Benefit
Benefit entitlement
Maximum cover
Private Health Cover and Private Health Plus
Covers the cost of home nursing care up to the maximum cover for this benefit where the care is provided by a registered nurse following a surgical or medical procedure covered by this policy, and such care is recommended by a registered medical specialist or registered medical practitioner.
$300 per day, up to $5,000 per life assured per policy year
HOME NURSING
No excess is payable for any claims under this benefit.
Upon the death of a policy owner (where the death is not caused by something excluded under this policy), Sovereign will provide cover under this policy for the surviving lives assured covered by the policy at the time of death, free of charge for a period of two years.
WAIVER OF PREMIUM ON DEATH
Two year’s free cover
No excess is payable for any claims under this benefit.
If a life assured dies between the ages of 21 and 70 (inclusive), the bereavement grant will be paid to the policy owner or to the policy owner’s estate.
$3,500 per life assured per lifetime
BEREAVEMENT GRANT
No excess is payable for any claims under this benefit.
If a child of a life assured dies before the age of 21, the Parents Grieving Benefit will be paid to the policy owner . Sovereign will pay a maximum of one claim per child under the Parents Grieving Benefit across all Sovereign policies for the life assured(s) irrespective of how many lives assured are covered under this policy.
PARENTS GRIEVING BENEFIT
$2,000 per child
No excess is payable for any claims under this benefit.
If a treatment covered by one of the other benefits of this policy is not available within 100km of your home or usual place of residence, Sovereign will pay up to the maximum cover for this benefit of transport and accommodation for the life assured and a support person to travel to obtain that treatment. In any policy year you can only claim once under the Treatment Away From Home In New Zealand Benefit or the Parent Accommodation Benefit.
$300 per day, up to $3,000 per life assured per policy year
TREATMENT AWAY FROM HOME IN NEW ZEALAND
No excess is payable for any claims under this benefit.
Covers the cost for accommodation expenses incurred by a parent accompanying a child who is listed on the schedule . The child must be undergoing medical treatment in an approved facility in New Zealand. In any policy year you can only claim once under the Treatment Away From Home In New Zealand Benefit or the Parent Accommodation Benefit. No excess is payable for any claims under this benefit. Covers the costs of ambulance transfer expenses incurred by the life assured for emergency transportation to or from hospital within New Zealand. This benefit is not payable in respect of any ambulance transfers provided for either personal or social reasons, or where the associated costs would be covered by ACC or any other benefit provision under this policy.
$200 per day, up to $3,000 per life assured per policy year
PARENT ACCOMMODATION BENEFIT
AMBULANCE TRANSFER BENEFIT
$200 per life assured per policy year
No excess is payable for any claims under this benefit.
712 PH-UMB version 9 Effective 8 April 2022
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