Busting the jargon of backpackers and long stay travel insurance

Backpackers Travel Insurance Policy Wording

BODILY INJURY means identifiable physical injury which:- a) is sustained by the Insured Person, and...

b) is caused by an Accident during the Period of Insurance, and

c) solely and independently of any other cause, except illness directly resulting from or medical or surgical treatment rendered necessary by such injury, occasions the death or disablement of the Insured Person within twelve months from the date of the Accident.

ACCIDENT means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place during the Period of Insurance, but also includes exposure resulting from a mishap to a conveyance in which an Insured Person is travelling.

LOSS OF LIMB means permanent loss by physical separation of a hand at or above the wrist or of a foot at or above the ankle, and includes permanent total and irrecoverable loss of use of a hand, arm or leg.

PERMANENT TOTAL DISABLEMENT means disablement which entirely prevents the Insured Person from attending to any business or occupation for which he is reasonably suited by training, education or experience and which lasts twelve months and at the expiry of that period is beyond hope of improvement.

HI-JACK means the unlawful seizure or wrongful exercise of control of an aircraft or conveyance or the crew thereof in which the Insured Person is travelling as a passenger.

HAZARDOUS PURSUITS shall mean winter sport, scuba diving, water skiing, jet biking/skiing, white water rafting or canoeing, offshore sailing or yachting, bunjee jumping, paragliding, parasailing or parascending.

" VALUABLES " means watches, furs, jewellery, photographic, video, audio and computer equipment. Words in the masculine gender shall include the feminine.

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