If you suffer a Terminal Illness, you need to provide a medical certificate to Harmoney as part of the claims process. The certificate must be issued and signed by a registered medical doctor in practice in New Zealand. Within the certificate, the doctor must state what your diagnosis is, state that it is making you unable to perform your job, and that it is likely to result in your death within 12 months.
Written by Monisha Begum
Updated over a week ago