Common use of Acquired Immune Deficiency Syndrome Clause in Contracts

Acquired Immune Deficiency Syndrome. or AIDS shall have the meanings assigned to it by the World Health Organisation including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV), Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or Illness in the presence of a sero-positive test for HIV. AIG Travel AIG Travel EMEA Limited, who provides emergency travel and pre-departure health information and the AIG Travel services as more fully detailed in the body of this Agreement. Any One Life Limit The maximum liability of the Company to any one Insured Person in respect of any one Accident or Illness or series of Accidents or Illnesses arising from one source or cause. Baggage Luggage, Personal Effects and travel documents (travel tickets, passports and visas) taken by an Insured Person on an Insured Journey. Beneficiary The person or persons nominated by the Insured Person. Business The Insured Person’s employment, trade, profession or occupation. Business Associate A partner, director or employee of the Insured Person. Children The Insured Person’s dependent children who are not in full-time employment and who are between the ages of 3 months up to and including 18 years (or under the age of 25 years provided they are in full-time education), unmarried, not pregnant, without children and primarily dependent on the Insured Person for maintenance and support. Company AIG South Africa Limited. Confinement Confinement to a Hospital as a resident in-patient for a period which is necessary for the diagnosis or treatment of any Injury or Illness. Country of Residence The country in which You live and which is regarded as Your permanent home. If You are a temporary resident in a country, that will be deemed to be Your Country of Residence for the purposes of this Policy, if You have citizenship of or a work permit or have been resident in that country for longer than 6 (six) consecutive months. Damage Physical damage to Baggage which lowers the value. Dangerous Sports or Activities Any sport or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) Date of Loss for Illness, the first date of diagnosis or the date the Insured Person first became aware of the Illness – whichever occurs earlier; for Injury, the date of the Accident; for all other Sections, the date of the Insured Event. Day A period of 24 consecutive hours including the day of admission but excluding the day of discharge. Effective Date of Coverage for cancellation, one day after the date on which optional cover is purchased; Electronic Equipment Any computer equipment system or software or any product, equipment, system or machinery connected to or operated by means of a micro or data processor chip. Emergency Medical Expenses All Reasonable and Customary Charges which at the sole discretion of AIG Travel are deemed medically necessary for Illness or Injury on an International Journey. Excess The first amount, or period, of each and every loss payable by the Insured Person. Follow up Treatment in South Africa All Reasonable and Customary Charges incurred for Illness or Injury, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a qualified Medical Practitioner, dentist or optometrist in South Africa. Follow up Treatment in South Africa does not include those expenses the Company is prohibited by law from paying and will only be paid to the extent permissible under the Medical Schemes Act No. 131 of 1998 and any other subsequent legislation which is enacted. Dangerous Sports Any activity or sport where there is a higher than normal risk of serious injury or loss. Holder The Policyholder named in the Policy Schedule who is Standard Bank Card Division. Hospital A legally constituted establishment which operates pursuant to the laws of the country in which it is based and which meets the following requirements: it operates primarily for the reception, medical care and treatment of sick, ailing or injured persons on a resident in-patient basis; it admits resident in-patients only under the supervision of a Medical Practitioner; it maintains organised facilities for the medical diagnosis and treatment of such persons and provides (where appropriate) facilities for major surgery within the confines of the establishment or facilities controlled by the establishment; it provides a full-time nursing service by or under the supervision of a staff of nurses; it is not a day clinic, health hydro or nature clinic, a mental institution, an institution confined primarily to the treatment of psychiatric disease, the psychiatric department of a hospital, a place for the treatment of chemical dependency, an establishment or a special unit of a hospital used primarily as a place for treatment of drug addicts or alcoholics, a hospice, a frail care centre, a rest home or nursing, convalescent, rehabilitation, assisted living or extended care facility. Identity Theft The unauthorized and/or illegal use of an Insured Persons personal information such as name or identity number to obtain a loan or open credit accounts. Illness Any fortuitous sickness or disease contracted, commencing or first manifesting itself during an Insured Journey. Inbound Journey An Insured Journey commencing from the Point of Departure outside the territorial limits of the Republic of South Africa to the destination inside