ZUJI TRAVEL INSURANCE NEW ZEALAND Policy Wording Effective November Contents by dontyouknowme

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									ZUJI TRAVEL INSURANCE – NEW ZEALAND
Policy Wording




                     Effective 1 November 2007
| Contents                                         | Our Policy Wording
                                                   This policy wording contains information designed to help you
                                                   decide whether to buy the policy.
                                                   ABOUT THE AVAILABLE COVERS
                                                   You can choose one of these 5 plans:
                                            Page   PLAn A – Comprehensive (includes benefit sections 1 to 16)
                                                   PLAn B – New Zealand Only (includes benefit sections 1, 4, 6,
Our Policy Wording                                          11, 13, 15 & 16)
                                                   PLAn C – Medical Protection (includes benefit sections 2, 3, 6
                                                             & 15)
Summary of Benefits                           3
                                                   PLAn D – Cancellation Only (includes benefit section 1 only)
                                                   PLAn E – Frequent Traveller Cover (includes benefit Sections 1 to
Additional Options                            5              16 whilst travelling internationally and Sections 1, 4 and
                                                             6 to 16 whilst travelling in New Zealand which involves
                                                             an interstate destination or intrastate destination
Table of Benefits                             6
                                                             (minimum of 100kms from home))
                                                   UnDERSTAnDInG YOUR POLICY AnD ITS IMPORTAnT TERMS
About this Policy Wording                     8    AnD COnDITIOnS
                                                   To properly understand this policy’s significant features, benefits
Important Matters                             9    and risks you need to carefully read:
                                                   • About each of the available types of cover and benefits in the
                                                     “Summary of Benefits” pages 3 to 4 and the relevant sections
Words with Special Meanings                  3      of the policy wording applicable to the cover you choose
                                                     including any endorsements under “Additional Options” page 5
Your Policy Cover                            5      (remember certain words have special meanings – see “Words
                                                     with Special Meanings” pages 13 to 15);
                                                   • When “We Will Not Pay” a claim under each policy section
Your Policy Wording                          7      applicable to the cover you choose and “General Exclusions
                                                     Applicable to all Sections” pages 31 to 33 (this restricts the
General Exclusions Applicable to all Sections 3     cover and benefits);
                                                   • “Claims” pages 34 to 35 (these set out certain obligations that
                                                     you and we have. If you do not meet them we may be able to
Claims                                       34      refuse to pay a claim); and
                                                   • “Important Matters” pages 9 to 12 (this contains important
Health Tips                                  36      information on your duty of disclosure, how the duty applies to
                                                     you and what happens if you breach the duty, your cooling off
                                                     period/money back guarantee, confirmation of your cover, our
Contact Details                     Back Page        privacy policy and our dispute resolution process, extension
                                                     of your policy, your policy excess, when you can choose your
                                                     own doctor and when you should contact us concerning 24
                                                     hour medical assistance, overseas hospitalisation or medical
                                                     evacuation.)
                                                   APPLYInG FOR COVER
                                                   When you apply for the policy by completing our application we
                                                   will confirm with you things such as: the period of insurance,
                                                   your premium, what cover options and excesses will apply, and
                                                   whether any standard terms need to be varied (this may be
                                                   by way of an endorsement). These details are recorded in the
                                                   Certificate of Insurance we issue to you.


                                                                                    
This policy document sets out the cover we are able to provide
you with. You need to decide if the benefit limits, type and level of   | Summary of Benefits
cover are appropriate for you and will cover your potential loss.
                                                                        This is only a summary of the benefits. Please read the policy wording
You should also read “Claims” pages 34 and 35 to understand             carefully for the complete details of “We Will Pay” and “We Will not Pay” and
how GST is applied to a claim.                                          which types of cover are provided under each Plan. Importantly, please note
                                                                        that exclusions do apply as well as limits to the cover.
If you have any queries, want further information about the
policy or want to confirm a transaction, please use the Mondial         SECTIOn     
Assistance contact details on the back cover of this policy                   CAnCELLATIOn FEES AnD LOST DEPOSITS (pg. 17 & 18)
document.                                                                     Cover for cancellation fees and lost deposits for pre-paid
                                                                              travel arrangements due to unforeseen circumstances
ABOUT YOUR PREMIUM
                                                                              neither expected nor intended by you or which are outside
You will be told the premium payable for the policy when you
                                                                              your control, such as: – Sickness – Accidents – Strikes
apply. It is based on a number of factors such as your risk profile
                                                                              – Collisions – Retrenchment – Natural Disasters.
and distribution costs. Factors such as your destination(s), length
of journey and number of persons covered, your risk profile. The        SECTIOn     
higher the risk the higher the premium.                                       OVERSEAS EMERGEnCY MEDICAL ASSISTAnCE,
                                                                              MEDICAL EVACUATIOn OR FUnERAL EXPEnSES (pg. 18 & 19)
Your premium also includes amounts that take into account our
                                                                              Cover for emergency medical assistance including:
obligation to pay any relevant compulsory government charges,
                                                                              – 24 Hour Emergency Medical Assistance – Ambulance
taxes or levies (e.g. GST) in relation to your policy.
                                                                              – Medical Evacuations – Funeral Arrangements
These amounts will be set out separately in your Certificate of               – Messages to family – Hospital Guarantees.
Insurance as part of the total premium.
                                                                        SECTIOn     3
RELATIOnSHIP WITH YOUR InSURER                                                OVERSEAS EMERGEnCY MEDICAL AnD
ETI Australia Pty Ltd has been authorised by Allianz New Zealand              HOSPITAL EXPEnSES (pg. 19 & 20)
Limited (the Insurer) to enter into and arrange the policy and deal           Cover for overseas medical treatment if you are injured
with and settle any claims under it, as the agent of the Insurer,             or become sick overseas, including: – Medical – Hospital
not as your agent. ETI Australia Pty Ltd acts under a binder                  – Surgical – Nursing – Emergency dental treatment for the
which means that ETI Australia Pty Ltd can do these things as if              relief of sudden and acute pain to sound and natural teeth.
ETI Australia Pty Ltd were the Insurer.
                                                                        SECTIOn     4
COOLInG OFF PERIOD/MOnEY BACK GUARAnTEE                                       ADDITIOnAL EXPEnSES (pg. 20 to 21)
Even after you have purchased your policy, you have cooling off               Cover for additional accommodation and travel expenses
period/money back guarantee rights (see “Important Matters”                   caused by your health problems or someone else’s
pages 9 to 12 for details).                                                   resulting from: – Sickness – Accidental injury – Death.
UPDATInG THE POLICY WORDInG                                                   Also cover for travelling companion or relatives
We may need to update this policy wording from time to time if                accommodation and travel expenses to travel to,
certain changes occur where required and permitted by law. We                 stay near or escort you resulting from: – Hospitalisation
will issue you with a new policy wording to update the relevant               – Medical Evacuation.
information except in limited cases. Where the information is           SECTIOn     5
not something that would be materially adverse from the point                 HOSPITAL CASH ALLOWAnCE (pg. 22)
of view of a reasonable person considering whether to buy this                An allowance of $50 per day if you are hospitalised whilst
product, we may issue you with notice of this information in other            overseas for more than 48 continuous hours.
forms or keep an internal record of such changes. You can get a         SECTIOn     6
paper copy free of charge by calling us.
                                                                              ACCIDEnTAL DEATH (pg. 23)
DATE PREPARED                                                                 A Death Benefit is payable if you die because of accidental
This policy wording is effective 01 November 2006 and remains                 bodily injury sustained during your journey within 12 months
valid until a further policy wording is issued to replace it.                 of that injury.
                                                                        SECTIOn     7
                                                                              PERMAnEnT DISABILITY (pg. 23)
                                                                              A Permanent Disability Benefit is payable for total loss of
                                                                              sight in one or both eyes or loss of use of a hand or foot
                                                                              within 12 months of, and because of, an injury sustained
                                                                              during your journey.



