ears, identified during newborn hearing screening and confirmed by a Registered Medical Specialist as resulting in: • an average hearing threshold in both ears, whether aided or unaided, of 91db or greater as measured at 500, 1000 and 1500 Hz; or • the recommendation for an insertion of a cochlear ear implant. Upon payment of a full Trauma Cover Benefit , and after referral by a Registered Medical Specialist, We will reimburse up to $2,500 to cover the cost of a Psychiatrist or Psychologist consultation and/or counselling for the Life Assured and/or a Close Relative of the Life Assured where the support treatments and/or consultations directly relates to the claim, subject to the following conditions: • You must pay for the consultation and/or counselling within twelve (12) months following AIA New Zealand paying the Trauma Cover Benefit claim; • You must provide Us with a receipt for the consultation and/or counselling You are claiming. Only one (1) Counselling Benefit payment per Life Assured will be made regardless of the number of additional Policies held with Us . This is in addition to the Sum Assured . If the Life Assured suffers a medical condition that does not satisfy any condition leading to either a full or partial claim under this Policy and it is deemed medically necessary to: • undergo Major Invasive Surgery ; or
COUNSELLING BENEFIT
29
SEVERE ILLNESS OR INJURY
30
• be treated using Major Interventional Treatment ;
which results in hospital admission to: • an intensive care unit for a period greater than 48 continuous hours; or • a High Dependency Unit for a period greater than 96 continuous hours; and the Life Assured is unable to perform at least one (1) Activity of Daily Living for a continuous period of Ninety (90) days from first being admitted into the intensive care unit or High Dependency Unit (as applicable) as certified by a Registered Medical Specialist .
A medical condition arising from alcohol or drug abuse or other self-inflicted means is specifically excluded.
This Benefit does not apply to any condition specifically excluded in this Policy or where an underwriting exclusion has been applied. Major Invasive Surgery – an invasive procedure occurring in a hospital operating theatre involving the incision, excision, manipulation, or suturing of tissue, under general anaesthesia, spinal anaesthesia or epidural. Elective cosmetic procedures are excluded. Major Interventional Treatment – non-surgical procedures or treatments initiated to treat the claimed medical condition including but not limited to: stereotactic radiosurgery, laser
PC-TC-05/2026
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