the territorial limits of the Republic of South Africa including the return journey to the Point of Departure. Injury Physical trauma to an Insured Person caused by an Accident resulting, solely and independently of any other cause or any other physical defect or infirmity existing prior to the Accident, in an Insured Event within 24 months of the date of the Accident. Physical trauma caused by exposure to the elements of nature as a direct result of an Accident will be deemed to be an injury. Insured Event An event stated in the Schedule of Benefits. Insured Journey A Local Journey, an International Journey or an Inbound Journey. Insured Person Any person whose Public Conveyance tickets have been charged to a valid Standard Bank Card Division card. International Journey An Insured Journey commencing from the Point of Departure to the destination, outside the territorial limits of the Republic of South Africa, including the return journey to the Point of Departure. Local Journey An Insured Journey which commences at the time when the Insured Person departs from the Point of Departure to travel in a direct, timeous and uninterrupted manner to a destination within the territorial limits of the Republic of South Africa that is more than 100 kilometres away from the Point of Departure and it includes the return journey to the Point of Departure. Kidnapping Any event or connected series of events of seizing, detaining or carrying away by force or fraud of the Insured Person by person/s for the purpose of demanding xxxxxx monies. Malaria is a vector-borne infectious disease characterized by recurrent attacks of fever, caused by prozotan parasites of the genus Plasmodium transmitted by female Anopheles mosquitoes in tropical and subtropical regions. Malignant Neoplasm shall include but not be limited to Kaposi’s Sarcoma, central nervous system lymphoma and/or other malignancies now known or which will become known as immediate cause of death, an illness, or disability in the presence of AIDS. Manual Labour Physical human labour involving the use of hands where the work may be considered hard or arduous, including skilled labourers who use or operate mechanical or non-mechanical machinery or equipment. Master Policy The internal reference for a specific product containing identical benefits and premium rates. Medical Expenses All Reasonable and customary charges for Illness or Injury on an International Journey, or Injury on a Local Journey, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a Medical Practitioner. Medical Practitioner A person registered with a current, legal licence to practice medicine, but excludes an Insured Person or a member of any Insured Person’s immediate family. Medical Treatment A Medical Practitioner's medical advice, treatment, consultations and prescribed or repeat maintenance medication. Motor Hijack The unlawful seizing or attempted unlawful seizing of a vehicle by any person using force or threat or violence where such violence is intended, used or made to overpower or subdue the Insured Person whilst driving or as a passenger in a Private Motor Vehicle or whilst such vehicle is stationary. Opportunistic Infection Shall include but not be limited to pneumocystis xxxxxx pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection. Payment Card An automatic teller machine (ATM) card, credit card, or debit card issued by a registered financial institution or qualified retail shop. Permanent Total Disablement means total and absolute disablement which entirely prevents the Insured Person from engaging in or giving attention to his usual or any occupation for which he is qualified or has received specialised training and which will in all probability be lasting and continuous for his lifetime. Personal Effects Spectacles, dentures, purses, wallets, cosmetics and other personal effects normally worn or carried on the person. Point of Departure in respect of a Local Journey means the Insured Person’s usual place of residence or from which an Insured Person leaves to travel in a direct, timeous and uninterrupted manner; in respect of an International Journey, the point where the Insured Person passes through passport control from within the Republic of South Africa; with regard to Section 4B-Baggage Delay and Section 5A-Travel Delay cover will commence from the Insured Person’s place of residence or employment, whichever occurs latest; or in respect of an Inbound Journey, the point where an Insured Person passes through passport control in Country of Residence from which the Insured Person intends to travel to the Republic of South Africa in a timeous and uninterrupted manner. Policy This document embodying the contract of insurance and shall include any subsequent Terms, Conditions, Exclusions, Terminations and Endorsements. Postponement Delaying a travel date stated on the Travel Insurance Certificate. Any condition giving rise to a claim for which, within the 12 consecutive months prior to the Effective Date of Coverage, the Insured Person: Pre-Existing Medical Conditions has consulted a Medical Practitioner or specialist; or has received Medical Treatment or advice; or the manifestation of symptoms would have caused a reasonable person to seek advice. Private Motor Vehicle Any licensed passenger vehicle other than taxis, buses and any vehicle that is in excess of 2 tons.

