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.

*The $15 price advertised is for TravelCare purchased online, Single Journey, 2 days individual cover for ages 0-64 travelling to Australia, Fiji, Samoa & other Pacific Island destinations. The advertised price does not include any specified items or surcharges for pre-existing medical conditions. 

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

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