J. Defined terms
DEFINED TERM
DEFINITION
ACC
The Accident Compensation Corporation of New Zealand (or any organisation or agency executing or administering ACC law).
Accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event.
AIA
Means AIA New Zealand Limited, also referred to in this policy as ‘we’, ‘our’ or ‘us’.
A set of criteria AIA uses to consider and approve chemotherapy or radiotherapy treatments under the Cancer Care benefit in order to ensure the treatment falls within reasonable charges .
AIA criteria
The criteria is determined by reference to:
Whether the medicine is recommended for public funding by the Pharmaceutical Therapeutics Advisory Committee (or its successor);
The medical advice of the treating oncologists;
International evidence of clinical effectiveness;
Other factors that AIA reasonably assesses as relevant.
AIA policy/policies
Any policy or policies where AIA is the insurer, this includes any related policy/policies issued by either: Sovereign Assurance Company Limited or AIA International Limited, New Zealand Branch.
AIA Vitality
Means AIA Vitality, a health and wellbeing programme offered by AIA.
ancillary hospital charges
Anaesthetic supplies, dressings, pathology tests, ECG, intravenous fluids and irrigating solutions, post-operative physiotherapy, medication prescribed and taken while in hospital (except for drugs that are not subsidised by Pharmac).
An appendix to your AIA Private Health policy, which contains the terms of an optional benefit you have chosen.
appendix
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 .
The anniversary of the risk commencement date of this policy.
anniversary date
Disease caused by the uncontrolled growth of abnormal cells which is histologically diagnosed and characterised by a specialist as cancer.
cancer
Pre-cancerous conditions, such as cervical, vaginal or prostatic intraepithelial neoplasia (dysplasia) of any grade, are not considered cancer for the purposes of the Cancer Care benefit.
child/children
Any biological child/children, adopted child/children or child/children under the legal guardianship of:
the policy owner(s) ; or
the spouse or de facto partner of the policy owner (if that person is a life assured ).
1300 APH-UMB version 7 Effective 12 May 2026
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