NZ Student Plan - FOR INTERNATIONAL STUDENTS STUDYING IN NEW ZEALAND - Uni-Care
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NZ
Student
Plan
Travel and Medical
Insurance Policy Wording
FOR INTERNATIONAL STUDENTS STUDYING IN NEW ZEALAND
This Policy, issued/insured by nib nz limited (“nib”), consists of several Sections and provides You with
insurance cover under those Sections as shown in the Policy Schedule. All cover is subject to payment of
the required premium, and is also subject to all the terms, conditions and exclusions of the Policy including
anything noted in the Policy Schedule. 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 (or the decision of a prudent insurer in the
circumstances) of whether to accept the risk of the insurance and if so on what terms. You have the same
duty to disclose those matters to Us before You renew, extend, vary or reinstate this Policy.
Your duty does not extend to matters;
+ that diminish the risk to be undertaken by Us.
+ that are of common knowledge.
+ that We know or in the ordinary course of Our business ought to know.
+ where compliance of Your duty is waived by Us.
If You fail to comply with this duty of disclosure, We may be entitled to reduce Our liability under this Policy
in respect of a claim, or may cancel this Policy. If Your non-disclosure is fraudulent, We may also have the
option of avoiding this Policy from the inception date.YOUR POLICY of Your Policy, by giving Us written notice of
This Policy is designed to provide cover for non a future date and;
New Zealand residents aged 60 years or under, (b) within 14 days of the Start Date of the
who study, and temporarily reside in New Zealand. Policy, providing You have not claimed.
Upon cancellation of this Policy by You we will
The benefit amounts shown on the Schedule of
refund premium as follows:
Benefits Payable (under the Certificate of
(i) If cancellation takes place within 14
Insurance) are the maximum amounts payable for
days of the Date of Issue and you
Your selected Policy. Sub-limits apply to some
have not claimed or commenced
Sections.
travel, we will retain 30% of the
premium for administration purposes
and the period during which Loss of
Deposits and Cancellation cover was
GENERAL CONDITIONS - APPLICABLE TO ALL in force.
SECTIONS UNLESS SPECIFIED OTHERWISE (ii) If cancellation takes place within 14
1. AUTOMATIC EXTENSIONS days of the Start Date of the Policy,
your policy is for a period of 90 days
(a) We will automatically extend the Period of
or longer and you have not claimed,
Insurance for up to 3 consecutive months
We will refund the unused premium to
from the completion date shown in the
You on a pro-rata basis less 30% for
Certificate of Insurance, if Your return to
administration purposes and the
Your Country of Origin is put back due to a
period during which Loss of Deposits
delay of transport or Your inability to Travel
and Cancellation cover was in force.
due to an Illness or Injury for which a claim
2. We can cancel this Policy of insurance
is payable under this Policy.
upon giving You 14 business days notice
(b) You are covered up to 9 days, each way,
in writing if:
in transit between Your Country of Origin
(a) You fail to comply with the duty of the
and New Zealand during The Period of
utmost good faith.
Insurance.
(b) You fail to comply with the duty of
(c) Providing You return home (to Your Country
disclosure.
of Origin) on a temporary basis (ie You
(c) You, at the time when the contract was
intend to return to New Zealand), for a
entered into, made a misrepresentation to
period not exceeding 3 months, (unless
Us during the negotiations for the contract
an extension has been requested and
but before it was entered into.
agreed to by the Underwriter), You are
(d) You fail to comply with a provision of the
covered in respect of sections 1A(1),
contract, including a provision with respect
Medical Expenses and 1B(1), Loss of
to payment of the premium.
Deposits. The maximum benefit in respect
(e) You make a fraudulent claim under the
of 1A(1) Medical Expenses for this
contract or under some other contract of
Automatic Extension is $200,000.
insurance (whether with Us or with some
(d) You are covered for a maximum of 31
other insurer) that provides insurance cover
days for temporary visits to Australia, Bali,
during any part of the period during which
Lombok and the Islands Of the South
the first-mentioned contract provides cover
Pacific and return to New Zealand during
the Period of Insurance. 4. CLAIM OFFSET
2. AUTOMATIC REINSTATEMENT Except for Section 4 Events 1 & 2 inclusive
there is no cover under this Policy for any loss
The Policy is subject to automatic
or event or liability which is covered under any
reinstatement without additional payment,
other insurance Policy, health or medical
following any one claim for loss or damage.
scheme or Act of Parliament or to the extent
3. CANCELLATION that free health care or treatment is readily
1. This Policy may be cancelled by You: available in New Zealand or under any
(a) between the Date of Issue stated on Your reciprocal health agreement between the
Certificate of Insurance and the Start Date Government of New Zealand and the
1 January 2019 Page 3 INBOUNDPDNZSTU 6.4Government of any other country or is payable 6. CURRENCY
by any other source or a Health Insurance All amounts stated in the Policy including the
Policy obtained as a condition of Your entry Schedule of Benefits are in New Zealand
visa into New Zealand. We will however pay dollars.
the difference between what is payable under
the other insurance Policy, health or medical 7. LAW
scheme or Act of Parliament or reciprocal This Policy shall be governed by New Zealand
health agreement or such other source and law and any dispute or action in connection
what You would be otherwise entitled to therewith shall be conducted and determined
recover under this Policy. in New Zealand.
