FERTILITY TREATMENT LOYALTY BENEFIT (AFTER EXHAUSTING PUBLIC OPTIONS)
30 We will cover up to $25,000 per Policy after two (2) years of continuous cover for fertility treatment at an Approved Facility . To be eligible for the Fertility Treatment Loyalty Benefit the criteria for publicly funded fertility treatment in New Zealand must have been met and all publicly funded fertility treatment must have been exhausted before this Benefit is payable. You must seek prior approval before this Benefit is payable. As a part of the pre-approval process , We will require proof of the publicly funded treatment being exhausted. The Fertility Treatment Loyalty Benefit is available for fertility treatment and associated treatment costs. The maximum amount payable per Policy is $25,000 over the lifetime of the Policy . Once this amount has been exhausted no further Benefit is payable. No Annual Excess applies. Maximum age to be eligible to claim the Fertility Treatment Loyalty Benefit is forty three (43) years. 31 This Benefit covers the costs of surgery for any of the following Congenital conditions: umbilical hernia inguinal hernia undescended testes hydrocele tongue tie phimosis squint The surgery must be performed in an Approved Facility by a Registered Medical Specialist, a Oral and Maxillofacial Surgeon , or a Registered Medical Practitioner .
CONGENITAL CONDITIONS BENEFIT
You must seek prior approval before this Benefit is payable.
We will cover up to $2,000 per Life Assured over the lifetime of the Policy .
No Annual Excess applies.
BILATERAL BREAST REDUCTION / BARIATRIC SURGERY ALLOWANCE
32 We will provide a combined Allowance of up to $7,500 per Life Assured over the lifetime of the Policy after three (3) years of continuous cover towards the costs of: Bilateral Breast Reduction Surgery
Bilateral breast reduction surgery including the costs of the related consultations, tests and diagnostic imaging for the Life Assured . Excludes any surgery to correct any traumatic or post-surgical asymmetry, or to remove breast implants. Bariatric Surgery Medically necessary sleeve gastrectomy, gastric banding or bypass surgery including the costs of related consultations, tests and diagnostic imaging, where surgery is recommended by a specialist because the Life Assured has all of the following:
REAL Health – 0324
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