Below are some extra benefits you can add to your Rural Continuity to give you additional support. Optional benefits you can add on
Specified Accidental Injury Cover This optional benefit provides a single up-front payment, should you experience an accidental injury. This payment can be used for whatever you need: covering treatment costs, getting taxis to work, hiring someone to help with children, or simply taking time off work to recover. You choose how much cover you need, up to $5,000 a month, and the lump sum you receive is based on the treatment you require. Making a claim under this optional benefit is not affected by payments from ACC or other insurances you may have. Peak Season Upgrade Benefit You will receive an additional 25% of the monthly benefit while you are still receiving a Total Disablement Benefit during the nominated 3 month peak season period.
A note on exclusions and benefits Our rural insurance (including the built-in benefits and optional benefits in this brochure) is subject to certain stand-down periods and exclusions. Please also note that the optional benefits are subject to an increase in premium and their own terms and conditions. For more information, please refer to the relevant policy wordings which can be found on aia.co.nz or speak to your Adviser. Upgrade with Business Income Support Benefit This benefit extends your Rural Continuity insurance to provide further support which is especially important if you face a long term illness or injury. These are the benefits included in our Business Income Support Benefit: • Total Disablement Benefit • Partial Disablement Benefit Partial Disablement Bridging Benefit • Recurrent Disablement Benefit • Vocational Assistance • Home Modification and Equipment Expenses Benefit • Rehabilitation and Support
Partial Disablement Benefit This provides additional income if, owing to a
continuation of the disability, you are working less than 75% of the working hours stated at application time and have been totally disabled. If you choose to take this benefit you’ll also have access to: Partial Disablement Bridging Benefit If you move from a total to partial disability benefit, this pays a lump sum equal to 1/3rd of the last monthly total disability benefit to help cover costs during the transition period.
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Rural Insurance
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