5. DUTIES AND RESPONSIBILITIES 8. PROOF OF LOSS AND PHYSICAL
(a) In the event of a loss, You must EXAMINATION
immediately: You or any other person covered by this Policy,
(i) Do as much as You can to prevent any must provide Us immediately with full
further loss or expense. particulars of any claim made against You by
(ii) Contact Uni-Care Claims Service, any other person and all legal documents
P.O. Box 496 Wellington, New served on You or any other person covered by
Zealand, telephone toll free 0800 864 this Policy. We may at Our own expense
227 (0800 UNICARE) if You are to be conduct any medical examination or arrange
Hospitalised, evacuated or repatriated for an autopsy to be carried out.
or have lost all of Your luggage or 9. RENEWAL
money. This Policy may be renewed, with Our consent,
(iii) Direct all claims communications to: by payment of the applicable renewal
Uni-Care Claims Service, P.O. Box premium. You are unable to renew Your Policy
496 Wellington, New Zealand, retrospectively so You must advise Us if
claims@crombie.co.nz in NZ renewal is required before Your Policy
telephone toll free 0800 864 227 completion date.
(0800 UNICARE).
(iv) Outside New Zealand telephone: +64 10. REQUIRED INFORMATION
4 381 8166 (collect). All claims must be notified to Us as soon as
(v) When You have completed a claim practicable and all medical certificates,
form, return it to the address shown in accounts, receipts and information required by
iv) above, making sure You provide the Us shall be furnished in such form and in such
Policy number, supporting reports and reasonable time as We require. Original
documentation: such as police documents must be produced.
reports, doctor’s reports, Transport 11. SUBROGATION
Provider’s reports, receipts, valuations
We have the right to commence or take over
or proof of ownership.
legal proceedings in Your name, for the
(vi) As soon as possible after suffering
defence or settlement of any claim, or to sue or
Injury or Sickness obtain and follow
prosecute any other party to recover any
proper medical advice from a Medical
monies payable by them at law. You must co-
Practitioner.
operate with Us and do nothing to hinder Our
(vii) Lodge a written claim against any
rights.
person, party, hotel or transport
provider who may be legally liable for 12. UNTRUE OR INCOMPLETE INFORMATION
Your loss, Injury or Sickness. You are covered under this Policy provided
(viii) Contact the claims department for that the information You supply relevant to Your
prior approval of any claim requiring application is both complete and factual. If any
surgery, or any claim where the costs information is untrue, incomplete, misleading or
are expected to exceed $2,500. is not disclosed to Us, We do have the right to
(b) You must not admit liability in respect of any void this Policy and We are not obliged to pay
loss. Your claim.
1 January 2019 Page 4 INBOUNDPDNZSTU 6.413. GOVERNMENT CHARGES DEFINITIONS In this Policy the following
All premium costs include GST and NZ definitions apply:-
Government Fire Service and Earthquake 1. Alternative Medical Treatment means
Commission Levies that You are legally reasonable expenses necessarily incurred by
required to pay. You within 12 calendar months of sustaining
Injury or Sickness in respect of medical advice
or treatment by Chiropractors, Acupuncturists,
Osteopaths, Podiatrists, Dieticians,
Nutritionists and Dermatologists provided they
are registered members of a recognised
professional body for that type of Alternative
Medical Treatment provider.
2. Country Of Origin is that country outside
New Zealand in which You have established
permanent residency and is where Your Travel
commenced.
3. Eligible Person means persons who are
entitled to access to the New Zealand Public
Health System due to Reciprocal Health
Agreements (RHCA’s) with their Country Of
Origin and New Zealand.
4. Family means You and/or Your Spouse and
Your 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
is twice the individual amount shown and is
shared by the Family.
5. Financial Default means insolvency,
bankruptcy, provisional liquidation, liquidation,
financial collapse, appointment of a receiver,
manager or administrator, entry into any official
or unofficial scheme of arrangement, statutory
protection, restructuring or composition with
creditors, or the happening of anything of a
similar nature under the laws of any jurisdiction.
6. Hazardous means a risk likely to cause Injury
or Loss
7. Hospital means any institution lawfully
operated for the care and treatment of sick or
injured persons with organised facilities for
diagnosis and surgery and having 24 hours a
day nursing service and medical supervision;
but does not include any institution used
primarily as a nursing or convalescent home, a
place of rest, a geriatric care facility, a mental
institution, a rehabilitation or extended care
facility or a place for the care or treatment of
alcoholics or drug addicts.
8. Injury means physical and bodily injury which
happens to You as a result of external violence
during the Period of Insurance and which
results solely and directly and independently
1 January 2019 Page 5 INBOUNDPDNZSTU 6.4of any other cause within 12 calendar months (c) which have been diagnosed as a medical
of the date of occurrence of such injury. condition, or an illness or indicative of an
9. Kidnapping/Kidnapped means the seizing, illness; or
detaining or carrying away of You by force or (d) which are of such a nature to require, or
fraud for the purpose of demanding Ransom. which potentially may require medical
10. Manual Work means skilled and unskilled attention; or
manual work, other than that of an academic (e) which are of such a nature as would have
nature. caused a prudent, reasonable person to
11. Medical Expenses means reasonable seek medical attention
expenses necessarily incurred by You within prior to the start date of your policy.
