CHILDREN’S TRAUMA BENEFIT We will pay You , $75,000 if an Insured Child (as defined below) is first Diagnosed (defined in Section D of this Policy ) as suffering from any one (1) of the Critical Illnesses defined in Clause 3 of Section D of this Policy , during the term of the Policy . Insured Child means a Child who: 1. has been nominated by You on the application form for this Policy ; and 2. has never been the subject of a Children’s Trauma Top Up Benefit option or Children’s Benefit claim under an AIA New Zealand Trauma Cover Benefit . The Children’s Trauma Benefit will only be payable once for each Insured Child . A claim paid under the Children’s Trauma Benefit will not affect the amount of any Trauma Cover Benefit which may be claimed in respect of the relevant Life Assured . The Children’s Trauma Benefit does not increase with the Consumer Price Index . Exclusions The Children’s Trauma Benefit is not payable for any Insured Child’s Critical Illness , which directly or indirectly, was caused by, resulted from or was in any way connected to: 1. a pre-existing condition; and/or 2. a condition that has Manifested prior to the commencement date of the Children’s Trauma Top Up Benefit option; and/or 3. a Congenital Condition ; and/or 4. an injury caused by You , a parent of the Child and/or a guardian. PREGNANCY COMPLICATIONS BENEFIT If the Policy Schedule shows that You have selected the Children’s Trauma Top Up Benefit option, We will pay You $10,000 if You suffer for the first time and at least twelve (12) months after the Policy Commencement Date one of the defined pregnancy complication conditions:
• Disseminated Intravascular Coagulation.
Eclampsia.
•
• Hydatidiform Mole . Payment of the Pregnancy Complications Benefit will not reduce the Trauma Cover Benefit . We will not pay the Pregnancy Complications Benefit if the Life Assured suffers the pregnancy complication condition or has any symptom(s) or signs leading to the pregnancy complication condition (whether or not a Registered Medical Specialist has been consulted) within twelve (12) months after the Policy Commencement Date . Disseminated intravascular coagulation (DIC) means over activation of the coagulation and fibrinolytic system resulting in microvascular thrombosis and consumption of platelets and
PC-TC-05/2026
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