Benefit
Benefit entitlement
Maximum cover
AIA Private Health Cover and AIA Private Health Plus
When a medically necessary treatment or procedure covered by one of the other benefits of this policy is available in New Zealand but is unable to be carried out within six months in an approved facility, and so is carried out in an overseas facility approved by AIA , this benefit covers that treatment, procedure, consultation, test, diagnostic imaging, support or care up to the maximum cover stated for the applicable benefit in New Zealand dollars. Cover is also provided for the cost of two return economy class airfares for the life assured and a support person. Prior approval must be obtained prior to the treatment or procedure taking place.
TREATMENT OVERSEAS WHERE THE WAITING PERIOD FOR TREATMENT IN AN APPROVED FACILITY IN NEW ZEALAND IS GREATER THAN SIX MONTHS
Benefit maximum for the applicable benefit applies
The excess applies to any claims under this benefit.
When a medically necessary treatment or procedure is unable to be undertaken in New Zealand, this benefit covers the cost of that treatment or procedure up to the maximum cover stated for this benefit in New Zealand dollars. The treatment must be at an overseas facility acceptable to AIA and is only provided for those treatments, procedure, consultation, test, diagnostic imaging, support or care that a specialist has recommended. Cover is also provided for the cost of two return economy class airfares for the life assured and a support person. Cover for airfares is included within the maximum cover stated for this benefit. Prior approval must be obtained prior to the treatment or procedure taking place. The excess applies to any claims under this benefit. Where a life assured has a publicly funded treatment or procedure in a public hospital that would otherwise have been covered by a benefit in this policy and that treatment or procedure includes overnight admission of two or more nights’ stay, AIA will credit the amount of the life assured ’ s premium to this policy for 12 months in line with the premium due date. A copy of the hospital discharge summary must accompany the claim form. Excludes hospital admissions for treatment of accidents or injuries or maternity admissions. No excess is payable for any claims under this benefit. Provides a lump sum payment up to the maximum cover for this benefit for any life assured who has an overnight admission of three or more nights in a public hospital and where the hospitalisation is publicly funded. This benefit is payable from the third night of admission. A copy of the hospital discharge summary must accompany the claim form. Excludes maternity admissions. No excess is payable for any claims under this benefit.
TREATMENT OVERSEAS WHERE THE TREATMENT IS NOT AVAILABLE IN NEW ZEALAND
$30,000 per life assured per policy year
PUBLIC HOSPITAL CREDIT
One year’s free cover
$300 per day up to $3,000 per life assured per policy year
PUBLIC HOSPITAL CASH GRANT
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1300 APH-UMB version 6 Effective 17 April 2025
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