Travel Insurance Glossary of Terms

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, permanent disablement, or death within one year of the incident.

The geographical region within which your policy is valid. Options are:

• Worldwide including United States of America, Canada, and the Caribbean
• Worldwide excluding United States of America, Canada, and the Caribbean
• Schengen countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland

The person or persons entitled to receive the benefit of a claim. Under this policy, the beneficiary will be the legal heirs of the insured person.

Any person in your home country that you work closely with, whose absence from work means that the director of your business requires you to cancel or cut short your journey.

The official document issued by the insurer confirming that a valid travel insurance policy is in place. This is the document required for Schengen visa applications and is emailed to you immediately upon purchase.

Your mother (including mother-in-law), father (including father-in-law), step-parent (including step-parent-in-law), sister (including sister-in-law), brother (including brother-in-law), wife, husband, fiancé, partner, son (including son-in-law), daughter (including daughter-in-law), step-child, foster child, grandparent, grandchild, uncle, aunt, step-brother, or step-sister.

Cutting short a trip that has already begun and returning home earlier than originally planned, due to a covered reason such as a medical emergency, bereavement of a close relative, or a serious incident at your home.

The airport where your journey from the UAE to your destination begins, and where the final leg of your return journey to the UAE starts.

A legally qualified and registered medical practitioner holding the necessary certification in the country where they are currently practising, who is not you or a close relative.

A medical condition resulting from sudden illness or an accident that requires immediate hospital admission. Delay in treatment beyond the next official working day would reasonably be expected to result in significant and permanent impairment to the life, health, bodily function, or organ of the insured person. Planned or elective treatment does not meet this definition.

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 18 and under (or 21 and under if they are in full-time education), when the appropriate family premium has been paid. All members must live at the same residential address and must be travelling together. All ages are calculated at the date of travel. For Annual Multi-Trip policies, the policyholder or their spouse is covered when travelling alone. Single-parent families are also covered under family plans.

The following activities are covered under a standard policy without requiring the Sports Add-on:

• Abseiling, archery, athletics, hot air ballooning (organised pleasure rides), banana boating, bungee jumping, canoeing (up to grade 2 rivers, not white water), climbing wall, cricket, deep sea fishing, recreational football or soccer (children's club in resort only), glacier walking, golf, high rope activities, hiking, trekking and walking, hockey for under-16s using plastic sticks, horse riding (not competitions, racing, jumping, hunting, eventing, polo, or rodeo), ice skating or blade skating (not speed skating), kayaking (up to grade 2 rivers, not white water), mountain biking, parascending or parasailing over water, pony trekking, rap jumping, ringos, roller skating or rollerblading wearing protective equipment, rowing, sail boarding or windsurfing, safari trekking in a vehicle (organised tour), safari trekking on foot (organised tour), scuba diving to 30 metres, sledging as a passenger, snorkelling, surfing, tug of war, volleyball, wake-boarding, water polo, water skiing, white water rafting up to grade 3, zorbing, and zip-trekking including over snow.
  
  There is no automatic cover for any professional sporting activity, any racing activity other than running, or any manual work. Contact us for activities not listed.

Your usual place of residence in the United Arab Emirates where you permanently live.

A trip that takes place during the period of insurance. It begins when you leave home or place of work (whichever is later) and ends when you return home, to a hospital or nursing home, or to your place of work in the UAE, whichever is earlier.

For single trip cover:

• You will only be covered if you are aged 85 or under at the date your policy was issued.
• Trips within the UAE are not covered.
•  
• Any trip booked to last longer than 90 days is not covered.

For annual multi-trip cover:

• You must be aged 85 or under at the policy start date.
• Each individual trip must be 90 days or less.
• Trips within the UAE are not covered.

A service or treatment that is appropriate to and consistent with the diagnosis, and which, in accordance with generally accepted medical standards, could not have been postponed or omitted without adversely affecting the insured person's medical condition or the quality of care received.

A number of items of personal possessions that naturally belong together or are used together (for example, a pair of earrings or a matching luggage set). Ski equipment is excluded from this definition.

For single trip cover:

• Cancellation cover begins from the issue date shown on your certificate of insurance and ends at the start of your journey. All other cover starts at the beginning of your journey and ends at the conclusion of your journey or at the ceritificate expiry date, whichever is earlier.

For annual multi-trip cover:

• Cancellation cover begins on the policy start date or the date you booked your journey, whichever is later, and ends at the start of that journey. All cover ends on the policy expiry date unless you cannot complete your journey due to death, injury, illness, or unavoidable public transport delays, in which case cover is extended at no charge until you can reasonably conclude the journey.

All suitcases, trunks, and similar containers including their contents, and all articles worn or carried by hand, including valuables.

An ongoing medical or dental condition or related complication that you are aware of; a condition that is being or has been investigated or treated by a health professional before the policy was issued; any condition for which you take prescribed medication or see a specialist; or any condition for which you have previously had surgery.

A person who is a UAE citizen or holds valid UAE resident status, and who is travelling from and returning to the United Arab Emirates.

One adult aged 65 and under, and their children (including step-children and foster children) aged 16 and under (or 21 and under if in full-time education), when the appropriate premium has been paid. All persons must live at the same address and be travelling together.

Hired ski equipment, ski school fees, and lift passes. These are covered under the Ski Insurance add-on, not under a standard policy.

Any act, including the use or threat of force or violence, by any person or group, whether acting alone or on behalf of any organisation or government, committed for political, religious, ideological, or similar purposes, including any intention to influence a government or to put the public in fear. Losses directly or indirectly caused by, resulting from, or in connection with any act of terrorism are excluded from standard cover unless a Terrorism add-on has been purchased.

Any person who has booked to travel with you on the same journey.

Jewellery, watches, items made of or containing precious metals or semi-precious stones, furs, binoculars, telescopes, computer games, photographic equipment, audio and video equipment, computers, laptops, televisions, fax machines, mobile phones, MP3 players, PDAs, electronic games, CDs, mini discs, DVDs, cartridges, and video or audio tapes.

NEXtCARE and Allianz Global Assistance, which administer the insurance on behalf of the insurer, Alliance Insurance P.S.C.

Each person named on the certificate of insurance for whom the appropriate premium has been paid.