REHABILITATION EQUIPMENT EXPENSE BENEFIT
14
A Rehabilitation Expense Benefit is payable of six (6) times the monthly Benefit to cover costs of purchasing specialist equipment or completing home alterations which are necessary as a result of disability. This Benefit is payable at Our sole discretion where it is deemed the Benefit will assist the Life Assured with a return to independence and the workforce. We shall be entitled to arrange for an appropriately qualified health professional to assess any recommendation for specialist equipment or home alterations. This Benefit will be reduced by any costs recovered from other sources such as other insurers or the ACC. The annual Total Premium or instalment of the Total Premium is payable for the entire duration of the Benefit together with any increases in premium applicable for the Inflation Adjustable Benefit . If the Policy Schedule shows that You have selected a Level Premium, We will not do any age recalculation during the duration of the Policy . In all other cases, Your Vital Income Protection Benefit Premium specified in the Policy Schedule will be recalculated every year based on the age of the Life Assured at that time. Please note that the Premium Rates are not guaranteed and are subject to review from time to time. The Premium will be determined by the Premium Rates in effect at that time. The Vital Income Protection Benefit may be renewed up to the anniversary of the Policy Commencement Date following the Life Assured attaining the age of sixty-five (65) as per the Policy Schedule , regardless of changes in the health or occupation of the Life Assured . No Benefits shall be paid under this Policy if the injury or sickness resulting in Total Disability directly or indirectly was caused by or resulted from: Intentionally self-inflicted injury whether the Life Assured is sane or insane.
PREMIUM
15
RENEWAL
16
EXCLUSIONS
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A
B
Participation in any Criminal Act .
C Pregnancy, childbirth, abortion or miscarriage unless the Total Disability lasts for more than ninety (90) days after the end of pregnancy, at which time the Waiting Period will commence. D In the case of a Policy with a Benefit Period of two (2) years, any injury, sickness, or related condition in respect of which twenty four (24) months of Income Protection Benefits have already been paid.
E
In the case of a Policy with a Benefit Period of five (5) years, any injury, sickness, or related condition in respect of which sixty (60) months Income Protection Benefits have already been paid. Please refer to Clause 12 “Critical Illness” under Section D for any further specific exclusions.
F
PC-VIP-05/2019
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