times the 99 th percentile of the upper reference limit.
a traumatic rupture of the aorta; or
If the above evidence is inconclusive or superseded by technological advances, we will consider other appropriate and medically recognised tests that unequivocally diagnose that a myocardial infarction of the degree of severity or greater as outlined above has occurred.
an aortic dissection.
For the purpose of this definition aorta shall mean the thoracic and abdominal aorta.
Cardiac Defibrillator Insertion
Other acute coronary syndromes including but not limited to angina pectoris are excluded.
The permanent insertion of an automatic implantable defibrillator after the occurrence of ventricular tachycardia or ventricular fibrillation. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business policies for the life assured where AIA New Zealand Limited is the insurer. The benefit is not payable if the life assured satisfies the criteria for a claim payment under another heart condition across all Business policies where AIA New Zealand Limited is the insurer.
Heart valve surgery
Full payment
The undergoing of heart valve surgery performed to replace or repair one or more heart valves that cannot be repaired by intra-arterial procedures.
Partial payment
The undergoing of a heart valve replacement or repair.
Cardiomyopathy
Heart Valve Replacement means the actual undergoing of thoracoscopic, laparoscopic, valvotomy, catheter or minimally invasive surgery to treat or repair a cardiac valve as a consequence of heart valve defects or abnormalities. Each surgery to treat or repair the cardiac valve must occur at least six months after the previous cardiac surgery. Investigative or diagnostic procedures are specifically excluded. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business Sovereign policies for the life assured .
Impaired ventricular function of variable aetiology due to primary disease of the heart muscle, resulting in permanent and irreversible physical impairments to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.
Coronary artery bypass surgery
Medically necessary surgery to correct the narrowing of, or blockage to, one or more coronary arteries by means of a bypass graft.
Out-of-hospital cardiac arrest
Heart attack
Cardiac arrest not associated with any medical procedure, that occurs out of hospital, and is due to cardiac asystole or ventricular fibrillation with or without ventricular tachycardia, documented by:
The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by: Typical rise and/or fall of cardiac biomarkers with at least one value above the 99 th percentile of the upper reference limit and at least one of the following:
an electrocardiogram (ECG), or any other appropriate diagnostic test; or
other evidence which unequivocally confirms a cardiac arrest, including but not limited to:
Signs and symptoms of ischaemia which are consistent with myocardial infarction; or
− defibrillation recorded by an Automated External Defibrillator (AED) or ambulance or hospital medical records; or − documented administration of cardiopulmonary resuscitation (CPR) provided by an attending ambulance officer or hospital clinical staff.
Confirmatory new (or presumed new) ECG changes associated with myocardial infarction with the development of any one of the following:
ST changes;
−
T wave inversion;
−
Pacemaker Insertion
Left bundle branch block (LBBB);
−
The permanent insertion of an artificial pacemaker to correct an abnormal rhythm of the heart. The abnormal rhythm of the heart must have been documented on electrocardiograph (ECG) and be available to us.
Pathological Q waves; or
−
Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.
A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 5
852 TCB-LAC version 19 Effective 12 May 2026
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