Common exclusions across NZ life policies

AIA will not pay any benefit under this appendix where the life assured dies or becomes terminally ill as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase you make.

AIA will not pay any benefit under this appendix where the life assured dies or becomes terminally ill as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase you make., AIA will not pay a Parents Grieving Benefit if death directly or indirectly arises from an injury caused by you, or the child's parents or guardian(s).

This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims., A policy enhancement won't apply if you're claiming for an illness, injury or condition that showed signs or symptoms, or was diagnosed before the enhancement came into effect., You can't make any claim while we're suspending your policy. We also won't cover you or any life assured for any illness, injury or condition that showed signs or symptoms, or was diagnosed, while we've suspended your policy.

War or any act of war, Invasion, Terrorism or any acts of terrorism, Act of foreign enemy, Hostilities, strike, riot or civil commotion, Civil war, rebellion, revolution or insurrection, Military or usurped power, Suicide, attempted suicide or intentional self-injury within 13 months of the cover start date or from the date the policy was reinstated after being cancelled (Life, Advanced Funeral and Terminal Illness Benefits), Critical Illness Benefit: attempted suicide or intentional self-injury by the life insured, whether sane or insane, Critical Illness Benefit: an unlawful act by you or the life insured, Critical Illness Benefit: alcohol or drugs taken by the life insured – unless prescribed by a qualified medical practitioner, Critical Illness Benefit: the life insured driving a motor vehicle with a blood alcohol level exceeding the minimum legal limit, Critical Illness Benefit: conditions or symptoms of conditions (not caused by accidental injury) which occurred, whether diagnosed or not, within 3 months after the later of the original cover start date, any increase to the Critical Illness Cover Amount (in respect of the increased portion only), or the most recent date this policy was reinstated

We will cancel the cover, or the increased portion of cover, and retain any premiums paid if the insured person, whether sane or insane, dies by their own hand within 13 months of: the start date or the date of reinstatement, or the date of any increases in the sum insured, excluding increases due to CPI Increases., The Child's Funeral Assistance Benefit will not be payable if the death directly results from a known congenital condition, or any child pre-existing condition., The Child's Funeral Assistance Benefit will not be payable if the death occurred within three months of the start date or reinstatement of their parent's Life Cover., The Repatriation Benefit will not pay direct costs which can be or have been claimed, reimbursed, or paid for, under a travel insurance policy, any other insurance policy, government aid or assistance, or any other source., The Repatriation Benefit does not cover: the insured person's funeral, cremation, or the transportation of their ashes, or burial; the transportation or accommodation cost for a person to accompany the coffin or casket for repatriation; the transportation of the coffin or casket following its arrival in New Zealand or their home country; any other cost which is not a direct cost.