coagulation factors. DIC complicating pregnancy may follow any major haemorrhage, pre-eclampsia, amniotic fluid embolism, endotoxic shock, and when foetal death occurs after twenty (20) weeks. Eclampsia means the occurrence of grand mal seizures in the presence of hypertension, proteinuria and oedema complicating a pregnancy, and not being due to other causes such as epilepsy. Hydatidiform Mole means development of multiple fluid filled cysts in the uterus after the degeneration of the placenta which results in the death of the embryo as confirmed by a Registered Medical Specialist .
The Pregnancy Complications Benefit does not increase with the Consumer Price Index .
CHILDREN’S CONGENITAL CONDITIONS BENEFIT
If the Policy Schedule shows that You have selected the Children’s Trauma Top Up Benefit option, We will pay You $5,000 if at least twelve (12) months after the Policy Commencement Date an Insured Child is unequivocally diagnosed by a Registered Medical Specialist with and undergoes treatment or therapy for one of the conditions below: • Coarctation of the Aorta. • Infantile Hydrocephalus. • Anal atresia. • Oesophageal atresia. • Congenital diaphragmatic hernia. • Tracheo-oesophageal fistula. • Truncus arteriosis. • Retinopathy of prematurity. We will pay You a maximum of one claim for an Insured Child under the Children’s Congenital Conditions Benefit across all policies for a Life Assured where AIA New Zealand Limited is the insurer, regardless of the number of congenital conditions diagnosed. In cases where two policies each name a distinct parent of the Insured Child as a Life Assured , both policies are eligible to claim under the Children’s Congenital Conditions Benefit for that Insured Child , provided the Children’s Trauma Top Up Benefit option is shown in the Policy Schedule of both policies.
The Children’s Congenital Conditions Benefit does not increase with the Consumer Price Index .
CHILDREN’S BENEFIT (INBUILT)
8
We will pay You , the lesser of $50,000 or 50% of the Life Assured’s Sum Assured , 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 .
PC-TC-05/2026
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