chosen.
whether he/she would have taken or continued the risk upon the same terms.
approved facility
Any one of the following:
A privately owned hospital; or A public hospital which allows privately funded treatment to be carried out; or A private medical or diagnostic facility, where minor surgery, treatments, consultations or diagnostic procedures are carried out; or Otherwise a medical facility approved by AIA .
non-health benefit(s)
Any benefit shown on the schedule , excluding health benefits .
pass back date
The date that the relevant change to AIA’s Living policy
comes into effect, as determined by AIA .
The administration fee charged by AIA as detailed in the policy illustration or in any communication to you containing information about your policy. The person or people named as ‘policy owner’ in the schedule, also referred to in this policy as ‘you’ or ‘your’. The period from the risk commencement date to (but excluding) the first anniversary date , or from an anniversary date to (but excluding) the next anniversary date . The amount payable by you to AIA under this policy, comprising the cost of the benefits chosen by you, plus any applicable policy fee , less any eligible premium discounts if any.
policy fee
policy owner(s)
child/children
Any biological child/children, adopted child/children or child/children under the legal guardianship of:
policy year
a life assured ; or
the spouse, civil or de facto partner of a life assured .
The death, illness, injury, condition , or redundancy that you are claiming for under your AIA Living policy.
claim event
premium
condition(s)
As defined in the Optional Benefit Appendix for Critical Conditions, Progressive Care and Severe Trauma Benefits. The Consumers Price Index (all groups) issued by the Government Statistician as at 30 September each year, or any index which may replace that index. A relative who is the life assured's spouse, civil or de facto partner, mother, father, stepmother, stepfather, brother, sister, stepbrother, stepsister, child , grandfather or grandmother.
premium due date
The date on which the premium is payable under the policy, as agreed with AIA .
consumers price index
registered medical practitioner(s)
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) ; or The business partner or associate of a life assured or policy owner . 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.
close relative
The Specialist and Testing Support Benefit.
health benefit(s)
The person or people insured for the benefit(s) as named in the schedule.
life/lives assured
A statement is material only if that statement would have influenced the judgment of a prudent insurer in fixing the premium or in determining
material
1100 AL-UMB version 8 Effective 12 May 2026
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