Acquired Immune Deficiency Syndrome. or AIDS shall have the meanings assigned to it by the World Health Organisation including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV), Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or Illness in the presence of a sero-positive test for HIV. AIG Travel AIG Travel EMEA Limited, who provides emergency travel and pre-departure health information and the AIG Travel services as more fully detailed in the body of this Agreement. Any One Life Limit The maximum liability of the Company to any one Insured Person in respect of any one Accident or Illness or series of Accidents or Illnesses arising from one source or cause. Baggage Luggage, Personal Effects and travel documents (travel tickets, passports and visas) taken by an Insured Person on an Insured Journey. Beneficiary The person or persons nominated by the Insured Person. Business The Insured Person’s employment, trade, profession or occupation. Business Associate A partner, director or employee of the Insured Person. Children The Insured Person’s dependent children who are not in full-time employment and who are between the ages of 3 months up to and including 18 years (or under the age of 25 years provided they are in full-time education), unmarried, not pregnant, without children and primarily dependent on the Insured Person for maintenance and support. Company AIG South Africa Limited. Confinement Confinement to a Hospital as a resident in-patient for a period which is necessary for the diagnosis or treatment of any Injury or Illness. Country of Residence The country in of which You live and which the Insured Person is regarded as Your a citizen or permanent home. If You are a temporary resident in a country, that will be deemed to be Your Country of Residence for the purposes of this Policy, if You have citizenship of or a work permit or have been resident in that country for longer than 6 (six) consecutive monthsresident. Damage Physical damage to Baggage which lowers the value. Dangerous Sports or Activities Any sport or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) Date of Loss for Illness, the first date of diagnosis or the date the Insured Person first became aware of the Illness – whichever occurs earlier; for Injury, the date of the Accident; for all other Sections, the date of the Insured Event. Day A period of 24 consecutive hours including the day of admission but excluding the day of discharge. Effective Date of Coverage for cancellation, one day after the date on which optional cover is purchased; for all other sections of cover, the date of departure on an Insured Journey. Electronic Equipment Any computer equipment system or software or any product, equipment, system or machinery connected to or operated by means of a micro or data processor chip. Emergency Medical Expenses All Reasonable and Customary Charges which at the sole discretion of AIG Travel are deemed medically necessary for Illness or Injury on an International Journey. Excess The first amount, or period, of each and every loss payable by the Insured Person. Follow up Treatment in South Africa All Reasonable and Customary Charges incurred for Illness or Injury, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a qualified Medical Practitioner, dentist or optometrist in South Africa. Follow up Treatment in South Africa does not include those expenses the Company is prohibited by law from paying and will only be paid to the extent permissible under the Medical Schemes Act No. 131 of 1998 and any other subsequent legislation which is enacted. Dangerous Sports Any activity or sport where there is a higher than normal risk of serious injury or loss. Holder The Policyholder named in the Policy Schedule who is Standard Bank Card Division. Hospital A legally constituted establishment which operates pursuant to the laws of the country in which it is based and which meets the following requirements: it operates primarily for the reception, medical care and treatment of sick, ailing or injured persons on a resident in-patient basis; it admits resident in-patients only under the supervision of a Medical Practitioner; it maintains organised facilities for the medical diagnosis and treatment of such persons and provides (where appropriate) facilities for major surgery within the confines of the establishment or facilities controlled by the establishment; it provides a full-time nursing service by or under the supervision of a staff of nurses; it is not a day clinic, health hydro or nature clinic, a mental institution, an institution confined primarily to the treatment of psychiatric disease, the psychiatric department of a hospital, a place for the treatment of chemical dependency, an establishment or a special unit of a hospital used primarily as a place for treatment of drug addicts or alcoholics, a hospice, a frail care centre, a rest home or nursing, convalescent, rehabilitation, assisted living or extended care facility. Identity Theft The unauthorized and/or illegal use of an Insured Persons personal information such as name or identity number to obtain a loan or open credit accounts. Illness Any fortuitous sickness or disease contracted, commencing or first manifesting itself during an Insured Journey. Inbound Journey An Insured Journey commencing from the Point of Departure outside the territorial limits of the Republic of South Africa