Mental illness
Psychiatric, psychological and/or neurodevelopment disorders including treatment or counselling for but not limited to pre-senile dementia, senile illness or dementia, geriatric care including geriatric in-patient care and disability support services, intellectual disability (intellectual development disorder), autism spectrum disorder, attention deficit/hyperactivity disorder, specific learning disorders, motor disorders (including but not limited to Tourette’s disorder) or dyslexia. New medical treatments and procedures including any prescription drugs, medical devices, treatment techniques and/or procedures, tests and/or other healthcare services that have not been approved by AIA in its sole discretion.
New treatments and techniques
Nuclear contamination
Any illness or condition arising from nuclear contamination.
Nursing
Nursing care, except where expressly covered under a benefit in this policy.
Organ donation
Organ donation and receipt.
Out of scope treatment
Treatments or procedures not provided by a registered medical practitioner practising within his or her scope of practice except where expressly covered under a benefit in this policy.
Palliative care
Palliative care, except where expressly covered by a benefit in this policy.
Pre-cancerous condition
Any pre-cancerous condition such as cervical, vaginal or prostatic intraepithelial neoplasia (dysplasia).
Pre-existing conditions
Any pre-existing condition , unless the symptom or condition was disclosed to AIA at the time of your application and accepted as covered by AIA in writing.
Prescriptions
Prescriptions, except where expressly covered by a benefit in this policy.
Preventative treatment and routine screening
Preventative treatment, health surveillance screening or treatment or investigation (including as a result of family history) where the life assured has no medical symptoms or where the condition will not cause significant problems for the health of the life assured if medical treatment is not received, except where expressly covered by a benefit in this policy.
Public hospital treatment
Treatment provided in a public hospital , except where expressly covered by a benefit in this policy or approved by AIA prior to receipt of the treatment.
Reconstructive surgery relating to previous surgery
Reconstructive or reparative treatment associated with a surgical procedure performed before the risk commencement date .
Treatment outside of New Zealand
Treatment carried out outside of New Zealand, except where expressly covered by a benefit in this policy.
War/terrorism
Injuries of war or resulting from any terrorist act (whether war is declared or not).
1304 ACC – UMB version 4 Effective 08 March 2024
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