This Parents Grieving Benefit ceases when the Child reaches age twenty one (21).
EXCLUSIONS
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The Trauma Cover Benefit will not be paid if the Critical Illness directly or indirectly was caused by or resulted from self-inflicted injury, whether the Life Assured is sane or insane. Exclusions specific to the optional Women’s Additional Cancer Benefit : • Lobular Carcinoma-in-situ (LCIS) of the breast is specifically excluded. • No Benefit will be paid if the condition is first Diagnosed within the first six (6) months of Benefit inception. • Prophylactic breast surgery, for instance, as a result of family history of breast cancer, is excluded. • Tumours that are a reoccurrence or a metastasis of a tumour that first occurred within the one hundred and eighty (180) day qualifying period. We will pay You the Newborn Children’s Benefit if a biological child of a Life Assured is born with one of the following conditions (defined below) and survives for thirty (30) days after birth: • Cleft Palate ; • Down’s Syndrome ; • Spina Bifida ; • Total Blindness ; • Absence of one or more Limbs ; • Tetralogy of Fallot ; • Transposition of Great Vessels ; • Deafness . In order for Us to pay a claim under this Benefit , We will require medical information from a Registered Medical Specialist acceptable to Us that conclusively evidences the condition. In circumstances where a conclusive Diagnosis cannot be made at birth, We will defer Our assessment of the claim until sufficient evidence can be supplied. For example, this might apply in the case of Total Blindness , where a conclusive Diagnosis may not be possible until later in the child’s life. In these cases, the claims assessment will be based on the child’s sight at the date that conclusive Diagnosis is first possible. A claim is only payable under the Newborn Children’s Benefit if cover remains in effect for the Life Assured up to the date that the conclusive Diagnosis for the child occurs. The Benefit payable is the lower of $50,000 or 20% of the Sum Assured across all Trauma Cover Benefit policies for the Life Assured . We will pay a maximum of one claim per Child under either the Newborn Children’s Benefit or the Children’s Benefit , across all AIA New Zealand Policies . The Newborn Children’s Benefit is only payable where the birth of the child with one of the applicable conditions occurs at least twelve (12) months after the Policy Commencement Date .
NEWBORN CHILDREN’S BENEFIT
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PC-TC-05/2026
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