The payment you receive will be a lump sum payment, which is calculated using your selected monthly benefit amount multiplied by the amount payable for the injury as set out in the table. You can choose a monthly benefit amount up to $5,000. How payments are calculated
Example
While walking her dog, Beth trips and falls on her knee onto the concrete footpath. She heads to the emergency clinic where an x-ray confirms she has fractured her kneecap, this is a covered injury under Category B.
FRACTURED KNEECAP INJURY 2 TIMES MONTHLY BENEFIT AMOUNT
CLAIM PAYMENT OF $10,000 ($5,000 X 2 MONTHS)
SELECTED MONTHLY BENEFIT AMOUNT $5,000
=
Some examples of accidental injuries that aren’t covered
Specified Accidental Injury Cover only applies to injuries specifically covered under the “Specified Injury Categories” in the policy wordings. All other injuries are not covered. Below are some scenarios.
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Chloe’s ruptured achilles During a netball tournament Chloe collides with another player and ruptures her Achilles tendon. Chloe doesn’t require surgery and hasn’t broken any bones. Chloe has suffered an accidental injury. However, Achilles tendon injuries are not included in the specified injury categories, so she doesn’t meet the criteria for an eligible claim.
Michael’s broken finger Whilst doing some DIY at the weekend, Michael broke his finger when he trapped it in a door. He has a fracture, and his finger has been placed in a splint until it heals. Michael’s accidental injury has resulted in a fracture of his finger. However, fractures of fingers are not included in the specified injury categories, so he doesn’t meet the criteria for an eligible claim.
Sam’s fractured rib Sam fractured a rib during a
particularly tough rugby game over the weekend. The doctor advises that there is nothing they can do and he just needs to take it easy. Sam’s accidental injury has resulted in a fracture. However, fractures to two ribs or less are not included in the specified injury categories, he doesn’t meet the criteria for an eligible claim.
NO CLAIM
NO CLAIM
NO CLAIM
We will assess all claims on an individual basis, looking at the facts available and considering any supporting medical or other evidence. For full details on this product and the exclusions that apply, please refer to the policy wording on aia.co.nz/saic.
Specified Accidental Injury Cover
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