When the following words and phrases appear in the policy document or booking confirmation, they have the meaning given below. These words appear in bold print.
An unexpected event caused by something external and visible, which results in physical bodily injury.
Area of cover
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.
Certificate of insurance
The document issued by the insurer that is used to verify the existence of your Travel Insurance.
Close relative or family member
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.
Your usual place of residence in South Africa.
Indirectly related claims
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.
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.
Pair or set
A number of items of personal belongings that belong together or can be used together.
Period of insurance
Personal Belongings & Baggage
Each of your suitcases, trunks and similar containers (including their contents) and articles worn or carried by you (including your valuables).
Pre- Existing medical condition
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 / Act of Terrorism
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.
We, our, us
Allianz Global Corporate & Specialty SA Limited (AGCS SA) and Allianz Global Assistance which administers the insurance on behalf of the insurer.
You, your, insured person
Each person shown on the certificate of insurance, for whom the appropriate premium has been paid.
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Travel Insurance, Underwritten by Allianz Global Corporate & Speciality South Africa Limited, an Authorised Financial Services Provider FSP NO: 16722 (AGCS SA), The Firs, 2 nd Floor, 32A Cradock Avenue, Rosebank 2196 South Africa. The policy is administered by Allianz Global Assistance, Eiffel Boulevard Limited Building (Eiffel 2), 1 st floor, Umm Al Sheif, Sheik Zayed Road, P.O. Box 80864, Dubai, UAE.