1301 APH-WOP version 1 Effective 5 August 2019
AIA PRIVATE HEALTH PERSONAL OPTIONAL BENEFIT APPENDIX
Waiver of Premium Benefit
This appendix only applies if cover under the schedule for your policy includes the Waiver of Premium Benefit. This appendix forms part of and is incorporated into your AIA Private Health policy, the terms of which apply to this appendix .
This is a Waiver of Premium Benefit. Details of the benefit and the life / lives assured insured for this benefit (each of which are called a waiver of premium life assured ) are shown in the schedule .
1.
When will we waive the regular premiums payable under this policy?
2.
What does totally disabled mean?
The definition of totally disabled that applies for a waiver of premium life assured depends on the waiver of premium life assured’s occupation class. The occupation class for each waiver of premium life assured is shown in the schedule . However, if a waiver of premium life assured has been on leave without pay for more than 12 months or was unemployed for three months or more immediately before becoming totally disabled , that waiver of premium life assured is automatically classed as occupation class five. For each occupation class, the degree of incapacity which constitutes total disablement is as follows:
We will waive the regular premiums payable under this AIA Private Health policy if at any time during the waiver of premium term a waiver of premium life assured becomes totally disabled and remains so for a continuous period greater than the waiting period . If cover for a waiver of premium life assured under another AIA policy includes a partial disability benefit, then we will also waive the regular premiums payable under this AIA Private Health policy after the end of the waiting period while that partial disability benefit is payable in respect of the waiver of premium life assured . We will only waive the regular premiums payable under this AIA Private Health policy for lives assured that were covered under this AIA Private Health policy at the disablement date. While we are waiving the regular premiums payable under this AIA Private Health policy, you may not change the excess or the benefits of this AIA Private Health policy. We will waive the regular premiums payable under this policy for a maximum of two lives assured aged 21 or over and all lives assured aged under 21. Any other lives assured will be offered the opportunity to transfer to their own AIA Private Health policy, without providing evidence of good health. This may include a life assured who turns age 21 while regular premiums payable under this policy are being waived. Regular premiums will apply to that new policy and those premiums will not be waived due to the disability of a waiver of premium life assured under this policy. To accept the offer, the life assured must advise us in writing of their acceptance within three months of the offer date. The waiver relates to premiums payable under this AIA Private Health policy which fall due for payment after the end of the waiting period . We will waive the regular premiums payable under this policy until the occurrence of any one or more of the events set out in Section 5.
For occupation classes other than occupation class five:
In AIA’s opinion, the waiver of premium life assured is totally disabled , if as a result of sickness or injury, he or she is:
Under the regular and personal care of a registered medical practitioner ; and
Unable to:
perform at least one important income producing duty of the role they were involved in immediately before the disablement date and is not working in that role; or engage in the occupation they were involved in immediately before the disablement date for more than ten hours per week; and
not in fact working or engaged in any other occupation or business.
If a waiver of premium life assured has been on leave without pay for 12 months or less, or was unemployed for less than three months immediately before becoming totally disabled , the references in the above to “immediately before the disablement date ” are replaced by references to “immediately before going on leave or becoming unemployed ”.
For occupation class five:
In AIA’s opinion, the waiver of premium life assured is totally disabled , if as a result of sickness or injury, he or she is:
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disabled to such an extent that necessitates confinement to the home under medical supervision or to a recognised medical institution and necessitates receiving regular medical care; or
4.
Ongoing Claim Requirements
For ongoing claims we will require:
Completion of a monthly medical certificate by a registered medical practitioner (at your expense) in a form from time to time approved by us for the purposes of determining ongoing entitlement to a Waiver of Premium Benefit. Completion of a monthly individual declaration by the waiver of premium life assured in a form from time to time approved by us, which may include completion of daily activity logs detailing the waiver of premium life assured’s functional activities for the purposes of determining ongoing entitlement to a Waiver of Premium Benefit.
unable to perform at least two of the Activities of Daily Living without the assistance of someone else (if the waiver of premium life assured can perform an activity on his or her own by using special equipment AIA will treat the waiver of premium life assured as being able to perform that activity); and in each case, not working in any gainful occupation or engaged in voluntary work.
3.
How to make a claim for the Waiver of Premium Benefit
Proof of any remunerated or non-remunerated work completed during the claim period.
