Logo Critical Illness Cover

Additional Benefits

In addition to the built-in benefits, your Critical Illness Cover includes these additional benefits.

With the Financial and Legal Advice Benefit, we can reimburse you for professional advice you get about using money from a Full Critical Illness Benefit claim.

When We’ll Pay This Benefit

We’ll pay this benefit if all the following apply:

  • We’ve paid a Full Critical Illness Benefit claim
  • Within 12 months of us paying the claim, you’ve received professional advice about using the money from the claim payment
  • You apply for this benefit within 12 months of receiving the advice
  • The professional advice is either:
    • Legal advice from a lawyer, solicitor, or barrister who’s registered with the New Zealand Law Society
    • Advice about financial planning from a financial advice provider licensed by the Financial Markets Authority

Payment Amount

We’ll reimburse you up to $2,500 for the professional advice you get.

Complimentary Children’s Benefit

The Complimentary Children’s Benefit covers a life assured’s dependant child if they get any of the conditions we cover.

When We’ll Pay This Benefit

We’ll pay this benefit if all the following apply:

  • The dependant child of a life assured meets the criteria for a medical condition we cover under this policy
  • The child is aged from 3 months to 18 years old when they first meet the criteria for the condition
  • The condition did not show signs or symptoms, or was not diagnosed, before the later of the commencement date or date of legal adoption or guardianship of the child
  • The condition isn’t congenital

A congenital condition is a medical condition that’s recognised or diagnosed within 4 months of birth, whether inherited or caused by external factors such as drugs or alcohol.

Payment Amount

The Complimentary Children’s Benefit amount for each child is the lesser of:

  • The total amount we’re insuring the child’s parents for under our Life & Living Critical Illness Cover
  • $50,000

If the child meets the criteria for one of the:

  • Full Critical Illness Benefit conditions we cover – we’ll pay the full Complimentary Children’s Benefit amount
  • Conditions that we cover under any other benefit that pays 25 percent of the Critical Illness sum insured - we’ll pay 25 percent of the Complimentary Children’s Benefit amount

We’ll subtract the amount we pay from the Complimentary Children’s Benefit amount for that child.

Limitations

We’ll only cover each child under one Complimentary Children’s Benefit, no matter who this policy covers or how many policies you or anyone else has with us.

Once we’ve paid the maximum Complimentary Children’s Benefit amount, we’ll stop covering the child under this benefit.