                                                                                                             3
SECTIOn   8
    LOSS OF InCOME (pg. 24)
                                                                    | Additional Options
    A weekly Loss of Income Benefit is payable if, due to an
                                                                    AGE LIMITS AS AT DATE OF CERTIFICATE ISSUE
    injury sustained during your journey, you are unable to work
                                                                    Plans A & B - For travellers under 81 years of age.
    after your return to New Zealand for more than 30 days.         Plans C & D - Not available for travellers aged 76 years and over.
SECTIOn   9                                                         Plan E - Not available for travellers aged 71 years or over.
    TRAVEL DOCUMEnTS, CREDIT CARDS AnD
                                                                    PRE-EXISTInG MEDICAL COnDITIOnS
    TRAVELLERS CHEQUES (pg. 24)
                                                                    This policy provides cover for unforeseen medical events only.
    Cover to replace costs of travel documents lost or stolen       No Pre-existing Medical Conditions are covered. You are not
    from you during your journey, such as: – Passports              covered for any claims that you make that relates to a Pre-
    – Credit Cards – Travel Documents – Travellers Cheques.         existing Medical Condition.
SECTIOn   0                                                        A Pre-existing Medical Condition means:
    THEFT OF CASH (pg. 25)                                          a]     An ongoing medical or dental condition of which you are
    Cover for the following items stolen from your person,                 aware, or related complication you have, or the symptoms
    up to $250 for all claims combined: – Bank Notes – Cash                of which you are aware;
    – Currency Notes – Postal Orders – Money Orders.
                                                                    b]     A medical or dental condition that is currently being, or
SECTIOn                                                                  has been investigated, or treated by a health professional
    LUGGAGE AnD PERSOnAL EFFECTS                                           (including dentist or chiropractor);
    (ADDITIOnAL COVER OPTIOnS AVAILABLE) (pg. 25 to 27)             c]     Any condition for which you take prescribed medicine;
    Cover for replacing luggage stolen or reimbursing repair
                                                                    d]     Any condition for which you have had surgery;
    cost for accidentally damaged items, including:
    – Luggage – Spectacles – Personal Effects                       e]     Any condition for which you see a medical specialist; or
    – Personal Computers – Cameras.                                 f]     Pregnancy.
SECTIOn                                                           Please note: This definition applies to you, your travelling
    LUGGAGE AnD PERSOnAL EFFECTS DELAY EXPEnSES                     companion or a relative.
    (pg. 27)                                                        POLICY EXCESS AMOUnTS
    Cover to purchase essential items of clothing and other         For international policies $100 excess applies to sections 2, 4,
    personal items following luggage delayed, misdirected or        5, 6, 7, 8, 12, 13, 14. For all other sections, the following policy
    misplaced by your carrier for more than 12 hours.               excess apply, plus any other excess amounts we tell you about
SECTIOn   3                                                        in writing.
    TRAVEL DELAY EXPEnSES (pg. 28)                                  Up to 75 years of age - $250 excess for all claims relating
    Cover for additional meals and accommodation expenses           to a medical condition. A nil excess applies for all other claims.
    if your journey is disrupted due to circumstances beyond        Aged 76 years and over - $1,000 excess for all claims relating
    your control after an initial 6 hour delay.                     to a medical condition. A nil excess applies for all other claims.
SECTIOn   4                                                        Please note: the $100 excess can be removed by paying an
                                                                    additional premium of $25. For New Zealand travel only policies,
    ALTERnATIVE TRAnSPORT EXPEnSES (pg. 28)
                                                                    no excess applies.
    Cover for additional travel expenses following transport
    delays to reach events such as: – Wedding – Funeral             InCREASED LUGGAGE AnD PERSOnAL EFFECTS COVER
    – Conference – Sporting Event – Pre-paid travel/tour            Cover for unspecified items is limited to: Computer/Video/
    arrangements.                                                   Camera: $3,000 each item. Other Items: $750 each item.
SECTIOn   5                                                        The maximum benefit payable under section 11 for damage or
    PERSOnAL LIABILITY (pg. 29)                                     permanent loss of unspecified Luggage and Personal Effects
    Cover for legal liability including legal expenses for bodily   is the amount nominated on the Plan selected for all claims
    injuries or damage to property of other persons as a result     combined.
    of a claim made against you.                                    Additional cover can be purchased for specified items (excluding
SECTIOn   6                                                        jewellery) up to a total amount of $5,000 or any one item by
                                                                    paying an additional premium. The premium is $40 per $1000 or
    REnTAL VEHICLE (pg. 30)
                                                                    part thereof, receipts and/or valuations need to be provided.
    Cover for car excess payable on Motor Vehicle Insurance
    resulting from your rental vehicle being: – Stolen – Crashed    Increased Luggage and Personal Effects is not available for
                                                                    Plans C, D or E.
    – Damaged and/or cost of returning rental vehicle due to
    you being unfit.                                                Please note: The General Exclusion Applicable to all Sections
                                                                    of the policy applies regardless of the limit of additional Luggage
                                                                    or Personal Effects cover purchases.

                               4                                                                     5
 Table of Benefits                                     PLAn A
                                                     Comprehensive
                                                                          PLAn B
                                                                        New Zealand
                                                                                       PLAn C
                                                                                       Medical
                                                                                                    PLAn D
                                                                                                   Cancellation
                                                                           Only       Protection      Only

  *1.   Cancellation Fees and Lost Deposits             Unlimited        Unlimited                    $1,000

  *2.   Overseas Emergency
                                                        Unlimited                     Unlimited
        Medical Assistance
   3.   Overseas Emergency Medical                      Unlimited                      $50,000
        and Hospital Expenses
        – Dental Expenses                                  $500                         $500
  *4.   Additional Expenses                              $50,000          $50,000

  *5.   Hospital Cash Allowance                           $5,000

  *6.   Accidental Death                                 $25,000          $25,000      $25,000

  *7.   Permanent Disability                             $50,000

  *8.   Loss of Income                                   $10,400                                                PLAn E
                                                                                                            Frequent Traveller
   9.   Travel Documents, Credit Cards
                                                          $5,000
        and Travellers Cheques                                                                     • Refer to the benefit limits of Plan A
  10.   Theft of Cash                                      $250                                    • Worldwide or Domestic journey
 *11.   Luggage and Personal Effects                                                               • Accompanying spouse/de facto
                                                          $5,000           $5,000
        (additional options available)                                                               and dependant children/grand-
                                                                                                     children under 21 covered free
 *12.   Luggage and Personal Effects
                                                           $250
        Delay Expenses                                                                             • Cover re-instated on the
                                                                                                     completion of each journey
 *13.   Travel Delay Expenses                             $2,000           $2,000
                                                                                                   • Not available for travellers
  14.   Alternative Transport Expenses                    $5,000                                     aged 71 years and over
  15.   Personal Liability                              $5,000,000       $5,000,000   $5,000,000   • Maximum length of any one jour-
                                                                                                     ney is 37 days for leisure travel
 *16.   Rental Vehicle                                    $3,000           $3,000                    and 90 days for business travel.




If you are travelling in the course of your business, please see page
35 for information on how GST may affect your claims. All benefits
are in New Zealand Dollars.
* Sub-limits apply.
** Plan D provides cancellation cover up to the nominated value of
   your holiday, which appears on your Certificate of Insurance.




                               6                                                                       7
| About This Policy Wording                                            | Important Matters
ABOUT THIS POLICY WORDInG                                              Under this policy there are rights and responsibilities which you
This policy wording sets out the cover available and the terms         and we have. You must read this policy in full for more details,
and conditions which apply. You need to read it carefully to make      but here are some you should be aware of:
sure you understand it and that it meets your needs. In particular,
                                                                       WHO CAn PURCHASE THIS POLICY?
read “Important Matters” on pages 9 to 12.
This policy wording, together with the Certificate of Insurance        Under Plans A, B, C, D or E cover is only available for citizens or
and any written endorsements written by us together make up            residents of New Zealand.
your contract with the Insurer. Please retain these documents in       COOLInG OFF PERIOD/MOnEY BACK GUARAnTEE
a safe place.
                                                                       If you decide that you do not want this policy, you may cancel
WHO IS THE InSURER?                                                    it within 14 days of the issue of the Certificate of Insurance. You
This policy is issued and underwritten by Allianz New Zealand          will be given a full refund of the premium you paid, provided you
Insurance Limited (the Insurer).                                       have not started your journey and you do not wish to make a
                                                                       claim or to exercise any other right under the policy.
FInAnCIAL STREnGTH RATInG
Allianz New Zealand Limited has been assigned an Insurer               After this period you can still cancel your policy but we will not
Financial strength rating of:                                          refund any part of your premium if you do.
A – (Strong Financial Security) from Standard & Poors (Australia)      COnFIRMATIOn OF COVER
     Pty Ltd on 8th November 2005
                                                                       To confirm any policy transaction, (if the Certificate of
Standard & Poor’s rating scale is:                                     Insurance does not have all the information you require),
AAA – Extremely Strong Financial Security                              please call Zuji (see contact details on back cover).
AA – Very Strong Financial Security                                    YOUR DUTY OF DISCLOSURE
A – Strong Financial Security                                          When You apply for insurance and whenever You renew or
BBB – Good Financial Security (Adequate)                               alter this policy, You have a duty at law, to disclose to Us all
BB – Marginal Financial Security                                       material facts. You must disclose all material facts to Us as
B – Weak Financial Security                                            soon as You become aware of them. A material fact is one
                                                                       that may influence a prudent insurer in deciding whether or
CCC – Very Weak Financial Security
                                                                       not to accept the cover or renew the policy and, if so, on
C – Extremely Weak Financial Security                                  what terms and conditions and for what premium.
R – Regulatory Action                                                  Examples of information You may need to disclose include:
nR – Not Rated                                                         • anything that increases the risk of an insurance claim;
Plus (+) or minus (–) signs following ratings from “AA” to “CCC”       • any criminal conviction or offence;
show Relative standings within the major rating categories.
                                                                       • if another insurer has cancelled or refused to insure or
WHO IS ETI AUSTRALIA PTY LTD?                                            renew insurance, has imposed special terms, or refused
Mondial Assistance has been authorised by Allianz New Zealand            any claim;
Insurance Limited (the Insurer) to enter into and arrange the          • any insurance claim or loss made or suffered in the past.
policy and deal with and settle any claims under it, as the agent
of the Insurer, not as your agent. Mondial Assistance acts under       These examples are a guide only. If there is any doubt as
a binder which means that ETI Australia Pty Ltd can do these           to whether a particular piece of information needs to be
things as if it were the insurer.                                      disclosed, this should be referred to Allianz.
                                                                       nOn DISCLOSURE
WHO IS MOnDIAL ASSISTAnCE?
Mondial Assistance is a trading name of ETI Australia Pty Ltd.         If You fail to comply with Your Duty of Disclosure, the
It administers all emergency assistance services and benefits          consequences may be serious. We may be entitled to avoid this
of this insurance. You may contact Mondial Assistance in an            policy or reject any claim under it.
emergency 24 hours a day, 7 days a week.
JURISDICTIOn AnD CHOICE OF LAW
This policy is governed by and construed in accordance with the
law of New Zealand and you agree to submit to the exclusive
jurisdiction of the courts of New Zealand. You agree that it is your
                    Jurisdiction and Choice of Law” clause applies.
intention that this “