12 calendar months of sustaining Injury or 17. Ransom means any monetary loss which is
Sickness in respect of medical advice or incurred in the provision and delivery of cash,
treatment by a Medical Practitioner, nurse, marketable goods, services or property to
Hospital and/or ambulance service for secure the release of You when Kidnapped.
medical, surgical, x-ray, Hospital or nursing 18. Relative means Your Spouse, de-facto
treatment, including physiotherapy, the cost Spouse, parent or step-parent or guardian,
of medical supplies and ambulance hire parent-in-law, daughter, son, daughter or son-
prescribed by a Medical Practitioner. It in-law, brother or sister, provided such
includes Alternative Medical Treatment if that person(s) are under 76 years of age and is
treatment has followed referral by a Medical resident in Your Country of Origin.
Practitioner. 19. Rental Vehicle means a vehicle, such as a
12. Medical Practitioner me an s any person sedan or station wagon, rented from a licensed
who is, or is deemed to be, registered with the motor vehicle rental agency.
Medical Council of New Zealand as a 20. Serious Injury or Serious Sickness (in
practitioner of the profession of medicine and respect of a Relative or any other person on
who holds a current practicing certificate. whose state of health the Travel depends)
13. Permanent means having lasted for 12 means a life threatening medical condition
consecutive months and at the end of that time which first manifested itself during Your Period
being beyond any hope of improvement. of Insurance.
14. Public Place means but is not limited to 21. Sexual Health Consultation means a
shops, airports, train stations, streets, hotel consultation arranged through a Medical
foyers and grounds, restaurants, beaches, Practitioner for the purpose of diagnosing
public toilets and any place to which the public Sexually Transmitted Infections (STIs), Sexually
has access. Transmitted Diseases (STDs) or Venereal
15. Period of Insurance means from the Diseases (VD).
commencement date shown in the Certificate 22. Sexually Transmitted Infections (STIs),
of Insurance until Your return to Your Country Sexually Transmitted Diseases (STDs) or
Of Origin, or the completion date shown in the Venereal Diseases (VD) means diseases
Certificate of Insurance, whichever occurs first, that are passed on from one person to another
except for section 1B(1) where cover shall start through any sexual contact.
on the day the premium is paid or six months 23. Sickness means any illness or disease
prior to the commencement of your journey (including symptoms thereof).
whichever is the later, provided the cover is 24. Spouse means Your husband or wife or the
granted by the Company. person with whom You have continuously
16. Pre-existing Condition/s means, in relation cohabited during the 90 days immediately
to You or any other person on whom Your preceding the Period of Insurance.
Travel depends, any medical or physical 25. Technology Item means mobile phones
conditions or circumstances: including smart phones, digital cameras,
(a) which you are aware of, or ought to have photographic, audio, video and electrical
been aware of; or equipment (including cds, dvds, video and
(b) for which advice, care, treatment, audio tapes and electronic games),
medication or medical attention has been computers, tablets and audio or media players.
sought, given or recommended; or 26. Terrorist Act means any actual or threatened
use of force or violence directed at or causing
1 January 2019 Page 6 INBOUNDPDNZSTU 6.4damage, injury, harm or disruption, or 31. War means war, whether declared or not, or
committing of an act dangerous to human life any warlike activities, including use of military
or property, against any individual, property or force by any sovereign nation to achieve
government, with the stated or unstated economic, geographic, nationalistic, political,
objective of pursuing economic, ethnic, racial, religious or other ends.
nationalistic, political, racial or religious 32. We/Our/Us means nib nz limited.
interests, whether such interests are declared 33. You/Your means the Insured Persons as
or not. Robberies or other criminal acts, specified in the Certificate of Insurance.
primarily committed for personal gain and acts
arising primarily from prior personal *Words in the singular include the plural and vice
relationships between perpetrator(s) and versa.
victim(s) shall not be considered Terrorist Acts.
Terrorism shall also include any act which is GENERAL EXCLUSIONS - APPLICABLE TO ALL
verified or recognised by the (relevant) SECTIONS
Government as an act of terrorism.
We will not pay under any Section of this Policy for
27. Total Disablement means disablement
any claim arising directly or indirectly out of:
which c o n t i n u e s for 12 consecutive
1. Air Travel except as a passenger in any
months and at that time is certified by a
properly licensed passenger carrying aircraft.
Medical Practitioner as being beyond hope of
This does not apply to hot air ballooning.
improvement which results in Your complete
2. (a) Pregnancy, childbirth, infertility, abortion or
inability to engage in or attend to any gainful
birth control if the pregnancy existed at the
employment for which You may become
time the Policy was issued.
through rehabilitation and retraining reasonably
(b) Pregnancy, childbirth, infertility, abortion or
qualified to perform by reason of education,
birth control if the pregnancy commenced
training or experience.
after the Policy was issued, except where
28. Travel/Travelling means for the purpose of
such costs are incurred because of
this Policy:
unexpected medical complications or
(a) Travel undertaken by You during the
emergencies that occur up to and including
Period of Insurance to study, travel and
the 20th week of pregnancy.
temporarily reside in New Zealand.
(c) Infertility or birth control.
