Criminal Act Means participation in an action that constitutes an offence under the Crimes Act 1961, whether or not that action results in a conviction on indictment or on summary conviction. Full-Time Care Means having primary responsibility and actively undertaking, whether shared or alone, the day-to-day care of persons who cannot safely take care of themselves without supervision. Life Assured Means the Life Assured or Lives Assured listed in Your Policy Schedule . Manifested Means that symptoms have arisen which cause an ordinarily prudent person to seek diagnosis, care or treatment, or that medical advice or treatment has been recommended by or received from a Medical Practitioner.
Marriage Means a Marriage as defined in the Marriage Act 1955.
Medical Practitioner Shall mean any person approved by Us registered with the Medical Council of New Zealand to render medical or surgical services, and who holds an Annual Practising Certificate. For diagnoses made outside New Zealand, this definition covers any appropriately qualified medical professional approved by Us . This definition excludes any person who is himself/herself the Life Assured, the Policy Owner , the spouse, de facto spouse, Civil Union partner, lineal relative, or business partner/associate of the Life Assured or Policy Owner. Partial Disability Means a disability resulting from a serious injury or sickness which results in the Life Assured having returned to work in a reduced capacity Policy Means this contract of insurance between You and Us . It includes the following parts: Your application for insurance; and this Policy wording; and the Policy Schedule ; and any addendum to the Policy Schedule ; and any other written notice that We give You ; and any written notice that You give Us . Policy Anniversary Date Means the anniversary of the Policy Commencement Date .
PC-VIP-05/2019
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