For any claims enquiries, advice about submitting a claim or before incurring any costs in respect to a claim, please phone the AIA Claims Team on 0800 500 108 or contact your adviser for assistance. We will tell you about any other information that may be required once notice of the claim has been received. You must give AIA written notice of a claim as soon as practicable but at least within 12 months of the event giving rise to the claim. We are under no obligation to consider a claim unless all of the information requested is provided. Furthermore, we are under no obligation to assess or pay a claim prior to receiving notification. We may also ask the waiver of premium life assured to undergo further medical examinations throughout the life of the claim. Any requests made by us for further medical information will be at our expense.
Any other information that we may deem relevant to the ongoing assessment of the claim.
5.
When will we cease waiving the regular premiums payable under this policy?
We will cease waiving the regular premiums payable under this policy if:
a. The waiver of premium life assured fails to undergo and complete:
any surgical operation; and/or
any medical rehabilitation; and/or
any social rehabilitation ; and/or
any vocational rehabilitation,
In order to assess your claim, we will require:
which a registered medical practitioner approved by us considers reasonably necessary.
the waiver of premium life assured to be examined by a registered medical practitioner , before accepting liability for a claim; and an AIA claims form completed by the waiver of premium life assured and a registered medical practitioner (at your expense); and
b. The waiver of premium life assured fails to undertake any medical examinations that we require the waiver of premium life assured to have, at our expense.
c. The waiver of premium life assured fails to comply with the requirements of Section 4 above.
other information which we may reasonably request to help assess the claim; and
d. We determine that the waiver of premium life assured is no longer totally disabled or a partial disability benefit is no longer payable in respect of the waiver of premium life assured under an AIA policy .
the waiver of premium life assured to undergo medical and/or surgical treatment (including any operation or vocational, medical and/or social rehabilitation) at your expense which the waiver of premium life assured’s registered medical practitioner or a registered medical practitioner approved by us considers necessary; and
e. The waiver of premium term expires in relation to the waiver of premium life assured .
f. The waiver of premium life assured or anyone acting on behalf of the waiver of premium life assured makes a false or fraudulent statement in respect of a claim or supports any claim with false evidence.
any other information that we may deem relevant to the assessment of the claim.
g. The waiver of premium life assured is in prison or
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7.
Key terms
sentenced to home detention for any reason.
h. The waiver of premium life assured attains age 65.
Activities of Daily Living are:
Activities of Daily Living
i. The waiver of premium life assured dies.
> Bathing and showering.
If we cease waiving the regular premiums payable under this policy in accordance with paragraphs (a), (b) or (c) and the waiver of premium life assured subsequently complies with the relevant requirement(s), then: The date that the waiver of premium life assured complied with the relevant requirement(s) will, subject to the provisions of this appendix, be treated as the disablement date for a new claim under this Waiver of Premium Benefit.
> Dressing and undressing.
> Eating and drinking.
> Using a toilet.
> Moving from place to place by walking, in a wheelchair or with a walking aid.
disablement date
The date the waiver of premium life assured became totally disabled .
The waiting period will be waived for the new claim.
We will not waive the regular premiums payable under this policy retrospectively for any period of time before the date that the waiver of premium life assured complies with the relevant requirement(s).
full-time care
Care for 16 hours per day or more, provided by a nursing service approved by AIA whose profession it is to provide nursing services or provided by a registered medical practitioner .
6.
Exclusions – when we won’t waive the regular premiums
totally disabled
See Section 2 of this appendix for the meaning of this key term.
We will not waive the regular premiums payable under this policy where any of the following (and in each case either directly or indirectly) cause or contribute to the disability:
total disablement has a corresponding meaning
The waiver of premium life assured deliberately injures himself or herself or attempts to do so.
unemployed
A person who is not engaged in remunerated work or business activities, for 10 hours or more a week.
The waiver of premium life assured engages in or is part of any conduct that is criminal.
Pregnancy of, or childbirth by, the waiver of premium life assured , unless the disability lasts for more than 90 days after the end of pregnancy, in which case the waiting period will start from the 91 st day. The waiver of premium life assured does not comply with the treatment prescribed by the attending treatment providers. If the waiver of premium life assured is imprisoned or sentenced to home detention for any reason, regular premiums will not be waived during the term of imprisonment or home detention.
This definition does not include a person on leave without pay.
waiting period
The period stated as such in the schedule during which we will not waive the regular premiums payable under this policy.
waiver of premium life assured
A life assured insured for the Waiver of Premium Benefit as named in the schedule .
waiver of premium term
The term the waiver of premium life assured is covered for the Waiver of Premium Benefit as stated in the schedule .
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