurred for continuing treatment,
paragraph 4. Overseas Medical Expenses; or 2e. Accompanying Person. including medication which commenced prior to this Journey.
You cannot make a separate claim for the same event under each of these
5. We will not pay for private medical treatment when public treatment is
sections.
available unless You have purchased the Platinum plan and this is shown on
5. If You choose not to return to Your Country of Origin on or prior to the Your Certificate of Insurance.
expiry date shown on Your Certificate of Insurance, We will not pay for any
6. We will not pay for claims that relate to loss, damage, liability, expenses or
ongoing medical expenses, including medication, that You incur after the
claims for or arising directly or indirectly out of:
expiry date in connection with any Injury, illness or disease that occurred
during the period of insurance; a. the extraction of wisdom teeth unless these have become impacted;
6. Follow on Medical treatment in New Zealand. b. dental expenses incurred in Your Country of Origin;
On Your repatriation or return to New Zealand We will pay up to the c. normal dental health maintenance, or any treatment resulting from
policy’s Maximum Benefit per Insured Person for continuing follow on a lack of regular dental health maintenance or hygiene including
treatment, provided these expenses are incurred within a 12 month period, dentures, fillings, root canals, polishing and scaling, replacement due to
following the date of the first occurrence of the Injury or illness. The cover the loss of dental bridges, restoration work, caps or crowns;
provided excludes dental expenses, as these are covered under Section 2c. d. precious metal cost or pins, fittings and titanium implants in relation to
Emergency dental expenses. dental treatment.
7. We will not pay claims directly or indirectly caused by or arising out of You
2b. Overseas Medical as a Result of Terrorism
commencing Your travel against the New Zealand Government’s advice, or
We will provide cover for overseas medical and repatriation costs resulting against local government advice at Your overseas destination.
directly from or in connection with any Act of Terrorism. For the Gold plan, any
payment under this section will be limited to a maximum of NZ$250,000 per
Insured Person per period of insurance.

2c. Emergency Dental Expenses SECTION 3:

Emergency Dental Treatment - Pain Relief Only
We will reimburse You for emergency dental expenses up to the policy’s
PERSONAL ACCIDENT
Maximum Benefit to relieve sudden and acute dental pain first manifesting
itself during the Journey, provided;
1. the treatment is to a sound natural tooth. Sound natural teeth does
AND LOSS OF INCOME
Based on the plan shown on Your Certificate of Insurance You will be eligible up
not include dentures or any tooth which has a filling or been subject to to the Maximum Benefit shown in the Schedule of Benefits.
restoration work, capping or crowning; and If You have purchased the Gold plan there are a number of benefits under this
2. You have been to a dentist in the last 24 months as part of Your routine section where cover is reduced.
dental maintenance and received all recommended treatment.
Emergency Dental Treatment as a result of an Injury
3a. Accidental Death or Permanent Disablement
If during Your Journey You sustain an Injury caused by violent, external and
We will pay for dental expenses up to the policy ’s Maximum Benefit for
visible means which within 12 months of such Injury results in Your death We
emergency treatment as a result of an Injury to sound natural teeth during the
will pay to Your estate the policy’s Maximum Benefit as shown in the Schedule
Journey.
of Benefits.
2d. Incidental Hospital Expenses Alternatively, if due to an Injury during the Journey You suffer a Permanent
If You are confined to a hospital overseas as a result of Injury, illness or disease, Disablement, We will pay You the policy’s Maximum Benefit.
We will pay You NZ$50 for each 24 hour period You are hospitalised, providing
the period of confinement exceeds at least 48 hours and limited to the policy’s
3b. Accidental Death or Permanent Disablement as a Result
Maximum Benefit per Insured Person. We will not pay for the first 48 continuous of Terrorism
hours You are in hospital. If during the Journey You sustain an Injury as a result of or in connection with an
Act of Terrorism, which results in Your death or Permanent Disablement We will
2e. Accompanying Person pay a maximum of $50,000 per Insured Person per period of insurance to You
We will pay the Reasonable return airfare (economy class), transportation and or Your estate. For the Gold plan We will pay up to a maximum of $25,000, per
accommodation expenses up to the policy’s Maximum Benefit for one relative Insured Person per period of insurance, to You or Your estate.
or friend, who on the advice of Our Registered Medical Practitioner, travels
to You and/or remains with You because of the severity of any Injury, illness 3c. Travel Accident – Resulting in Death
or disease suffered. You must contact Us for approval before any expense is If Your death occurs during Your Journey as a direct result of any Injury suffered
incurred. when You were travelling as a fare-paying passenger on a train, ship or
licensed passenger carrying aircraft then We will pay NZ$100,000 per Insured
2f. Search & Rescue – Natural Disaster Person to Your estate.
We will pay up to NZ$20,000 towards the costs of a private search if You are Please note if You lodge a claim under Section 3a. or 3b. then no claim can be
declared missing following a natural disaster, during the period of insurance, lodged under Section 3c.
provided that:
i. one of Your close family members requests the search; 3d. Loss of Income
ii. the search is approved by local authorities; and We will pay up to the policy’s Maximum Benefit per Insured Person per month
for a maximum of 6 months for a temporary Injury which occurs on Your Journey
iii. the search commences within 72 hours of the official notification that and prevents You from undertaking Your usual business or occupation for more
You are missing. than 14 days following Your return to New Zealand, provided that You were
returning to a fulltime position in New Zealand. This is provided the income You
Exclusions – applying to Section 2 receive from all sources including the Accident Compensation Corporation and
1. We will not pay claims directly or indirectly caused by or arising out of: this benefit do not exceed 80% of Your income prior to the Injury.

