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Age Limits and Mature Traveler Medical Cover

Age Limits

There is no cover under this policy for travelers aged 90 years or older at the date they are scheduled to depart on their trip.

There are also limitations for cover provided to travelers aged 75-89 years at the date they are scheduled to depart on their trip, specifically:

  • Benefit Section A. Travel Cancellation before your journey starts: Cover is limited to $5,000 per person.
  • Benefit Section B. Travel Cancellation after your journey starts: Cover is limited to $5,000 per person.
  • Benefit Section H (3). Accidental death and disablement common carrier: Cover is limited to $100,000 and the benefit only applies where the common carrier is a passenger aircraft.
  • There is no cover under the following sections:
    • Benefit Section C. Overseas medical expenses,
    • Benefit Section H (8). Loss of income,
    • Benefit Section L. Epidemics and pandemics

Cover you can purchase for Mature Travelers

Travellers aged 75 years and older (including over age 90) can apply to remove some age limitations described above and any extension of cover in this context is referred to as Mature Traveler cover. This type of cover can only be purchased prior to your departure from New Zealand.

If you are aged between 75 and 89 years (inclusive), you can apply to remove the age limits applicable to:

  • Benefit Section A. Travel Cancellation before your journey starts,
  • Benefit Section B. Travel Cancellation after your journey starts,
  • Benefit Section C. Overseas medical expenses,
  • Benefit Section L. Epidemics and pandemics.

 

If you are 75 to 89 years of age and you choose not to purchase mature age cover you will still be covered for benefits other than those listed above however this site will not produce a confirmation of cover letter. If you require confirmation of non-medical benefits, please call us on 0800 269 872.

If you are aged 90 years and older, you can apply for cover under all benefits stated in the policy except Benefit Section H. Accident lump sum benefits and loss of income

How to add mature traveler cover

To add mature traveler cover, simply check your cover. If your trip can be covered, you will get a quote which includes medical cover for your trip. 

AIG

BNZ Advantage Visa Platinum Credit Card Travel Insurance and BNZ Advantage Visa Business Credit Card Travel Insurance (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to Platinum Advantage and Business Advantage cardholders by AIG Insurance New Zealand Limited (‘AIG’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of AIG, and does not guarantee the obligations of AIG. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. BNZ does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy.

The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited. Terms, conditions and exclusions apply. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product.

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