(b) In respect of Section 2(5) specifically
3. In respect to a child born during the Period of
relating to money acquired for the Travel,
Insurance We will not pay for post natal care or
72 consecutive hours prior to the loss and
for any amount in excess of $100,000 under
following payment of the premium to Us.
section 1A for the treatment of condition(s)
(c) In respect to all other sections from the
existing prior to or at birth.
time You depart Your Country Of Origin for
4. Sexually transmitted disease or Acquired
commencement of the Travel; and
Immune Deficiency Syndrome (AIDS) or Human
continues until:
Immunodeficiency Virus (HIV) infection except
(i) You return to Your Country Of Origin,
as provided under Section 1A1(d) (Medical
other than as provided by Automatic
Expenses: Sexual Health Consultation ).
Extension 1(c)
5. Hunting, racing (other than on foot), playing
(ii) the expiration of the Period of
polo, professional sport, mountaineering, rock
Insurance (unless renewed)
climbing using ropes or climbing equipment,
(iii) the Policy’s cancellation date;
pot holing, motorcycling unless the total engine
whichever occurs first.
capacity of the motorcycle is 200cc or less (a
29. Ultimate Net Loss means the final amount
motorcycle licence must also be held at the
of Ransom cost less any recoveries. If
time and place where the claim occurred),
following Our payment part or all of the
skydiving (unless under the supervision of a
Ransom is recovered You are required to
qualified instructor), hang-gliding, ocean
reimburse Us the value of the amount so
yachting (unless cover has been approved by
recovered.
us), or deliberate exposure to exceptional
30. Unforeseen means sudden, unexpected,
danger, including Hazardous pursuits.
and unintended.
1 January 2019 Page 7 INBOUNDPDNZSTU 6.46. Radioactive contamination or radioactivity in any (d) Any diagnostic or treatment outside of New
form whatsoever whether occurring naturally or Zealand;
otherwise. (e) Surgical or radiography procedures;
7. War, civil war, invasion, insurrection, revolution, (f) Cat scans or CT scans;
use of military power or usurpation of (g) Prosthetics;
government or military power. (h) Incurred for tests, vaccinations or health
8. Intentional use of military force to intercept, screening for immigration/visa requirements.
prevent, or mitigate any known or suspected
Terrorist Act. 21. Reinstatement, replacement, loss or damage to any
9. Any Terrorist Act. electronic data or software including any
Note: Exclusions 8 and 9 do not apply to consequential loss
Sections 1A, 1B2(a), 1B2(b), 1B4, 1B5(a) and
1B5(b). SECTION 1A: MEDICAL AND RELATED EXPENSES
10. You Travelling against medical advice or when
You are medically unfit to Travel. 1. MEDICAL EXPENSES:
11. Travel undertaken for the purpose of receiving We will reimburse You for all reasonable
medical treatment (whether or not this was the Medical Expenses incurred for the treatment of
sole purpose for such Travel) unless agreed to an Injury or Sickness suffered during the Period
by Us prior to the departure date for the Travel. of Insurance including the costs associated
12. Depression, stress, anxiety, mental or nervous with medical evacuation which has been
disorder, suicide or attempted suicide or self- approved by Us.
Injury, except as detailed under sections Please note: The maximum amount We will pay
1A1(c), 1B(2), 1B(4), & 1B(5)(b). under this section for Alternative Medical
13. Diving underwater using an artificial breathing Treatment is $500 for each 12 month period
apparatus unless You hold an open water diving beginning on the commencement date shown
license or You were diving under licensed on the Certificate of Insurance.
instruction. (a) DENTAL:
14. Manual or hazardous Work (except of an We will reimburse You for the cost of
academic nature) unless We have agreed to treatment for:
their inclusion. (i) Injury (as defined) to teeth.
15. You being under the influence of alcohol and/or (ii) The initial consultation for the relief of
drugs, except for costs as specified under sudden and acute pain using
section 1B(2) & 1B(4) up to a maximum sum antibiotics, temporary dressings or
insured of $10,000. extraction, however We will not pay for
16. You engaging in any activity associated with any elective treatment or Normal
criminal act. Maintenance.
17. Government intervention. Normal Maintenance: includes fillings,
Nor will We provide cover or service for; root canals, polishing and scaling, wisdom
18. Any loss, injury, damage or legal liability arising teeth extractions, replacement due to Loss
directly or indirectly from travel in, to or through of dental bridges, restoration work, caps,
Cuba. crowns, precious metal costs or pins and
19. Any loss, injury, damage or legal liability suffered fittings, periodontal, titanium implants or any
or sustained directly or indirectly by an insured dental work resulting from lack of regular
person if that insured person is: dental maintenance and/or hygiene.
(a) a terrorist; (b) OPTICAL:
(b) a member of a terrorist organisation; Provided Your Policy is issued for a period
(c) a narcotics trafficker; or of six months or more We will reimburse
(d) a purveyor of nuclear, chemical or biological You up to a maximum of $300 per year for
weapons. a visit to an optometrist including the cost
20. Sexual Health Consultation expenses that are: of spectacle frames, prescription lenses
(a) Routine smear tests; and contact lenses if:
(b) Contraception or condoms; (i) Your optical aids are lost, stolen or
(c) Blood tests; damaged; or
1 January 2019 Page 8 INBOUNDPDNZSTU 6.4(ii) You require lenses as a result of a (a) You having to return to Your Country Of
change in vision; or Origin during the Period of Insurance due
(iii) You have never previously required to the Unforeseen death, Serious Injury or
optical aids. Serious Sickness of a Relative, close
business associate or Travelling
(c) MENTAL ILLNESS: companion, provided that such a person is
Subject to a limit of $20,000, We will under 76 years of age.
reimburse You for all reasonable Medical (b) You suffering an Injury or Sickness during
Expenses incurred for the treatment of the Period of Insurance.
