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.
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
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 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.
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 close relative.
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.
The deduction we will make from the amount otherwise payable under this policy for each insured person, for each section, for each claim incident.
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.
Your usual place of residence in the United Arab Emirates where you live.
Alliance Insurance PSC, P O Box 5501, Dubai, U.A.E
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
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 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.
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
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.