FUNERAL BENEFIT
22 We will pay a Funeral Benefit of $3,500 if an adult Life Assured dies before turning age seventy (70), provided the death is not caused by something excluded under this Policy . The Benefit will be paid to the Policy Owner/s or to the Policy Owner/s estate. This Benefit is payable once per adult Life Assured . No Annual Excess applies. 23 If, during the term of this Policy , a Life Assured’s Child dies, then We will pay a Parents Grieving Benefit immediately upon receiving written notification of the death of the Child subject to the following: The amount of the Benefit is limited to $2,000. We will only pay one (1) Parents Grieving Benefit per Child under this Policy irrespective of how many Lives Assured are under this Policy , or any other policy containing the Parents Grieving Benefit . This Parents Grieving Benefit ceases when the Child reaches age twenty one (21). 24 We will cover the costs of ambulance transfer expenses incurred by the Life Assured for emergency transportation to or from hospital within New Zealand, of up to $200 per Life Assured per Policy Year . This Benefit is not payable in respect of any ambulance transfers provided for either personal or social reasons, or where the associated costs would be covered by ACC or any other benefit provision under this Policy . No Annual Excess applies. 25 We will cover the cost of obstetric care after a referral by a Registered Medical Practitioner or registered lead maternity carer (Midwife) for assessment and monitoring of a recognised risk factor(s) for up to $2,000 per Life Assured per Policy Year . Benefits are not paid if the Life Assured is admitted to a Public Hospital , or if related to a pregnancy that is conceived prior to the Policy Commencement Date . Conditions arising post birth are not covered. Caesarean Sections are specifically excluded. No Annual Excess applies. 26 We will cover the fees charged for treatment carried out in a Public Hospital up to the limits specified on this Policy once prior approval has been obtained by Us , and the Private Involvement Protocols (or any replacement protocols) set by the Ministry of Health for the treatment of private patients in Public Hospitals have been followed. This Benefit does not apply to any person who does not qualify for publicly funded health services in New Zealand. No Annual Excess applies. 27 If, during the course of any medical procedure or treatment in an Approved Facility , a Life Assured should die as a direct consequence of any erroneous or negligent action, omission or failure to observe reasonable and customary standards by a care provider of the said Approved Facility , a death Benefit shall become payable, provided: the death occurs within thirty (30) days of such recorded and proven incident; and
PARENTS GRIEVING BENEFIT
AMBULANCE TRANSFER BENEFIT
COMPLICATIONS OF PREGNANCY OR CHILD BIRTH BENEFIT
FEE PAYING PATIENTS IN A PUBLIC HOSPITAL BENEFIT
MEDICAL MISADVENTURE BENEFIT
REAL Health – 0324
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