took prescribed drugs and medicines.
shoulder joint and ends at the wrist joint;
the hand starts from the wrist joint;
Sovereign policies
Any policy or policies where Sovereign is the insurer.
the leg starts from the hip joint and ends at the ankle joint; and
specialist
A registered medical practitioner who has an approved fellowship in one of the approved surgical, anaesthetic or traditional non- surgical colleges and who is registered with the New Zealand Medical Council. These include, but are not limited to, the following disciplines: general surgery, orthopaedic surgery, urology, neurosurgery, anaesthesiology, cardiology, endocrinology, gastroenterology, haematology, paediatrics, gynaecology, obstetrics, neurology, oncology, renal specialists and rheumatology. As defined in the ‘Guides to the Evaluation of Permanent Impairment – 4th Edition’ (or subsequent editions), produced by the American Medical Association and measured six months beyond initial diagnosis.
the foot starts from the ankle joint.
Non-surgical procedures or treatments initiated to treat the claimed medical condition including but not limited to: stereotactic radiosurgery, laser therapy, ultrasonic aspiration, chemotherapy, or radiotherapy. Pharmaceutical therapies administered outside of a clinical setting are excluded. An invasive procedure occurring in a hospital operating theatre involving the incision, excision, manipulation, or suturing of tissue, under general anaesthesia, spinal anaesthesia, or epidural. Elective cosmetic procedures are excluded. A service or supply provided by a registered medical practitioner or specialist that Sovereign deems on reasonable grounds is necessary for the treatment of the disease, illness, or injury involved. Under no circumstances shall the following services or supplies be considered medically necessary:
major interventional treatment
major invasive surgery
whole person functioning
medically necessary
The 'Policy Owner' named in the schedule .
you/your
Those services or supplies that do not require the skills or services of a r egistered medical practitioner or specialist ; and Those services or supplies provided mainly for the comfort or convenience of the life assured.
pre-existing condition
Any disease or medical condition for which, prior to becoming covered under this policy, the individual consulted a r egistered medical practitioner , received treatment or services from a r egistered medical practitioner , or
803 TCP-LAE version 14 Effective 12 May 2026
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