Depression, stress, anxiety, mental or (c) any other Unforeseen circumstance not
nervous disorder, suicide or attempted covered elsewhere in the Policy which is
suicide or self-injury. outside Your control other than those
(d) SEXUAL HEALTH CONSULTATION circumstances described in (a) & (b) above
Provided Your Policy is issued for a period or specifically described elsewhere in the
of six months or more we will pay the costs Policy.
incurred, to a maximum of $100, for one Note: General Exclusion 12 does not apply to this
Sexual Health Consultation and benefit. Payment is subject to Our prior written
subsequently required prescription costs, agreement. General Exclusion 15 does not apply to
per calendar year of insurance whilst in New this benefit. Payment is subject to Our prior written
Zealand. agreement and a maximum limit of $10,000.
2. CONTINUING TREATMENT 3. EXPATRIATION
Following your permanent return to your If You wish to resume Your original trip
Country of Origin, We will also pay for Your following a valid claim under item 2:
continuing treatment, to a maximum of (Repatriation and Cancellation) above, We will
$20,000, always provided any costs covered pay the reasonable additional costs of
under this Section are incurred within 12 economy class air fares to return You to the
months from the date of your first valid claim same location and position You were in prior to
relating to the injury, illness or disease. Your claim.
Provided:
SECTION 1B: ADDITIONAL EXPENSES (a) Your Expatriation takes place within six
months of the date of loss recorded on
1. LOSS OF DEPOSITS Your claim for item 2 and,
We will reimburse You the non-recoverable (b) at least 28 days of the original Period of
unused portion of Travel, accommodation, Insurance was remaining when the event
educational fees or other deposits paid for in that necessitated Your return occurred.
advance by You following cancellation, (c) if Your expatriation is necessary for
alteration or incompletion of the Travel due to: educational purposes such as completing
(a) The Unforeseen death, Serious Injury or examinations, lectures or research
Serious Sickness of a Relative, close commitments or an existing academic
business associate or Travelling course, We may, at our sole discretion,
companion, provided that this person is waive the 28 days requirement of proviso
under 76 years of age. 3(b).
(b) You suffering an Injury or Sickness during
4. ACCOMPANYING RELATIVES
the Period of Insurance.
If You are Hospitalised for a Serious Sickness
2. REPATRIATION AND CANCELLATION or Serious Injury and medical circumstances
We will reimburse You, or pay where We agree dictate, We will pay for the reasonable return air
circumstances necessitate, for the expenses fare (economy class unless otherwise agreed
reasonably and necessarily incurred in addition to by Us), transportation and accommodation
to those already budgeted for or likely to be charges incurred, for up to two of Your
incurred during the Travel but less any refund Relatives to attend You and/or escort You to
on unused prepaid Travel and accommodation Your Country of Origin, or in the event of Your
arrangements, as a result of: death to accompany Your remains back to
1 January 2019 Page 9 INBOUNDPDNZSTU 6.4Your Country of Origin. The maximum sum are liable for such costs under the hire
payable is $100,000. agreement.
(f) TRAVEL DELAY
If You are aged 16 years or under at the time of If Your Travel arrangements are delayed
a medical event arising, You are hospitalised for at least 6 consecutive hours due to
and it is deemed medically necessary by Your any Accidental and Unforeseen cause
attending Medical Practitioner and where We beyond Your control We will pay for Your
have agreed prior to the costs being incurred reasonable extra costs necessarily
We will pay the reasonable return air fare incurred due to the delay, including the
(economy class unless otherwise agreed to by costs of meals, which are not recoverable
Us), transportation and accommodation from any other source.
charges incurred for one parent or legal (g) SEARCH AND RESCUE
guardian of Yours to attend You. The maximum If you go missing in New Zealand or
sum payable is $2,500 overseas (but not in your Country of
Origin), as a direct result of natural
Note: General exclusions 2, 12 & 15 do not disaster or while undertaking an outdoor
apply to this benefit and payment is subject to recreational activity during the Period of
Our prior written agreement. Insurance, we will contribute up to
$10,000 towards the cost of a private
5. Other Benefits and Expenses (Refer to
search for You, actually and necessarily
Schedule of Benefits for Amounts Payable). We
incurred on Your behalf, provided that:
will pay You:
(i) The search is approved by the relevant
(a) IN HOSPITAL CASH local authorities;
A cash benefit of $100 for every (ii) The search begins within 72 hours of
continuous 24 hour period You are the local official notification that You are
confined to Hospital as an in-patient due missing; and
to Injury or Sickness. (iii) You have not ignored any official advice
(b) FUNERAL EXPENSES given to You to stay out of the area.
The reasonable cost of returning Your
remains to Your Country of Origin or the
reasonable funeral and related costs if EXCLUSIONS APPLYING TO SECTIONS 1A AND 1B
the body is buried or cremated at the We will not pay for:
place of death in the event You die during 1. Charges You incur if You fail to return to Your
the Period of Insurance. General Country of Origin or to an alternative location at
Exclusions 2, 12 & 15 do not apply to this Our direction once You may, in the opinion of
benefit and payment is subject to Our prior Our medical adviser, have safely undertaken to
written agreement. do so or after You fail to follow Our advice or
(c) FALSE ARREST EXPENSES instruction.
