SCTI definitions

Definitions of some of the more commonly used terms on our website follow. For the full list of definitions, please refer to the Product Disclosure Statement (PDS).

Dependent Children: Your unmarried children, stepchildren, foster children, grandchildren, nieces and nephews, who are aged 17 years or under on your start date of insurance and are primarily dependent on the adult(s) named on the Certificate of Insurance.

Excess:  the amount of any claim you are responsible for. This amount will be deducted from any claim payment.

Illness:  a sign, symptom, sickness, condition or disease (whether diagnosed or undiagnosed).

Injury:  physical bodily harm caused by accidental means.

Journey:  Your time away from New Zealand, which commences on your start date of journey and ceases on your end date of journey. 

Special Event:  a wedding, funeral, conference, concert, show, festival or sporting event.

Unexpected Event:  a cause or event that occurs during your period of insurance that:

  1. was sudden, unforeseeable or unintended; and
  2. was outside of your control; and
  3. could not reasonably have been anticipated or avoided.