prostheses
The artificial parts used to replace body parts when specific types of surgery are undertaken.
public hospital
A “hospital care institution” as defined by section 58 of the Health and Disability Services (Safety) Act 2001 (or its amendment or replacement), that is directly or indirectly owned or funded by the New Zealand Government. Charges, costs and fees that AIA has determined are reasonable for the treatment, procedure, consultation, test, diagnostic imaging, support or care when carried out or taking place in New Zealand (irrespective of whether the treatment, procedure, consultation, test, diagnostic imaging, support or care is in fact carried out or takes place in New Zealand or overseas).
reasonable charges
For further details about how these charges are calculated and how they impact on your claims see the section ‘Part D: How to make a claim’ on pages 4–5.
A person, acceptable to AIA , who holds a current practising certificate in compliance with the Health Practitioners Competence Assurance Act 2003 (or its successor) and who is registered and practising as a medical practitioner in New Zealand or Australia, other than: The policy owner(s) ; The life assured ; A family member of the life assured or policy owner(s) ; The business partner or associate of the life assured’s or policy owner(s) .
registered medical practitioner
AIA reserves the right to accept the advice of a medical practitioner practising outside New Zealand or Australia with qualifications equivalent to New Zealand or Australian standards
registered nurse
A person who holds a current practicing certificate in compliance with the Health Practitioners Competence Assurance Act 2003 (or its successor) and is a member of the Nursing Council of New Zealand (or its successor).
risk commencement date
The risk commencement date stated in the schedule.
substantially incorrect
A statement is substantially incorrect only if the difference between what was stated and what is actually correct would have been considered material by a prudent insurer. A registered medical practitioner who is a member of an appropriately recognised specialist college; and has authority granted under the Health Practitioners Competence Assurance Act 2003 (or its successor) to perform that health service; and has Medical Council of New Zealand (or its successors) vocational registration for that health service.
specialist
For the purpose of this definition, this excludes general practitioners (who are covered under this policy as registered medical practitioners ).
the schedule
The most recent schedule for your policy, which confirms the policy owner (s), the lives assured , important policy details about the policy and any specific endorsements or exclusions that AIA has applied to the policy and: any notice of a change to premiums ; and any policy alteration or endorsement documents recording a change to your policy.
transfer of ownership form
AIA’s standard form for an assignment of a policy by way of ordinary transfer.
1304 ACC – UMB version 4 Effective 08 March 2024
Page 21 of 21
Powered by FlippingBook