to the destination inside the territorial limits of the Republic of South Africa including the return journey to the Point of Departure. Injury Physical trauma to an Insured Person caused by an Accident resulting, solely and independently of any other cause or any other physical defect or infirmity existing prior to the Accident, in an Insured Event within 24 months of the date of the Accident. Physical trauma caused by exposure to the elements of nature as a direct result of an Accident will be deemed to be an injury. Insured Event An event stated in the Schedule of Benefits. Insured Journey A Local Journey, an International Journey or an Inbound Journey. Insured Person Any person whose Public Conveyance tickets have been charged to a valid Standard Bank Card Division card. International Journey An Insured Journey commencing from the Point of Departure to the destination, outside the territorial limits of the Republic of South Africa, including the return journey to the Point of Departure. Local Journey An Insured Journey which commences at the time when the Insured Person departs from the Point of Departure to travel in a direct, timeous and uninterrupted manner to a destination within the territorial limits of the Republic of South Africa that is more than 100 kilometres away from the Point of Departure and it includes the return journey to the Point of Departure. Kidnapping Any event or connected series of events of seizing, detaining or carrying away by force or fraud of the Insured Person by person/s for the purpose of demanding xxxxxx monies. Malaria is a vector-borne infectious disease characterized by recurrent attacks of fever, caused by prozotan parasites of the genus Plasmodium transmitted by female Anopheles mosquitoes in tropical and subtropical regions. Malignant Neoplasm shall include but not be limited to Kaposi’s Sarcoma, central nervous system lymphoma and/or other malignancies now known or which will become known as immediate cause of death, an illness, or disability in the presence of AIDS. Manual Labour Physical human labour involving the use of hands where the work may be considered hard or arduous, including skilled labourers who use or operate mechanical or non-mechanical machinery or equipment. Master Policy The internal reference for a specific product containing identical benefits and premium rates. Medical Expenses All Reasonable and customary charges for Illness or Injury on an International Journey, or Injury on a Local Journey, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a Medical Practitioner. Medical Practitioner A person registered with a current, legal licence to practice medicine, but excludes an Insured Person or a member of any Insured Person’s immediate family. Medical Treatment A Medical Practitioner's medical advice, treatment, consultations and prescribed or repeat maintenance medication. Motor Hijack The unlawful seizing or attempted unlawful seizing of a vehicle by any person using force or threat or violence where such violence is intended, used or made to overpower or subdue the Insured Person whilst driving or as a passenger in a Private Motor Vehicle or whilst such vehicle is stationary. Opportunistic Infection Shall include but not be limited to pneumocystis xxxxxx pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection. Payment Card An automatic teller machine (ATM) card, credit card, or debit card issued by a registered financial institution or qualified retail shop. Permanent Total Disablement means total and absolute disablement which entirely prevents the Insured Person from engaging in or giving attention to his usual or any occupation for which he is qualified or has received specialised training and which will in all probability be lasting and continuous for his lifetime. Personal Effects Spectacles, dentures, purses, wallets, cosmetics and other personal effects normally worn or carried on the person. Point of Departure in respect of a Local Journey means the Insured Person’s usual place of residence or from which an Insured Person leaves to travel in a direct, timeous and uninterrupted manner; in respect of an International Journey, the point where the Insured Person passes through passport control from within the Republic of South Africa; with regard to Section 4B-Baggage Delay and Section 5A-Travel Delay cover will commence from the Insured Person’s place of residence or employment, whichever occurs latest; or in respect of an Inbound Journey, the point where an Insured Person passes through passport control in Country of Residence from which the Insured Person intends to travel to the Republic of South Africa in a timeous and uninterrupted manner. Policy This document embodying the contract of insurance and shall include any subsequent Terms, Conditions, Exclusions, Terminations and Endorsements. Postponement Delaying a travel date stated on the Travel Insurance Certificate. Any condition giving rise to a claim for which, within the 12 consecutive months prior to the Effective Date of Coverage, the Insured Person: Pre-Existing Medical Conditions has consulted a Medical Practitioner or specialist; or has received Medical Treatment or advice; or the manifestation of symptoms would have caused a reasonable person to seek advice. Private Motor Vehicle Any licensed passenger vehicle other than taxis, buses and any vehicle that is in excess of 2 tons.

