BNZ Platinum Credit Card Insurances.Frequently Asked Questions.

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Frequently Asked Questions

L. Frequently Asked Questions The following are the answers to some common questions you may have in relation to 90 Day Platinum International Leisure Travel Insurance. They do not form part of the policy document. They are intended as a guide only. If you have any further questions or queries. Please contact 0800 269 872.

1. Q. Can I extend my cover for a duration exceeding 90 days? A. Yes. You have the option of purchasing up to 10 additional days

cover. These must be purchased for each and every trip you take that exceeds 90 days. Please call 0800 269 872.

2. Q. I have arranged two trips, each for 80 days. Will this put me over the 90 days cover?

A. The 90 day maximum applies to each individual journey. Therefore if you take two individual journeys of 80 days each, you will be covered for each journey. You must return to New Zealand prior to taking the second 80 day journey.

3. Q. How do I cover my Accompanying Spouse and/or Dependent Children?

A. You and your accompanying spouse and/or dependent children are covered under this 90 Day Platinum International Leisure Travel Insurance policy if you have satisfied the requirements in clause C. Insurance Eligibility clause. If you have any further questions regarding the cover under this policy please contact 0800 269 872.

4. Q. Are Pre-Existing Medical Conditions covered? A. No, however, depending on the nature of the condition, you may

be able to arrange paid cover for medical expenses by calling 0800 269 872. We reserve the right to decline a request for cover for your pre-existing medical condition.

5. Q. I am 75 to 89 years of age, what cover limitations apply? A. Under section I. 1. (Cancellation, overseas medical and

additional expenses): 1. The cancellation sum insured is limited to a maximum

of $5,000 per person. 2. In addition there is no cover for:

(a) Medical expenses; (b) Medical related expenses (including but not limited

to medical repatriation/evacuation or accompanying person expenses);

(c) Extra travel expenses arising from your injury or illness; (d) Return of mortal remains/burial expenses, and/or (e) The bed care cash benefit.

Under section I. 6. there is no cover under the Loss of Income. For details on how to obtain cover please refer to clause B. Application for Cover for the Mature Traveller Each and Every Journey. Please note that you will not be charged for the sections that you are automatically covered for under the policy.

6. Q. What if I am 90 years or older? A. You are not eligible for cover under any section of this policy.

However we can provide an option to purchase BNZ Travel Insurance. It is a single trip leisure travel insurance underwritten by Cigna and is not part of the 90 Day Platinum International Leisure Travel Insurance.

7. Q. What if I am unsure if a sport or activity I will be participating in is considered hazardous?

A. Should you have any doubt as to whether a sport or activity you or your family will be participating in while travelling is considered hazardous, please call 0800 269 872.

8. Q. I am travelling for business purposes. Am I still covered? A. Business related travel (including journeys with a mixture of

business and leisure travel) will only be covered if you hold a BNZ Advantage Business card. You must still meet the policy activation criteria of either the BNZ Advantage Business Card or a valid personal BNZ Platinum (including BNZ Advantage Platinum) card that you hold. Please note that manual or hazardous work activities will not be covered regardless of what type of card you hold. If you are unsure if your business activities are considered to be hazardous, please contact 0800 269 872 to discuss. You can be covered as an individual if you are travelling purely for leisure accompanying your spouse who is travelling for business. Your spouse would not be eligible for cover unless you hold a BNZ Advantage Business Card.

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