The reasonable legal costs actually and
necessarily incurred by You as a result of 2. Expenses relating to the continuation or
Your false arrest or wrongful detention, maintenance of any course of treatment You
during the Period of Insurance, by any were receiving prior to the commencement of
legally recognised foreign Government. Insurance or replenishment of prescribed
(d) HIJACK CASH medications being taken by You prior to Your
A cash benefit for every continuous 24 departure from Your Country of Origin, unless
hour period that You are detained as a the prescribed medication was lost or damaged.
result of the public transport in which You 3. Expenses arising from elective surgery or
are Travelling being hijacked. elective medical treatment, unless otherwise
(e) RENTAL VEHICLE RETURN agreed in writing by Us.
The reasonable costs incurred in
returning Your Rental Vehicle to the 4. Any expenses incurred more than 12 calendar
nearest Rental Vehicle depot if You are months after the date of Injury or, in the case of
unable to return it Yourself due to Your Sickness, more than 12 calendar months after
Illness, Injury, or death, but only where You the date on which the first Medical Expense is
1 January 2019 Page 10 INBOUNDPDNZSTU 6.4incurred or the expiry of the Policy whichever SECTION 2: LUGGAGE, PERSONAL EFFECTS,
occurs last. TRAVEL DOCUMENTS, MONEY AND CREDIT
CARDS
We will pay You should any of the events described
below occur during the Period of Insurance:
5. Any Pre-existing Condition that has not been
declared and noted on the Certificate of 1. LOST OR DAMAGED PROPERTY
Insurance as an Insured Pre-existing Condition For accidental loss of or damage to Your
except as detailed under Sections 1A1(c), 1B(2), accompanied luggage, personal effects,
1B(4) and 1B(5)(b). Technology Items which You use during the
6. Disposable contact lenses. Period of Insurance (including papers,
specifications, manuscripts and stationery for
7. Any claim arising from: their face value only).
(a) Cancellation, curtailment or diversion of
2. DEPRIVATION OF LUGGAGE
scheduled public transport services,
including by reason of strikes or other For emergency replacement of essential
industrial action, if there had been warning luggage if Your luggage is delayed, misdirected
in the news media or current notifications or temporarily misplaced by any carrier for
in the local Government or New Zealand more than 8 consecutive hours. Claims must
Government (MFAT) “Country Warning” be supported by written confirmation from the
web sites, before the date the Travel was carrier responsible and receipts for the
booked, that such events were likely to replacement items You needed to purchase.
occur. Claims are limited to a maximum of $1,000 for
(b) Carrier caused delays where the costs are an individual or a Family.
recoverable from the carrier.
3. REPLACEMENT OF TRAVEL DOCUMENTS
(c) Any business or financial or contractual
obligation or commitment of You or of any For the non recoverable cost of replacing Travel
other person on whom the Travel depends. documents, credit cards and Travellers
(d) Any change of plans or disinclination to cheques accidentally lost or damaged.
Travel on Your part or of any other person 4. UNAUTHORISED USE OF TRAVEL
on whom the Travel depends. DOCUMENTS
(e) The inability of any tour operator or
wholesaler to complete arrangements for For Your legal liability for payment arising out of
any tour due to a deficiency in the required the unauthorised use of Your Travel
number of persons to commence any tour documents, credit cards or Travellers cheques
or journey. which are stolen during the Period of Insurance
(f) The refusal, failure or inability of any by any person other than You, Your Relative or
person, company or organisation, Travelling companion, limited to $5,000.
including but not limited to any airline, other 5. MONEY
transportation provider, hotel, car rental For accidental loss of cash, bank or currency
agency, tour or cruise operator, travel notes, cheques, postal or money orders or other
wholesaler, booking agent or other provider negotiable instruments taken with You.
of travel or tourism related services, Maximum payable is $1,000.
facilities or accommodation, to provide
services, facilities or accommodation, by
reason of their own Financial Default or the 6. FIRE DAMAGE
Financial Default of any person, company Subject to any applicable limit set out in this
or organisation with whom or with which section, in the event of any loss caused by or
they deal. arising from fire, the maximum amount payable
8. More than one repatriation transit in relation to for any claim during the Period of Insurance is
the same Relative, condition or event. $12,000. The automatic reinstatement condition
shall not apply to any claim under this clause.
1 January 2019 Page 11 INBOUNDPDNZSTU 6.4Please note: In regard to Section 2.1, the maximum EXCLUSIONS
amount We will pay for any one item, set or pair of We will not pay for:
items is $2,500 unless the item, set or pair of items
is specified on the Certificate of Insurance and the 1. Scratching or breakage of fragile or brittle items.
additional premium has been paid. The limit for any 2. Damage or loss arising from wear and tear,
specified item, set or pair of items is $5,000 with a deterioration, atmospheric or climatic conditions,
maximum for all specified items of $30,000. In the mould or fungus, insects, rodents, vermin, or any
event of a claim You must be able to support Your process of cleaning, ironing, pressing, repairing,
claim with receipts or valuations. restoring or alteration.
