CLAIMS
8
Written notice of a claim must be given to Us within ninety (90) days after becoming eligible in accordance with the definitions of Total and Permanent Disability under Section D “Total and Permanent Disability Benefit Definitions”. Written proof of a Total and Permanent Disability claim must be furnished to Us within ninety (90) days after becoming eligible in accordance with the definitions of Total and Permanent Disability under Section D “Total and Permanent Disability Benefit Definitions”. Any expense incurred in providing due proof of a claim shall be borne by the Life Assured . We have the right and opportunity to call for an examination of the Life Assured at Our expense when and as often as We may reasonably require during the assessment of a claim. If this Policy is avoided or is terminated under any of the terms and conditions of this Policy , all Total Premiums paid shall be absolutely forfeited to Us . Cover under this Policy applies twenty-four (24) hours a day, anywhere in the world. If You are overseas during the period of a claim, Benefits will be paid in New Zealand currency. This Policy is the entire contract of insurance between You and AIA New Zealand . It comprises the following parts: • Your application for insurance; and • this Policy wording; and • the Policy Schedule ; and • any other written notice that AIA New Zealand gives You ; and • any written notice that You give Us . In the event of any changes in taxation after the Policy Commencement Date which affects the Benefits or Our liability, We may make such amendments or modifications to the Premium and Benefits and this Policy as We consider appropriate. If there is more than one (1) Life Assured shown in the Policy Schedule , We will pay the Total and Permanent Disability Benefit for each Life Assured . The amount of the Benefit payable on the Total and Permanent Disability of a Life Assured will be the Sum Assured for that person. This Benefit will end when all Lives Assured have suffered a Total and Permanent Disability , and to the extent a Total and Permanent Disability Benefit is payable in respect to each of them, that Benefit has been paid.
9
PROOF OF DISABLEMENT
FORFEITURE OF PREMIUMS
10
WORLDWIDE COVER
11
ENTIRE CONTRACT 12
TAX CHANGES
13
TOTAL AND PERMANENT DISABILITY BENEFIT PAYABLE WHERE MORE THAN ONE (1) LIFE ASSURED
14
GENERAL
15 A
This Policy does not participate in bonus distributions or acquire a cash surrender, loan or maturity value.
B Where this Policy refers to an Act of Parliament, this includes any Regulations made under it. It also includes any Act or Regulations enacted in substitution. C Your life insurance Policy is part of the AIA New Zealand Statutory Fund, effective 1 September 2013. This is a requirement under the Insurance (Prudential Supervision) Act 2010, for policyholder protection.
PC-TPD-05/2026
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