9. Key terms
cosmetic procedure
Any procedure, surgery or treatment that is carried out to improve or enhance appearance or improve psychological wellbeing. A surgical centre or clinic, approved by Sovereign , where minor surgery is carried out and where patients are not required to stay overnight.
In this policy the following words have defined meanings:
ACC
The Accident Compensation Corporation of New Zealand or its successor. Means AIA Vitality, a health and wellbeing programme offered by AIA New Zealand Limited.
day stay clinic
AIA Vitality
dental appliance
A device to repair teeth or replace missing teeth.
anniversary date
The anniversary of the risk commencement date of this policy.
dental practitioner A recognised health professional, who is registered with the Dental Council of New Zealand (or its successor).
approved facility
Any one of the following:
> A privately owned hospital; or
> A public hospital which allows privately funded
dependent
Any child aged between 21 and 25 years, who is financially dependent on the policy owner and/or the life assured (for example, a financially dependent 22 year old attending a full time tertiary course). The amount, if applicable, which will be deducted from claims submitted prior to benefits being paid under this policy. This is the amount you are responsible to pay directly to the registered medical practitioner . Any excess amount applicable to your coverage will be indicated on the schedule . A statement is made fraudulently if the person making the statement makes it; > Knowing it is incorrect; or > Without belief in its correctness; or > Recklessly, without caring whether it is correct or not. A Government agency, department or organisation including, without limitation, ACC and Work and Income New Zealand. A recognised health professional, who holds a current annual practising certificate and is a member of the Medical Council of New Zealand (or its successor). Means the eligible life assured ’ s partner (spouse, civil, or de facto) and any birth c hild or child under legal guardianship of the life
treatment to be carried out; or
> A private medical or
diagnostic facility, where minor surgery, treatments, consultations or diagnostic procedures are carried out; or > Otherwise a medical facility approved by Sovereign . The most recently updated benefit sheet issued by Sovereign , which forms part of this policy and explains the benefits payable.
excess
benefit sheet
child/children
Any birth child / children or child / children under legal guardianship of:
fraudulently
>
the policy owner ; or
>
the spouse or de facto partner of the policy owner (if that person is a life assured ).
congenital condition
A health anomaly or defect which is present at birth and for which the life assured either had signs or symptoms prior to becoming a life assured, or signs or symptoms within 3 months of birth. The consumer price index (all groups) issued by the New Zealand Government Statistician or any index which may replace that index. A continuous period of cover from the risk commencement date during which the premium is paid for the life assured .
government authority
general practitioner
consumer price index
continuous cover
immediate family
Page 7 of 9
710 ABH-UMB version 8 Effective 8 April 2022
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