3. Any item(s) shipped under a freight agreement,
BASIS OF SETTLEMENT UNDER THIS SECTION sent by a postal or courier service, or purchased
For payment under this section We have the option, over the internet.
at Our sole discretion, to:
(a) p a y the replacement cost of the item(s) being 4. Losses due to depreciation or devaluation of
claimed; or currency.
(b) choose to repair or replace the item(s) being 5. Loss or damage arising from the confiscation or
claimed; or destruction by Customs or any other authority.
(c) pay the depreciated value of the items being
claimed; or 6. Household furniture or household appliances
being used by You for domestic use and non
(d) pay You an amount that covers Your loss, being
portable Technology Item(s). or electronic
the lesser of Our reasonable cost to replace the
equipment.
item with an item that is of equivalent age, general
condition, quality and capability or the cost of 7. Damage to sporting equipment including
indemnifying you under a), b) or c) above. surfboards, sailboards, boogie boards and
bicycles whilst in use.
CONDITIONS 8. The first $200 for any Technology Item(s) and the
1. It is a condition of payment under this Section first $100 for any other claim under this section
that all losses including damage attributable to of the Policy.
theft or vandalism be reported to the local police 9. More than $10,000 in total for any claim under
or appropriate authority as soon as possible after this Section in respect of insured items left in a
the discovery of the loss and a written vehicle.
acknowledgement of the report obtained. Also
any loss of credit cards, Travellers cheques or 10. The first $12,000 for losses or damage due to a
natural disaster (as defined in the Earthquake
Travel documents must be reported as soon as
Commission Act 1993) limited to a policy year
possible to the issuing authority and the
period.
appropriate cancellation measures taken.
2. (a) You shall take all reasonable precautions
for the packaging, safety and supervision
of any Technology Item(s),portable
electronic property, personal effects,
Travel documents, money and credit
cards.
(b) You must not leave any item(s) unlocked or
unattended in a Public Place or in any
unlocked and unattended building or
vehicle at any time, nor in a vehicle
overnight.
(c) You must secure Technology Item(s) and
portable electronic property in a locked
premise, safe or strongroom or out of sight
in a locked vehicle and carry such items as
personal hand luggage.
1 January 2019 Page 12 INBOUNDPDNZSTU 6.4SECTION 3: MISSED TRANSPORT CONNECTION SECTION 4: DEATH OR DISABLEMENT BY INJURY
We will pay the cost of additional scheduled public 1. DESCRIPTION OF COVER
transport services if due to an Unforeseen In the event of an Injury resulting in Your death
circumstance occurring during the Period of or Total Disablement whilst travelling during the
Insurance and outside Your control You miss a Period of Insurance, or within 12 calendar
transport connection and are required to make months of the Injury, we will pay the
alternative arrangements to arrive at a special event compensation listed under the Schedule of
such as school examination, or start of the school Benefits Payable.
year which cannot be delayed because of Your late
arrival. (i) EXPOSURE
We will pay the compensation listed under the
Schedule of Benefits Payable if as a result of an
EXCLUSIONS
Injury You are exposed to the elements and as
We will not pay for: the result of that exposure within 12 calendar
1. Any missed transport connection arising from months suffer death or Total Disablement.
any business or financial or contractual (j) DISAPPEARANCE
obligation or commitment of You or of any other If Your body is not found within 12 calendar
person on whom the Travel depends. months after an accident involving the
(e) Claims arising from the inability of any tour conveyance in which You were Travelling, death
operator or wholesaler to complete will be presumed in the absence of any evidence
arrangements for any tour due to a deficiency in to the contrary.
the number of people required to commence
any tour or journey. CONDITIONS
(f) Claims arising from a special event which could 1. After the occurrence of either of the events, all
have been rescheduled to a later time to cover under this Section shall cease.
coincide with Your late arrival.
(k) Benefits shall not be payable for more than one
(g) Any change of plans or disinclination to Travel on of the events.
Your part or of any other person on whom the
Travel depends. (l) Benefits payable to financially dependent
children and/or legal wards 18 years of age and
(h) Claims arising from industrial disputes that You under Travelling under a Family Policy shall only
were aware of prior to the commencement date. be entitled to claim under Event 1 (Death) to a
maximum benefit of $10,000.
(m) All Compensation i s payable to You, Your estate
or persons nominated by You.
EXCLUSIONS
We will not pay for any claim which directly or
indirectly arises from or is caused by:
1. Any type of illness, disease, infection or
contagion, even if contracted through an Injury.
This Exclusion shall not apply to medically
acquired infections or blood poisoning.
1 January 2019 Page 13 INBOUNDPDNZSTU 6.4SECTION 5: PERSONAL LIABILITY committed by You, or one of Your employees, or
We will pay all damages, compensation and legal a member of Your touring party.
expenses, up to the benefit specified in the (v) Judgments which are not in the first instance
Schedule of Benefits Payable for which You either delivered by or obtained from a court of
become legally liable during a Period of Insurance competent jurisdiction within New Zealand or
as a result of Your negligence during the Travel the country in which the accident occurred
causing: giving rise to Your liability.
1. Bodily Injury (including death or illness) of (w) Aggravated, exemplary or punitive damages.
another person.
We will not pay:
(n) Loss of or damage to property.
(x) The first $100 of each claim for each loss or
event.
CONDITIONS
It is a condition of payment under this Section that
You do not admit fault or liability to any other person
without Our prior written consent.
