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.
Primary Care Means day-to-day medical services provided by a
General
Practitioner .
Private Hospital A privately owned hospital approved by Us which is licensed as a Private Hospital in accordance with the Health and Disability Services (Safety) Act 2001. Public Hospital A hospital service or institution licensed in accordance with the Health and Disability Services (Safety) Act 2001 directly or indirectly owned or funded by the New Zealand Government or any of its agencies. Related Surgery A subsequent surgery performed within 3 months of an initial surgery for the purpose of treating the same medical condition, where the Life Assured has had an accepted Private Hospital Surgical Benefit claim and paid any applicable Annual Excess . For example, if surgeries are staggered on the advice of an appropriate specialist for best medical practice. Specialist(s) A Medical Practitioner qualified in a specialist field of medical or surgical practice and who is currently vocationally registered as a specialist in that field with the New Zealand Medical Council. Top-up Additional coverage to supplement New Zealand Government, ACC or other Insurers contributions to Overseas Treatment. Total Premium Means the sum of the Premium and the policy fee together with any applicable GST as specified in Your Policy Schedule . Usual, Customary and Reasonable Charges and fees that are based on Our estimate of what are Usual, Customary and Reasonable charges and fees for services provided under similar circumstances by persons or providers with equivalent experience or qualification.
PC-SHC-04/2022
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