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Contract All Definitions |
Expand All Definitions
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Some words in your policy that have special meanings are defined here.
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AICD/ICD |
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AICD/ICD means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD).
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Arises or Arising
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Arises or Arising means directly or indirectly arising or in any way connected with.
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Carrier or Carriers
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Carrier or Carriers means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purposes of transporting passengers. This definition excludes taxis.
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Chronic
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Chronic means a persistent and lasting condition in medicine. We do not consider that chronic pain has to be 'constant' pain, however in many situations is has a pattern of relapse and remission. The pain, disease or medical issue may be long-lasting, reccurent (occurred on more than 2 occasions) or characterised by long suffering.
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Dependant
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Dependant means your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the journey.
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Epidemic
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Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.
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Excess
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Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.
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Home
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Home means the place where you normally live in Australia.
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Hospital
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Hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.
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Injure or Injured or Injury
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Injure or Injured or Injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happensat a definite time and place during your period of cover and does not result from any illness, sickness or disease.
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Journey
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Journey means the time from when you leave your home to go directlyto the place you depart from on your travels, and ends when you returnto your home.
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Locked Storage Compartment
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Locked Storage Compartment means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome.
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Luggage and Personal Effects
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Luggage and Personal Effects means any personal items owned by you and that you take with you, or buy, on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it doesnot mean any business samples or items that you intend to trade.
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Medical Adviser
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Medical Adviser means a qualified doctor of medicine or dentist registered in the place where you receive the services.
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Normally Earn
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Normally Earn means:
- If you are an employee, your average weekly base rate after tax over the 12 months before your journey began.
- If you are not an employee, your average weekly income from personal exertion after deducting income and all tax deductible expenses over the twelve months before your journey. However, if you haven’t been working continuously for that period, it means the average for the time you were working continuously.
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Open Water Sailing
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Open Water Sailing means sailing more than 10 nautical miles off any land mass.
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Pandemic
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Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race.
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Pre-existing Medical Condition
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Pre-existing Medical Condition means:
- An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
- A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor);
- Any condition for which you take prescribed medicine;
- Any condition for which you have had surgery;
- Any condition for which you see a medical specialist; or
- Pregnancy.
PLEASE NOTE: This definition applies to you, your travelling companion or a relative.
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Public Place
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Public Place means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas.
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Reasonable
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Reasonable means, for medical or dental expenses, the standard levelof care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your journey or, as determined by us.
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Relative
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Relative means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or your Travelling Companion’s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.
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Sick or Sickness
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Sick or Sickness means a medical condition, not being an injury, which first occurs during your period of cover.
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Travelling Companion
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Travelling Companion means a person with whom you have made arrangements to travel with you for at least 75% of your journey before you entered into your policy.
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Unsupervised
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Unsupervised means:
- leaving your Luggage and Personal Effects with a person you did not know prior to commencing your Journey.
- leaving it in a position where it can be taken without your knowledge; or
- leaving it at such a distance from you that you are unable to prevent it being taken.
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We, Our and Us
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We, Our and Us means Allianz Australia Insurance Limited.
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You and Your
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You and Your means the person whose name is set out in your Certificate of Insurance and everyone else who is covered under your policy.
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As a market leader, Worldcare Travel Insurance offers you total in-house service
from arranging your insurance to paying your claim. This flexibility and knowledge
enables us to innovate and let you design your own policy!
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Allianz Global Assistance Australia is a leading provider of travel insurance &
student health cover, as well as roadside & property assistance. Around the
clock, around the world, we're always ready to help you - whatever it takes.
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The Allianz Group is one of the largest and most renowned insurance and financial
services providers in the world.
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Representing an international network of strong brands with first class products,
Allianz brings together the expertise of specialists in property and casualty insurance,
life and health insurance, asset management and banking.
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