• You must provide Us with a receipt for the consultation and/or counselling You are claiming.
Only one (1) Counselling Benefit payment per Life Assured will be made regardless of the number of additional Policies held with Us . This is in addition to the Sum Assured . You can apply for a Suspension of Premium Benefit for a period of up to twelve (12) months. The request must be made in writing by You to Us and accepted by Us. At the end of Your requested suspension period cover will recommence, and Premium payments must resume. Valid reasons for the Suspension of Premium Benefit are listed below: • Employer approved leave without pay; • Overseas travel; • Employer approved parental leave; • Tertiary Education; • Unemployment or Redundancy; • Reduction in pay of at least 20% (comparing the most recent payslip against a previous payslip from the same year); • If self-employed, reduction in revenue of at least 30% (by comparing one month’s revenue against the same month for the previous year); or • Any other event AIA New Zealand agrees to, at its sole discretion. Whilst this Benefit is in force no claim is payable by Us to You under this Policy . When Premium payments resume, no claim will be considered in respect of any claim event that first meets the criteria for an eligible claim during the period of Premium suspension. We will not pay any Benefit where the death, or the injury which resulted in death, was directly or indirectly caused or contributed to by, or directly or indirectly arose from the Life Assured : • deliberately injuring himself or herself or attempting to do so • participating in any Criminal Act • being under the influence of alcohol or drugs except where the drugs were prescribed by and were being used in accordance with the directions of a registered Medical Practitioner • flying or being in any aerial device other than as a fare-paying passenger • whilst participating in motor sport or racing, scuba diving, mountaineering or other such hazardous pursuits, unless notified to and confirmed by Us as covered under this Policy To enable You to consider the Policy in detail You will have a free look period of fourteen (14) days after You receive Your Policy document. During this period, if You decide that the Policy does not suit Your needs then You may return it to Us and receive a full refund of all Total Premiums paid and the Policy will be cancelled.
SUSPENSION OF PREMIUM BENEFIT
16
EXCLUSIONS
17
FREE LOOK PERIOD
18
PC-ADB-05/26
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