                                8                                                                        9
FALSE STATEMEnTS AnD FRAUD                                            PRIVACY nOTICE
Your policy is based on the information supplied to Us by You         To arrange and manage your travel insurance, we (in this
or on Your behalf. All statements made by You or on Your behalf       Privacy Notice “we”, “our” and “us” includes the Authorised
on the proposal, in support of this policy, on any claim form or      Representative) collect personal information from you and
in support of any claim must be true and correct. If You take         others (including those authorised by you such as your doctors,
any action or make any statement in connection with this policy       hospitals and persons whom we consider necessary).
or any claim any made under it, which is fraudulent in any way        Any personal information you provide is used by us to evaluate
or which is supported by untrue or incorrect information, We          and arrange your travel insurance. We also use it to administer
are entitled to avoid this policy and all benefits under it will be   and provide the insurance services and manage your and our
forfeited.                                                            rights and obligations in relation to the insurance services,
                                                                      including managing, processing and investigating claims. We
FAIR InSURAnCE CODE                                                   may also collect, use and disclose it for product development,
Allianz supports the principles of the Fair Insurance Code. The       marketing, research, IT systems maintenance and development,
purpose of this Code is to increase the standards of practice and     recovery against third parties, and for any other purposes with
service within the insurance industry. Brochures on the Code are      your consent.
available from our office.                                            This personal information may be disclosed to (and received
DISPUTE RESOLUTIOn PROCESS                                            from) third parties in New Zealand or overseas involved in the
                                                                      above process, such as travel consultants, travel insurance
Our disputes resolution officer, who has an independent decision      providers and intermediaries, authorised representatives,
making authority, will normally consider any complaint within 15      reinsurers, claims handlers and investigators, cost containment
business days. If this does not resolve the matter, or you are not    providers, medical and health service providers, legal and other
satisfied with the way the complaint has been dealt with, you may     professional advisers, your agents and our related companies.
contact the industry’s independent external complaints scheme:        The use and disclosure of such personal information will be
Insurance and Savings Ombudsman Service                               provided to third parties for the primary purposes stated above.
                                                                      The personal information (but not sensitive information) may
7th Floor BDO House                                                   also be used for a secondary purpose, but only if you would
99-105 Customhouse Quay, Wellington                                   reasonably expect us to use that information for such secondary
                                                                      purpose.
PO Box 10-845, Wellington, New Zealand
                                                                      When you give personal information about other individuals, we
Phone: 04-499 76                                                    and our agents rely on you to have made or make them aware:
Facsimile: 04-499 764                                                      • that you will or may provide their information to us;
                                                                            • the types of third parties to whom the information may be
Freephone: 0800 888 0
                                                                              provided;
Website: www.iombudsman.org.nz                                              • the relevant purposes we and the third parties will
                                                                              disclose it to, will use it for; and
Email: info@iombudsman.org.nz
                                                                            • how they can access it.
In THE EVEnT OF A CLAIM:
                                                                      We rely on you to have obtained their consent on these matters.
IMMEDIATE NOTICE should be given (See Contact Details
                                                                      If you have not done or will not do either of these things, you
on back cover).
                                                                      must tell us or our agents before you provide the relevant
PLEASE nOTE: FOR CLAIMS PURPOSES, EVIDEnCE (ORIGInAL                  information.
RECEIPTS) OF THE VALUE OF THE PROPERTY InSURED OR                     You can seek access to and correct your personal information
THE AMOUnT OF AnY LOSS MUST BE KEPT.                                  by contacting us. You may not access or correct personal
SAFEGUARDInG YOUR LUGGAGE AnD PERSOnAL EFFECTS                        information of others unless you have been authorised by their
                                                                      express consent or otherwise under law, or unless they are your
You must take all reasonable precautions to safeguard your
                                                                      Dependants under 16 years.
Luggage and Personal Effects. If you leave your Luggage and
Personal Effects unsupervised in a public place we will not pay       If you do not agree to the above or will not provide us with
your claim. (For an explanation of what we mean by “Luggage           personal information, we may not be able to provide you with
                                                                      our services or products or may not be able to process your
and Personal Effects”, “Unsupervised” and “Public Place” see
                                                                      application nor issue you with a policy. In cases where we do not
pages 13 to 15).
                                                                      agree to give you access to some personal information, we will
CLAIMS PROCESSInG                                                     give you reasons why.
We will process your claim within 10 working days of
us receiving a completed claim form and all necessary
documentation. If we need additional information, a written
request will be sent to you within 10 working days.

                                 0                                                                  
EXTEnSIOn OF YOUR POLICY
See Your Period of Cover on page 19.                                      | Words with
You may extend your policy if you find that your return to New
Zealand has been delayed because of one or more of the                      Special Meanings
following:                                                                Some words in your policy that have special meanings are
      • If a bus line, airline, shipping line or rail authority you are   defined here.
         travelling on, or that has accepted your fare or luggage,
         is delayed; or                                                   “AICD/ICD” means an implantable cardioverter-defibrillator
                                                                          (ICD), also known as an automated implantable cardioverter-
      • If the delay is due to a reason for which you can claim           defibrillator (AICD).
         under your policy, cover will be extended free of charge
         subject to our approval.                                         “Arises” or “Arising” means directly or indirectly arising or in
If the delay is for any other reason, you must request the                any way connected with.
extension at least 7 days before your original policy expires and         “Carrier” means an aircraft, vehicle, train, vessel or other
we must agree to this in writing.                                         public transport operated under a licence for the purposes of
An extension of cover is not provided if you are aged 86 years            transporting passengers. This definition excludes taxis.
and over at time of extension or where you have not advised us            “Dependant” means your children or grandchildren not in full
of any circumstances that have or may give rise to a claim under          time employment who are under the age of 21 and travelling with
your original policy.                                                     you on the journey.
We will not extend cover beyond the maximum 12 month term
                                                                          “Epidemic” means a sudden development and rapid spreading
of cover.
                                                                          of a contagious disease in a region where it developed in a
YOU CAn CHOOSE YOUR OWn DOCTOR                                            simply endemic state or within a previously unscathed community.
You are free to choose your own medical adviser or we can appoint         “Excess” means the amount which you must first pay for each
an approved medical adviser to see you, unless you are treated            claim arising from the one event before a claim can be made
under a reciprocal health agreement, refer to page 20.                    under your policy.
You must, however, advise us of your admittance to hospital or your       “Home” means the place where you normally live in New
intended early return to New Zealand based on medical advice.             Zealand.
If you do not get the medical treatment you expect, we can assist
                                                                          “Hospital” means an established hospital registered under any
you but we and/or the Authorised Representative, are not liable
                                                                          legislation that applies to it, that provides in-patient medical care.
for anything that results from that advice.
                                                                          “Injure” or “Injured” or “Injury” means bodily injury caused
OVERSEAS HOSPITALISATIOn OR MEDICAL EVACUATIOn
                                                                          solely and directly by violent, accidental, visible and external
For emergency assistance anywhere in the world at any time,               means, which happens at a definite time and place during your
Mondial Assistance is only a telephone call away. The team                period of cover and does not result from any illness, sickness
will help with medical problems, locating nearest medical                 or disease.
facilities, your evacuation home, locating nearest embassies and
consulates, as well as keeping you in touch with your family and          Journey” means the time from when you leave your home to go
                                                                          “
                                                                          directly to the place you depart from on your travels, and ends
work in an emergency.
                                                                          when you return to your home.
If you are hospitalised you, or a member of your travelling party,
MUST contact our assistance team at Mondial Assistance                    “Locked Storage Compartment” means a boot, trunk, glove
as soon as possible. If you do not, we will not pay for these             box, enclosed centre console, or concealed cargo area of a
expenses or for any evacuation or airfares that have not been             station wagon, hatchback, van or motorhome.
approved or arranged by us.                                               “Luggage and Personal Effects” means any personal items
If you are not hospitalised but you are being treated as an               owned by you and that you take with you, or buy, on your journey
outpatient and the total cost of such treatment will exceed NZD           and which are designed to be worn or carried about with you.
$2,000 you MUST contact Mondial Assistance.                               This includes items of clothing, personal jewellery, photographic
                                                                          and video equipment or personal computers, or electrical
EXCESS                                                                    devices or portable equipment. However, it does not mean any
The excess which will apply to your policy is the amount shown            business samples or items that you intend to trade.
in the Certificate or such other amount that we tell you about in         “Medical Adviser” means a qualified doctor of medicine or
writing before the Certificate is issued to you or as specified on        dentist registered in the place where you received medical
page 10 under the heading “Policy Excess Amounts”.                        services.



