Some words in this policy have special meanings and are defined below

“Ancillary Services” means the reasonable and necessarily incurred charges for other medical services provided by acupuncturist, osteopaths, chiropractors, and homeopaths as prescribed by the treating doctor.

“Co-insurance” means the amount You must contribute towards each and every hospital or medical service.

“Country of Origin” means the country where You normally reside other than Your country of study.

“CSA” means China Study Abroad Limited.

“Doctor” means a person qualified and registered to practice medicine or surgery in Your Country of Study.

“Emergency Dental Services” means emergency treatment provided by a dentist for the relief of pain or to restore dental functions. It does not include normal dental maintenance or cleaning or scaling procedures.

“Excess” means the amount that will be deducted from any claim or claims arising from the one injury or illness.

“Expatriate” means a person living and studying outside of their country of origin.

“Family” means You and/or Your spouse and/or your financially dependent children and/or legal wards 21 years of age and under who remain in Your full custody and control during the trip.

“Financial Default” means insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction.

“Hospital” means an establishment which is legally licensed as a medical or surgical Hospital under the law of that country and which exists primarily for carrying out surgical operations or providing treatment of a nature which only a Physician/Surgeon can provide and which has 24-hour medical and nursing care.

“Hospital Day Care” means minor medical, surgical or diagnostic treatment provided in a hospital or a medical centre, which does not require You to be confined in a hospital overnight.

“Illness” means a medical condition which first occurs during Your period of cover.

“Injury” or “Injured” means bodily injury caused by an accident which happens at a definite time and place during Your period of cover.

“Manual Work” means physical work, involving bodily strength, other than that of an academic nature.

“Medical Expenses” means expenses incurred by You within 12 calendar months of sustaining Injury or Sickness, in respect of medical advice or treatment by a legally qualified and registered medical practitioner, nurse, Hospital and/or ambulance service for medical, surgical, x-ray, Hospital or nursing treatment, including physiotherapy and chiropractic services and the cost of medical supplies and ambulance hire prescribed by a legally qualified and registered medical practitioner.

“Period of Insurance” From the departure date shown in the policy schedule until Your return to Your Country of Origin or the completion date shown in the policy schedule, whichever occurs first.

“Permanent” means having lasted for 12 consecutive months and at the end of that time being beyond any hope of improvement.

“Pre-existing Medical Condition” means any condition for which a doctor was consulted or for which treatment or medicine was prescribed in the 12 months immediately preceding the commencement of cover. It also includes any medical condition known to the Insured Person or for which the symptoms were evident prior to the date of issue of this Insurance. A waiting period of 12 months applies to all pre-existing medical conditions.

“Public Place” means but is not limited to shops, airports, train stations, streets, hotel foyers and grounds, restaurants, beaches, public toilets and any place to which the public has access.

“Rehabilitation and Occupation Therapy” means the charges, as a result of an illness or an accident, for rehabilitation and/or occupational therapy as prescribed by the treating doctor.

“Relative” means any of the following who are resident in Your country of origin: fiancé, fiancée, spouse, legally recognized de facto, parent, parent-in-law, son, daughter, stepson, stepdaughter, sister, brother, step-parent, grandparent or legal guardian all aged 75 years or under.

“Schedule Fee” means the amount as determined from time to time by the hospital or clinic as the standard medical fee for certain treatment or service.

“Spouse” means Your husband or wife or the person with whom You have continuously cohabited during the 90 days immediately preceding the Period of Insurance.

“Unforeseeable” means sudden, unexpected, and unintended.

“Waiting Period” means the period for which benefits are not payable starting from the commencement date of this Insurance.

“We”, “Us” or “Our” means the Underwriters of this Insurance.

“You” or “Your” means the person or persons named in the Certificate of Insurance and everyone else who is covered under Your policy.