• a public admission of such incident and liability is made by the said Hospital and verified and confirmed by the relevant government authority, a court of law, coroner's inquest or the Medical Council; and • the death is independent of any other cause other than the termination of life support system after brain death has been established. The maximum death benefit is $30,000 per Life Assured . No excess will apply. Policy are residing in Australia up to a maximum of twenty-four (24) months provided premiums continue to be paid. The maximum amount payable for any claim covered under the Policy while in Australia will be up to 50% of the stated maximums in this Policy , paid in New Zealand currency. For the purpose of this clause the definition of Resident/Residing in Australia is as follows: 7 Your cover will continue while You or any Insured Persons on the “Continuously living in a fixed abode in Australia for a period of greater than four weeks (28 days) as distinguished from a visitor or transient.” We may request that You provide evidence satisfactory to Us to establish that You are residing in Australia. Practitioner not performed under a general anaesthetic. The maximum amount payable per Life Assured , per Policy Year is $1,000. No excess applies. 8 We will cover the costs of Minor Surgery performed by a General 9 We will pay up to $2,000 per Policy to cover the costs of treatment recommended by the Lead Maternity Carer or Obstetrician resulting from diagnosis of a medical condition that is affecting or may affect the pregnancy, labour or birth. Diagnosis must be made within sixty (60) days of the expected delivery date. No coverage is available for any condition arising post birth. Caesarean Sections are specifically excluded. No excess applies. 10 A payment of $3,500 will be paid if You , Your spouse or partner (being insured under the Policy ) dies before turning age sixty-five (65). The payment will be paid to the Policy owner or survivors of them or the estate. This benefit will be void and We shall not be liable to pay if the Life Assured , whether sane or insane, dies by his or her own hand. 11 If You die before sixty-five (65) years of age We will continue to provide Superior 3 Health Cover and waive the Total Premium for the insured surviving partner and insured Children on this Policy for up to two (2) years or until the insured surviving partner reaches the age of sixty-five (65), whichever occurs first. 12 If You are admitted to a Public Hospital for three (3) or more consecutive nights, You will receive $200 for the fourth and each subsequent night, up to a maximum of ten (10) nights. The maximum amount payable per Life Assured , per Policy Year is $2,000. The Public Hospital cash benefit does not apply to any admission as a fee paying patient in a Public Hospital , maternity care or admission due to an accident. No excess applies. 13 If You are admitted to a Hospice for three (3) or more consecutive nights, You will receive $100 for the fourth and each subsequent night, up to a maximum of ten (10) nights. The maximum amount payable per Life Assured , per Policy Year is $2,000. No excess applies.
COVER WHILE IN AUSTRALIA
SPECIALIST MINOR
SURGERY
COMPLICATIONS OF PREGNANCY OR CHILDBIRTH
FUNERAL BENEFIT
WAIVER OF PREMIUM
PUBLIC HOSPITAL CASH BENEFIT
HOSPICE COVER
Page 9 of 22
PC-S3HC-04/2022
[AIA – INTERNAL]
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