This page describes the structure and contents of the policy wording.
The health insurance policy wording is comprised of two documents:
The Private Health Umbrella Wording PDF
The Policy Schedule
Private Health is Sovereign’s flagship health insurance policy. The Umbrella Wording is common to all Private Health policies. The Policy Schedule is customised as it contains personal details such as who is insured. Each of these parts is summarised below.
The Private Health Umbrella Wording comprises an introductory section and eight detailed sections.
The Policy Schedule comprises the customised part of the policy wording, and is relatively brief. It specifies the following principal information:
The individual details on the Policy Schedule can be varied by notice or application to Sovereign as applicable, where permitted in accordance with the terms of the Umbrella Wording.
Please note that if you have already taken out a health insurance policy through KiwiCover, your policy wording may be different from the policy wording referred to above.