AZ.MS.BUS.1.0425 11
The amount payable shall be calculated on a daily basis based on Your Items where the age of the item cannot be determined
preceding 12 months earnings, for each day You are unable to attend to Your If You cannot establish the purchase date of any item present day value is
usual occupation. calculated by applying a minimum of 50% depreciation (which may be increased
further based upon Our assessment of the age of the item) to the lesser of the
3e. Funeral Expenses purchase price or current replacement price of the item.
Where death occurs on Your Journey We will pay up to the policy’s Maximum
Benefit for the Reasonable funeral and cremation or burial expenses in the 4b. Trade Samples and Tools
area where death occurred, or for the costs of returning Your body or ashes to We will pay for the sudden and unforeseen accidental loss or damage to Your
Your Country of Origin excluding funeral and interment costs. business trade samples and tools excluding Personal Baggage and electronic
equipment up to the policy’s Maximum Benefit for their present day value at
Exclusions – applying to Section 3 the time of the loss.
1. We will not pay claims directly or indirectly caused by or arising from: The cover under this section can be increased on application to Us and an
a. heavy manual or hazardous work; or additional premium charged.
b. deliberate exposure to danger unless in the attempt to save a human We may elect to repair or replace the property or pay for the present day value
life. for the loss or damage, in cash, after making an allowance for depreciation,
wear and tear depending on the age of the item.
2. If You fail to follow Our requirements under Section 2, anywhere such failure
causes or contributes to a claim under Section 3, no claim benefit under (Please refer to Section 4a. for calculation of present day value.)
Section 3 shall be payable.
4c. Emergency Baggage
3. You are not insured for death or Permanent Disablement under Sections 3a.
If Your Personal Baggage is temporarily lost in transit, and is not restored to
to 3d. directly resulting from disease, illness or any natural causes.
You within 12 hours of the discovery of the loss, We will reimburse You for the
4. We will not pay for funeral expenses under Section 3e, where death occurs emergency purchase of essential replacement items.
as a result of Pre-existing medical conditions that are not described as
We will reimburse You up to NZ$1,500 after the first 12 hours under the
being covered under this policy or confirmed as being covered by Us in Platinum plan and NZ$500 under the Gold plan.
writing prior to the commencement of Your Journey.
If the Personal Baggage is still missing after a further 48 hours then an
5. The accidental death or Permanent Disablement of persons under the age additional amount of NZ$500 is claimable.
of 16 years.
After a further 72 hours then a further amount of NZ$500 is also claimable if
You are still deprived of Your luggage.
Receipts of purchases must be produced to support any claim.
SECTION 4: This section does not apply if Your Personal Baggage is temporarily lost when

BAGGAGE, PERSONAL You are returning to Your normal place of residence.

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

EFFECTS AND MONEY

Section 4a. the costs of the items purchased under this policy section will be
deducted from the claim amount paid under Section 4a.

