in Our opinion, after consideration of medical evidence satisfactory to Us , is unlikely to ever resume work in or ever attend to his or her Usual Occupation . This Total and Permanent Disability Benefit expires on the Life Assured’s sixty-fifth (65th) birthday. We will pay a Return To Home Benefit if the Life Assured is outside of New Zealand and suffers, for the first time, a Critical Illness . The Return To Home Benefit will reimburse the cost of a standard economy flight back to New Zealand for the Life Assured and one (1) support person. You will need to provide evidence of the transport costs satisfactory to Us before a claim under the Return To Home Benefit will be paid. In total the maximum We will pay over the life of the Policy under the Return To Home Benefit is $10,000. A Return To Home Benefit is paid in addition to the Trauma Cover Benefit. No payment will be made if the Life Assured is covered for the same event with a travel insurance provider. You may convert Stand Alone Trauma Cover to Accelerated Trauma Cover with an equal amount of Life Cover without any further medical evidence provided that: a. The Life Assured was not accepted on special terms and/or with additional exclusions and/or with a Premium loading; and b. This option is exercised at least five (5) years prior to the expiry date of this Policy ; and c. The age of the Life Assured does not exceed sixty (60) years of age at the Date of Conversion ; and d. The Life Assured has not made a claim and is not eligible to claim under their Stand Alone Trauma policy. For the sake of clarity this includes any claim currently under assessment; and e. The Accelerated Trauma Sum Assured does not exceed the Stand Alone Trauma Sum Assured ; and f. The Life Cover Sum Assured does not exceed the Accelerated Trauma Cover Sum Assured . The Premium for the conversion will be based on the age of the Life Assured and Our Premium Rates at the time this option is exercised. If a claim is payable under the Accelerated Trauma Cover Benefit , this is subject to Section C, Clause 13 “Survival For At Least Fourteen (14) Days”. If the death of the Life Assured occurs within three (3) months of the Date of Conversion , other than by Accidental Death , then this conversion is void and the Stand Alone Trauma Cover Benefit will be reinstated from the Date of Conversion . Date of Conversion means the later of the effective date or the actual date from which We receive the increased Premium for the Life Cover and Accelerated Trauma Cover. Accidental Death means death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event.
RETURN TO HOME BENEFIT
22
STAND ALONE CONVERSION OPTION
23
PC-TC-05/2026
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