CLAIM PROCEDURE
7
A Written proof of Total Disability (as defined in Clause 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 . In the case of the Involuntary Redundancy the Life Assured must supply proof acceptable to Us that the Life Assured has been made redundant. 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 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 We will require the Life Assured to provide confirmation of hours worked per week prior to and at the time a claim is being paid. Such proof will be in a form acceptable to Us . In the case of the Involuntary Redundancy Benefit the Life Assured must also supply proof acceptable to Us that the Life Assured remains unemployed and are registered with Work and Income New Zealand, or any subsequent Government employment bureau. F 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. G Responsibilities during claims assessment and while in receipt of Mortgage Income and Rent 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. If any of these responsibilities are not met when reasonably required by AIA New Zealand , We have the right to either suspend claim payments or decline Your claim. a. AIA New Zealand must give the Life Assured written notice of any proposed suspension not less than thirty (30) days before the proposed suspension date. b. AIA New Zealand may decline to provide any
Benefit for as long as the Life Assured unreasonably fails to comply with any requirement of the terms and conditions
PC-MIRC- 05/2026
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