9. Benefits – what you are covered for
Your policy covers the cost up to the maximum cover for each life assured for the reasonable charges of the following services carried out in New Zealand:
Benefit
Benefit entitlement
Maximum cover
Covers medically necessary consultations with a specialist when referred by a registered medical practitioner .
$10,000 per life assured, per policy year
SPECIALIST CONSULTATIONS
The excess applies to any claims under this benefit.
Covers the following medically necessary diagnostic procedures performed at an approved facility when referred by a registered medical practitioner:
Allergy testing
Audiology tests
CT scans
Capsule endoscopy
Colonoscopy
Colposcopy
Cystoscopy
Electroencephalography (EEG)
Electromyography (EMG)
Exercise/Stress ECG
Gastroscopy
$100,000 per life assured, per policy year
DIAGNOSTIC IMAGING AND TESTS
Holter monitoring/24 Hour Ambulatory monitoring
Laboratory tests
Mammography
MRI scans
Myelogram
Myocardial perfusion imaging
PET/CT scans
Scintigraphy
Sleep studies
Ultrasound
Urodynamic assessments
X-rays
Cover is available for the cost of other diagnostic imaging and tests, subject to AIA’s prior approval.
The excess applies to any claims under this benefit.
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1118 AL-STS Version 1 Effective 1 October 2025
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