Every NZ insurance concept, explained at four levels.

Excesses Under AIA Private Health

What Is an Excess?

The *excess* is the amount you will be responsible for paying towards treatment, procedures, or benefits you claim under this policy for each *life assured*. It applies separately to each person and resets to its full value at the start of each *policy year* (Clause 7).

Available Excess Amounts

AIA Private Health Cover offers *excess* amounts of $0, $250, $500, $750, $1,000, $2,000, $4,000 or $10,000 (Clause 8).

AIA Private Health Plus additional benefits allow *excess* amounts of $0 or $250. This *excess* is in addition to any applicable *excess* under AIA Private Health Cover, but is only payable once per *life assured* per *policy year* (Clause 9).

When Excess Is Waived

The *excess* will be waived if: - The full excess has already been paid by you for that *life assured* in the applicable *policy year*, in which case any further claims are excess-free for the remainder of that year; or - The surgery occurs within 3 months of a related surgery (Clause 8).

Certain benefits have no *excess* payable, including Bereavement Grant, Parents Grieving Benefit, Dental Evaluation and Treatment Prior to Qualifying Treatments, Mental Health Support Benefit, Minor Surgery Benefit, Congenital Conditions Surgery Benefit, Home Nursing, Waiver of Premium on Death, Treatment Away from Home in New Zealand, Parent Accommodation Benefit, Post-cancer Treatment Care and Support, Public Hospital Cancer Treatment Cash Benefit, and Palliative, Hospice and Respite Care (Clauses 12–25).

Changing Your Excess

You may request AIA to change your *excess*. To reduce it, you may be required to provide health information confirming good health. Any change will alter your *premium* (Clause 11).