advice of an appropriate specialist for best medical practice.
specialist
A Sovereign approved registered medical practitioner who is qualified in a specialist field of medical or surgical practice and is registered
registered medical practitioner
A healthcare provider, other than you or a member of your immediate family , who is registered and practicing as a medical practitioner in New Zealand and who is approved by Sovereign to provide healthcare services to Sovereign , its policy owners and lives assured . A person registered as a nurse (whether as a comprehensive nurse, or a general nurse, or otherwise), or as a midwife, under the Nurses Act 1977.
as a specialist with the New Zealand Medical Council.
substantially incorrect
A statement is substantially incorrect only if the difference between what was stated and what is actually correct would have been considered material by a prudent insurer. A policy as defined in Section 45 of the Securities Regulations 2009, as amended or replaced, that is not a security or a life insurance policy for the purposes of the Securities Act 1978, as amended or replaced.
registered nurse
term life insurance policy
risk commencement date
The date that cover under this policy takes effect.
routine screening
Any preventative treatment, health surveillance testing, or investigative procedures performed by a registered medical practitioner where the policy owner or life assured has no medical symptoms. The latest (in time) schedule of policy details including endorsements that forms part of this policy document.
schedule
Sovereign, we, our or us
Sovereign Assurance Company Limited.
Sovereign criteria
A set of criteria Sovereign uses to consider and approve chemotherapy or radiotherapy treatments under the Medical hospitalisation in a private hospital benefit in order to ensure the treatment falls within reasonable charges .
The criteria is determined by:
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Whether the medicine is recommended for public funding by the Pharmaceutical Therapeutics Advisory Committee (or its successor); The medical advice of the treating oncologists; International evidence of clinical effectiveness; Other factors that Sovereign reasonably assesses as relevant.
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710 ABH-UMB version 8 Effective 8 April 2022
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