"AICD/ICD" means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD). 

"Arises" or "Arising " means directly or indirectly arising or in any way connected with.

"Carrier" means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purposes of transporting passengers. This definition excludes taxis.

"Chronic" means a persistent and lasting condition in medicine. We do not consider that chronic pain has to be 'constant' pain, however in many situations it has a pattern of relapse and remission. The pain, disease or medical issue may be long-lasting, recurrent (occurred on more than 2 occasions) or characterised by long suffering.

"Dependant" means your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the journey.

"Epidemic" means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.

"Excess" means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.

"Home" means the place where you normally live in Australia.

"Hospital" means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.

"Injure" or "Injured" or "Injury" means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease.

"Journey" means the time from when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home.

"Locked Storage Compartment" means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome.

"Luggage and Personal Effects" means any personal items owned by you and that you take with you, or buy, on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.

"Medical Adviser" means a qualified doctor of medicine or dentist registered in the place where you receive the services.

"Unsupervised" means:

• leaving your Luggage and Personal Effects with a person you did not know prior to commencing your Journey.
• leaving it in a position where it can be taken without your knowledge; or
• leaving it at such a distance from you that you are unable to prevent it being taken.

"We", "Our" and "Us" means Allianz Australia Insurance Limited.

"You" and "Your" means the person whose name is set out in your Certificate of Insurance and everyone else who is covered under your policy.