AIA Cancer Care Policy Wording

Benefit

Benefit entitlement

Maximum cover

If, during the course of any medical procedure or treatment in connection with the treatment of cancer in an approved facility, a life assured should die directly as a consequence of any erroneous or negligent action, omission or failure to observe reasonable and customary standards by a care provider in that approved facility, the maximum cover of this benefit will be paid, provided:  the death occurs within 30 days of such a recorded and proven incident  the incident is verified and confirmed by the relevant Government authority, a court of law, coroner’s inquest or the Medical Council of New Zealand  the death is independent of any other cause other than the termination of the life support system after brain death has been established. Covers the cost up to the maximum cover for this benefit of the following procedures performed at an approved facility :  bowel screening  breast screening  cervical screening  prostate screening  skin checks Cover under this AIA Cancer Care benefit is only available to a life assured after three years of continuous cover , or after two years of continuous cover if the life assured is a member of AIA Vitality . The cancer health screening test does not need to be medically necessary but the procedure must be performed by or referred by a registered medical practitioner. The pre-existing conditions exclusion and the congenital conditions exclusion do not apply to the Cancer Health Screening Allowance benefit. If as a result of a health screening test, a diagnosis is made for a condition requiring treatment or care that is covered under another benefit in this policy, the costs incurred for the screening will be covered under that benefit and the maximum cover for this benefit will be reinstated.

$30,000 per life assured per lifetime

MEDICAL MISADVENTURE

$300 per life assured for each three-year period or $450 if the life assured is a member of AIA Vitality

CANCER HEALTH SCREENING ALLOWANCE

1304 ACC – UMB version 4 Effective 08 March 2024

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