Specialist or the total and irreversible loss of all sight in one eye.
CARDIAC DEFIBRILLATOR INSERTION Cardiac Defibrillator Insertion means the permanent insertion of an automatic implantable defibrillator after the occurrence of ventricular tachycardia or ventricular fibrillation. Such Benefit will be limited to 25% of the Sum Assured or $75,000, whichever is the lesser, across all policies where AIA New Zealand Limited is the insurer. The Benefit is not payable if the Life Assured qualifies for a claim payment under another cardiac condition across all policies where AIA New Zealand Limited is the insurer. Payment of this Benefit will result in an equal reduction in the Trauma Cover Benefit under this Policy . CARDIOMYOPATHY Cardiomyopathy means a condition of impaired ventricular function of variable aetiology resulting in permanent physical impairment to the degree of at least Class III (three) of the New York Heart Association classification of cardiac impairment. Advance Payment will be made on the unequivocal Diagnosis of Cardiomyopathy by an appropriate Registered Medical Specialist . CEREBRAL ANEURYSM Means a Cerebral Aneurysm of any size where the intracranial aneurysm is confirmed by an appropriate Registered Medical Specialist and has been treated surgically via clipping or endovascular surgery.
This requires evidence of:
• acute onset of new objective neurological signs and symptoms; and • evidenced by neuro-imaging changes consistent with the signs and symptoms. Only one claim can be made for this partial payment per Life Assured for the duration of this Policy , regardless of the number of cerebral aneurysms suffered. Such Benefit will be limited to 25% of the Sum Assured or $75,000, whichever is the lesser, across all policies where AIA New Zealand Limited is the insurer. Payment of this Benefit will result in an equal reduction in the Trauma Cover Benefit under this Policy . CHRONIC LIVER FAILURE Chronic Liver Failure means an unequivocal Diagnosis of end stage liver failure as certified by an appropriate Registered Medical Specialist , together with one (1) of the following conditions: • permanent jaundice, • ascites, • hepatic encephalopathy.
BCP-TC-05/2026
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