13
conditions, symptoms or circumstances for which advice, care, treatment,
medication or medical attention has been sought, given, or recommended,
prior to Your Start Date of Insurance.
‘Financial Collapse’: any service provider (including any education
provider) You are relying on for Your Journey that:
(a) is not able to pay its debts as they fall due for payment in the ordinary
course of business; or
(b) ceases to carry on normal business operations; or
(c) has not paid another service provider whose services You are relying on;
or
(d) is placed in receivership or liquidation; or
(e) becomes subject to statutory management.
‘Home Country’: the country of origin nominated by You as being the
country in which You principally resided prior to Your Start Date of Insurance.
‘Illness’: a symptom, sickness or disease (whether diagnosed or
undiagnosed) which first manifests itself during Your Period of Insurance.
‘Immediate Family’: Your Spouse, fiancé, fiancée, parent, sibling, child,
stepchild, foster child, niece, nephew, grandparent, grandchild, parent-in-law,
brother and sister-in-law, son and daughter-in-law.
‘Injury’: a bodily injury caused solely and directly by accidental, visible and
external means, that occurs during Your Period of Insurance.
‘International Student’: the name of this travel insurance Policy.
‘Journey’: Your time away from Your Home Country, which commences on
Your Start Date of Journey, and ceases on Your End Date of Insurance. Your
Journey also includes:
(a) departing Your Home Country travelling to New Zealand (inclusive of
transit stops) for up to 10 days; and
(b) departing New Zealand travelling to Your Home Country (inclusive of
transit stops) for up to 10 days; and
(c) multiple leisure holidays from New Zealand to Australia and the South
Pacific and returning to New Zealand, for up to 31 days; and
(d) any visits to Your Home Country of not more than 90 days during Your
Period of Insurance, provided You intend to return to New Zealand and
hold a return ticket back to New Zealand at all times.
Cover is only provided under Section 2 Changes to Your Journey for domestic
Travel Arrangements in:
(a) New Zealand that involves travel to a destination which is more than
250 km from Your usual place of residence in New Zealand; or
(b) New Zealand or Your Home Country which is related to Your international
travel which has a connecting international flight within 24 hours.
‘Manual Work’: any trade, work of a physical nature, hazardous work or
work that is not undertaken in an office.
‘Medical Expenses’: reasonable expenses necessarily incurred by You
during Your Journey in respect of hospital, medical, surgical, nursing home
or other remedial attention or treatment given or prescribed by a registered
medical practitioner, excluding dental treatment (except as provided under
Section 1.4 Emergency Dental Treatment). For the purpose of this definition,
‘reasonable expenses’ are the expenses incurred for the standard level
of hospital, medical, surgical, nursing home or other remedial attention or
treatment given in the country You are in.