the incident is verified and confirmed by the relevant government authority, a court of law, coroner's inquest or the Medical Council of New Zealand; and the death is independent of any other cause other than the termination of life support system after brain death has been established. No Medical Misadventure Benefit is payable if the death is as a direct or indirect result of the Life Assured claiming under the Global Surgical Benefit . The maximum Benefit is $30,000 per Life Assured . No Annual Excess applies. 28 We will cover the cost of intravitreal eye injections administered by a Registered Medical Specialist in an Approved Facility , on referral by a Registered Medical Practitioner or Registered Medical Specialist up to a maximum of $3,000 per Life Assured per Policy Year . No Annual Excess applies. 29 After twelve (12) months of continuous cover, You can apply to suspend the cover and Total Premium payments under this Policy : for up to twenty-four (24) consecutive months, if You reside outside of New Zealand for longer than two (2) months; or for up to twelve (12) months if You : a. become redundant; or unemployed; b. go on Leave Without Pay for any reason; c. experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year); or d. If self-employed, experience a 30% reduction in revenue (by comparing one month’s revenue against the same month for the previous year) You must apply for the Suspension of Cover Benefit in writing and, if accepted, You will receive confirmation from Us in writing confirming the request has been approved. We will resume cover without requiring evidence of health for any Lives Assured at the end of the requested period of suspension. Once cover is reinstated, Total Premiums must recommence. We will not pay any Benefits under this Policy in respect of any claim event that first meets the criteria for an eligible claim while cover is suspended. If cover for all adult Lives Assured has been suspended, cover for any Children on this Policy will also be suspended. No Annual Excess applies.
INTRAVITREAL EYE INJECTIONS BENEFIT
SUSPENSION OF COVER BENEFIT
REAL Health – 0324
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