Terminal illness
18. Key terms
The life assured has been diagnosed as having an illness where in AIA’s opinion despite all reasonable medical treatment they are expected to live for no more than 12 months. The registered medical practitioner treating the illness must provide supporting evidence of the illness, possible medical treatment, the prognosis and confirm that the definition of Terminal Illness has been met. The claim payment will be paid if the life assured is alive 14 days following the medical certification. The Terminal Illness Benefit will be treated as an early payment of the Severe Trauma Benefit. The Severe Trauma Benefit will then be reduced by any amount paid by the Terminal Illness Benefit.
accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event. The total and irreversible disablement of the life assured , from which they are not expected to recover, with the effect that they are unable to ever perform without the physical assistance of someone else, any of the following activities. If the life assured can perform the activity on their own by using special equipment AIA will treat the life assured as being able to perform that activity:
activities of daily living
This Benefit is only available if the words standalone Severe Trauma Benefit appears in the schedule .
Death of the life assured as a result of accident is not covered under the Terminal Illness Benefit.
Bathing and showering - The ability for the life assured to wash themselves either in the bath or shower. If the life assured performs these tasks by using equipment or adaptive devices, we will consider them able to bathe themselves. Dressing and undressing - The ability for the life assured to independently put on or take off all garments, including the securing and unfastening thereof. If the life assured is using modified clothing or adaptive devices including but not limited to tape fasteners or zipper pulls we will consider them able to dress themselves. Eating and drinking - The ability for the life assured to eat or drink independently once food has been prepared and made available. If the life assured is able to perform these tasks using assistive devices, including but not limited to modified utensils or adaptive dinnerware, we will consider them able to eat or drink independently.
1166 ALB-ST version 2 Effective 12 May 2026
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