EXCLUSIONS
We will not pay damages, compensation or legal
expenses in respect of any liability directly or
indirectly arising out of or in connection with:
1. Bodily Injury (including death or illness) to You
or to any member of Your Family ordinarily
residing with You.
(o) Bodily Injury (including death or illness) to any of
Your employees arising out of or in the course of
employment.
(p) Loss of or damage to property owned by or in
the control of You or any member of Your Family
ordinarily residing with You.
(q) Loss of or damage to property that is in Your
custody or control (unless it is accidental loss of
or damage to property owned by Your education
provider, landlord or homestay, in which case
We will pay up to a maximum amount of
$500,000).
(r) Loss of or damage to property or bodily Injury
(including death or illness), arising out of Your
ownership, use or possession of any
mechanically propelled vehicle, aircraft or water-
borne craft.
(s) Loss of or damage to property or bodily Injury
(including death or illness) arising out of Your
business or trade or occupation, or out of
professional advice given by You.
(t) Any contract unless such liability would have
arisen in the absence of that contract.
(u) Loss or damage or bodily Injury (including death
or illness) arising from a criminal or illegal act
1 January 2019 Page 14 INBOUNDPDNZSTU 6.4SECTION 6: KIDNAP AND RANSOM (bb) If investigation establishes collusion or fraud by
We will pay if You are Kidnapped: You, You must reimburse Us for any payment We
have made under this Section.
1. The Ultimate Net Loss of Ransom paid by You,
or Your representative, following the Kidnapping
of You during the Period of Insurance. EXCLUSIONS
(y) The reasonable expenses, actually and We will not pay:
necessarily incurred following receipt of a 1. If You have:
Ransom demand after the Kidnapping of You (a) had kidnap insurance declined, cancelled
during the Period of Insurance, for: or issued with special conditions in the past;
(a) The fees and expenses of a security (b) suffered a Kidnapping or attempted
consultant retained as the result of such a Kidnapping in the past;
demand provided We have given Our (c) had an extortion demand made against You
consent to the appointment of the security in the past.
consultant.
(b) interest paid on monies borrowed from a (cc) For Kidnapping occurring in Mexico or in any
financial institution for the purpose of paying country located in Central or South America or in
Ransom. The amount We will pay will be any Nation State where the United Nation armed
for a term not exceeding from 30 days prior forces are present.
to the payment of the Ransom until the first
business day after settlement from Us, on
a principal sum not exceeding $250,000,
and for a rate of interest not exceeding 2% SECTION 7: RENTAL VEHICLE COLLISION
DAMAGE AND THEFT EXCESS COVER
above the contemporary overdraft interest
rate changed by the ANZ Banking Group We will reimburse You for any excess, deductible,
(New Zealand) Limited. or costs within the excess or deductible, for which
(c) any other expenses which are incurred for You become legally liable to pay, limited to the sum
the purpose of investigating, negotiating, or listed in the Schedule of Benefits Payable, during the
paying a Ransom demand or recovering Period of Insurance in respect of loss or damage to
You. a Rental Vehicle during the rental period.
CONDITIONS CONDITIONS
It is a condition of payment under this Section that: 1. The Rental Vehicle must be rented from a
1. You must keep this insurance cover confidential. licensed rental agency.
(z) We will not act as an intermediary or negotiator for (dd) As part of the hiring arrangement You must take
You, nor will We offer direct advice on dealing up the Rental Organisation’s comprehensive
with the Kidnapper. motor insurance for the duration of the rental
period.
(aa) On advice that You have or may have been
Kidnapped, it will be necessary to: (ee) You must comply with all of the requirements of
the rental organisation under the hire agreement
(a) determine whether You have been
and of the insurer under the insurance.
Kidnapped;
(b) notify the appropriate law enforcement
agency and comply with their EXCLUSIONS
recommendations and instructions; We will not pay for:
(c) give Us immediate notification of the
1. Loss or damage arising from the operation of
Kidnapping or suspicion of it;
the Rental Vehicle in violation of the terms of the
(d) record the serial numbers or other
rental or insurance agreement.
identifying characteristics of any currency or
goods delivered to secure the release of (ff) Wear and tear, gradual deterioration, damage
You. from insects or vermin, inherent vice or damage.
1 January 2019 Page 15 INBOUNDPDNZSTU 6.4CLAIMS AND EMERGENCY ASSISTANCE CONTACTS
Toll free in New Zealand: 0800 864 227 (0800 UNICARE)
Toll free in Australia: 1800 864 227 (1800 UNICARE)
Outside New Zealand and Australia: +64-4-381 8166 (collect)
Claims: claims@crombie.co.nz Assistance: EmergencyAssistance@nib.com.au
If an emergency arises or you require assistance, contact the Assistance Service immediately to
ensure that delays do not occur which might compromise their ability to act on Your behalf.
When you have completed a claim form, post it to the address shown on the form. Include Your
insurance policy number, receipts and other documentation necessary to support Your claim.
Uni-Care, Crombie Lockwood (NZ) Ltd
PO Box 68644 Newton Auckland 1145, New Zealand
Telephone: +64 9 362 4039
Website: www.uni-care.org Email: insure@uni-care.org
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
Rating Description
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
________________________________________
January 2019 INBOUNDPDNZSTU 6.4
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