Hospitalisation / Nursing Care Benefit
During the Qualifying Period for a Total Disability Benefit, if you are hospitalized for more than three days and up to a maximum of 90 days, we'll help meet the added expense of hospitalization and nursing care if necessary.
Rehabilitation Expenses Benefit
While we are paying you a Total Disability Benefit we'll also help meet approved costs of equipment or other expenses which you've reasonably incurred for your rehabilitation. To assist you in your recovery, we may require you to undertake rehabilitation recommended by a Medical Practitioner.
Vocational Training Benefit
While we're paying you a Total Disability Benefit we'll also help meet approved costs and other expenses which you've reasonably incurred for vocational training.
Specified Sicknesses Benefit
For the following Specified Sicknesses, you'll receive payment for a minimum period (less the Qualifying Period) even if you're able to return to work during that time.
- Cancer (Malignant Tumours)
- Chronic Kidney Failure
- Coronary Artery Bypass Surgery
- Heart Attack
- Heart Valve Surgery
- Major Organ Transplant
- Multiple Sclerosis
- Paraplegia
- Quadriplegia
- Sever Burns
- Stroke
All of the Specified Sicknesses definitions match the Trauma Definitions.
Death Benefit
If you die while covered, we'll pay a lump sum equal to 10 weeks of the Total Disability Benefit to your estate.
Homecoming Costs Benefit
If you're overseas when you become Totally Disabled, and you're likely to remain Totally Disabled for at least 13 weeks, we'll cover costs to get you back to New Zealand
Family Member's Accommodation Benefit
If you become totally disabled for longer than the Qualifying Period, and you're confined for treatment for more than 50 kilometres from home, we'll help pay for an immediate family member to stay with you.
