Benefit
Benefit entitlement
Maximum cover
Covers the cost of home nursing care up to the maximum cover for this benefit where the care is provided by a registered nurse following a surgical or medical procedure covered by this policy, and such care is recommended by a specialist or registered medical practitioner. Upon the death of a policy owner (where the death is not caused by something excluded under this policy), AIA will provide cover under this policy for the surviving lives assured covered by the policy at the time of death, free of charge for a period of two years. If a treatment covered by one of the other benefits of this policy is not available within 100km of your home or usual place of residence, AIA will pay up to the maximum cover for this benefit of transport and accommodation for the life assured to travel to obtain that treatment and/or a support person to accompany them. Covers the costs of ambulance transfer expenses incurred by the life assured for emergency transportation to or from hospital within New Zealand for the treatment of cancer . This Benefit is not payable in respect of any ambulance transfers provided for either personal or social reasons, or where the associated costs would be covered by ACC or any other benefit provision under this policy. All payments made under this benefit will be in New Zealand dollars and will be credited directly to the bank account nominated by the policy owner . We will not accept responsibility for costs associated with any complications during or following any treatment or procedure covered under this benefit that arise as a direct or indirect result of the treatment, procedure, consultation, test, diagnostic imaging, support or care. No Medical Misadventure benefit is payable in relation to any treatment, procedure, consultation, test, diagnostic imaging, support or care covered under this benefit. Prior approval must be obtained before the treatment, procedure, consultation, test, diagnostic imaging, support or care takes place. Treatment in Australia This benefit covers the costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support or care, subject to the maximum cover under this policy for the applicable benefit in New Zealand dollars, at a health service facility approved by AIA . Treatment outside Australia This benefit covers the costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support or care recommended by a New Zealand specialist . Cover is also provided for the cost of a single return economy class airfare for the life assured and one support person. The total amount payable under this benefit is 85% of the reasonable charges , subject to the maximum cover under this policy for the applicable benefit in New Zealand dollars, at a health service facility approved by AIA . Treatment in and outside Australia Following the treatment, procedure, consultation, test, diagnostic imaging, support or care, a receipt in English needs to be provided to AIA , together with any other information reasonably required by AIA from the health service provider. Where applicable, any translation services must be provided by an appropriate registered translator in New Zealand acceptable to AIA .
$300 per day, up to $5,000 per life assured per policy year
HOME NURSING
WAIVER OF PREMIUM ON DEATH
Two year’s free cover
$3,000 per life assured per policy year , with a daily sub- limit of $300 for accommodation costs.
TREATMENT AWAY FROM HOME IN NEW ZEALAND
AMBULANCE TRANSFER BENEFIT
$200 per life assured per policy year
Maximum cover for the applicable benefit, subject to the additional limits, exclusions and requirements set out in this section
VOLUNTARY TREATMENT OVERSEAS
1304 ACC – UMB version 4 Effective 08 March 2024
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