Common exclusions

Within the first two years of continuous cover: any illness, disease, naturally occurring condition, degenerative process, or symptom of any of these that the person insured has, or has had., Within the first two years of continuous cover: suicide or a deliberate act by the person insured causing injury to themselves, whether they are sane or insane, unless that injury is indirect and unintended., No exclusions apply two years after the later of the date your cover starts or restarts.

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)., AIA will not pay the increased benefit amount if: Before the increase, the life assured qualified for payment of the Terminal Illness Benefit or the Specified Terminal Conditions Benefit; or Within six months following the increase, the life assured dies, except where accidental death under this benefit occurs; or qualifies for payment of the Terminal Illness Benefit or the Specified Terminal Conditions Benefit., After the Special Events TPD/Trauma Facility has been exercised, AIA will not pay a benefit under the added benefit, if, at any time before the Facility was exercised, or within six months of the Facility being exercised, the life assured suffers any claim event for anything other than an accident under the benefit, or has any symptoms or signs leading to a claim event (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the benefit., No claim under this benefit appendix will be payable for any claim event that occurs during the period that the cover is suspended.

If the life assured dies within 24 months of the cover start date from any cause other than an accidental injury, the sum insured is not paid — only premiums paid for the relevant cover are refunded., Cover does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Chubb Life from providing insurance, including paying claims., Cover may be cancelled or claim declined if the life assured was not a permanent resident of New Zealand when their cover started., If false or incorrect information was provided, or information asked for was not given, Chubb Life may decline the claim, reduce or cancel cover, cancel the policy from inception, or keep all or some of premiums.

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., Child's Funeral Assistance Benefit: death doesn't directly result from a known congenital condition, or any child pre-existing condition, Child's Funeral Assistance Benefit: death hasn't occurred within three months of the start date or reinstatement of their parent's Life Cover, Repatriation Benefit will not pay direct costs which can be or have been claimed, reimbursed, or paid for, under any of the following: a travel insurance policy, any other insurance policy, government aid or assistance, any other source., 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.

We will NOT pay the Funeral Insurance Benefit if a Life Insured dies within 24 months of the Cover Start Date for the cover/s unless that Life Insured dies as a direct result of an Accident., We will not pay any Benefit if this Policy has been cancelled. We will cancel your Policy if you do not pay your premium when it is due and it remains unpaid for more than one month., The Accidental Death Benefit is only paid if death occurs as a direct result of an Accident, and within 90 days of that Accident., The Accidental Serious Injury Insurance Benefit is only paid if the Accidental Serious Injury occurs as a direct result of an Accident and within 12 months of that Accident., No benefit is payable if the Life Insured does not survive at least 14 days from the date of the Accident (Accidental Serious Injury)., If a Life Insured dies or suffers an Accidental Serious Injury during the premium pause period, this Policy will not pay any of the Benefits set out in the Policy Schedule, unless the Life Insured dies because of an Accident, in which case we will pay the Funeral Insurance Benefit for that Life Insured (but no other Benefits).

During the first 12 months after the Acceptance Date, a Funeral Insurance Benefit Amount (and the Accidental Death Benefit) will only be paid if the Life Insured suffers Accidental Death. This means that no benefit is payable if a Life Insured dies as a result of any other cause during this period., We will not pay a Funeral Insurance Benefit Amount if a Life Insured is diagnosed with a Terminal Illness within 12 months of the Acceptance Date of the Policy, or within 12 months of the date on which this Policy is reinstated., an intentional self-inflicted bodily injury, suicide, or attempted suicide, engaging in any criminal activities or illegal acts, the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for substance abuse, drug addiction or dependence), the consumption of intoxicating liquor or other beverages, including having a blood alcohol content over the prescribed legal limit whilst driving, engaging in any professional sport (meaning the Life Insured's livelihood is substantially dependent on income received as a result of playing sport), engaging in any motor sports (land or water) as a rider, driver and/or passenger, being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft, war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion, Accidental Serious Injury Benefit cover ends on the Policy Anniversary following the Life Insured's 75th birthday

During the first 12 months after the Acceptance Date (or reinstatement date), no Funeral Insurance Benefit (or Accidental Death Benefit) is payable for death from any cause other than Accidental Death., No Funeral Insurance Benefit is payable if a Life Insured is diagnosed with a Terminal Illness within 12 months of the Acceptance Date or within 12 months of the date on which the Policy is reinstated., Accidental Serious Injury Benefit is not payable if the condition results from: an intentional self-inflicted bodily injury, suicide or attempted suicide., Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any criminal activities or illegal acts., Accidental Serious Injury Benefit is not payable if the condition results from: the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for substance abuse, drug addiction or dependence)., Accidental Serious Injury Benefit is not payable if the condition results from: the consumption of intoxicating liquor or other beverages, including having a blood alcohol content over the prescribed legal limit whilst driving., Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any professional sport (meaning the Life Insured's livelihood is substantially dependent on income received as a result of playing sport)., Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any motor sports as a rider, driver, and/or passenger., Accidental Serious Injury Benefit is not payable if the condition results from: being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft., Accidental Serious Injury Benefit is not payable if the condition results from: war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion., Accidental Serious Injury Benefit cover ends on the Policy Anniversary following the Life Insured's 75th birthday., Blindness due to cataracts is excluded from the Blindness in Both Eyes definition under the Accidental Serious Injury Benefit.