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.
Personal effort using the life assured’s time and skills, whether or not income is generated for the life assured. Worked and working shall have similar meanings.
work
The ‘Policy Owner’ named in the schedule .
you/your
862 TCB-TPD version 9 Effective 12 May 2026
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