CLAIMS
8
Written notice of a claim must be given to Us within ninety (90) days after the Diagnosis of any Critical Illness . Notice can be given by You or on Your behalf. Written proof of Diagnosis of any Critical Illness must be furnished to Us within ninety (90) days after the date of such Diagnosis . Any expense incurred in providing due proof of a claim shall be borne by You . We shall 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 on the Policy Schedule, We will pay the Trauma Cover Benefits for each Life Assured . The amount of the Benefit payable for a Critical Illness will be the Benefit payable for that person under this Policy. The Trauma Cover Benefit will end when all Lives Assured have suffered a Critical Illness , and to the extent a Trauma Cover Benefit is payable in respect to each of them, that Benefit has been paid.
PROOF OF POSITIVE DIAGNOSIS
9
FORFEITURE OF PREMIUMS
10
WORLDWIDE COVER 11
ENTIRE CONTRACT
12
TAX CHANGES
13
TRAUMA COVER BENEFITS 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 st September 2013. This is a requirement under the Insurance (Prudential Supervision) Act 2010, for policyholder protection. 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.
FREE LOOK PERIOD 16
BCP-TC-05/2026
Page 7 of 35
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