Specialists and Tests Loyalty Family Allowance
If the Policy Schedule shows you have selected the Specialists and Tests Benefit, we will cover up to $750 per Life Assured after two years of continuous cover and every year thereafter for pregnancy scans, fertility treatment, birth care accommodation post-delivery at an Approved Facility.
This benefit does not apply to any person who does not qualify for publicly funded health services in New Zealand.
Specialists and Tests Loyalty Sterilisation Benefit
If the Policy Schedule shows you have selected the Specialists and Tests Benefit we will cover the Usual, Customary and Reasonable charges of a vasectomy or tubal ligation procedure performed by a Registered Medical Specialist after two years of continuous cover.
Reversals of previous sterilisation procedures are excluded. Vasectomies carried out by a Registered Medical Practitioner will be covered. _____________________________________________________________________________________________
What You’re Not Covered For
We won’t make any payment under the Cancer Treatment Benefit if a claim results from: Any illness, injury or condition caused by or traceable to any medical condition of which you were aware or the Life Assured was aware, or displayed symptoms of, or for which treatment or medical advice had been sought prior to the Cover Start Date , which should have been disclosed to us in the application (as per your disclosure & declaration outlined in our application and in this Policy wording). Any illness, injury, condition or disability arising from, caused or contributed by, drug taking, intoxication or misuse of alcohol or the misuse of prescribed or non-prescription drugs, including where they have not been taken in accordance with the manufactu rer’s or Registered Medical Practitioner’s directions. Surgery and any surgical procedure that is not related to a cancer treatment and/ or we have not approved in advance. Any Cancer Medicine and Cancer Immunotherapy Medicine administered outside of New Zealand. Congenital Conditions . Preventative and Routine Screening , (including as a result of family history), where there is no current medical condition (except where cover is stated in this Policy ). Expenses recovered or recoverable from a third party or under any other contract of indemnity or insurance, including ACC. Where the Ministry of Health has declined the Life Assured free access of the full Public Health Services, we will not cover the Life Assured under this Policy , as our Policy is designed to complement Ministry of Health and Disability services provided in the public sector. New or experimental medical technologies, treatments or procedures that have not been approved of in writing by us. Ancillary public or Private Hospital charges of personal convenience nature. We reserve the right to claim expenses from any other source, including other insurers, wherever you may have additional coverage in respect to any claim made under this Policy.
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Cancer Treatment Benefit
AIA New Zealand
CTB 02/2018
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