CLAIM PROCEDURE
7
A Written proof of Total Disability (as defined in Clause One (1) “Total Disability” under Section D below) acceptable to Us must be given to Us within thirty (30) days after the Life Assured becomes Totally Disabled . B If the Life Assured does not provide written proof satisfactory to Us within that time, the Waiting Period may be deemed by Us to have commenced no earlier than thirty (30) days before We received written proof. C Any expense incurred in providing due proof of the existence of a claim or of Income shall be borne by the Life Assured . D We shall have the right and opportunity to call for an examination of the Life Assured by any Medical Practitioner or appropriately qualified health professional of Our choice at Our expense as often as We may reasonably require both during the initial assessment of a claim and during any ongoing claim. E If You have selected an Indemnity Contract the Life Assured shall provide to Us full details of the Life Assured's Income prior to and at the time of a claim and of the Life Assured's Income as reasonably required by Us . Such proofs shall be in a form acceptable to Us and may include statements from an employer, bank statements, income tax returns and accounts reports. F If the Life Assured suffers personal injury or sickness for which there is or may be cover under the Injury Prevention, Rehabilitation and Compensation Act 2001 (known as ACC) and any statutory re- enactment or modification thereof, the Life Assured must have taken all reasonable steps to pursue a claim to the Accident Rehabilitation and Compensation Insurance Corporation for compensation before any claim under this Policy will be considered by Us . G If the Life Assured suffers personal injury or sickness which is as a result of or in any way caused by any other person or party, then We shall be entitled at Our expense and in the name of the Life Assured to take any proceedings necessary to obtain recovery from any other party. The Life Assured must provide all reasonable assistance and co-operation in the prosecution of the claim. H Responsibilities during claims assessment and while in receipt of Income Protection Benefits : 1. Undergo assessment of present and likely capabilities for the purposes of rehabilitation, at the expense of AIA New Zealand . 2. Follow the advice of the treating Medical Practitioner , including recommended courses of treatment and rehabilitation. 3. Co-operate with AIA New Zealand in the development and implementation of a rehabilitation plan in order to endeavour to terminate or reduce the extent of any disability, impairment or incapacity.
4. The Life Assured must notify AIA New Zealand before he or she returns to any work, paid or unpaid, in any capacity.
5. The Life Assured must advise AIA New Zealand immediately if they increase work hours or receive an
PC-IP- 05/2026
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