AIA Real Health Personal Policy Wording

OPTIONAL SPECIALIST AND TESTS LOYALTY BENEFITS

Specialists and Tests Loyalty Health Screening Benefit If the Policy Schedule shows You have selected the Specialists and Tests Benefit, We will cover up to $500 per Life Assured, or up to $750 per Life Assured if that Life Assured is a member of AIA Vitality (a health and wellbeing programme offered by AIA New Zealand Limited) after every three (3) years of continuous cover, for tests or procedures for the following:  Prostate screening  Cervical screening  Mammogram  Blood glucose screening  Bowel screening  Bone screening (osteoporosis)  Heart screening  Eye tests and/or visual field tests  Hearing tests  Skin checks  Aortic aneurysm screening Health screening tests do not have to be medically necessary, but must be performed by a Registered Medical Practitioner or Registered Medical Specialist in an Approved Facility. No Annual Excess applies. Specialists and Tests Loyalty Family Allowance If the Policy Schedule shows You have selected the Specialists and Tests Benefit , We will cover up to $1,500 per Life Assured after two (2) years of continuous cover and every year thereafter for pregnancy scans, fertility treatment and birth care accommodation post-delivery at an Approved Facility . This Benefit does not apply to any person who does not qualify for publicly funded health services in New Zealand. No Annual Excess applies. Specialists and Tests Loyalty Sterilisation Benefit If the Policy Schedule shows You have selected the Specialists and Tests Benefit We will cover the Usual, Customary and Reasonable charges of a vasectomy or tubal ligation procedure performed by a Registered Medical Specialist after two (2) years of continuous cover. Reversals of previous sterilisation procedures are excluded. Vasectomies carried out by a Registered Medical Practitioner will be covered. No Annual Excess applies. Specialists and Tests Loyalty Excess Waiver Benefit If the Policy Schedule shows You have selected the Specialists and Tests Benefit , after two (2) years of continuous cover, any applicable Annual Excess on the Specialists and Tests Benefit will be waived per Life Assured .

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