Travel Insurance Glossary of Terms

An unexpected event caused by something external and visible, which results in physical bodily injury.

• Worldwode including - United Sates of America, Canada and the Caribbean
• Worldwide excluding - United States of America, Canada, and the Caribbean
• Africa & Indian Ocean Islands which includes Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central African Republic, Chad, Comoros, Congo, Congo Democratic Republic of, Cote d'Ivoire, Djibouti, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Kenya, Lesotho, Liberia, Libya, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Rwanda, Sao Tome & Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Swaziland, Tanzania, Togo, Tunisia, Uganda, Zambia and Zimbabwe.
• Schengen countries  - Includes Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
• Domestic provides cover for South Africa only.
  

Beneficiary will be the legal heirs of the person insured.

Any person in your home country that you work closely with, whose absence from work means that the director of your business needs you to cancel or cut short your journey.

The document issued by the insurer that is used to verify the existence of your Travel Insurance.

Your mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law), wife, husband, fiancé, partner, son (in-law),daughter (in-law), step child, foster child, grandparent or grandchild, uncle, aunt, step brother, step sister.

The airport where your journey from your home country to your destination begins and where the final part of your journey back to your home country begins.

A legally qualified doctor holding the necessary certification in the country in which they are currently practising, other than you or a relative.

Medical condition resulting from illness or accident and requiring emergency hospital admission, and for which delay in treatment beyond the next official working day could reasonably be expected to result in significant and permanent impairment to the life, health, bodily functions and or organ of the person insured.

The deduction we will make from the amount otherwise payable under this policy for each insured person, for each section, for each claim incident. For example a couple that both have personal belongings stolen from their bag and both incur a medical expense during the same journey, will have a total of four excesses deducted. Two of these will be for the two claims under section 7 ( Personal Belongings and Baggage & Personal Money) and two of these will be for the two claims under section 2 (medical).

Two adults and up to 8 of their children (including foster children) aged 18 and under if in full time education. All persons must live at the same address. All persons insured must travel together under single trip policies. For annual multi-trip policies only the policyholder or their spouse shall be covered under the policy when travelling alone. Single parent families are also considered under family plans.

The following activities are automatically covered:

• Abseiling, archery, athletics, ballooning - hot air (organised pleasure rides only), banana boating, bungee jumping, canoeing
  (up to grade 2 rivers only not white water), climbing wall, cricket, deep sea fishing, football or soccer (children’s club in resort
  only), glacier walking, golf, high rope activities, hiking (trekking and walking), hockey (under 16’s using plastic sticks), horse
  riding (not competitions, racing, jumping, hunting, eventing, polo or rodeo), hot air ballooning (organised pleasure rides only),
  ice skating or blade skating (not speed skating), kayaking (up to grade 2 rivers only, not white water), mountain biking,
  parascending or parasailing (over water), pony trekking, rap jumping, ringos, roller skating or roller blading (wearing pads and
  helmets), rowing, sail boarding or windsurfing, safari trekking in a vehicle (organised tour), safari trekking on foot (organised
  tour), scuba diving to 30m, sledging (pulled by dogs or horses or reindeer as a passenger), snorkelling, surfing, tug of war,
  volley ball, wake-boarding, water polo, water-skiing, white water rafting (up to grade 3 river), windsurfing or sail boarding, ziptrekking
  (including over snow), zorbing.

There is no cover for:

• any professional sporting activity; or
• any kind of racing except racing on foot; or
• any kind of manual work.

We may be able to cover you for other activities that are not listed. Please contact us on telephone 
+27 87 195 0581 or email: travelza@allianz-assistance.com

Your usual place of residence in South Africa.

An indirectly related claim means a medical problem that is more likely to happen because of another medical problem you already have. Sometimes these conditions can lead to the development of other conditions. For example if you:

• suffer from asthma, chronic obstructive pulmonary disease or other lung disease, you are more likely to get a chest infection.
• have high blood pressure, high cholesterol or diabetes, you are more likely to have a heart attack or a stroke.
•  have osteoporosis, you are more likely to break or fracture a bone.
• have or have had cancer, you are more likely to suffer with a secondary cancer.
  

Allianz Global Corporate & Specialty SA Limited (AGCS SA). The Firs, 2nd Floor, 32 A Cradock Avenue, Rosebank, 2196, South Africa. FSP No: 16722.

Any unexpected sickness that you acquire during the insured journey and that requires you to seek medically necessary emergency medical attention from a doctor or medical facility.

A trip that takes place during the period of insurance which begins when you leave home or place of work (whichever is later) and ends when you get back home, to a hospital or nursing home or place of work in your home country, whichever is earlier.

For single trip cover

• You will only be covered if you are aged 70 or under at the date your policy was issued.
• Trips within your home country are not covered unless covered by Domestic Travel Insurance
• Any other trip which begins after you get back is not covered. 
• A trip which is booked to last longer than 92 days is not covered.

For annual multi-trip cover

• You will only be covered if you are aged 70 or under at the start date of your policy.
• Cover is for short trips of 92 days or less per trip only. There is absolutely no cover offered by this policy whatsoever fortrips which are longer than the 90 days per trip. This would include not insuring you for any part of a trip that is booked to last longer than 90 days in duration, unless we agree otherwise in writing.
• Trips within your home country are not covered unless covered by Domestic Travel Insurance.
  

Work carried out to support a claim that we have agreed to. This includes settlement negotiations, hearings in a civil court, arbitration and any appeals resulting from such hearings. 

Fees, costs and expenses (including Value Added Tax or the equivalent local goods and services tax) which we agree to pay for you in connection with legal action. Also, any costs which you are ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay.

A service or treatment which is appropriate and consistent with diagnosis and which, in accordance with generally accepted medical standards, could not have been omitted without adversely affecting the person insured’s condition or the quality of medical care rendered. 

A number of items of personal belongings that belong together or can be used together.

For single trip cover:

• Cancellation cover begins from the issue date shown on your certificate of insurance and ends at the beginning of your journey. The cover for all other sections starts at the beginning of your journey and finishes at the end of your journey or at the expiry of your policy, whichever is earlier.

For annual multi-trip cover:

• Cancellation cover begins on the start date shown on your certificate of insurance or the date you booked your journey,whichever is the later and ends at the beginning of your journey. The cover for all other sections starts at the beginning of your journey and finishes at the end of your journey or at the expiry of your policy, whichever is earlier.

For single trip and annual multi-trip cover:

• All cover ends on the expiry date shown on your certificate of insurance, unless you cannot finish your journey as planned because of death, injury or illness or there is a delay to the public transport system that cannot be avoided. In these circumstances, we will extend cover free of charge until you can reasonably finish that journey.

Each of your suitcases, trunks and similar containers (including their contents) and articles worn or carried by you (including your valuables).

• An ongoing medical or dental treatment or dental condition 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 and chiropractor) prior to policy issuance.
• Any condition for which you take prescribed medicine or see a medical specialist.
• Any condition for which you have had surgery.
  

A person who has their main home in South Africa and has not spent more than six consecutive months abroad during the year before the policy was issued.

This consists of skis, poles, boots, bindings, snowboards or ice skates.

Hired ski equipment, ski school fees and lift passes.

Any person that has booked to travel with you on your journey.

Terrorism is a loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. An act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public in fear.

Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, laptop, television, fax and phone equipment (including mobile phones),MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.

Allianz Global Corporate & Specialty SA Limited (AGCS SA) and Allianz Travel which administers the insurance on behalf of the insurer.

Each person shown on the certificate of insurance, for whom the appropriate premium has been paid.