maximum of $30,000 per Life Assured per Policy Year . The treatment must be recommended by a Registered Medical Specialist and be recognised by Us as being a conventional form of treatment. No experimental or trialled procedures will be covered. No Annual Excess applies. 16 This benefit covers the costs for any medically necessary approved surgery, treatment, procedure, consultation, test, diagnostic imaging, support or care. The maximum amount payable for any claim is 100% of New Zealand Usual, Customary and Reasonable charges for the medically necessary treatment that would have been covered by this Policy in New Zealand, at an Approved Facility up to the stated maximums in this Policy , paid in New Zealand currency. Prior approval must be obtained from Us prior to any treatment taking place. Premiums must be up to date. An Annual Excess applies. 17 We will cover the Usual, Customary and Reasonable expenses for approved minor surgery incurred as an outpatient of up to $3,000 per Life Assured per Policy Year , where performed by a Registered Medical Practitioner at an Approved Facility . No Annual Excess applies. 18 We will cover the cost of up to $200 per night with a maximum of $3,000 per Policy Year , for accommodation expenses incurred by a parent accompanying a Child who is listed on the Policy Schedule . The Child must be undergoing medical treatment in an Approved Facility in New Zealand. No Annual Excess applies. 19 If the Policy Owner dies, (where the death is not caused by something excluded under this Policy ), We will waive Premiums and continue to provide cover for all surviving Lives Assured covered by this Policy for a period of up to two (2) years. No Annual Excess applies. 20 If the Life Assured is admitted to a Public Hospital for three (3) or more consecutive nights, $300 will be paid from the fourth and each subsequent night, up to a maximum of ten (10) nights. The maximum amount payable per Life Assured , per Policy Year is $3,000. The Public Hospital Cash Benefit does not apply to any admission as a fee paying patient in a Public Hospital or for maternity care. This Benefit will not be paid in addition to the Public Hospital Cancer Treatment Cash Benefit . No Annual Excess applies. 21 When You have a publicly funded treatment or procedure in a Public Hospital that would otherwise have been covered by a Benefit in this Policy and that treatment or procedure includes overnight admission of two (2) or more night’s stay, We will waive the Life Assured’s Premium for this Policy for twelve (12) months. A copy of the hospital discharge summary must accompany the claim form. Excludes hospital admissions for treatment of accidents or injuries or maternity admissions. No Annual Excess is payable for any claims under this Benefit .
TREATMENT IN AUSTRALIA
MINOR SURGERY BENEFIT
PARENT ACCOMMODATION BENEFIT
WAIVER OF PREMIUM BENEFIT
PUBLIC HOSPITAL CASH BENEFIT
PUBLIC HOSPITAL CREDIT
REAL Health – 0324
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