                                                                                                         3
“normally Earn” means:                                                  “Travelling Companion” means a person who made
      • If you are an employee, your average weekly base rate           arrangements to travel with you for at least 75% of your journey
        after tax over the 12 months before your journey began.         before you entered into your policy.
      • If you are not an employee, your average weekly income          “Unsupervised” means:
        from personal exertion after deducting income and all                • leaving your luggage with a person you did not know
        tax deductible expenses over the twelve months before                  prior to commencing your Journey.
        your journey. However, if you haven’t been working                   • leaving it in a position where it can be taken without
        continuously for that period, it means the average for the             your knowledge.
        time you were working continuously.                                  • leaving it in a position where it could reasonably be
"Open Water Sailing” means sailing more than 10 nautical                       taken without your knowledge.
miles off any land mass.                                                     • leaving it at such a distance from you that you are
                                                                               unable to prevent it being taken.
“Pandemic” means a form of an Epidemic that extends
throughout an entire continent, even the entire human race.             “We”, “Our” & “Us” means the insurer of your policy, Allianz New
                                                                        Zealand Insurance Limited, through its agent ETI Australia Pty Ltd.
“Pre-existing Medical Condition” means:
a] An ongoing medical or dental condition of which you are              “You” and “Your” means the person(s) whose name(s) are set
   aware, or related complication you have, or the symptoms of          out on your Certificate of Insurance and everyone else who is
   which you are aware;                                                 covered under your policy.
b] A medical or dental condition that is currently being, or
   has been investigated, or treated by a health professional
   (including dentist or chiropractor);
                                                                        | Your Policy Cover
c] Any condition for which you take prescribed medicine;                YOUR CHOICES
d] Any condition for which you have had surgery;                        Under this policy, you choose the cover you require based on
e] Any condition for which you see a medical specialist; or             your travel arrangements: Who you want to be insured (see
f] Pregnancy.                                                           below); and
PLEASE nOTE: This definition applies to you, your travelling            Whether you want Plan A, B, C, D or E - this depends on the type
companion or a relative.                                                of cover you want or which is available to you.
“Public Place” means any place that the public has access               WHO YOU WAnT TO BE InSURED
to, including but not limited to planes, trains, cruise ships, taxis,   Cover under this policy applies only to you and those persons
buses, air or bus terminals, stations, wharves streets, museums,        listed as covered on your Certificate of Insurance including
galleries, hotels, hotel foyers and grounds, beaches, restaurants,      members of your family and/or your dependant children or
private carparks, public toilets and general access areas.              grandchildren under 21 travelling with you on your journey.
“Reasonable” means, for medical or dental expenses, the                 The only members of your family who can be included are your
standard level of care given in the country you are in or, for other    spouse, your legally recognised de facto, your children and your
expenses, the standard level you have booked for the rest of            grandchildren. However, all children and grandchildren must be
your journey or, as determined by us.                                   dependant and under 21.
“Relative” means any of the following who is under 85 years of          PLAn BEnEFITS
age and who is resident in New Zealand or Australia. It means           Cover for plans A or B for any loss you suffer must occur in the
your or your Travelling Companion’s spouse, de facto partner,           geographical area that applies to the plan selected by you.
parent, parent-in-law, daughter, son, daughter-in-law, son-in-
law, brother, sister, brother-in-law, sister-in-law, grandchild,        However, stopovers of 2 nights outside of your selected
grandparent, step-parent, step-son, step-daughter, fiancé or            geographical area are permitted.
fiancée, or guardian.                                                   Plan A – Comprehensive covers the Benefit types detailed in:
“Sick” or “Sickness” means a medical condition, not being an            Section 1 to 16.
injury, which first occurs during your period of cover.




                                 4                                                                     5
Plan B – new Zealand Only covers the Benefit types detailed in:
  Section 1    – Cancellation Fees and Lost Deposits                   | Your Policy Wording
  Section 4    – Additional Expenses
  Section 6    – Accidental Death                                           CAnCELLATIOn FEES AnD LOST DEPOSITS
  Section 11   – Luggage and Personal Effects
                                                                       You have this cover if you choose Plan A, B, D or E.
  Section 13   – Travel Delay Expenses
  Section 15   – Personal Liability                                    .   WE WILL PAY
  Section 16   – Rental Vehicle                                        a]    We will pay your cancellation fees and lost deposits for
                                                                             travel and accommodation arrangements that you have
Plan C – Medical Protection Cover covers the Benefit types
                                                                             paid in advance and cannot recover in any other way if
detailed in:
                                                                             your journey is cancelled or shortened at any time through
  Section 2 – Overseas Emergency Medical Assistance                          circumstances neither expected nor intended by you or
  Section 3 – Overseas Emergency Medical and Hospital                        outside your control.
               Expenses                                                b]    We will pay the travel agent’s cancellation fees up to $100
  Section 6 – Accidental Death                                               when all monies have been paid or the maximum amount
  Section 15 – Personal Liability                                            of the deposit has been paid at the time of cancellation.
Plan D – Cancellation covers Section 1 – Cancellation fees and               However we will not pay more than the level of commission
lost deposits only.                                                          or service fees normally earned by the agent, had your
                                                                             journey not been cancelled. Documentary evidence of the
Plan E – Frequent Traveller covers Plan A benefits (Sections 1               travel agent’s fee is required.
to 16) whilst travelling internationally and (Sections 1, 4 and 6 to   c]    We will pay you for loss of frequent flyer or similar air travel
16) whilst travelling in New Zealand which involves an interstate            points you used to purchase an airline ticket following
destination or intrastate destination (minimum of 100kms from                cancellation of your air ticket, if you cannot recover the lost
home). Cover is not available for travellers aged 71 years and               points from any other source. The cancellation must be due
over.                                                                        to unforeseen circumstances outside of your control. We
To find out more about the types of cover that apply to your plan,           calculate the amount we pay you by multiplying:
refer to Sections “We Will Pay” and “We Will Not Pay” for details.           • the cost of an equivalent class airline ticket based on the
                                                                                quoted retail price at the time the ticket was issued, less
YOUR PERIOD OF COVER
                                                                                your financial contribution;
You are not covered until we issue a Certificate of Insurance.
                                                                             • by the total value of points lost divided by the total value
That Certificate forms part of your policy. The period you are
                                                                                of points used to obtain the ticket.
insured for is set out in the Certificate of Insurance.
                                                                       The maximum amount we will pay for all claims combined under
However:                                                               this section is shown under the Table of Benefits for the Plan you
                                                                       have selected.
      • Cover for cancellation fees and lost deposits begins from
        the time the policy is issued.                                 .   WE WILL nOT PAY
      • Cover for all other sections begins on date of departure       We will not pay if:
        as stated on the Certificate of Insurance. Cover ends          a]   You were aware of any reason, before your period of cover
        when you return to your Home or on the date of return               commenced, that may cause your journey to be cancelled,
        set out on your Certificate of Insurance whichever                  abandoned or shortened.
        happens first.                                                 Nor will we pay if your cancellation fees or lost deposits arise
                                                                       because of:
The maximum period of cover for any one journey under Plan E
                                                                       b] The death or sickness of your travelling companion or
Frequent Traveller is 37 days for leisure travel and 90 days for
                                                                            relative, if the death or sickness is as a result of a Pre-
business travel.
                                                                            existing Medical Condition except as specified under the
                                                                            heading “Pre-existing Medical Conditions” on page 5.
                                                                       c]   You or your travelling companion changing plans.
                                                                       d] Any business, financial or contractual obligations. This
                                                                            exclusion does not apply to claims where you or a member
                                                                            of your travelling party are made redundant from full-time
                                                                            employment in New Zealand provided you or they were
                                                                            not aware that the redundancy was to occur before you
                                                                            purchased your policy.




