CLAIM PROCEDURE
7
A Written notice of a claim must be given to Us within ninety (90) days after discovery of any Critical Illness. Notice can be given by You or on Your behalf. B If You do not provide written proof satisfactory to Us within that time, the Waiting Period may be deemed by Us to have commenced no earlier than thirty (30) days before We received written proof.
C
Any expense incurred in providing due proof of the existence of a claim or of Income shall be borne by You . We shall have the right and opportunity to call for an examination of the Life Assured by any Medical Practitioner or appropriately qualified health professional of Our choice at Our expense as often as We may reasonably require both during the initial assessment of a claim and during any ongoing claim.
D
E You shall provide to Us full details of the Life Assured's Pre- Disability Income prior to and at the time of a claim and of the Life Assured's Income as reasonably required by Us throughout the period when a Partial Disability Benefit is being paid. Such proofs shall be in a form acceptable to Us
and may include statements from an employer, bank statements, income tax returns and accounts reports. If the Life Assured suffers personal injury or sickness for which there is or may be cover under the Injury Prevention, Rehabilitation and Compensation Act 2001 (known as ACC) and any statutory re-enactment or modification thereof, the Life Assured must have taken all reasonable steps to pursue a claim to the Accident Rehabilitation and Compensation Insurance Corporation for Compensation before any claim under this Policy will be considered by Us . Responsibilities during claims assessment and while in receipt of Vital Income Protection Benefits : 1. Undergo assessment of present and likely capabilities for the purposes of rehabilitation, at the expense of AIA New Zealand . 2. Follow the advice of the treating Medical Practitioner , including recommended courses of treatment and rehabilitation. 3. Co-operate with AIA New Zealand in the development and implementation of a rehabilitation plan in order to endeavour to terminate or reduce the extent of any disability, impairment or incapacity. 4. The Life Assured must notify AIA New Zealand before he or she returns to any work, paid or unpaid, in any capacity. 5. The Life Assured must advise AIA New Zealand immediately if they increase work hours or receive an increase in pay or receive any other income, including sick pay, that may affect the Benefit amount. 6. If any of these responsibilities are not met when reasonably required by AIA New Zealand , We have the right to either suspend claim payments or decline Your claim.
F
G
PC-VIP-05/2019
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