Claims on other insurers
Privacy
It is your responsibility to advise AIA if there is another insurer, who is responsible under any contract of insurance or indemnity to pay for any costs for which you make a claim under this policy. You must make every reasonable effort to make a claim or seek recovery of costs from that insurer for any expenses recoverable. Any expenses covered by another insurer in this way will not be covered by AIA under this policy. However, if there are other expenses that are not covered by your other insurer please send details of the level of payment to us along with your claim. We will deduct the payment made by your other insurer then reimburse you for the remaining costs in accordance with this policy. If you have two or more policies with AIA you cannot claim for, or be reimbursed for, an amount higher than the total cost of your treatment.
We take your and all lives assureds ’ right to privacy seriously. We will comply with the Privacy Act 2020 and the Health Information Privacy Code 2020 at all times. For more information on what information we collect, how we will use it, security, access and correction of your and the lives assureds ’ personal information please see our Privacy Policy on our website at aia.co.nz or telephone us on 0800 500 108 to request a copy. If you believe we have breached your or any life assured ’ s right to privacy, please contact AIA and ask to speak with our Privacy Officer who will investigate this for you.
Code of practice
This policy complies with the Health Funds Association of New Zealand Industry Code.
Claims involving ACC
This policy does not cover any costs arising from treatments or procedures including treatment injuries (medical misadventure) that ACC is legally responsible to pay.
Subject to the laws of New Zealand
This policy is issued in New Zealand and is subject to the laws of New Zealand.
No surrender value
This policy does not participate in the profits of AIA . This policy has no surrender or cash value if it is cancelled.
Complaints
Your suggestions, compliments, queries and complaints are important to AIA , and help us to improve the service we provide to you. If you would like to make a complaint please send your complaint to AIA in writing or by email and we will investigate your complaint and respond to you. If you are not satisfied with the outcome of your complaint you have the right to refer your complaint to the Insurance and Financial Services Ombudsman. The Insurance and Financial Services Ombudsman provides a free dispute resolution service. The Insurance and Financial Services Ombudsman can only deal with a complaint after you have referred your complaint to AIA and received a response from AIA confirming that AIA’s internal complaints procedure has been exhausted. You can obtain more information about the Ombudsman from the website: www.ifso.nz
The Ombudsman’s address is:
Insurance and Financial Services Ombudsman PO Box 10-845 Wellington 6143 Phone: (04) 499 7612 or 0800 888 202
1304 ACC – UMB version 4 Effective 08 March 2024
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