3. This duty of disclosure in relation to Your application for insurance continues from the time You complete the application until either: a. the Policy Commencement Date or the date AIA New Zealand accepts Your application for insurance, whichever is later; or b. AIA New Zealand declines Your application for insurance. 4. You and any Life Assured also have the same duty of disclosure to AIA New Zealand throughout the term of the Policy whenever You or any Life Assured communicate with AIA New Zealand and whenever You extend, vary or reinstate Your insurance. IMPORTANT If You or any Life Assured do not comply with Your duty of disclosure, AIA New Zealand may at its discretion do any or all of the following: 1. Decline any claim that You make; 2. Alter the terms of any Benefits under the Policy ; 3. Remove any Benefits under the Policy ; 4. Avoid Your Policy from the Policy Commencement Date ; 5. Retain all Premiums , policy fees and recover any Benefits paid; 6. Terminate this Policy . If You are not sure whether You should disclose a particular fact, please ask Us or Your Insurance Adviser. 5 We strongly recommend that You seek prior approval for any claim to ensure that the medical treatment or procedure is covered under the terms and conditions of Your REAL Health Plan. We recommend You contact Us as soon as possible to start this process. We can be contacted on 0800 800 242 or email nz.claims@aia.com. In order for a claim to be paid where We have provided You with pre-approval advice, Your Policy must be in force on the date You have the medical treatment or procedure for which We have pre-approved. 6 We reserve the right to seek a second medical opinion in certain circumstances. All costs related to a second medical opinion will be paid for by Us . We require You to comply with any reasonable requests We or Our medical examiner may make including attending any examinations or tests. 7 A Child will become subject to adult Premium rates on the next Policy anniversary date after they reach age twenty-one (21). We will automatically continue to cover that person on this Policy as an adult Life Assured and deduct the additional Premium based on their age, gender and Annual Excess for the cover, from the same payment source and at the same frequency as this Policy , unless You advise Us otherwise.
PRIOR APPROVAL
SECOND OPINION
DEPENDANT CHILDREN
REAL Health – 0324
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