Product DisclosureStatement (PDS), including Policy Wording
Please read carefully with the document that you can download here.
This PDS contains information on this Policy’s main benefits and features and is designed to help You decide if this travel insurance is right for You.
Understanding Your Policy
The Policy Wording outlines the Policy’s features, benefits, terms, conditions and exclusions. Please ensure You read and understand the Policy Wording, including:
- ‘Schedule of Benefits’ (page 10) which states the section limits and sub limits for the Policy and cover type You select.
- ‘Definitions’ (page 12) which sets out the definitions of certain words that appear throughout the PDS and the Policy Wording. Words which are defined begin with capital letters and have specific meanings.
- ‘General conditions of this Policy applying to all sections’ (page 16).
- ‘General exclusions of this Policy applying to all sections’ (page 19).
In relation to any claim made under any section of this Policy, the maximum amount We will pay, subject to any applicable sub limit, is the section limit specified in the Schedule of Benefits.
To be eligible for this Policy, You must hold a current New Zealand work visa or visitor visa or be exempt from the requirements to hold a visa to visit New Zealand. You are not eligible for this Policy if You:
- are a citizen or permanent resident of New Zealand;
- are travelling to New Zealand with the intention of obtaining medical or dental treatment, cosmetic surgery or related advice; or
- have been advised by a registered medical practitioner that You are not fit to travel.
Please refer to general condition 24 (page 17).
How to Apply
You can buy a Visiting New Zealand Policy online at www.scti.co.nz or by completing an application form through a Designated Agent.
A requirement of this Policy is that You must have access to a valid email address in order for SCTI to communicate with You on all matters relating to Your Policy. Please refer to general condition 7 (page 16).
If We accept Your application for insurance, We provide confirmation of this by emailing You:
- a copy of Our PDS, including Policy Wording; and
- Your Certificate of Insurance, which sets out details of Your Policy including Your premium, the Policy and plan type, Your Start Date of Journey, End Date of Insurance, and any conditions applying to Your Policy; and
- if applicable, written confirmation of cover for specified items.
Together, these documents set out the terms and conditions of Your Policy.
There are two plans available:
- ‘Visiting NZ Max’: provides cover under all sections of the Policy (sections 1 – 7).
- ‘Visiting NZ Essentials’: provides cover under sections 1 – 6 only.
Please refer to general condition 25 (page 18).
There are two cover types available:
- ‘Individual’: applies to one person or one adult and any of his or her Dependent Children, all of whom are named on the Certificate of Insurance and are travelling together on the same itinerary.
- ‘Family’: applies to one person or one adult, and his or her Spouse and any of their Dependent Children, all of whom are named on the Certificate of Insurance and are travelling together on the same itinerary.
Please refer to general condition 26 (page 18).
When You apply for Your Policy, You will be advised of the premium. The premium is based on a number of factors, including the plan, cover type, number and age of people covered, length of Journey and specified items. Your total premium will include government taxes, including Goods and Services Tax (GST) if applicable.
If You are not completely satisfied with Your Policy, You have cooling off rights and may be entitled to a refund of Your premium. Please refer to general condition 39 (page 19).
Limits on Cover
You need to be aware that cover under this Policy contains limits. A summary of some of the key limits is set out in this PDS. Full details of Your cover are set out in the Policy Wording. Some examples are:
- This travel insurance Policy is designed for temporary visitors working or travelling in New Zealand. If You are injured or become ill and the cost of medical and/or additional expenses is likely to exceed the cost of evacuation, We are entitled to return You to Your Home Country if You are medically fit to fly. The standard of medical care available in Your Home Country will not affect Our decision to fly You home.
- If You have applied for New Zealand Permanent Residency and are injured or become ill, We are still entitled to return You to Your Home Country if You are medically fit to fly. So if You are thinking about living permanently in New Zealand, We would strongly recommend that You review Your Policy and its suitability for Your circumstances. Once You are a permanent resident of New Zealand, You are no longer eligible for cover under this Policy.
- Where a particular benefit has no sub limit specified, the section limit set out in the Schedule of Benefits on page 10 is the maximum amount We will pay for all claims under that section.
Your Pre-Existing Conditions are excluded under this Policy.
We consider any medical or physical conditions, symptoms or circumstances which You are aware of, or a reasonable person in Your circumstances ought to have been aware of, prior to Your Start Date of Insurance to be Pre-Existing Conditions, regardless of whether or not a diagnosis has been made.
There are also some conditions that We are unable to offer cover for. These are listed under ‘General exclusions of this Policy applying to all sections’.
Please refer to general exclusions 1, 2, 3, 4 and 5 (page 19) and the ‘Pre-Existing Condition’ definition (page 14).
Your Obligations After Your Start Date of Insurance but Prior to Your Start Date of Journey
You must notify Us at email@example.com of any Illness or Injury that arises after Your Start Date of Insurance but prior to Your Start Date of Journey.
Private hospital treatment is not automatically covered under this Policy so You must first seek public hospital treatment if at all possible. Please refer to ‘Losses We do not cover under section 1’ (a) (page 23).
Changes to Your Journey Relating to an Immediate Family member
Cover under section 2 is only available for Unexpected Events that directly relate to You, or an Immediate Family member located in Your Home Country.
It is important to consider the health of Your Immediate Family when You arrange travel insurance. There are limits on when and what cover is available where a claim involves an Existing Condition of an Immediate Family Member. Please refer to the ‘Existing Condition of an Immediate Family Member’ definition (page 12), ‘Conditions applying to section 2’ (page 25) and ‘Sub limits applying to section 2’ (page 26).
Cover for Your Personal Items
If You have a ‘Visiting NZ Max’ Policy and Your personal items are lost, stolen or damaged, We are entitled to choose between repairing the item, issuing a store credit at a supplier of Our choice, or paying You in accordance with the benefit under section 7.1 (page 30).
There is limited cover for high value items under this Policy. If You are taking high value items with You on Your Journey and You would like these items covered at their current value, You must specify them during the application process. An additional premium will be payable for this additional cover.
For specified items, there are specific proof of ownership and value requirements under this Policy. If You cannot meet these requirements, this Policy may not be right for You. Please refer to the ‘Schedule of Benefits’ (page 10), section 7 (page 30) and ‘Conditions applying to sections 6 & 7’ (page 30).
When & Where Cover Starts & Ends
Cover commences under sections 2.1 and 2.4 on Your Start Date of Insurance. Cover under all other sections of the Policy commences on Your Start Date of Journey, and You are covered:
- while in New Zealand; and
- departing Your Home Country travelling to New Zealand (inclusive of transit stops) for up to 5 days; and
- departing New Zealand travelling to Your Home Country (inclusive of transit stops) for up to 5 days.
You are not covered while in Your Home Country.
Cover ceases on Your End Date of Insurance.
Please refer to the ‘Start Date of Insurance’ definition (page 15), ‘Start Date of Journey’ definition (page 15) and ‘End Date of Insurance’ definition (page 12).
When You need assistance, contact Southern Cross Worldwide Assistance on +64 9 359 1602, 24 hours a day, 7 days a week. Under some circumstances, You are required to contact Southern Cross Worldwide Assistance. Please refer to general condition 8 (page 16).