“You”, “Your”, “Yourself” means the people listed as adults on the Certificate of Insurance and includes Accompanied Children except on the Domestic Plan in which case cover applies on a per person basis only. Where more than one person is listed as an adult on the Certificate of Insurance all benefits, limitations, conditions and exclusions will be interpreted as if a separate policy was issued to each of the persons listed as an adult other than:
a) in the event a claim arising from the one event is made, an excess (if applicable) will only be applied once;
b) in the case of luggage item limits which shall be as per a single policy;
c) for Section 3 on the Premium Plan and the Inbound Plan where the limit chosen applies per policy.
In respect of organised groups, each child not travelling with their usual guardian must purchase a separate policy.