BENEFITS
Based on the plan shown on Your Certificate of Insurance You will be eligible up
4d. Travel Documents
We will pay up to the policy’s Maximum Benefit per Insured Person for:
i. the cost of replacing Your personal travel documents including passports,
to the Maximum Benefit shown in the Schedule of Benefits. entry visas and credit cards, carried with You on Your Journey arising out of
If You have purchased the Gold plan there are a number of benefits under this accidental loss or theft;
section where cover is reduced. ii. any additional travel and accommodation expenses, if Your Journey is
In all cases We will only pay if the loss or theft of any item is reported to the disrupted, to arrange replacement of Your travel documents; and
police. If You cannot report the loss to the police You should report it to the local iii. the cost of subsequent unauthorised use by other persons, provided that
governmental authority. Such reports must be made within 24 hours of the loss You have observed all terms and conditions as set down by the issuing
and You must obtain written confirmation of the report. authority and You cannot recover Your loss from any other source.
Please note: Business property, electronic equipment and trade samples and As soon as the loss is discovered You must notify the police and the issuing
tools are insured for their intrinsic value only and not for any value attached to authority to ensure that the appropriate cancellation measures are taken.
their use or information they may contain.
4e. Personal Money
4a. Personal Baggage We will pay up to the policy’s Maximum Benefit for the accidental loss or theft
We will pay up to the policy’s Maximum Benefits for accidental loss or damage from Your person or from a locked safe or from Your accommodation when You
to Your Personal Baggage, which has been taken or purchased on Your are present in the room, of Personal Money taken on Your Journey.
Journey. The loss or damage must occur in the course of the Journey and during In respect of Personal Money secured for the purpose of the Journey, cover
the period of insurance. shall commence at the time of collection from the bank or 72 hours prior to
If You wish to include items of Personal Baggage and effects that have a Your departure date whichever occurs last and shall continue for 72 hours after
present day value more than the applicable policy limit per item, You can Your return or until the Personal Money is deposited in Your bank, whichever
specify them on the application form and You will be required to pay an occurs first.
additional premium prior to the commencement of Your policy. In the event of
a claim You will be required to provide a receipt of purchase and/or valuation 4f. Additional Expenses as a Result of Terrorism
certificate for each specified item. We will provide cover for the Reasonable additional costs incurred, when Your
Total Limit per specified item is NZ$10,000 with an overall total limit for all travel arrangements or Your belongings are affected directly or in connection
specified items of NZ$20,000 per policy. with any Act of Terrorism.

