Allowance Contribution toward the cost of the treatment specified.
Annual Excess This is the amount shown in the Policy Schedule that the Life Assured will be responsible for paying before a claim can be paid or reimbursed. The Annual Excess resets after every Policy anniversary date, unless it relates to a Related Surgery , in which case it will be waived.
Annual Renewal Date The 12 month anniversary of the Policy Commencement Date .
Approved Facility Private Hospital , Day Clinic or Facility or other medical facility approved by AIA New Zealand . Audiologists A Recognised Health Professional who holds a current annual practising certificate, and is a member of the New Zealand Audiological Society. Benefit or Benefits Means an amount of money payable to or on behalf of a Life Assured , in respect of approved expenses incurred for treatment, in accordance with the Policy Schedule . Breast Reconstruction Includes nipple tattooing, internal prosthesis and expanders: following a mastectomy for the treatment of diagnosed breast cancer, and/or following a prophylactic mastectomy which has been covered as a Prophylactic Surgery under the Cancer Treatment Benefit – Surgical and Medical Treatments of this policy; or where a claim for a prophylactic mastectomy would have been covered as a Prophylactic Surgery under the Cancer Treatment Benefit – Surgical and Medical Treatments of this policy, had the procedure not taken place in a Public Hospital. Breast Reconstruction also includes surgery on the unaffected breast to achieve breast symmetry following a mastectomy of the affected breast to treat diagnosed cancer. In no circumstances does Breast Reconstruction , as defined above, include prophylactic mastectomy surgery of the unaffected breast. Cancer Immunotherapy Medicines Pharmac Medicines or Non Pharmac Chemotherapy Medicines for the proven treatment of cancer which stimulate or restore the ability of the immune (defence) system to fight this disease. Clinical Psychiatrist or Psychiatrist Means a Registered Medical Specialist who is in Private Practice and holds a current annual practicing certificate.
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