                                 6                                                                     7
e]    Prohibition or regulation by any Government.                        .   WE WILL nOT PAY:
f]    A tour operator or wholesaler being unable to complete              We will not pay for any expenses:
      arrangements for any tour because there were not enough             a] For medical evacuation, funeral services or cremation or
      people to go on the tour.                                                bringing your remains back to New Zealand unless it has
g]    Delays or rescheduling by a bus line, airline, shipping line             been first approved by Mondial Assistance.
      or rail authority.                                                  b] If you decline to promptly follow the medical advice of
h]    The financial collapse of any transport, tour or                         Mondial Assistance and we will not be responsible for
      accommodation provider.                                                  subsequent medical, hospital or evacuation expenses.
i]    The mechanical breakdown of any means of transport.                 c]  For medical evacuation or the transportation of your
j]    If your claim arises directly or indirectly from an act or threat        remains from New Zealand to an overseas country.
      of terrorism.                                                       YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
                                                                          ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
k]    The death, injury or sickness of any person who resides             WE WILL nOT PAY.
      outside of New Zealand.
l]    Where you are a full-time permanent employee and pre-
      arranged leave is cancelled by your employer.
                                                                          3     OVERSEAS EMERGEnCY MEDICAL
                                                                                AnD HOSPITAL EXPEnSES
m]    Your claim arises directly or indirectly from an Epidemic or
      Pandemic.                                                           You have this cover if you choose Plan A, C or E.
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                           3.   WE WILL PAY
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
                                                                          a]    We will reimburse the reasonable medical or hospital
WE WILL nOT PAY.
                                                                                expenses you incur until you get back to New Zealand if
                                                                                you injure yourself overseas, or become sick there. The
     OVERSEAS EMERGEnCY MEDICAL                                                medical or hospital expenses must have been incurred on
      ASSISTAnCE, MEDICAL EVACUATIOn                                            the advice of a medical adviser. You must make every effort
      OR FUnERAL EXPEnSES                                                       to keep your medical or hospital expenses to a minimum.
You have this cover if you choose Plan A, C or E                                If we determine that you should return home to New
Mondial Assistance will help you with any overseas medical                      Zealand for treatment and you do not agree to do so then
emergency. You may contact them at any time 7 days a week -                     we will pay you the amount which we determine would
refer to your ‘Emergency Assistance’ card.                                      cover your medical expenses and/or related costs had
                                                                                you agreed to our recommendation. You will then be
.   WE WILL ARRAnGE FOR THE FOLLOWInG ASSISTAnCE                              responsible for any ongoing or additional costs relating to
      SERVICES IF YOU InJURE YOURSELF OVERSEAS OR
                                                                                or arising out of the event you have claimed for.
      BECOME SICK THERE:
                                                                                We will only pay for treatment received and/or hospital
a]    Access to a Medical Adviser for emergency medical
                                                                                accommodation during the 12 month period after the
      treatment whilst overseas.
                                                                                sickness first showed itself or the injury happened.
b] Any messages which need to be passed on to your family
      or employer in the case of an emergency.                            b]    We will also pay the cost of emergency dental treatment
c]    Provide any written guarantees for payment of reasonable                  up to a maximum amount of $500 per person per trip for
      expenses for emergency hospitalisation whilst overseas.                   dental costs incurred which the treating dentist certifies in
d] Your medical transfer or evacuation if you must be                           writing is for the relief of sudden and acute pain to sound
      transported to the nearest hospital for emergency medical                 and natural teeth.
      treatment overseas or be brought back to New Zealand                The maximum amount we will pay for all claims combined under
      with appropriate medical supervision.                               this Section is shown under the Table of Benefits for the Plan you
                                                                          have selected.
e] For the return to New Zealand of your dependant
      children if they are left without supervision following your
      hospitalisation or evacuation.
If you die as a result of an injury or a sickness during your
journey, we will pay for the reasonable cost of either a funeral or
cremation overseas and/or of bringing your remains back to your
usual home in New Zealand. The maximum amount we will pay is
$15,000 for all claims combined.
The most we will pay under this section for all claims combined
made under items . a] to e] is shown under the Table of Benefits
for the Plan you have selected.




                                  8                                                                      9
3.   WE WILL nOT PAY                                                   c]   If, during your journey, your travelling companion or a
We will not pay for expenses:                                                relative of either of you dies unexpectedly, is disabled
a] Arising from Pre-existing Medical Conditions except                       by an injury or becomes seriously sick and requires
     as specified under the heading “Pre-existing Medical                    hospitalisation, we will reimburse the reasonable additional
     Conditions” on page 10.                                                 cost of your return to New Zealand. We will only pay the
b] When you have not notified us as soon as practicable of                   cost of the fare class you had planned to travel at.
     your admittance to hospital.                                       d]   If you return to your home in New Zealand because, during
c]  After 2 weeks treatment by a chiropractor, physiotherapist               your journey, a relative of yours dies unexpectedly or is
     or dentist unless approved by us.                                       hospitalised following a serious injury or a sickness, we
                                                                             will reimburse you up to $3,000 towards return airfares
d] If you do not take our reasonable advice or that of any
                                                                             if you are able to resume your journey, but only if more
     Assistance Company we appoint.
                                                                             than 14 days remain of the period of your journey on your
e] If you have received medical care under a reciprocal                      Certificate of Insurance.
     national health scheme. Reciprocal Health Agreements are
                                                                        e]   However, if you do not have a return ticket booked to New
     currently in place with the following countries: Finland, Italy,
                                                                             Zealand before you were injured or became sick, we will
     Malta, the Netherlands, Norway, Sweden, the Republic of
                                                                             reduce the amount of your claim by the price of the fare to
     Ireland, United Kingdom and New Zealand.
                                                                             New Zealand from the place you planned to return to New
f]  For damage to dentures, dental prostheses, bridges or                    Zealand from. The fare will be at the same fare class as the
     crowns.                                                                 one you left New Zealand on.
g] Relating to dental treatment involving the use of precious           f]   Wherever claims are made by you under this Section and
     metals or for cosmetic dentistry.                                       Section 1 for cancelled services/facilities or alternative
Please note that we will not pay for any costs incurred in                   arrangements for the same or similar services/facilities,
your Country of Residence.                                                   we will pay for the higher of the two amounts, not both.
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                         WE WILL ALSO PAY FOR THE OTHER FOLLOWInG REASOnS:
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY                       g]   We will reimburse your reasonable additional travel and
WE WILL nOT PAY.
                                                                             accommodation expenses if a disruption to your journey
                                                                             arises from the following reasons:
4     ADDITIOnAL EXPEnSES                                                    • Your scheduled or connecting transport is cancelled,
You have this cover if you choose Plan A, B or E.                               delayed, shortened or diverted because of a strike, riot,
                                                                                hijack, civil commotion, weather or natural disaster.
4.   WE WILL PAY BECAUSE OF HEALTH PROBLEMS
                                                                             • You unknowingly break any quarantine rule.
a]    We will reimburse any reasonable additional
                                                                             • You lose your passport, travel documents or credit cards
      accommodation and travel expenses if you cannot travel
                                                                                or they are stolen.
      because of an injury or sickness which needs immediate
      treatment from a medical practitioner who certifies that you           • An accident involving your mode of transport. You must
      are unfit to travel.                                                      have written confirmation of the accident from an official
                                                                                body in the country where the accident happened.
      We will also reimburse your reasonable additional
      accommodation and travel expenses for you to be with                   • Your Home in New Zealand is rendered uninhabitable by
      your travelling companion if he or she cannot continue their              fire, explosion, earthquake or flood.
      journey for the same reason.                                      The maximum amount we will pay for all claims combined under
                                                                        this section is shown under the Table of Benefits for the Plan you
      We will also reimburse the reasonable accommodation and           have selected.
      travel expenses of your travelling companion or a relative
      to travel to you, stay near you or escort you, if you are in
      hospital suffering from a life threatening or other serious
      condition, or are evacuated for medical reasons. He or
      she must travel, stay with you or escort you on the written
      advice of a medical adviser and with the prior approval of
      Mondial Assistance.
b]    If you shorten your journey and return to New Zealand
      on the advice of a medical adviser approved by us, we
      will reimburse the reasonable cost of your return to New
      Zealand. We will only pay the cost of the fare class that you
      had planned to travel at and you must take advantage of
      any pre-arranged return travel to New Zealand.


                                 0                                                                      
4.   WE WILL nOT PAY                                                6     ACCIDEnTAL DEATH
We will not pay for any expenses:
                                                                     You have this cover if you choose Plan A, B, C or E.
a] If you were aware of any reason, before your period of
     cover commenced, that may cause your journey to be              6.   WE WILL PAY
     cancelled or disrupted or delayed.                              We will pay the death benefit, to the estate of the deceased, if:
b] If the death, injury or sickness of a relative is a result of a   a] you are injured during your journey and you die because
     Pre-existing Medical Condition except as specified under              of that injury within 12 months of the injury; or
     the heading “Pre-existing Medical Conditions” on page 10.       b] during your journey, something you are travelling on
c]  If you can claim your additional travel and accommodation              disappears, sinks or crashes and you are presumed dead
     expenses from anyone else.                                            and your body is not found within a year.
d] If your claim relates to the financial collapse of any            The limit we will pay for the death of any one accompanying
     transport, tour or accommodation provider.                      dependant child who is under 21 years of age is $5,000.
e] For delays or rescheduling by a bus line, airline, shipping       The limit for the death of one person, who is not an
     line or rail authority.                                         accompanying dependant child under 21 years of age is the sum
f]  If you operate a rental vehicle in violation of the rental       insured as per the plan selected.
     agreement.                                                      The maximum amount we will pay for all claims combined under
                                                                     this section is shown under the Table of Benefits for the Plan you
g] As a result of you or your travelling companion changing
                                                                     have selected.
     plans.
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                      6. WE WILL nOT PAY
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY                    We will not pay for death caused by suicide or for any other
WE WILL nOT PAY.                                                     reason other than caused by accidental bodily injury as defined.
                                                                     YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
5     HOSPITAL CASH ALLOWAnCE                                        ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
                                                                     WE WILL nOT PAY.
You have this cover if you choose Plan A or E.