At Our discretion We may elect to repair or replace the property or We will pay Under the Gold plan any payment for an Act of Terrorism will be limited to a
the present day value of the lost or damaged item in cash, after making an maximum of NZ$3,000 per Insured Person per Journey.
allowance for depreciation and wear and tear. Proof of purchase and ownership
Exclusions – applying to Section 4
will be required to support any claim over $500.
1. We will not pay for loss or damage to:
The electronic equipment item limit for camera and electronic equipment
includes attached or unattached lenses or accessories. a. household furniture (other than soft goods which include manchester
and household linen);
Items Under 2 years of age
b. fragile or brittle articles unless the damage is caused by fire or accident
For items that are less than 2 years old present day value means the lesser of
to the conveyance in which they are being carried;
the purchase price or the replacement price of the item(s).
c. bicycles, skis/snowboards and/or bindings, surfboards, windsurfers or
Items Over 2 years of age
similar water equipment other than when they are damaged in transit
If an item is more than 2 years old present day value is calculated by applying on a licensed commercial transporter or resulting from fire in or burglary
a minimum of 20% depreciation per annum (from the date of purchase) to from locked accommodation premises;
the lesser of the purchase price or current replacement price of the item.
d. any other sporting equipment whilst in use;
Depreciation may be measured by using the current second hand value of the
lost or damaged item. e. Personal Baggage, trade samples and tools sent in advance or articles
mailed, sent or shipped by freight or cargo separately;
AZ.MS.BUS.1.0425 12
 f. Personal Baggage, trade samples or tools, left Unattended by You or i. land or buildings owned, or held in trust by You or in Your custody or
Your Travelling Companion in a Public Place. This includes where an control;
item is at a distance from You that You cannot prevent it from being ii. Your business or occupation;
taken;
iii. the ownership or use of any land or building, aircraft or aerial device
g. Personal Baggage or trade samples and tools left in a motor vehicle other than model aircraft;
unless stored in a locked luggage compartment of the motor vehicle
and forced entry is gained. If there is no lockable luggage compartment iv. mechanically propelled vehicles;
in the motor vehicle the items must be unable to be seen from outside v. watercraft other than a rowboat, surfboard, sailboard, body board,
the locked vehicle; water-ski or model boat;
h. travel documents not reported within 24 hours to the police or the issuer vi. unmanned vehicles.
of any credit card or travellers’ cheque(s) or travel documents where 2. We will not pay claims arising from:
You have not complied with the conditions under which they have been
issued and done everything to minimise the loss; a. damage to property belonging to You or any employee or member of
Your family or under Your or their control;
i. jewellery – except when at the time of the loss or damage the item is
being worn by You, or in Your bedroom while You are present in the b. Injury, death or illness to You, Your employee or members of Your family;
same room, or in a locked safe; c. damage to any structure or land due to vibration or to the withdrawal or
j. any electronic device caused by the malfunction of that device; weakening of support;
k. any electronic data or software. d. fines, penalties and punitive, exemplary, aggravated or liquidated
damages imposed upon or awarded against You;
2. We will not pay for loss or damage arising from:
e. Your liability under a contract;
a. delay, detention or confiscation by Customs Officers or other officials; or
f. Your unlawful, malicious, deliberate or intentional acts; or
b. scratching, denting, grazing, staining, wear and tear, rot, mould, mildew,
rust, corrosion, the action of insects or vermin, or clothing and personal g. transmission of any communicable disease.
effects being cleaned, dyed, altered or repaired.
3. We will not pay for loss of Personal Money except when at the time of the
loss or damage the Personal Money was on Your person, or was in Your
bedroom while You are present in the same room, or in a locked safe. SECTION 6:
OTHER
SECTION 5: BENEFITS
PERSONAL This section is only available if You have selected and paid the premium for the
Platinum plan. There is no cover under this section for the Gold plan.

LIABILITY
Based on the plan shown on Your Certificate of Insurance, You will be eligible
6a. Kidnap and Ransom
This section will cover You if You are kidnapped whilst on Your Journey.
up to the Maximum Benefit shown in the Schedule of Benefits. We will pay up to the policy’s Maximum Benefit and the cover will include
expenses for:
5a. Rental Vehicle Excess
a. the ultimate net loss of ransom paid by You following Your kidnapping;
You are covered for the insurance excess You are required to pay, as a result of
b. the reasonable expenses incurred following the receipt of a ransom
loss or damage to a rental vehicle You have hired, up to the policy’s Maximum
demand after Your kidnapping for:
Benefit, provided that:
i. fees and expenses of any independent security consultants retained by
a. You were the driver of the vehicle at the time of the accident or if the
You as a result of the ransom demand provided We have given consent
vehicle was not being driven it was under Your custody and control when
for this service;
stolen or damaged;
ii. interest paid on monies borrowed from a financial institution for the
b. You have observed all local driving license rules and regulations;
purpose of paying the ransom. The amount We will pay is limited to a
c. Your vehicle was rented from a licensed rental agency; term of 30 days from the date of payment of the ransom until the first
d. You have not breached Your rental vehicle hire contract; business day after You receive the settlement from Our company. The
e. the excess is not recoverable from any other source; and interest will be calculated on the policy’s Maximum Benefit and for a
rate not exceeding 2% above the maximum interest charged through
f. You have made a claim with the motor vehicle’s insurer which has been Our company’s banking facilities;
accepted, or would have been accepted except for the application of
the excess. iii. any other expenses, which are directly incurred for the purpose of
investigating, negotiating or paying a ransom demand or costs
5b. Personal Liability incurred in procuring Your release. This will exclude any expenses, fees
or damages incurred as a result of any proceeding brought against
We will indemnify You up to the policy’s Maximum Benefit for all sums that You
become legally liable to pay as direct compensation consequent on:
a. accidental Injury, death or illness to persons; or
b. accidental loss or damage to tangible property;
occurring during the course of Your Journey and during the period of insurance.
In respect of a claim to which the above indemnity applies We will pay any
costs of litigation legally recovered by any claimant from You and all other
costs and expenses incurred with Our written consent.

