ADDING OPTIONAL BENEFITS
12 The Optional Specialist and Tests Benefit and Optional Waiver of Premium on Total Disablement Benefit can be added to Your Policy subject to the following: A new application form Any increase in Premium for the additional Benefit will start from the Policy Commencement Date of the new Benefit . We do not have to agree to any additional optional Benefit unless We are satisfied that the Life Assured is in good health .
You may remove any optional Benefit by giving Us thirty (30) days written notice.
GST
13
The Benefit maximums stated in the Policy include Goods and Services Tax (GST) charged by the supplier of the good or provider of the services.
JURISDICTION AND CURRENCY
14 The laws of New Zealand apply to this Policy . The New Zealand courts have exclusive jurisdiction. All monetary amounts referred to in this Policy are expressed and payable in New Zealand dollars and include GST.
CODE OF PRACTICE 15
The REAL Health Plan complies with the Health Funds Association of New Zealand (Inc) Code of Practice for Health Insurance Underwriters.
PRIVACY
16 We will comply with the Privacy Act 1993 and the Health Information Privacy Code 1994 at all times. If you believe We have breached Your or any Life Assured’s right to privacy, please contact Us .
PREMIUM RATES
17 We may change the Premium rates of this Policy at any time by giving You thirty (30) days written notice to Your last known postal address.
GUARANTEED TERMS AND CONDITIONS AND FUTURE UPGRADES
18 The terms and conditions of this Policy are guaranteed, subject to the permitted changes set out below. We will only change the terms and conditions of this Policy to: Add new Benefits or increase existing Benefits ; or Where legislation and/or government policy that impacts this Policy changes; or Where You fail to meet Your responsibility for truthfulness as set out in Clause 4 above; or For Premium rate changes as set out in Clause 17. 19 We will charge You a policy fee, which forms part of Your Total Premium . The policy fee is used to pay the ongoing administration costs of this Policy . The policy fee is specified in Your Policy Schedule . We may change this policy fee from time to time and You will be notified in writing of this change.
POLICY FEE
REAL Health – 0324
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