5.   WE WILL PAY                                                    7     PERMAnEnT DISABILITY
We will pay you $50 for each day you are in hospital if you
                                                                     You have this cover if you choose Plan A or E.
are in hospital for more than 48 continuous hours while you
are overseas.                                                        7.   WE WILL PAY
However, no matter how long you are in hospital the maximum          We will pay if:
amount we will pay for all claims combined under this section is
                                                                     a] you are injured during your journey; and
shown under the Table of Benefits for the Plan you have selected.
                                                                     b] because of the injury, become permanently disabled within
5.   WE WILL nOT PAY                                                      12 months of the injury.
We will not pay:                                                           Permanently disabled means:
a] For the first 48 continuous hours you are                               • you have totally lost any of the following:
     in hospital.                                                            – all of the sight in one or both eyes;
b] If you cannot claim for overseas medical expenses in                      – the use of a hand or foot at or above the wrist or ankle;
     Section 3.                                                                 and
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                            • the loss is for at least 12 months and, in our opinion after
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY                            consultation with an appropriate medical specialist, will
WE WILL nOT PAY.                                                             continue indefinitely.
                                                                     The limit for the permanent disability of one person is the sum
                                                                     insured as per the plan selected and the most we will pay for any
                                                                     one dependant child under 21 years of age is $5, 000.
                                                                     The maximum amount we will pay for all claims combined under
                                                                     this section is shown under the Table of Benefits for the Plan you
                                                                     have selected.

                                                                     7.   WE WILL nOT PAY
                                                                     YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
                                                                     ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
                                                                     WE WILL nOT PAY.




                                                                                                    3
8     LOSS OF InCOME                                                 0    THEFT OF CASH, BAnK nOTES, CURREnCY
You have this cover if you choose Plan A or E.                             nOTES, POSTAL ORDERS OR MOnEY ORDERS
                                                                     You have this cover if you choose Plan A or E.
8.   WE WILL PAY
If you are injured during your journey and become disabled           0. WE WILL PAY
within 30 days because of the injury, and the disablement            The most we will pay is $250 for any cash, bank notes, currency
continues for more than 30 days after your return to New             notes, postal orders or money orders stolen from your person.
Zealand, we will pay you what you normally earn.                     0. WE WILL nOT PAY
We will only pay if you cannot do your normal or suitable            We will not pay if:
alternative work and you lose all your income.
                                                                     a]    You do not report the theft within 24 hours to the police
The maximum amount we will pay for all claims combined under
this section is shown under the Table of Benefits for the Plan you         or an office of the bus line, airline, shipping line or rail
have selected.                                                             authority you were travelling on when the theft occurred.
                                                                           You can prove that you made a report by providing us with
8.   WE WILL nOT PAY                                                      a written statement from whoever you reported it to.
We will not pay for the first 30 days of your disablement from the   b]    The cash, bank notes, currency notes, postal orders or
time you return to New Zealand.                                            money orders were not on your person at the time they
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                            were stolen.
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
                                                                     YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
WE WILL nOT PAY.
                                                                     ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
                                                                     WE WILL nOT PAY.
9     LOSS OF TRAVEL DOCUMEnTS, CREDIT
      CARDS AnD TRAVELLERS CHEQUES                                       DAMAGE OR PERMAnEnT LOSS OF LUGGAGE
You have this cover if you choose Plan A or E.                             AnD PERSOnAL EFFECTS
9. WE WILL PAY                                                      You have this cover if you choose Plan A, B or E.
a]    We will reimburse you the replacement costs (including         . WE WILL PAY
      communication costs) of any travel documents, including        a]    We will pay the repair cost, or value of any Luggage and
      passports, credit cards or travellers cheques you lose or            Personal Effects which is stolen or accidentally damaged
      which are stolen from you during your journey.                       or is permanently lost. When calculating the amount
b]    We will also cover loss resulting from the fraudulent use            payable we will apply depreciation due to age, wear and
      of any credit card held by you following the loss of the             tear for each item. The amount of such depreciation will be
      card during your journey.                                            determined by Us. No depreciation will be applied to goods
c]    We will only cover those amounts not covered by any                  purchased duty free prior to your departure or goods
      guarantee given by the bank or issuing company to you                purchased during your Journey. We will not pay more
      as the cardholder covering such losses.                              than the original purchase price of any item. We also have
The maximum amount we will pay for all claims combined under               the option to repair or replace the Luggage and Personal
this section is shown under the Table of Benefits for the Plan you         Effects instead of paying you.
have selected.
                                                                     b]    The maximum amount we will pay for any item (item limit)
9. WE WILL nOT PAY                                                        is:
We will not pay if you:                                                    • $3,000 for personal computers, video recorders or
a] do not report the theft within 24 hours to the police and,                  cameras.
     in the case of credit cards and travellers cheques, to the            • $750 for all other unspecified items.
     issuing bank or company in accordance with the conditions             A pair or related set of items, for example but not limited to:
     under which the card(s) or cheque(s) were issued; and                 • A camera, lenses (attached or not), tripod and
b] you cannot prove that you made a report to the above                        accessories;
     relevant persons by providing us with a written statement             • A matched or unmatched set of golf clubs, golf bag and
     from them.                                                                buggy, or
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
                                                                           • A matching pair of earrings, are considered as only one
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
WE WILL nOT PAY.                                                               item and the appropriate single item limit will be applied.
                                                                     c]    We do however pay in addition to the above limits, up to
                                                                           $5,000 for all claims combined, in relation to items that you
                                                                           have specified on the “Increased Luggage and Personal
                                                                           Effects Cover” section of the application form and paid an
                                                                           additional premium for.
                                 4                                                                   5
d]   For any item, we will not pay, in any event, more than what      m]   The luggage is fragile, brittle or an electronic component is
     you paid for it.                                                      broken or scratched – unless either:
e]   Luggage and Personal Effects left in a motor vehicle                  – it is the lens of spectacles, binoculars or photographic or
     is only covered during daylight hours and must have                     video equipment; or
     been locked in the boot or a locked compartment and                   – the breakage or scratch was caused by a crash involving
     forced entry must have been made. No cover applies if                   a vehicle in which you are travelling.
     Luggage and Personal Effects are left unattended in the          n]   You are entitled to be reimbursed by the bus line, airline,
     passenger compartment of the motor vehicle or if the                  shipping line or rail authority you were travelling on
     Luggage and Personal Effects have been left in the motor              when the loss, theft, misplacement or damage occurred.
     vehicle overnight. The most we will pay if your Luggage               However, if you are not reimbursed the full amount of your
     and Personal Effects are stolen from the locked storage               claim, we will pay the difference between the amount of
     compartment of an unoccupied vehicle is $200 for each                 your loss and what you were reimbursed, up to the limit
     item and $2,000 in total for all stolen items, even if you            of your cover (allowing for depreciation and fair wear and
     have purchased additional cover for specified items.                  tear).
The maximum amount we will pay for all claims combined under
                                                                      o]   The loss or damage to sporting equipment whilst in use
this section is shown under the Table of Benefits for the Plan you
have selected. We will also pay up to the limits for any increased         (including surfboards).
Luggage and Personal Effects cover purchased.                         YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
                                                                      ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
. WE WILL nOT PAY                                                  WE WILL nOT PAY.
We will not pay a claim in relation to your Luggage and Personal
Effects if:                                                               LUGGAGE AnD PERSOnAL EFFECTS
a] You do not report the loss, theft or misplacement within                 DELAY EXPEnSES
      24 hours to the police or an office of the bus line, airline,   You have this cover if you choose Plan A or E.
      shipping line or rail authority you were travelling on when
      the loss, theft or misplacement occurred and you cannot         . WE WILL PAY
      prove that you made such report by providing us with a          We will reimburse up to the sum insured as per the Plan selected
      written statement from whoever you reported it to.              for all claims combined if any items of your luggage are delayed,
b] Your jewellery, mobile phone, camera, video camera,                misdirected or misplaced by the carrier for more than 12 hours,
      computer equipment or their accessories are transported in      and in our opinion it was reasonable for you to purchase
      the cargo hold of any aircraft, ship, train or bus.             essential items of clothing or other personal items.
c]    The loss, theft of or damage is to or of bicycles.              Your claim must contain written proof from the carrier who was
d] The loss, theft or damage is to items left behind in any           responsible for your luggage that it was delayed, misdirected or
      hotel or motel room after you have checked out or items         misplaced.
      left behind in any aircraft, ship, train, taxi or bus.          We will deduct any amount we pay you under this benefit for any
e] The loss, theft or damage is to watercraft of any type (other      subsequent claim for lost Luggage and Personal Effects.
                                                                      The maximum amount we will pay for all claims combined under
      than surfboards).
                                                                      this section is shown under the Table of Benefits for the Plan you
f]    The Luggage and Personal Effects were being sent                have selected.
      unaccompanied or under a freight contract.
                                                                      . WE WILL nOT PAY
g] The loss of, or damage arises from any process of
      cleaning, repair or alteration.                                 We will not pay if you are entitled to compensation from the bus
                                                                      line, air line, shipping line or rail authority you were travelling
h] The loss of or damage arises from ordinary wear and tear,
                                                                      on for the relevant amount claimed. However, if you are not
      deterioration, atmospheric or weather conditions, insects,
                                                                      reimbursed the full amount, we will pay the difference between
      rodents or vermin.
                                                                      the amount of your expenses and what you were reimbursed up
i]    The Luggage and Personal Effects were left unsupervised         to the limit of your cover to the limit of your cover.
      in a public place.
                                                                      YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
j]    The Luggage and Personal Effects were left unattended in        ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
      a motor vehicle unless it was locked in the boot or locked      WE WILL nOT PAY.
      storage compartment.
k]    The Luggage and Personal Effects were left overnight
      in a motor vehicle even if it was in the locked storage
      compartment.
l]    The Luggage and Personal Effects have an electrical or
      mechanical breakdown.


