If ACC does not cover the claim due to the policy owner’s or the life assured ’ s failure to properly make a claim with ACC or comply with ACC’s claims requirements, we will deem this to mean that the policy owner or life assured has not made reasonable efforts to secure cover with ACC and so is not able to claim under this policy. Subject to the laws of New Zealand This policy is issued in New Zealand and is subject to the
laws of New Zealand. No surrender value
This policy does not participate in the profits of AIA . This policy has no surrender or cash value if it is cancelled.
Complaints Your suggestions, compliments, queries and complaints are important to AIA , and help us to improve the service we provide to you. If you would like to make a complaint, please send your complaint to AIA in writing or by email and we will investigate your complaint and respond to you. If you are not satisfied with the outcome of your complaint you have the right to refer your complaint to the Insurance and Financial Services Ombudsman. The Insurance and Financial Services Ombudsman provides a free dispute resolution service. The Insurance and Financial Services Ombudsman can only deal with a complaint after you have referred your complaint to AIA and received a response from AIA confirming that AIA’s internal complaints procedure has been exhausted. You can obtain more information about the Ombudsman from the website: www.ifso.nz The Ombudsman’s address is: Insurance and Financial Services Ombudsman Privacy We take your and all lives assureds ’ right to privacy seriously. We will comply with the Privacy Act 2020 and the Health Information Privacy Code 2020 at all times. For more information on what information we collect, how we will use it, security, access and correction of your and the lives assureds ’ personal information please see our Privacy Policy on our website at aia.co.nz or telephone us on 0800 500 108 to request a copy. If you believe we have breached your or any life assured ’ s right to privacy, please contact AIA and ask to speak with our Privacy Officer who will investigate this for you. PO Box 10-845 Wellington 6143 Phone: (04) 499 7612 or 0800 888 202 Code of practice This policy complies with the Health Funds Association of New Zealand Industry Code.
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1300 APH-UMB version 6 Effective 17 April 2025
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