Nurse A registered or enrolled Nurse except a spouse, lineal relative or business partner/associate of You who holds a current Annual Practising Certificate issued by the Nursing Council of New Zealand. Oral Surgeon Means a person registered with the Dental Council of New Zealand and who holds an Annual Practising Certificate and is qualified to perform surgery. Oral and Maxillofacial Surgeon Means a person registered with the Dental Council of New Zealand and who holds an Annual Practising Certificate qualified in this surgical specialty. Osteopath Means a person registered as an Osteopath with the Osteopathic Council of New Zealand and who holds a current Annual Practising Certificate. PHARMAC Means the Pharmaceutical Management Agency, the New Zealand government agency that decides which pharmaceuticals to publicly fund. Physiotherapist Means a person registered as a Physiotherapist with the Physiotherapy Board of New Zealand and who holds a current Annual Practising Certificate. Policy Means this contract of insurance between You and Us . It includes the following parts: • Your application for insurance; 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 Commencement Date Means the Commencement Date of the Policy as specified in Your Policy Schedule . Policy Schedule Means the most recent Policy Schedule issued to You by Us , including any endorsements. • this Policy wording; and • the Policy Schedule ; and Policy Year Means the twelve (12) month period which starts from the Policy Commencement Date and ends on the First Anniversary Date . Each subsequent Policy Year is from Policy Anniversary Date to Policy Anniversary Date . Premium Means the Premium specified in Your Policy Schedule or in any
subsequent notice issued to You by Us . Preventative and Routine Screening
A diagnostic investigation or procedure undertaken when the Life Assured has no symptoms and is undertaken as a preventative measure to screen for early detection of diseases.
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PC-S3HC-04/2022
[AIA – INTERNAL]
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