SCTI definitions

Below are the definitions of some of the more commonly used International Comprehensive Policy terms on our website. For the full list of definitions, please refer to the Financial Services Guide and Product Disclosure Statement.

Excess means the first amount of any claim you are responsible for as selected by you and specified on your Certificate of Insurance. This amount will be deducted from any claim payment.

Illness means  a sign, symptom, sickness, condition or disease (whether diagnosed or undiagnosed).

Injury means physical bodily harm caused by accidental means.

Journey means your time away from Australia, which commences on your start date of journey and ceases on your end date of journey.

Special event means  a wedding, funeral, conference, concert, show, festival or sporting event.

Unexpected event means  a cause or event that occurs during your period of insurance that:

  1. was sudden, unforeseeable or unintended; and
  2. was outside of your control; and
  3. could not reasonably have been anticipated or avoided.