Any in force policy/policies for the life assured that were issued on or before the 30 June 2019, where: > Sovereign Assurance Company Limited (“Sovereign”) was the insurer; and/or > AIA International Limited, New Zealand Branch (“AIA International”) was the insurer. AIA in its sole discretion may pay more than 1 benefit, or more than the stated maximum sum assured for the same claim event should the life assured have cover under 1 or more related policy/policies through both Sovereign and AIA International. A subsequent surgery performed within 3 months of an initial surgery for the purpose of treating the same medical condition, where the life assured has had an accepted Surgery Benefit claim and paid any applicable excess . For example, if surgeries are staggered on the advice of an appropriate specialist for best medical practice.
related policy/policies
related surgery
The risk commencement date stated in the schedule.
risk commencement date
A statement is substantially incorrect only if the difference between what was stated and what is actually correct would have been considered material by a prudent insurer. A registered medical practitioner who is a member of an appropriately recognised specialist college; and > Has authority granted under the Health Practitioners Competence Assurance Act 2003 (or its successor) to perform that health service; and > Has Medical Council of New Zealand (or its successors) vocational registration for that health service. > For the purpose of this definition, this excludes general practitioners (who are covered under this policy as registered medical practitioners ) . The most recent schedule for your policy, which confirms the policy owner (s), the lives assured , important policy details about the policy and any specific endorsements or exclusions that AIA has applied to the policy and: > any notice of a change to premiums ; and > any policy alteration or endorsement documents recording a change to your policy.
substantially incorrect
specialist
the schedule
AIA’s standard form for an assignment of a policy by way of ordinary transfer.
transfer of ownership form
1300 APH-UMB version 6 Effective 17 April 2025
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