A. About this policy This document is the policy document. It explains what your policy covers. It should be read in conjunction with all the documents that form part of your policy. Your AIA Private Health policy is a contract between the policy owner(s) and AIA . If more than one person is named in the schedule as policy owner , the policy is owned by all of them jointly. Any notice to us to do with your policy must be given by all policy owners unless we are satisfied that, after reasonable efforts have been made, a policy owner cannot be located. In that case we may act on notice given by the other policy owner(s) and, if we do, we will not be liable to any person for any consequences. The terms of your policy are set out and contained in the following documents: > This policy document and any alterations made to it; > The schedule which states who the policy owner(s) and lives assured are, as well as setting out other important information such as the excess, exclusions, endorsements and terms or conditions that apply to your policy; and > The optional benefit appendix for the Waiver of Premium Benefit, where you have chosen this benefit and it is shown in the schedule. Some words in this document are italicised indicating they are key terms that are defined in the section entitled ‘Part J: Defined terms’ on pages 26-29. The headings in this policy document are for guidance only. They do not form part of the policy and they are not to be used when interpreting it. Who does your policy cover? The life or lives assured named in the schedule are covered under your policy. If there are multiple lives assured each life assured is covered separately. When does your policy start? Your policy starts on the risk commencement date stated in the schedule . What does your policy cover? Your policy covers the benefits set out at ‘Part H: Benefits – what you are covered for’ on pages 10-22, subject to meeting the terms and conditions of your policy and any exclusions that may apply. What is not covered by this policy? What you are not covered for is set out at ‘Part I: Exclusions – what you are not covered for’ on pages 23-25.
B. Enhancement Pass Back Benefit If at any time in the future, we make a change to a section and/or provision within a section of our AIA Private Health policy and the change is favourable to you, the enhanced section and/or provision will automatically be applied (passed back) to this policy, subject to the following: > At claim time AIA will compare the enhanced section and/or provision in the latest version of AIA Private Health with this policy and will apply the section and/or provision that is most favourable to you. AIA will not apply changes to sections and/or provision set out in earlier versions of AIA Private Health which are not included in the latest version. > The enhanced section and/or provision will only be applied to this policy if it relates to a benefit for which you have cover under this policy. > The enhanced section and/or provision will be ‘applied’ to this policy with effect from the pass back date . > The enhanced section and/or provision will only apply if the claim event first occurs on or after the pass back date . Eligibility criteria for individual benefits will still apply. > If the claim event first occurred before the pass back date , then the claim will not be assessed or reassessed using the new wording. > Any underwriting exclusions or special terms that apply to this policy will not be altered by any enhanced section and/or provision. > Any associated increase in premium required will be applied when your premiums are next reviewed. > Enhancements to sections and/or provisions that relate to AIA Private Health Plus will only be passed back where AIA Private Health Plus is listed in the schedule . > Enhancements will not be passed back to built-in benefit sections and/or provisions that no longer exist. For the avoidance of doubt, where the definition of a provision or provisions is enhanced under this benefit, the enhancement will only be applied in respect of that provision or the provisions you are making a claim for. If the nature of the change to a section and/or provision means that it cannot be determined at the time of submitting a claim whether the change will be clearly favourable to you or not, you will need to elect whether or not the change will apply to the claim. After you have made the election, this election cannot be changed.
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1300 APH-UMB version 6 Effective 17 April 2025
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