Premium Means the Premium specified in Your Policy Schedule or in any subsequent notice issued to You by Us . Preventative and Routine Screening Diagnostic Investigations/Procedures undertaken when the Life Assured has no symptoms, as a preventative measure to screen for early detection of diseases. Private Hospital A privately owned hospital approved by Us which is licensed as a Private Hospital in accordance with the Health and Disability Services (Safety) Act 2001. Psychologist Means a Recognised Health Professional who is in private practice and holds a current annual practicing certificate; and is a member of The New Zealand College of Clinical Psychology (or its successor). Public Hospital A hospital service or institution licensed in accordance with the Health and Disability Services (Safety) Act 2001 directly or indirectly owned or funded by the New Zealand Government or any of its agencies. Recognised Health Professional A health professional registered with the Health Practitioners Competence Assurance Act 2003 who holds a current annual practising certificate in compliance and is a member of the appropriate body e.g., Medical Council of New Zealand, Dental Council of New Zealand or Chiropractic Board of New Zealand and approved by Us. Registered Medical Practitioner A medical practitioner who holds a current annual practising certificate and is registered with the Medical Council of New Zealand. This excludes Registered Medical Specialists . Registered Medical Specialist A medical specialist who is a member of an appropriately recognised specialist college and vocationally registered with the Medical Council of New Zealand in that speciality. This excludes General Practitioners (who are considered to be Registered Medical Practitioners ). Registered Nurse A person who holds a current practicing certificate with the Health Practitioners Competence Assurance Act 2003, and is a member of the Nursing Council of New Zealand. Related Surgery A subsequent surgery performed within 3 months of an initial surgery for the purpose of treating the same medical condition, where the Life Assured has had an accepted surgery Benefit claim and paid any applicable Annual Excess . For example, if surgeries are staggered on the advice of an appropriate specialist for best medical practice.
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