                                 6                                                                    7
3    TRAVEL DELAY EXPEnSES                                               5    PERSOnAL LIABILITY
You have this cover if you choose Plan A, B or E.                         You have this cover if you choose Plan A, B, C or E.
3. WE WILL PAY                                                          5. WE WILL PAY
We will reimburse the cost of your reasonable additional meals            We will cover your legal liability for payment of compensation in
and accommodation expenses if a disruption to your journey, for           respect of:
at least 6 hours, arises from circumstances outside your control:               • death, bodily injury or illness, and/or
We will pay up to $200 at the end of the initial 6 hour period. In              • physical loss of damage to property,
addition we will pay up to $200 for each full 24 hour period that         occurring during your journey which is caused by an accident or a
the delay continues beyond the initial 6 hour delay.                      series of accidents attributable to one source or originating cause.
The maximum amount we will pay for all claims combined under
                                                                          We will also reimburse your reasonable legal costs and legal
this section is shown under the Table of Benefits for the Plan you
have selected.
                                                                          expenses for settling or defending the claim made against you.
                                                                          We decide whether the costs were reasonable.
3. WE WILL nOT PAY                                                      You must not accept liability without our prior written approval.
We will not pay if a disruption to your journey arises from any           The maximum amount we will pay is the limit of liability shown for
of the following reasons:                                                 the type of cover selected and the plan you have selected on the
a] If you can claim your additional meals and accommodation               attached Table of Benefits.
      expenses from anyone else.                                          5. WE WILL nOT PAY
b] The financial collapse of any transport, tour or                       We will not reimburse you for anything you have to pay because
      accommodation provider.                                             of a legal claim against you for causing injury, death or damage
c]    If your claim arises directly or indirectly from an act or threat   to property, if the claim arises out of or is for:
      of terrorism.                                                       a] Bodily injury to you, your travelling companion, or to a
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                                  relative or employee of either of you;
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY                         b] Damage to property belonging to you, or in your care
WE WILL nOT PAY.
                                                                                 or control, or belonging to, or in the care or control of, a
                                                                                 relative of yours, or your travelling companion, or to an
4    ALTERnATIVE TRAnSPORT EXPEnSES                                             employee of either of you;
You have this cover if you choose Plan A or E.                            c]     Something arising out of the ownership, custody or use
                                                                                 of any aerial device, watercraft or mechanically propelled
4. WE WILL PAY                                                                 vehicle;
We will pay your reasonable additional travel expenses as                 d] Something arising out of the conduct of a business,
determined by us to reach a wedding, funeral, conference,                        profession or trade;
sporting event or prepaid travel/tour arrangements on time if your        e] Any loss, damage or expenses which are covered or
scheduled transport is cancelled, delayed, shortened or diverted                 should have been covered under a statutory or compulsory
and that means you would not arrive on time.                                     insurance policy, statutory or compulsory insurance
We decide which expenses are reasonable and the maximum                          or compensation scheme or fund, or under workers’
amount we will pay for all claims combined under this section is                 compensation legislation, an industrial award or agreement,
shown under the Table of Benefits for the Plan you have selected.                or accident compensation legislation;
4. WE WILL nOT PAY                                                      f]     Any fine, penalty or aggravated, punitive or exemplary or
We will not pay:                                                                 liquidated damages;
a] If cancellation, delay, shortening or diversion of your                g] Disease that is transmitted by you;
     scheduled transport arises from the financial collapse of any        h] Any relief or recovery other than monetary amounts;
     transport, tour or accommodation provider.                           i]     Liability arising from a contract that imposes on you a
                                                                                 liability which you would not otherwise have;
b] If your claim arises directly or indirectly from an act or threat
                                                                          j]     Anything that is covered under any other policy. We will be
     of terrorism.
                                                                                 liable only for the amount your liability exceeds the limits of
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                                  cover under any other policy;
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
WE WILL nOT PAY.
                                                                          k] Assault and/or battery committed by you or at your direction; or
                                                                          l]     Conduct intended to cause personal injury, property
                                                                                 damage or liability with reckless disregard for the
                                                                                 consequences of you or any person acting with your
                                                                                 knowledge, consent or connivance.
                                                                          YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO
                                                                          ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY
                                                                          WE WILL nOT PAY.
                                  8                                                                       9
6    REnTAL VEHICLE
You have this cover if you choose Plan A, B or E.
                                                                          | General Exclusions
6. WE WILL PAY
We will reimburse the rental vehicle insurance excess or the cost
                                                                            Applicable to all Sections
of repairing the vehicle, whichever is the lesser, if a vehicle you       WE WILL nOT PAY UnDER AnY CIRCUMSTAnCES IF:
have rented from a rental company is involved in a motor vehicle
accident while you are driving, or is damaged or stolen while             GEnERAL
in your custody. You must provide a copy of the repair account            1    You do not act in a responsible way to protect yourself and
and/or quote.                                                                  your property and to avoid making a claim.
This cover does not take the place of rental vehicle insurance            2    You do not do everything you can to reduce your loss as
and only provides cover for the excess component up to the                     much as possible.
applicable section limit.                                                 3    Your claim arises from consequential loss of any kind
In addition, we will pay up to $500 for the cost of returning your             including loss of enjoyment.
rental vehicle to the nearest depot if your attending registered          4    At the time of purchasing the policy, you were aware of
medical practitioner or dentist certifies in writing that you are unfit        something that would give rise to you making a claim under
to do so during your journey.                                                  this policy.
The maximum amount we will pay for all claims combined under              5    Your claim is for a loss which is recoverable by
this section is shown under the Table of Benefits for the Plan you             compensation under any workers compensation or
have selected.                                                                 transport accident laws or by any government sponsored
                                                                               fund, plan, or medical benefit scheme, or any other similar
6. WE WILL nOT PAY                                                           type legislation required to be effected by or under a law.
We will not pay a claim involving the theft or crash of your rental       6    Your claim arises from errors or omissions in your booking
vehicle if the claim arises directly or indirectly from:                       arrangements or your failure to obtain relevant visa or
a] You operating a rental vehicle in violation of the rental                   passport documents.
      agreement.                                                          7    Your claim arises because you act illegally or break
b] You using the vehicle while affected by alcohol or any other                any government prohibition or regulation including visa
      drug in a way that is against the law of the place you are in.           requirements.
c]    You using a vehicle without a licence for the purpose that          8    Your claim arises from a government authority confiscating,
      you were using it.                                                       detaining or destroying anything.
YOU MUST CHECK GEnERAL EXCLUSIOnS APPLICABLE TO                           9    Your claim arises from being in control of a motor cycle
ALL SECTIOnS PAGES 3 TO 33 FOR OTHER REASOnS WHY                              without a current New Zealand motorcycle licence or you
WE WILL nOT PAY.                                                               are a passenger travelling on a motorcycle that is in the
                                                                               control of a person that does not hold a current motorcycle
                                                                               licence valid for the country you are travelling in.
                                                                          10   Your claim arises because you did not follow advice in the
                                                                               mass media of any government or other official body’s
                                                                               warning:
                                                                               • against travel to a particular country or parts of a country;
                                                                               • of a strike, riot, bad weather, civil commotion or
                                                                                  contagious disease;
                                                                               • of a likely or actual Epidemic or Pandemic (such as H5N1
                                                                                  Avian influenza);
                                                                               • of a threat of an Epidemic or Pandemic (such as H5N1
                                                                                  Avian influenza) that requires the closure of a country's
                                                                                  borders;
                                                                               • of an Epidemic or Pandemic that results in you being
                                                                                  quarantined,
                                                                               and you did not take appropriate action to avoid or
                                                                               minimise any potential claim under your policy (including
                                                                               delay of travel to the country or part of the country referred
                                                                               to in the warning. Please refer to www.who.int for further
                                                                               information.
                                                                          11   Your claim arises from any act of war, whether war
                                                                               is declared or not, or from any rebellion, revolution,
                                                                               insurrection or taking of power by the military.