Acquired Immune Deficiency Syndrome. or AIDS shall have the meanings assigned to it by the World Health Organisation including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV), Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or Illness in the presence of a sero-positive test for HIV. AIG Travel AIG Travel EMEA Limited, who provides emergency travel and pre-departure health information and the AIG Travel services as more fully detailed in the body of this Agreement. Any One Life Limit The maximum liability of the Company to any one Insured Person in respect of any one Accident Insured Event or Illness or a series of Accidents or Illnesses arising from one source or causeInsured Events. Baggage Luggage, Personal Effects and travel documents (travel tickets, passports and visas) taken by an Insured Person on an Insured Journey. Beneficiary The person or persons nominated by the Insured Person. Business The Insured Person’s employment, trade, profession or occupation. Business Associate A partner, director or employee of the Insured Person. Children The Insured Person’s dependent children who are not in full-time employment and who are between the ages of 3 months up to and including 18 years (or under the age of 25 years provided they are in full-time education), unmarried, not pregnant, without children and primarily dependent on the Insured Person for maintenance and support. Company AIG South Africa Limited. Confinement Confinement to a Hospital as a resident in-patient for a period which is necessary for the diagnosis or treatment of any Injury or Illness. Country of Residence The country in which You live and which is regarded as Your permanent home. If You are a temporary resident in a country, that will be deemed to be Your Country of Residence for the purposes of this Policy, if You have citizenship of or a work permit or have been resident in that country for longer than 6 (six) consecutive months. .. Damage Physical damage to Baggage which lowers the value. Dangerous Sports or Activities Any sport or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) Date of Loss for Illness, the first date of diagnosis or the date the Insured Person first became aware of the Illness – whichever occurs earlier; for Injury, the The date of the Accident; for all other Sections, the date of the Insured Event. Day A period of 24 consecutive hours including the day of admission but excluding the day of discharge. Definitions continued… Effective Date of Coverage for cancellation, one day after the date on which optional cover is purchased; Electronic Equipment Any computer equipment system or software or any product, equipment, system or machinery connected to or operated by means of a micro or data processor chip. Emergency Medical Expenses All Reasonable and Customary Charges which at the sole discretion of AIG Travel are deemed medically necessary for Illness or Injury on an International Journey. Excess The first amount, or period, of each and every loss payable by the Insured Person. Follow up Treatment in South Africa All Reasonable and Customary Charges incurred for Illness or Injury, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a qualified Medical Practitioner, dentist or optometrist in South Africa. Follow up Treatment in South Africa does not include those expenses the Company is prohibited by law from paying and will only be paid to the extent permissible under the Medical Schemes Act No. 131 of 1998 and any other subsequent legislation which is enacted. Dangerous Sports Any activity or sport where there is a higher than normal risk of serious injury or loss. Holder Policy holder The Policyholder named in the Policy Schedule who is Standard Bank Card Division. Hospital A legally constituted establishment which operates pursuant to the laws of the country in which it is based and which meets the following requirements: it operates primarily for the reception, medical care and treatment of sick, ailing or injured persons on a resident in-patient basis; it admits resident in-patients only under the supervision of a Medical Practitioner; it maintains organised facilities for the medical diagnosis and treatment of such persons and provides (where appropriate) facilities for major surgery within the confines of the establishment or facilities controlled by the establishment; it provides a full-time nursing service by or under the supervision of a staff of nurses; it is not a day clinic, health hydro or nature clinic, a mental institution, an institution confined primarily to the treatment of psychiatric disease, the psychiatric department of a hospital, a place for the treatment of chemical dependency, an establishment or a special unit of a hospital used primarily as a place for treatment of drug addicts or alcoholics, a hospice, a frail care centre, a rest home or nursing, convalescent, rehabilitation, assisted living or extended care facility. Identity Theft The unauthorized and/or illegal use of an Insured Persons personal information such as name or identity number to obtain a loan or open credit accounts. Illness Any fortuitous sickness or disease contracted, commencing or first manifesting itself during an Insured Journey. Inbound Journey An Insured Journey commencing from the Point of Departure outside the territorial limits of the Republic of South Africa to the destination inside