Allianz - glossary

Insurance Glossary

Insurance mumbo-jumbo, in plain English.

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.

A-H

Accident

Accident

An unexpected event caused by something external and visible, which results in physical bodily injury, leading to total and permanent loss of sight, total and permanent loss of use of a limb or permanent disablement or death, within a year of the incident.

Area of cover

  • Worldwode including - United Sates of America, Canada and the Caribbean
  • Worldwide excluding - United States of America, Canada, and the Caribbean
  • Schengen countries  - 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.

Beneficiary

Beneficiary will be the legal heirs of the person insured.

Business associate

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 curtail 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.

Departure point

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.

Doctor

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

Emergency

Medical condition resulting from sickness 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.

Excess

The deduction we will make from the amount otherwise payable under this policy for each insured person, for each section, for each claim incident.

Family

Two adults aged 65 and under and up to 8 of their children (including step children and foster children) aged 16 and under (21 and under if they are in full time education) when the appropriate premium has been paid. All persons must live at the same address and be travelling together. All ages referred to are at the date of travel. 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 covered under family plans.

Hazardous Activities

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 UAE +971 4270 8705 or email: travel@nextcarehealth.com

Home

Your usual place of residence in the United Arab Emirates where you live.

I-Z

Insurer

Alliance Insurance PSC, P O Box 5501, Dubai, U.A.E

Journey

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 75 or under at the date your policy was issued.
  • Trips within your home country are not covered.
  •  Any other trip which begins after you get back is not covered.
  •  A trip which is booked to last longer than 90 days is not covered.

For annual multi-trip cover

  • You will only be covered if you are aged 75 or under at the start date of your policy.
  • Cover is for short trips of 90 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.
  • you will be covered for taking part in winter sports activities for up to 17 days in total during the period of insurance when the appropriate extra premium has been paid and you are under the age of 65 years old.

Medically Necessary

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 possessions (not including Ski Equipment) that belong together or can be used together.

Period of insurance

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.

Personal possessions

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

Pre- Existing medical condition

A pre-existing condition means:

  • 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.


Resident

A person who is a Citizen or who has Resident Status in the United Arab Emirates and are travelling from and returning to the United Arab Emirates.

Single parent families

One adult aged 65 and under and your children (including step children and foster children) aged 16 and under (21 and under if they are in full time education) when the appropriate premium has been paid. All persons must live at the same address and be travelling together. All ages referred to are at the date of travel.

Ski equipment

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

Ski pack

Hired ski equipment, ski school fees and lift passes.

Travelling companion

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.

Valuables

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

NEXtCARE, 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.