REPATRIATION BENEFIT
13
If the Life Assured dies, We will reimburse You for the costs of returning the Life Assured's body to New Zealand or their Home Country upon receipt of evidence acceptable to Us . If the Life Assured is the sole Policy Owner , We will reimburse the person that has paid for the costs of repatriation upon receipt of evidence acceptable to Us .
The maximum Repatriation Benefit that We will pay across all Policies held with Us is the lower of:
The Life Cover Benefit ;or
• •
$25,000.
This Repatriation Benefit will be treated as an early payment of the Life Cover Benefit . The Life Cover Benefit will then be reduced by the amount paid. The Repatriation Benefit may be paid in addition to the Funeral Benefit but no more than the Life Cover Benefit Sum Assured will be paid for both Benefits . If the Life Assured is the sole Policy Owner , We will pay a maximum of $25,000 in total across both the Repatriation Benefit and the Funeral Benefit . Upon payment of the Life Cover Benefit or Terminal Illness Benefit , and after referral by a Registered Medical Specialist , We will reimburse up to $2,500 to cover the cost of a Psychiatrist or Psychologist consultation and/or counselling for the Life Assured and/or a Close Relative of the Life Assured where the support treatments and/or consultations directly relate to the claim, subject to the following conditions: • You must pay for the consultation and/or counselling within twelve (12) months following AIA New Zealand paying the Life Cover Benefit claim; and • You must provide Us with a receipt for the consultation and/or counselling You are claiming. Only one (1) Counselling Benefit payment per Life Assured will be made regardless of the number of additional Policies held with Us . This is in addition to the Sum Assured . If We make future enhancements to Our Policy wordings, We will pass back the enhanced benefit, feature and/or condition automatically to You . The enhanced benefit, feature and/or condition will only apply to claimable events which occur after the date We pass back the enhanced benefit, feature and/or condition to You . Any underwriting exclusion or special terms that apply to this Policy will not be altered by any enhanced benefit, feature and/or condition. This Benefit is to ensure that You are not disadvantaged as a result of the enhanced benefit, feature and/or condition. If You are inadvertently disadvantaged in anyway then the previous Policy wording will apply.
COUNSELLING BENEFIT
14
GUARANTEED PASS BACK OF BENEFIT ENHANCEMENTS
15
BCP-LC-05/2026
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