Some words in your policy that have special meanings are defined here.

AICD/ICD means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD).

Arises or Arising means directly or indirectly arising or in any way connected with.

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.

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.

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.

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.

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.

Home means the place where you normally live in Australia.

Hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.

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.

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.

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.

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.

Medical Adviser means a qualified doctor of medicine or dentist registered in the place where you receive the services.

Normally Earn means:

Open Water Sailing means sailing more than 10 nautical miles off any land mass.

Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race.

Pre-existing Medical Condition means:

  1. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
  2. A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor);
  3. Any condition for which you take prescribed medicine;
  4. Any condition for which you have had surgery;
  5. Any condition for which you see a medical specialist; or
  6. Pregnancy.
PLEASE NOTE: This definition applies to you, your travelling companion or a relative.

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.

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.

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.

Sick or Sickness means a medical condition, not being an injury, which first occurs during your period of cover.

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.

Unsupervised means:

We, Our and Us means Allianz Australia Insurance Limited.

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.