Government authority
A Government agency, department or organisation including without limitation, ACC and Work and Income New Zealand (or its successor).
life/lives assured
The person or people insured for the benefit(s) as named in the schedule .
material
A statement is material only if that statement would have influenced the judgment of a prudent insurer in fixing the premium or in determining whether he/she would have taken or continued the risk upon the same terms.
maximum cover
The maximum amount AIA will pay for each benefit or combination of benefits, as specified for the benefit(s).
medically necessary
A service or supply provided by a registered medical practitioner or specialist that AIA deems on reasonable grounds is necessary for the diagnosis, care or treatment of cancer . Under no circumstances will the following services or supplies be considered medically necessary: those services or supplies that do not require the skills or services of a registered medical practitioner or specialist ; those services or supplies furnished mainly for the comfort or convenience of the life assured . those services or supplies that do not relate to the medical treatment being provided (for example alcohol, toiletries, pay TV, car parking and take away meals). Treatment provided by a registered occupational therapist who is: in private practice and holds a current annual practicing certificate; and a member of the Occupational Therapy Board of New Zealand (or its successor). An oral surgeon, oral medicine specialist or oral and maxillofacial surgeon registered with the Dental Council of New Zealand (or its successor) or a specialist vocationally registered in Oral Maxillofacial surgery.
occupational therapy
oral surgeon
pass back date
The date that the relevant change to AIA’s Cancer Care policy comes into effect, as determined by AIA .
physiotherapy
Treatment by a physiotherapist registered with the Physiotherapy Board of New Zealand (or its successor).
policy fee
The administration fee charged by AIA as detailed in the policy illustration or in any communication to you containing information about your policy.
policy owner(s)
The person or people named as ‘policy owner’ in the schedule , also referred to in this policy as ‘you’ or ‘your’.
policy year
The 12-month period from the risk commencement date to (but excluding) the first anniversary date and each successive 12-month period from an anniversary date to (but excluding) the next anniversary date .
premium(s)
The amount payable by you to AIA , comprising the cost of the benefits chosen by you, plus any applicable policy fee , less any eligible premium discounts if any.
premium due date
The date on which the premium is payable under this policy, as agreed with AIA .
pre-existing condition
Any disease, injury or medical condition for which, prior to the risk commencement date , the life assured knew they had or ought on reasonable grounds to have known they had, or for which they had experienced a symptom, consulted a registered medical practitioner , received treatment or services from a registered medical practitioner or took prescribed drugs or medication.
1304 ACC – UMB version 4 Effective 08 March 2024
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