Treatment by a physiotherapist registered with the Physiotherapy Board of New Zealand (or its successor).
physiotherapy
The administration fee charged by AIA as detailed in the policy illustration or in any communication to you containing information about your policy.
policy fee
The person or people named as ‘policy owner’ in the schedule , also referred to in this policy as ‘you’ or ‘your’. The 12-month period from the risk commencement date to (but excluding) the first anniversary date and each successive 12-month period from an anniversary date to (but excluding) the next anniversary date .
policy owner(s)
policy year
The amount payable by you to AIA , comprising the cost of the benefits chosen by you, plus any applicable policy fee , less any eligible premium discounts if any.
premium(s)
The date on which the premium is payable under this policy, as agreed with AIA .
premium due date
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.
pre-existing condition
The artificial parts used to replace body parts when specific types of surgery are undertaken.
prostheses
A “hospital care institution” as defined by section 58 of the Health and Disability Services (Safety) Act 2001 (or its amendment or replacement), that is directly or indirectly owned or funded by the New Zealand Government. Charges, costs and fees that AIA has determined are reasonable for the treatment, procedure, consultation, test, diagnostic imaging, support or care when carried out or taking place in New Zealand (irrespective of whether the treatment, procedure, consultation, test, diagnostic imaging, support or care is in fact carried out or takes place in New Zealand or overseas). For further details about how these charges are calculated and how they impact on your claims see the section ‘Part D: How to make a claim’ on pages 4–6. 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) ; > The business partner or associate of the life assured’s or policy owner(s) . 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 A person who holds a current practicing certificate in compliance with the Health Practitioners Competence Assurance Act 2003 (or its successor) and is a member of the Nursing Council of New Zealand (or its successor).
public hospital
reasonable charges
registered medical practitioner
registered nurse
1300 APH-UMB version 6 Effective 17 April 2025
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