Updated Product Research Database v15_8

This version of the database includes the following changes:

Changes in V15.8

Personal

• AIA - New policy documents effective 8 March 2024 and rating changes applied to:
  * AIA Private Health
  * AIA Cancer Care
  * AIA Real Health
  * ASB Private Health

• Asteron Life – new policy document effective 25 March 2024
  * rating changes applied

• nib - new policy documents effective December 2023
  * rating changes applied

Business

• Asteron Life - new policy document effective 25 March 2024
  * rating changes applied

Reviews

• Policy document linking and updates made to:
  * Pinnacle Life (all products)
  * Momentum Life (all products)

• Medical
  * Sub-item review for ‘Diagnostic Tests’
  * Sub-item review for ‘Exclusions’
  * New exclusion added for ADM Intravitreal Eye Injections

• Trauma
  * Review of nib 'Serious Conditions Financial Support Option'
  * Incidence remediation for ‘Future Insurability’
  * Amount score review for ‘Special Events Increase’
  * Definition remediation for 'Coma'
  * Remediation for 'Life Cover Buyback'
  * Definition score review for nib's Upgrade Policy Wordings for Life&Living

• Life
  * Sub-item review for ‘Business Events Increase’

• Financial Stability Rating updates applied to:
  * AA Life from AA- to A+
  * Accuro from B+ to B
  * Asteron Life from AA- to A+
  * nib from A- to A
  * Southern Cross from A to A+
  * AMI from AA- to AA (available in QPR database only)
  * State from AA- to AA (available in QPR database only)