the territorial limits of the Republic of South Africa including the return journey to the Point of Departure. Injury Physical trauma to an Insured Person caused by an Accident resulting, solely and independently of any other cause or any other physical defect or infirmity existing prior to the Accident, in an Insured Event within 24 months of the date of the Accident. Physical trauma caused by exposure to the elements of nature as a direct result of an Accident will be deemed to be an injury. Insured Event An event stated in the Schedule of Benefits. Insured Journey A Local Journey, an International Journey or an Inbound Journey. Insured Person Any person whose Public Conveyance tickets have been charged to a valid Standard Bank Card Division card. International Journey An Insured Journey commencing from the Point of Departure to the destination, outside the territorial limits of the Republic of South Africa, including the return journey to the Point of Departure. Local Journey An Insured Journey which commences at the time when the Insured Person departs from the Point of Departure to travel in a direct, timeous and uninterrupted manner to a destination within the territorial limits of the Republic of South Africa that is more than 100 kilometres away from the Point of Departure and it includes the return journey to the Point of Departure. Kidnapping Any event or connected series of events of seizing, detaining or carrying away by force or fraud of the Insured Person by person/s for the purpose of demanding xxxxxx monies. Malaria is a vector-borne infectious disease characterized by recurrent attacks of fever, caused by prozotan parasites of the genus Plasmodium transmitted by female Anopheles mosquitoes in tropical and subtropical regions. Malignant Neoplasm shall include but not be limited to Kaposi’s Sarcoma, central nervous system lymphoma and/or other malignancies now known or which will become known as immediate cause of death, an illness, or disability in the presence of AIDS. Manual Labour Physical human labour involving the use of hands where the work may be considered hard or arduous, including skilled labourers who use or operate mechanical or non-mechanical machinery or equipment. Master Policy The internal reference for a specific product containing identical benefits and premium rates. Medical Expenses All Reasonable and customary charges for Illness or Injury on an International Journey, or Injury on a Local Journey, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a Medical Practitioner. Medical Practitioner A person registered with a current, legal licence to practice medicine, but excludes an Insured Person or a member of any Insured Person’s immediate family. Medical Treatment A Medical Practitioner's medical advice, treatment, consultations and prescribed or repeat maintenance medication. Motor Hijack The unlawful seizing or attempted unlawful seizing of a vehicle by any person using force or threat or violence where such violence is intended, used or made to overpower or subdue the Insured Person whilst driving or as a passenger in a Private Motor Vehicle or whilst such vehicle is stationary. Opportunistic Infection Shall include but not be limited to pneumocystis xxxxxx pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection. Payment Card An automatic teller machine (ATM) card, credit card, or debit card issued by a registered financial institution or qualified retail shop. Permanent Total Disablement means total and absolute disablement which entirely prevents the Insured Person from engaging in or giving attention to his usual or any occupation for which he is qualified or has received specialised training and which will in all probability be lasting and continuous for his lifetime. Personal Effects Spectacles, dentures, purses, wallets, cosmetics and other personal effects normally worn or carried on the person. Point of Departure in respect of a Local Journey means the Insured Person’s usual place of residence or from which an Insured Person leaves to travel in a direct, timeous and uninterrupted manner; in respect of an International Journey, the point where the Insured Person passes through passport control from within the Republic of South Africa; with regard to Section 4B-Baggage Delay and Section 5A-Travel Delay cover will commence from the Insured Person’s place of residence or employment, whichever occurs latest; or in respect of an Inbound Journey, the point where an Insured Person passes through passport control in Country of Residence from which the Insured Person intends to travel to the Republic of South Africa in a timeous and uninterrupted manner. Policy This document embodying the contract of insurance and shall include any subsequent Terms, Conditions, Exclusions, Terminations and Endorsements. Postponement Delaying a travel date stated on the Travel Insurance Certificate. Any condition giving rise to a claim for which, within the 12 consecutive months prior to the Effective Date of Coverage, the Insured Person: Pre-Existing Medical Conditions has consulted a Medical Practitioner or specialist; or has received Medical Treatment or advice; or the manifestation of symptoms would have caused a reasonable person to seek advice. Private Motor Vehicle Any licensed passenger vehicle other than taxis, buses and any vehicle that is in excess of 2 tons.

