Mike Henry New Zealand Travel Insurance - Business policy

Business travellers have very specific needs and this is the policy that meets them head on. Policy Benefits Medical Conditions Optional Extras Policy Wording Benefits Schedule of benefits for Business Travellers (maximum amounts payable) BENEFITS ARE IN NZ DOLLARS Single Excesses CANCELLATION OF TRAVEL You are covered if you have to cancel your trip because of unexpected circumstances. Extra benefits included: $100,000 $100 CURTAILMENT AND INTERRUPTION REASONABLE COSTS $100 TRAVEL DELAY AND MISSED CONNECTION REASONABLE COSTS NIL ALTERNATIVE STAFF REPLACEMENT COVER $20,000 NIL CONTINUATION OF TRAVEL COVER $20,000 NIL MEDICAL COSTS AND EMERGENCY HOSPITAL COVER You are covered if you get sick or injured whilst overseas. Extra benefits included: $5 MILLION $100 ESCORT HOME TO NZ REASONABLE COSTS NIL BURIAL COSTS $15,000 NIL SPECIAL CASH BENEFIT IN HOSPITAL $2,000 NIL LUGGAGE & PERSONAL BELONGINGS You are covered if your luggage or personal effects are lost, stolen or damaged whilst overseas. Extra benefits included: $20,000 $100 MONEY, TRAVELLER'S CHEQUES, VOUCHERS, CREDIT CARDS $1,000 $100 MISLAID LUGGAGE PER ADULT $1,000 NIL PORTABLE ELECTRONIC BUSINESS EQUIPMENT AUTOMATICALLY COVERED UP TO $5,000 $100 RENTAL VEHICLE EXCESS You are covered for the excess on your rental vehicle insurance $1,000 $100 ADDITIONAL POLICY BENEFITS YOU ARE ALSO COVERED FOR:     PERSONAL BODILY INJURY - 16-69 YEARS $100,000 NIL IN-FLIGHT ACCIDENT INJURY - 16-69 YEARS $150,000 NIL LOSS OF INCOME COVER PER ADULT - 16-69 YEARS $6,000 NIL PERSONAL LIABILITY COVER $2 MILLION NIL KIDNAP AND RANSOM COVER $250,000 NIL

Please Note: This is a summary of cover only and the policy is subject to terms and conditions, limits and exclusions that may not suit your requirements. We recommend you read the full policy wording. Values shown are maximum amounts payable (in New Zealand Dollars).

IMPORTANT NOTE: Not all policy benefits and benefit amounts are shown above. In some cases sub-limits apply or the benefits may not be available to you. Please refer to the application section within the policy

SINGLE POLICY - Covers one adult and your own financially dependent children aged 21 years or under who are travelling with you (Up to 3 children - if you have more than 3 children please contact us at info@click-nz.com)

Medical Conditions

Just because you have a Pre-existing medical condition you are not necessarily excluded from purchasing a Mike Henry Travel Insurance policy, on a Business policy Pre-Existing conditions can be covered. However, cover is not automatic.

How to have your Pre-Existing Medical Condition covered:
Please contact our Medical Consultants toll free on 0800-657 744 to have your condition(s) covered. You will be given an authority number showing acceptance of your medical condition, for which there will be no surcharge.

A Pre-Existing Medical Condition is classified as:
In the 31 days prior to or following your travel insurance application, have you, had any illness, injury or condition which:
You are aware of
You have taken medication for
You have received treatment, check-ups or medical advice for

If you answer 'Yes' to any of the above questions, you have a Pre-Existing medical condition - please read the following.

NOTE TO ALL TRAVELLERS
Controlled asthma is not classed as a Pre-Existing Medical Condition.

PLEASE NOTE COVER MAY BE DECLINED OR SPECIAL ACCEPTANCE TERMS MAY APPLY

IMPORTANT NOTE: THERE ARE SOME CONDITIONS WE CANNOT COVER
No cover for pregnancy after 28 weeks
No cover available for terminal conditions
No cover for psychosomatic, psychological, psychiatric, mental disorders, anxiety, depression, stress, dementia, or insanity
No cover for sexually transmitted diseases, AIDS/HIV
No cover for alcohol or drug abuse related illnesses
No cover if you are travelling against medical advice, or you are travelling to seek treatment
No cover for any condition you are on a waiting list for

Optional Extras

In addition to your standard Mike Henry Travel Insurance cover, we are also able to offer a variety of Optional Extras, at a small additional charge, to further extend your insurance cover, and help you travel with even more confidence and peace-of-mind!

PERSONAL SPECIFIED ITEMS
If you are travelling with any item or set of items valued over $1,000, we can insure it for an extra premium, based on 2% of the full current market value. Valuations are required. Video cameras are covered free of charge up to $2,000. Bicycles and surfboards are limited to $1,000 with no facility to extend. The maximum amount we can cover for any one item is $5,000, and the maximum for all specified items is $15,000. Please note all applicable information on the application form.

BUSINESS SPECIFIED ITEMS
If you are travelling with any business equipment or trade samples, we can insure them automatically up to $5,000 for any one item and up to $15,000 in total for more than one item. If you require cover for any items valued over $5,000 please advise your agent and special cover can be arranged.

RENTAL VEHICLE EXCESS OPTION
You have the option to increase the standard rental vehicle excess cover from $1,000 to $4,000 for an additional premium of $10 per day of hire. To be eligible for this cover the vehicle must be rented from a licensed rental vehicle agency in the name of one of the insured persons. The rental vehicle excess cover can only be taken prior to departure and the dates of hireage must be specified on the insurance policy. No refunds are available if the cover is not used.

TERRORISM COVER
It is possible to reinstate terrorism cover under all Mike Henry business policies. To have cover reinstated under all sections of the policy you can pay a 15% surcharge on top of the standard premium. For a detailed definition of a terrorist act please refer to the policy wording.

SPECIAL PERSONAL BODILY INJURY OPTION
If you wish to increase the benefit for Personal Bodily Injury, special cover can be arranged. Please advise your agent or contact us, and special cover can be arranged.

INCREASED PERSONAL BODILY INJURY COVER
You can increase the standard Personal Bodily Injury cover from $100,000 up to a maximum of $400,000. The additional premium is calculated at $80 per person, per additional $100,000 purchased.

MANUAL WORKERS EXTENSION
If you would like cover for any manual work in connection with your business while overseas please contact us, or advise your agent of the type of activity, as there may be special terms, conditions and surcharges that apply.

ANNUAL POLICY OPTION
Designed for the individual business traveller who travels regularly during the year. This option offers an annual policy which has no limit on the number of journeys taken during the year, but with the maximum length of any one single trip being 120 days.

SMALL BUSINESS POLICY
If your company has a number of people regularly travelling overseas on business and you would like to arrange one policy to cover their travel, a special daily corporate rate policy is available. If you would like to know more about this option, please contact us to obtain a quote to suit your company's needs.

COMPANY DECLARATION ANNUAL POLICY OPTION
If your company has a number of people regularly travelling overseas on business and you would like to arrange one policy to cover their travel, a special daily corporate rate policy is available. If you would like to know more about this option, please contact us, or your agent, to obtain a quote to suit your company's needs