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Cancellation Outside of the free look period referred to above, you can cancel your Policy at any time in writing but your Premium payments will not be refunded. The Policy has no cash value if cancelled. ____________________________________________________________________________________________
Premium Payments
We will determine your Premium at the Cover Start Date based on your age, health, and other factors, and at the end of each Anniversary Date based on your age. The cover is renewed yearly on each Anniversary Date and your cover will continue if Premiums are up-to-date. We reserve the right to review your Premium and Policy Fee, and make changes at the start of each Anniversary Date . We allow a sixty day grace period for late Premium payments. The Policy will automatically terminate if the outstanding Premium is not paid before the end of the grace period.
If you want to restart your Policy , you have to go through a reinstatement process which may include a medical/health assessment where we may change your Cover Amount , change the acceptance terms, charge additional Premiums or not allow you to reinstate the Policy . ____________________________________________________________________________________________
How to claim
If you need to claim against your Policy , you should contact AIA New Zealand as soon as possible to request a claim form. You will need to fully complete the claim form and return it to us along with any supporting documents that we may require. Any medical information supplied needs to be provided by a Registered Medical Specialist and must be approved by AIA New Zealand. Any medical information supplied is at your own expense and will not be reimbursed, other than for any claim relating to the cancer treatment benefit. We may require additional information, including information from your doctor and/or for any claim we are entitled to request and/or obtain a second opinion which we will pay for.
Prior approval (as described below) is required for any claim relating to the Cancer Treatment Benefit. Claims cannot be assessed until all the information required has been received by us. ____________________________________________________________________________________________
Prior Approval
To have your cancer treatment claim pre-approved: Call us on 0800 800 242 for a claim application form or log on to our website www.aia.co.nz or email us nz.claims@aia.com On acceptance of your claim, we will send you a pre-approval advice. You can then forward the h ospital’s or s pecialist’s account to us and we will settle the claim with the service provider directly. Any shortfall in payment is your responsibility. In order for a claim to be paid where we have provided you with pre-approval advice, your Policy must be in force on the date you have the medical treatment or procedure.
Pre-approval requires five working days to be processed provided all requested information is submitted. Please be aware it may be necessary to request further information before completing the assessment of your claim. ____________________________________________________________________________________________
Cancer Treatment Benefit
AIA New Zealand
CTB 02/2018
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