                                  30                                                                      3
12   Your claim arises from a nuclear reaction or contamination      SPORTS AnD LEISURE
     from nuclear weapons or radioactivity.                          27   Your claim arises because you hunt, race (other than
13   Your claim arises from biological and or chemical materials,         on foot), engage in Open Water Sailing, play polo, go
     substances, compounds or the like used directly or                   mountaineering or rock climbing using ropes or climbing
     indirectly for the purpose to harm or to destroy human life          equipment (other than for hiking) or from professional sport
     and or create public fear.                                           of any kind, or from parachuting or hang gliding.
MEDICAL                                                              28   Your claim arises because you dive underwater using an
14   Your claim arises from Pre-existing Medical Conditions.              artificial breathing apparatus, unless you hold an open
                                                                          water diving licence issued in New Zealand or you were
15   Your claim is in respect of travel booked or undertaken              diving under licensed instruction.
     against the advice of any medical adviser.
                                                                     29   Your claim arises from travel in any air supported device
16   Your claim arises directly or indirectly from any injury or          other than as a passenger in a fully licensed aircraft
     illness where a metastatic or terminal prognosis was made            operated by an airline or charter company. This exclusion
     prior to the issue of the Certificate of Insurance.                  does not apply to regulated or licensed ballooning.
17   Your claim arises out of pregnancy, or related complications
     after 26 weeks of pregnancy with a single baby, or after 19
     weeks of pregnancy with a multiple pregnancy.
18   Your claim arises out of pregnancy, childbirth or related
     complications.
19   Your claim involved a hospital where you are being treated
     for addiction to drugs or alcohol, or are using it as a
     nursing, convalescent or rehabilitation place.
20   Your claim involves the cost of medication in use at the time
     the journey began or the cost for maintaining a course of
     treatment you were on prior to the journey.
21   Your claim arises from or is in any way related to
     depression, anxiety, stress, mental or nervous conditions.
22   Your claim arises from suicide or attempted suicide.
23   Your claim arises directly or indirectly from sexually
     transmitted disease.
24   You were under the influence or addicted to intoxicating
     liquor or drugs except a drug prescribed to you by a
     medical adviser.
25   Despite our advice otherwise, you received private hospital
     or medical treatment where public funded services or care
     is available in New Zealand or under any Reciprocal Health
     Agreement between the Government of New Zealand and
     the Government of any other country.
26   Your claim arises from any medical procedures in relation
     to AICD/ICD insertion during overseas travel. If you,
     your travelling companion or a relative (as listed on your
     Certificate of Insurance) requires this procedure, due to
     sudden and acute onset which occurs for the first time
     during your period of cover and not directly or indirectly
     related to a Pre-existing Medical Condition, we will exercise
     our right to organise a repatriation to New Zealand for this
     procedure to be completed.




                                3                                                                  33
| Claims                                                              OTHER InSURAnCE
                                                                      If any loss, damage or liability covered under this policy is
                                                                      covered by another insurance policy, you must give us details.
HOW TO MAKE A CLAIM                                                   If you make a claim under one insurance policy and you are paid
You must give us notice of your claim as soon as possible             the full amount of your claim, you cannot make a claim under
by completing the claim form supplied by our Client Services          the other policy. If you make a claim under another insurance
department and posting to the address shown on the claim              policy and you are not paid the full amount of your claim, we
form. If the claim form is not fully completed by you, we cannot      will make up the difference. We may seek contribution from your
process your claim.                                                   other Insurer. You must give us any information we reasonably
If you do not, we can reduce your claim by the amount of              ask for to help us make a claim from your other Insurer.
prejudice we have suffered because of the delay.                      SUBROGATIOn
You must give us any information we reasonably ask for to             We may, at our discretion undertake in your name and on your
support your claim at your expense, such as but not limited           behalf, control and settlement of proceedings for our own benefit
to police reports, valuations, medical reports, original receipts     in your name to recover compensation or secure indemnity from
or proof of ownership. If required, we may ask you to provide         any party in respect of anything covered by this policy. You are
us with translations into English of such documents to enable         to assist and permit to be done, all acts and things as required
us to carry out our assessment of your claim.                         by us for the purpose of recovering compensation or securing
You must co-operate with us at all times in relation to the           indemnity from other parties to which we may become entitled
provision of supporting evidence and such other information           or subrogated, upon us paying your claim under this policy
as we may reasonably require.                                         regardless of whether we have yet paid your claim and whether
a] For medical, hospital or dental claims, contact Mondial            or not the amount we pay you is less than full compensation for
      Assistance as soon as practicable.                              your loss. These rights exist regardless of whether your claim is
b] For damage or permanent loss of your Luggage and                   paid under a non-indemnity or an indemnity clause of this policy.
      Personal Effects, report it immediately to the police and       RECOVERY
      obtain a written notice of your report.                         We will apply any money we recover from someone else under a
c]    For damage or misplacement of your Luggage and                  right of subrogation in the following order:
      Personal Effects, caused by the airline or any other            1. To us, our administration and legal costs arising from the
      operator or accommodation provider, report the damage or            recovery.
      misplacement to an appropriate official and obtain a written    2. To us, an amount equal to the amount that we paid to you
      report, including any offer of settlement that they may make.       under the policy.
d] Submit full details of any claim in writing within 30 days         3. To you, your uninsured loss (less your excess).
      of your return.
                                                                      4. To you, your excess.
CLAIMS ARE PAYABLE In nEW ZEALAnD DOLLARS TO YOU                      Once we pay your total loss we will keep all money left over.
We will pay all claims in New Zealand Dollars. We will pay you        If we have paid your total loss and you receive a payment from
unless you tell us to pay someone else. The rate of currency          someone else for that loss or damage, you must pay us the
exchange that will apply is the rate at the time you incurred         amount of that payment up to the amount of the claim we paid you.
the expense.
                                                                      If we pay you for lost or damaged property and you later recover
YOU MUST nOT ADMIT FAULT OR LIABILITY                                 the property or it is replaced by a third party, you must pay us the
In relation to any claim under this policy you must not admit that    amount of the claim we paid you.
you are at fault, and you must not offer or promise to pay any        BUSInESS TRAVELLERS – HOW GST AFFECTS YOUR CLAIM
money, or become involved in litigation, without our approval.
                                                                      If you are entitled to claim an input tax credit in respect of a
YOU MUST HELP US TO RECOVER AnY MOnEY WE HAVE PAID                    cost for which a claim is made, or would be entitled to an input
If we have a claim against someone in relation to the money we        tax credit if you were to incur the relevant cost (i.e. in replacing
have to pay under this policy, you must do everything you can to      a lost or stolen item), the amount we would otherwise pay will
help us do that in legal proceedings. If you are aware of any third   be reduced by the amount of that input tax credit.
party that you or we may recover money from, you must inform          TRAVEL WITHIn nEW ZEALAnD OnLY
us of such third party.
                                                                      If you are entitled to claim an input tax credit in respect of
IF YOU CAn CLAIM FROM AnYOnE ELSE, WE WILL OnLY MAKE                  your premium you must inform us of the amount of that input
UP THE DIFFEREnCE                                                     tax credit (as a percentage) at the time you first make a claim.
If you can make a claim against someone other than under an           If you fail to do so, you may have a liability for GST if we pay
insurance policy in relation to a loss or expense covered under       you an amount under this policy.
this policy and they do not pay you the full amount of your claim,    FRAUD
we will make up the difference. You must claim from them first.
                                                                      Insurance fraud places additional costs on honest policyholders.
DEPRECIATIOn                                                          Fraudulent claims force insurance premiums to rise. We
Depreciation will be applied to claims for Luggage and                encourage the community to assist in the prevention of insurance
Personal Effects at such rates as reasonably determined by            fraud. You can help by reporting insurance fraud. All information
Mondial Assistance.                                                   will be treated as confidential and protected to the full extent
                                                                      under law. Report insurance fraud by calling Mondial Assistance.
                                34                                                                     35
| Health Tips                                                          CONTACT DETAILS
                                                                       Zuji Claims Enquiries call:
The internet is a great source of health information for travellers.
For vaccination and health advice including information on               0800 630 117 – Customer Service Department
disease outbreaks:
                                                                                        (within New Zealand)
www.cdc.gov or www.who.int or www.smarttraveller.gov.au
                                                                       24 hour Emergency Assistance: call :
BEFORE TRAVEL, COnSULT YOUR HEALTH PROFESSIOnAL
TO DISCUSS:                                                              0800 778 103 – (within New Zealand)
 • Itinerary                      • Pregnancy                            +61 7 3305 7499 – Mondial Assistance
 • Duration of travel             • Allergies                                              (reverse charge from overseas)
 • Style of travel                • Medications
 • Past medical history           • Pre-existing Conditions
 • Vaccination requirements       • Disease prevention                 General Enquiries call:
TIPS FOR LOnG DISTAnCE TRAVELLERS
                                                                         +61 7 3305 7298 – Travel Insurance Help Line
 • Do frequent leg exercise and take deep breaths
   regularly while seated
                                                                                           (reverse charge from overseas)
 • Drink plenty of non-alcoholic beverages to prevent
   dehydration.
The Three R’s of Travel Vaccination
ROUTInE VACCInATIOnS (childhood or adult vaccinations)
 • Tetanus/diphtheria        • Influenza
 • Polio                     • Pneumococcal
 • MMR                       • Varicella
REQUIRED VACCInATIOnS
For instance when crossing international borders certain
vaccinations are required.
 • Yellow Fever                                                        This insurance is underwritten by
 • Cholera                                                             Allianz New Zealand Limited
 • Meningococcal
                                                                       45 Queen Street, Auckland, New Zealand
RECOMMEnDED VACCInATIOnS
There are some vaccinations recommended when travelling
overseas specific to your destination. These may include:              This insurance is arranged and managed by
 • Hepatitis A                   • Poliomyelitis
 • Hepatitis B                   • Rabies
                                                                       ETI Australia Pty Ltd
 • Typhoid                       • Cholera                             ABN 52 097 227 177
 • Japanese Encephalitis
                                                                       AFSL 245631
Please see your doctor to identify your specific needs.
                                                                       PO Box 162, Toowong QLD 4066

                                                                       Zuji Pty Ltd
                                                                       ABN 18 096 920 866
                                                                       AR 271915
                                                                       is an authorised representative of
                                                                       ETI Australia Pty Ltd
                                 36

								
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