Benefit 24: Adventure Pack

This benefit provides optional cover in the circumstances as explained below, for the adventurous activities listed below.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

You only have this benefit if You purchased the Adventure Pack in connection with an eligible Policy.
You must be aged 74 and under at the date of Policy issue to purchase the Adventure Pack.
You must comply with the participation limitations and conditions of Adventure Activities You participate in. These limitations and conditions are provided in italics following each activity they apply to.
Cover for all Adventure Activities is limited to amateur participation.

For claims that are covered by the benefits of Your Policy (excluding Benefit 10: Permanent Disability, Benefit 11: Loss of Income, or Benefit 18: Personal Liability) if You have purchased the Adventure Pack and the claim Arises out of Your amateur participation in the following Adventure Activities:
Abseiling
Animal conservation and handling (under appropriate supervision)
Animal / Sealife encounters (in a controlled, enclosed environment with a licensed operator, no killer whales and no free diving)
Battle re-enactment (not with firearms)
Boxing (basic training only, no sparring, no competition)
Cave/river tubing
Caving/potholing
Contact sports: basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, hurling, Gaelic football, lacrosse, roller derby, and squash.
Deep sea fishing with a licensed commercial operator up to 15 nautical miles off any land mass (for 1 or more overnight stays in Australia or 4 or more nights Overseas on a Cruise ship, You must specify cruise cover)
Expeditions to or on the Kokoda Track/Trail
Flying fox/zip lining
Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required
Martial arts (basic training only, no sparring, no competition)
Outdoor rock climbing (only with a licensed commercial operator and with ropes and appropriate safety gear; but not free soloing)
Quad biking & Recreational all-terrain vehicles (only single rider with maximum one passenger, and no jumping, racing or competition)
Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)
Sandboarding
Sailing from 10 nautical miles up to 15 nautical miles off any land mass (but not competition or racing)
Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights Overseas on a Cruise ship, You must specify cruise cover)
Segway tours
Shooting moving targets, such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris)
Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (You must be in tandem with an instructor licensed for these activities)
Water skiing, jet skiing, speedboating, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps)

If You do not comply with the participation conditions described in italics after certain Adventure Activities.
If You were 75 years of age or older at the date of Policy issue.
If You participate in any Adventure Activities other than as an amateur.
If You participate in any Adventure Activities in a race or timed format.
If the claim or loss is for Permanent disability under Benefit 10, loss of income under Benefit 11, or personal liability under Benefit 18.
For any medical or ancillary expenses incurred in Australia.

Please also read General Exclusions that apply to all benefits.