Using a toilet - The ability for the life assured to get onto and off the toilet and clean themselves. If the life assured can care for a stoma or catheter or uses adaptive devices to perform this task we will consider them able to toilet themselves. Moving from place to place - The ability for the life assured to move between locations without physical assistance or supervision. If the life assured uses motorised equipment or supportive devices,
Care for 16 hours per day or more, provided by a nursing service approved by AIA whose profession it is to provide nursing services. Working to generate income through personal efforts by using the life assured ’s time and skills. He or she can be self-employed, employed, earning fees, under contract, receiving commissions, working on contract or otherwise remunerated for his or her efforts.
full-time care
gainful employment
limb(s)
An arm, leg, hand or foot. In respect of this definition:
the arm starts from the shoulder joint and ends at the wrist joint;
including but not limited to rails, grab bars, walkers, canes and wheelchairs then we will consider them able to move from place to place. A medically qualified carer, or caring full time for a person who would need hospital, rest home or residential care. A treatment, illness, surgical procedure or event, as specified in this appendix , which meets the specified definition.
the hand starts from the wrist joint;
the leg starts from the hip joint and ends at the ankle joint; and
appropriate carer
the foot starts from the ankle joint.
condition(s)
medically necessary
A service or supply provided by a registered medical practitioner or specialist that AIA deems on reasonable grounds is necessary for the treatment of the disease, illness, or injury involved. Under no circumstances shall the following services or supplies be considered medically necessary:
congenital condition
A health anomaly or defect, regardless of whether diagnosed or not:
which is present at birth; and
for which the individual had signs or symptoms within three months of birth.
Those services or supplies that do not require the skills or services of a registered medical practitioner or specialist ; and Those services or supplies provided mainly for the comfort or convenience of the life assured .
Includes health anomalies or defects inherited or due to external environmental factors such as drugs, alcohol, or complications during pregnancy or delivery. The later of the effective date or the actual date from which we receive the increased premium for the Life Cover Benefit and Accelerated Severe Trauma Benefit cover.
date of conversion
pre-existing condition
Any disease or medical condition for which, prior to becoming covered under this policy, the individual consulted a registered medical practitioner , received
1166 ALB-ST version 2 Effective 12 May 2026
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