11. Key terms
be held in conjunction with the Specialist and Testing Support Benefit at all times. Charges, costs and fees that AIA has determined are reasonable for the consultation or procedure when carried out or taking place in New Zealand. For further details about how these charges are calculated and how they impact on your claims see the section 3 ‘How to make a claim’ . 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, other than:
A continuous period of cover from the risk commencement date during which the premium is paid for the life assured . The amount that you will be responsible to pay towards the cost of any procedure or benefit you are entitled to claim, or be reimbursed for under this policy for a life assured . The maximum amount AIA will pay for each benefit or combination of benefits, as specified for the benefit(s). A specialist consultation or diagnostic test provided by a registered medical practitioner or specialist that AIA deems on reasonable grounds is necessary for the diagnosis, care or treatment of the disease or illness involved. Under no circumstances will the following services be considered medically necessary:
continuous cover
reasonable charges
excess
maximum cover
registered medical practitioner
medically necessary
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) .
those that do not require the skills or services of a registered medical practitioner or specialist ; those provided mainly for the comfort or convenience of the life assured ; those services that do not relate to the medical treatment being provided.
Any preventative treatment, health surveillance testing (including as a result of family history), or investigative procedure performed by a registered medical practitioner where the life assured has no medical symptoms.
routine screening
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. Eligible life, trauma, total permanent disablement or income protection benefits that meet AIA’s minimum requirements to add the Specialist and Testing Support Benefit. A qualifying benefit must
pre-existing condition
qualifying benefits
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1118 AL-STS Version 1 Effective 1 October 2025
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