Important Matters

• You are a citizen or permanent Resident of New Zealand
• You purchase your policy before you commence your Journey
• Your Journey commences and ends in New Zealand

Plan F
Cover is only available if:

• You are not a Resident of New Zealand
• You purchase your policy before you commence your Journey
• Your Journey consists of one-way travel only to your Country of Residence from New Zealand

Plan G
Cover is only available if:

• You are a citizen or permanent Resident of New Zealand
• You purchase your policy while you are Overseas
• Your one-way Journey commences Overseas and ends in New Zealand

• Cover for cancellation fees and lost deposits begins from the time the policy is issued
• Cover for all other Sections begins on date of departure (Start Date) as stated on the Certificate of Insurance
• Cover ends when you return to your home or on the date of return set out on your Certificate of Insurance, whichever happens first

The maximum period of cover for any one journey under the Annual Frequent Traveller Plans (Plans D & E) is 37 days per leisure Journey and 90 days per business Journey. The maximum period of cover for any one Journey cannot exceed a total of 90 days.

Plan F

• Cover for cancellation fees and lost deposits begins from the time the policy is issued
• Cover for all other Sections begins on date of departure (Start Date) as stated on the Certificate of Insurance
• Cover ends when you arrive at any immigration counter in your Country of Residence or on the end date set out on your Certificate of Insurance, whichever happens first. Refer to page 15 of the Policy Wording for the definition of “Journey”

Plan G

• Cover for cancellation fees and lost deposits begins from the time the policy is issued
• A waiting period of 7 days applies from the Start Date on your Certificate of Insurance for all claims arising from or related to Injury or Sickness, regardless of the Policy Section that applies to the claim. This means that you are not covered for medical expenses, cancellation costs, additional expenses, hospital cash allowance or travel delay expenses, arising from or related to any Injury or Sickness which happens within 7 days of the Start Date on your Certificate of Insurance
• There is no cover for Pre-existing Medical Conditions
• Cover ends when you arrive at any immigration counter in New Zealand or on the end date set out on your Certificate of Insurance, whichever happens first.

• If a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage, is delayed; or
• If the delay is due to a reason for which you can claim under your policy, cover will be extended free of charge subject to our approval.

If the delay is for any other reason, you must request the extension at least 7 days before your original policy expires and we must agree to this in writing.

The maximum period of cover is 12 months. If we extend cover, we will issue you with a new policy and Certificate of Insurance. The maximum total term of cover (the original policy plus any new policy) is 24 months.

An extension of cover is not provided:

• for Pre-existing Medical Conditions previously accepted by us in writing;
• for any medical conditions you suffered during the term of your original Policy;
• if you are 66 years and over at time of extension; or
• where you have not advised us of any circumstances that have or may give rise to a claim under your original policy.

Cooling-Off Period :
If you decide that you do not want this policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and Policy Wording, and you will be given a full refund of the premium you paid, provided you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy.

After this period you can still cancel your policy but we will not refund any part of your premium if you do.

A material fact is one that may influence a prudent insurer in deciding whether or not to accept the cover and, if so, on what terms and conditions and for what premium.

Examples of information you may need to disclose include:

• anything that increases the risk of an insurance claim;
• any criminal conviction or offence;
• if another insurer has cancelled or refused to insure or renew insurance, has imposed special terms, or refused any claim;
• any insurance claim or loss made or suffered in the past.

These examples are a guide only. If there is any doubt as to whether a particular piece of information needs to be disclosed, this should be referred to Allianz.

Non-disclosure
If you fail to comply with your Duty of Disclosure, the consequences may be serious. We may be entitled to avoid this policy or reject any claim under it.

Insurance and Savings Ombudsman Service (IOS)
PO Box 10-845, Wellington 6143, New Zealand
Freephone: 0800 888 202
Telephone: +64 (04) 499 7612
Fax: +64 (04) 499 7614
Website: www.iombudsman.org.nz
E-mail: info@iombudsman.org.nz

PLEASE NOTE: For claims purposes, evidence of the value of the property insured or the amount of any loss must be kept.

Plan B & I
A NIL Excess applies to all Sections.

If any additional Excess applies to your policy, the amount is shown in the Certificate, Pre-existing Medical Conditions Letter, or advised to you in writing before the Certificate is issued to you.

Safeguarding Your Luggage and Personal Effects:
You must take all reasonable precautions to safeguard your Luggage and Personal Effects. If you leave your Luggage and Personal Effects Unsupervised in a Public Place we will not pay your claim. (For an explanation of what we mean by “Luggage and Personal Effects”, “Unsupervised” and “Public Place” see pages 31 to 33 of your Policy Wording).

Claims Processing :
We will process your claim within 10 business days of receiving a completed claim form and all necessary documentation. If we need additional information, a written notification will be sent to you within 10 business days.

Privacy Notice :
To arrange and manage your travel insurance, we (in this Privacy Notice “we”, “our” and “us” includes Allianz Global Assistance and its agents) collect personal information from you and others (including those authorised by you such as your doctors, hospitals and persons whom we consider necessary).

Any personal information you provide is used by us to evaluate and arrange your travel 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 services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, research, IT systems maintenance and development, recovery against third parties and for any other purposes with your consent.

This personal information may be disclosed to (and received from) third parties in New Zealand or Overseas involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of such personal information will be provided to third parties for the primary purposes stated above. The personal information (but not sensitive information) may also be used for a secondary purpose, but only if you would reasonably expect us to use that information for such secondary purpose.

When you give personal information about other individuals, we and our agents rely on you to have made or make them aware:

• that you will or may provide their information to us;
• of the types of third parties to whom the information may be provided to;
• of the relevant purposes we and the third parties we will disclose it to will use it for; and
• of how they can access it.

We rely on you to have obtained their consent on these matters. If you have not done or will not do these things, you must tell us or our agents before you provide the relevant information.

You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your dependants under 16 years.

If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal
information, we will give you reasons why.

You Can Choose Your Own Doctor :
You are free to choose your own Medical Adviser or we can appoint an approved Medical Adviser to see you, unless you are treated under a Reciprocal Health Agreement.

You must, however, advise Allianz Global Assistance of your admittance to hospital or your early return to your Country of Residence based on medical advice.

If you do not get the medical treatment you expect, Allianz Global Assistance can assist you but neither Allianz nor Allianz Global Assistance are liable for anything that results from that.

Oversea Hospitalisation And Medical Evacuation :
For emergency assistance anywhere in the world at any time, Allianz Global Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation Home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency.

If you are hospitalised you, or a member of your Travelling Party, MUST contact Allianz Global Assistance as soon as possible. If you do not, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us (see pages 36 to 38 of your Policy Wording).

If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000 you MUST contact Allianz Global Assistance.

Please note that we will not pay for any costs incurred in New Zealand