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For international travel only

The table below sets out a summary only of the cover that is provided under each plan and the most we will pay in total for all claims under each section.
IMPORTANT - PLEASE NOTE: A MAXIMUM TOTAL LIMIT APPLIES FOR ALL CLAIMS BY ALL INSURED PERSONS UNDER CERTAIN SECTIONS AND OTHER LIMITS, SUB-LIMITS, CONDITIONS AND EXCLUSIONS APPLY. WHERE USED, ‘UNLIMITED’ ONLY MEANS THAT THERE IS NO CAPPED DOLLAR SUM INSURED AND ALL COSTS AND EXPENSES MUST BE REASONABLE. TERMS, CONDITIONS, LIMITS AND EXCLUSIONS APPLY AS SET OUT IN YOUR POLICY WORDING, PARTICULARLY IN SECTIONS 1a, 1c, 1d, 1e, 1f, 1g, 1j, 2a, 2c, 2d, 2e, and 2f. UNDER SECTION 2 (MEDICAL BENEFITS), WE WILL ONLY PAY FOR COSTS INCURRED WITHIN 12 MONTHS OF THE ILLNESS OR INJURY. YOU DO NOT HAVE COVER UNDER CERTAIN SECTIONS OF THIS POLICY WHILE TRAVELLING IN NEW ZEALAND.

Policy Option Comprehensive Essentials Frequent Flyer
SECTION 1: CANCELLATION / TRAVEL DISRUPTION BENEFITS
1a.* Loss of Deposits Unlimited $5,000 Unlimited
1b. Cancellation of Journey Paid in Full Unlimited $5,000 Unlimited
1c. Curtailment Unlimited $5,000 Unlimited
1d. Missed connection $15,000 $500 $15,000
1e. Travel delay $15,000 $500 $15,000
1f. Frequent flyer points $5,000 Nil $5,000
1g. Resumption of travel $10,000 Nil $10,000
1h. Strikes and Hijacks $10,000 Nil $10,000
1i. Evacuation – Civil Unrest Pacific Islands $1,500 Nil $1,500
1j. Additional expenses as a result of an Act of Terrorism $3,000 Nil $3,000
SECTION 2: MEDICAL BENEFITS
2a.* Overseas medical expenses Unlimited $250,000 Unlimited
2b. Terrorism – overseas medical expenses $250,000 Nil $250,000
2c. Emergency dental expenses
        Emergency Dental Treatment – pain relief only $1,000 Nil $1,000
        Emergency Dental Treatment – as a result of an injury $3,000 $500 $3,000
2d.* Incidental hospital expenses $4,000 Nil $4,000
2e. Accompanying person costs $15,000 Nil $15,000
2f. Search and rescue – natural disaster $20,000 Nil $20,000
SECTION 3: LIFE BENEFITS
3a. Funeral expenses $25,000 $10,000 $25,000
3b. Accidental death or permanent disablement $50,000 Nil $50,000
3c. Accidental death or permanent disablement as a result of terrorism $25,000 Nil $25,000
SECTION 4: BAGGAGE, PERSONAL EFFECTS AND MONEY BENEFITS
4a. Personal Baggage – Total limit (including any items insured in Section 4c) $30,000 $5,000 $30,000
        Personal Baggage Item Limit $1,500 $750 $1,500
        Personal Baggage - Special Limit (electronic equipment, video and camera equipment) $2,500 Nil $2,500
4b.* Emergency baggage limit $1,500 $250 $1,500
4c. Specified high value items
        Maximum Value Per item $10,000 Nil $10,000
        Maximum Total Value $20,000 Nil $20,000
4d. Travel Documents $3,000 $500 $3,000
4e. Personal Money $500 Nil $500
4f. Additional expenses as a result of an Act of Terrorism $3,000 Nil $3,000
SECTION 5: PERSONAL LIABILITY BENEFITS
5a. Rental vehicle excess $6,000 $1,000 $6,000
5b. Personal liability $2,500,000 $500,000 $2,500,000
5c. Defence costs – including wrongful arrest $10,000 Nil $10,000

*Sub-limits apply - please read this Policy Wording in full for details.

Note all limits and premiums are in New Zealand dollars.


AMP insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter.

You should read the Policy Wording and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits and exclusions apply.

Mitsui Sumitomo Insurance Company, Limited - Financial Strength Rating.

Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings. The S&P Global rating scale* in summary form is:

AAAExtremely Strong
BBMarginal
RUnder Regulatory Supervision
AAVery Strong
BWeak
SDSelective Default
AStrong
CCCVery Weak
DDefault
BBBGood
CCExtremely Weak
NRNot Rated

The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.
Further information on the S&P Global ratings is available here www.spglobal.com/ratings/en/products-benefits/products/financial-strength-rating.

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0800 161 810
A: PO Box 33 313, Takapuna, North Shore City 0740
P: 0800 161 810
F: 0800 800 167

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