5c. Defence Costs – Including Wrongful Arrest

We will pay for defence costs incurred by You with Our consent in defending
claims made against You, including such costs incurred which are the direct
result of Your false arrest or wrongful detention by any government or
government agency, up to the policy’s Maximum Benefit.

Exclusions – applying to Section 5

1. We will not be liable in respect of Your legal liability for Injury or damage
caused by or arising in connection with:

AZ.MS.BUS.1.0425 13
 You arising from the kidnapping or in the way it was handled and/
or expenses for losses or damages caused by the interruption to any
business;
iv. travel costs for the kidnap victim to allow them to join their immediate
family upon their release;
v. travel costs for an alternative employee to replace the kidnap victim
overseas if their business assignment cannot be delayed.
We will not act as an intermediary or negotiator for You nor will We offer direct
advice on dealing with Your kidnappers.
If any other person receives advice that You have or may have been kidnapped
they should make every reasonable effort to:
• Determine whether You have been kidnapped;
• Notify the appropriate authorities and comply with their recommendations;
• Give Us immediate notification of the kidnapping; and
• Record the serial numbers or other identifying characteristics of any
currency or goods delivered to secure Your release.

6b. Political Evacuation

If on Your Journey You are recommended to leave the country through which
You are travelling by the officials of that country or You are expelled or
declared persona non grata from that country or there is a wholesale seizure
or confiscation of Your property in that country We will pay the economy class
airfare cost to return You to Your Country of Origin or to the nearest place of
safety. This will include cover for Reasonable accommodation costs up to the
policy’s Maximum Benefit if You are unable to return to Your Country of Origin.

Exclusions – applying to Section 6

a. Kidnap & Ransom
We will not pay claims if:
a. You do not take all reasonable precautions to keep this insurance cover
confidential;
b. investigation establishes collusion or fraud by You or any other person.
If collusion or fraud is established You must reimburse Us the payment
made under this section immediately;
c. any payment of monies is made with respect to kidnapping occurring
in Mexico, any Central or South American country or any nation where
United Nations armed forces are present; and
d. You or Your representative do not make contact with Allianz Partners for
assistance.
b. Political Evacuation
1. We will not pay any claims if:
a. You violate any laws or regulations in the country through which You are
travelling;
b. You fail to produce or maintain necessary immigration, work residence
or similar visas, permits or other documentation;
c. You are a national of the country from which You are being evacuated
from;
d. a natural disaster occurs; or
e. You were aware of political unrest prior to Your entry to the country
in which You are travelling or if the unrest was foreseeable by any
reasonable person prior to entry to the country.
2. We will not pay any claims due to:
a. Your failure to honour any contractual agreement; or
b. personal or business debt, insolvency, commercial failure, repossession
of any property by a title holder or any other financial failure.
Note: C
 ontact should be made to Allianz Partners for their approval and
assistance before any travel arrangements are made.

AZ.MS.BUS.1.0425 14
 EMERGENCY PHONE NUMBER Mitsui Sumitomo Insurance Company, Limited - Financial
Strength Rating.
Reverse charge call through
Mitsui Sumitomo Insurance Company, Limited has a financial strength
telephone operator: +64 9 486 6868 rating of A+ (Stable) given by S&P Global Ratings.

CONTACT DETAILS The S&P Global rating scale in summary form is:
Email: help@allianz-assistance.co.nz AAA (Extremely Strong)
AA (Very Strong)
Phone: 0800 800 048 A (Strong)
www.allianzpartners.co.nz BBB (Good)
BB (Marginal)
B (Weak)
AWP Services New Zealand Limited CCC (Very Weak)
trading as Allianz Partners, CC (Extremely Weak)
Level 3, 1 Byron Ave, Takapuna, Auckland 0622 R (Under Regulatory Supervision)
SD (Selective Default)
D (Default)
NR (Not Rated)

The rating may be modified by the addition of a plus (+) or minus (-) sign
to show relative standing within the major rating categories.

Further information on the S&P Global ratings is available here:

https://www.spglobal.com/ratings/en/products-benefits/products/
financial-strength-rating.

AZ.MS.BUS.1.0425 15