Acquired Immune Deficiency Syndrome. or AIDS shall have the meanings assigned to it by the World Health Organisation including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV), Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or Illness in the presence of a sero-positive test for HIV. AIG Travel AIG Travel EMEA Limited, who provides emergency travel and pre-departure health information and the AIG Travel services as more fully detailed in the body of this Agreement. Any One Life Limit The maximum liability of the Company to any one Insured Person in respect of any one Accident or Illness or series of Accidents or Illnesses arising from one source or cause. Baggage Luggage, Personal Effects and travel documents (travel tickets, passports and visas) taken by an Insured Person on an Insured Journey. Beneficiary The person or persons nominated by the Insured Person. Business The Insured Person’s employment, trade, profession or occupation. Business Associate A partner, director or employee of the Insured Person. Children The Insured Person’s dependent children who are not in full-time employment and who are between the ages of 3 months up to and including 18 years (or under the age of 25 years provided they are in full-time education), unmarried, not pregnant, without children and primarily dependent on the Insured Person for maintenance and support. Company AIG South Africa Limited. Confinement Confinement to a Hospital as a resident in-patient for a period which is necessary for the diagnosis or treatment of any Injury or Illness. Country of Residence The country in which You live and which is regarded as Your permanent home. If You are a temporary resident in a country, that will be deemed to be Your Country of Residence for the purposes of this Policy, if You have citizenship of or a work permit or have been resident in that country for longer than 6 (six) consecutive months. .. Damage Physical damage to Baggage which lowers the value. Dangerous Sports or Activities Any sport or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) Date of Loss for Illness, the first date of diagnosis or the date the Insured Person first became aware of the Illness – whichever occurs earlier; for Injury, the date of the Accident; for all other Sections, the date of the Insured Event. Day A period of 24 consecutive hours including the day of admission but excluding the day of discharge. Effective Date of Coverage for cancellation, one day after the date on which optional cover is purchased; Electronic Equipment Any computer equipment system or software or any product, equipment, system or machinery connected to or operated by means of a micro or data processor chip. Emergency Medical Expenses All Reasonable and Customary Charges which at the sole discretion of AIG Travel are deemed medically necessary for Illness or Injury on an International Journey. Excess The first amount, or period, of each and every loss payable by the Insured Person. Follow up Treatment in South Africa All Reasonable and Customary Charges incurred for Illness or Injury, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a qualified Medical Practitioner, dentist or optometrist in South Africa. Follow up Treatment in South Africa does not include those expenses the Company is prohibited by law from paying and will only be paid to the extent permissible under the Medical Schemes Act No. 131 of 1998 and any other subsequent legislation which is enacted. Dangerous Sports Any activity or sport where there is a higher than normal risk of serious injury or loss. Holder The Policyholder named in the Policy Schedule who is Standard Bank Card Division. Hospital A legally constituted establishment which operates pursuant to the laws of the country in which it is based and which meets the following requirements: it operates primarily for the reception, medical care and treatment of sick, ailing or injured persons on a resident in-patient basis; it admits resident in-patients only under the supervision of a Medical Practitioner; it maintains organised facilities for the medical diagnosis and treatment of such persons and provides (where appropriate) facilities for major surgery within the confines of the establishment or facilities controlled by the establishment; it provides a full-time nursing service by or under the supervision of a staff of nurses; it is not a day clinic, health hydro or nature clinic, a mental institution, an institution confined primarily to the treatment of psychiatric disease, the psychiatric department of a hospital, a place for the treatment of chemical dependency, an establishment or a special unit of a hospital used primarily as a place for treatment of drug addicts or alcoholics, a hospice, a frail care centre, a rest home or nursing, convalescent, rehabilitation, assisted living or extended care facility. Identity Theft The unauthorized and/or illegal use of an Insured Persons personal information such as name or identity number to obtain a loan or open credit accounts. Illness Any fortuitous sickness or disease contracted, commencing or first manifesting itself during an Insured Journey. Inbound Journey An Insured Journey commencing from the Point of Departure outside the territorial limits of the Republic of South Africa to the destination inside the territorial limits of the Republic of South Africa