8. Key terms
fraudulently
A statement is made fraudulently if the person making the statement makes it;
In this policy the following words have defined meanings:
> Knowing it is incorrect; or
ACC
The Accident Compensation Corporation of New Zealand or its successor.
> Without belief in its correctness; or
> Recklessly, without caring whether it is correct or not.
ACC Act
The Parliamentary Act of New Zealand that regulates ACC , which is in effect at the time of an accident occurring.
general practitioner
A medical practitioner who is registered to practice medicine in New Zealand and who specialises in the delivery of primary healthcare services.
anniversary date
The annual anniversary of the risk commencement date of this policy.
insured event
A medical treatment, procedure or other event included under the MajorCare benefits.
consumer price index
The consumer price index (all groups) issued by the New Zealand Government Statistician or any index, which may replace that index. A Sovereign approved surgical centre or clinic where minor surgery is carried out and where patients are not required to stay overnight. A person registered to practise dentistry under the terms of the Dental Act 1988 or any subsequent replacement legislation.
life or lives assured
The life or lives assured listed in the schedule .
day stay clinic
MajorCare benefits sheet
The most recently updated MajorCare benefits sheet issued by Sovereign, which forms part of this policy and explains the benefits payable under MajorCare. A statement is material only if that statement would have influenced the judgment of a prudent insurer in fixing the premium or in determining whether he/she would have taken or continued the risk upon substantially the same terms.
dentist
material
dental practitioner
A recognised health professional, who is registered with the Dental Council of New Zealand (or its successor).
Any child of a life assured or any child under the legal guardianship of a life assured covered under this policy and aged between 21 and 25 years, who is financially dependent on the life assured (for example; a 22 year old attending a full time tertiary course). A “registered health professional” as defined in Section 4(1) of the Health and Disability Commissioner Act 1994 (excluding any person registered or enrolled under the Psychologists Act 1981 or any replacement legislation),or, any other provider which Sovereign advises is acceptable. The amount applied to and deducted from the MajorCare benefits under this policy by Sovereign as specified in the schedule .
dependent
oral surgeon
A Sovereign approved dental Specialist who has specific registration to perform complex oral surgery.
physician
A Sovereign approved medical practitioner who is qualified in a specialist field of medicine and is registered as a physician with the New Zealand Medical Council.
eligible provider
policy fee
The administration fee charged by Sovereign detailed in the policy illustration .
policy illustration
The Sovereign illustration enclosed with and forming part of this policy document.
excess
policy owner, you, your and yourself
The policy owner listed in this policy document.
134 MAJUMB-SA version 7 Effective 5 December 2016
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