including the return journey to the Point of Departure. Injury Physical trauma to an Insured Person caused by an Accident resulting, solely and independently of any other cause or any other physical defect or infirmity existing prior to the Accident, in an Insured Event within 24 months of the date of the Accident. Physical trauma caused by exposure to the elements of nature as a direct result of an Accident will be deemed to be an injury. Insured Event An event stated in the Schedule of Benefits. Insured Journey A Local Journey, an International Journey or an Inbound Journey. Insured Person Any person whose Public Conveyance tickets have been charged to a valid Standard Bank Card Division card. International Journey An Insured Journey commencing from the Point of Departure to the destination, outside the territorial limits of the Republic of South Africa, including the return journey to the Point of Departure. Local Journey An Insured Journey which commences at the time when the Insured Person departs from the Point of Departure to travel in a direct, timeous and uninterrupted manner to a destination within the territorial limits of the Republic of South Africa that is more than 100 kilometres away from the Point of Departure and it includes the return journey to the Point of Departure. Kidnapping Any event or connected series of events of seizing, detaining or carrying away by force or fraud of the Insured Person by person/s for the purpose of demanding xxxxxx monies. Malaria is a vector-borne infectious disease characterized by recurrent attacks of fever, caused by prozotan parasites of the genus Plasmodium transmitted by female Anopheles mosquitoes in tropical and subtropical regions. Malignant Neoplasm shall include but not be limited to Kaposi’s Sarcoma, central nervous system lymphoma and/or other malignancies now known or which will become known as immediate cause of death, an illness, or disability in the presence of AIDS. Manual Labour Physical human labour involving the use of hands where the work may be considered hard or arduous, including skilled labourers who use or operate mechanical or non-mechanical machinery or equipment. Master Policy The internal reference for a specific product containing identical benefits and premium rates. Medical Expenses All Reasonable and customary charges for Illness or Injury on an International Journey, or Injury on a Local Journey, resulting in hospitalisation, surgical or other diagnostic or remedial treatment given or prescribed by a Medical Practitioner. Medical Practitioner A person registered with a current, legal licence to practice medicine, but excludes an Insured Person or a member of any Insured Person’s immediate family. Medical Treatment A Medical Practitioner's medical advice, treatment, consultations and prescribed or repeat maintenance medication. Motor Hijack The unlawful seizing or attempted unlawful seizing of a vehicle by any person using force or threat or violence where such violence is intended, used or made to overpower or subdue the Insured Person whilst driving or as a passenger in a Private Motor Vehicle or whilst such vehicle is stationary. Opportunistic Infection Shall include but not be limited to pneumocystis xxxxxx pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection. Payment Card An automatic teller machine (ATM) card, credit card, or debit card issued by a registered financial institution or qualified retail shop. Permanent Total Disablement means total and absolute disablement which entirely prevents the Insured Person from engaging in or giving attention to his usual or any occupation for which he is qualified or has received specialised training and which will in all probability be lasting and continuous for his lifetime. Personal Effects Spectacles, dentures, purses, wallets, cosmetics and other personal effects normally worn or carried on the person. Point of Departure in respect of a Local Journey means the Insured Person’s usual place of residence or from which an Insured Person leaves to travel in a direct, timeous and uninterrupted manner; in respect of an International Journey, the point where the Insured Person passes through passport control from within the Republic of South Africa; with regard to Section 4B-Baggage Delay and Section 5A-Travel Delay cover will commence from the Insured Person’s place of residence or employment, whichever occurs latest; or in respect of an Inbound Journey, the point where an Insured Person passes through passport control in Country of Residence from which the Insured Person intends to travel to the Republic of South Africa in a timeous and uninterrupted manner. Policy This document embodying the contract of insurance and shall include any subsequent Terms, Conditions, Exclusions, Terminations and Endorsements. Postponement Delaying a travel date stated on the Travel Insurance Certificate. Any condition giving rise to a claim for which, within the 12 consecutive months prior to the Effective Date of Coverage, the Insured Person: Pre-Existing Medical Conditions has consulted a Medical Practitioner or specialist; or has received Medical Treatment or advice; or the manifestation of symptoms would have caused a reasonable person to seek advice. Private Motor Vehicle Any licensed passenger vehicle other than taxis, buses and any vehicle that is in excess of 2 tons.