treatment or services from a r egistered medical practitioner , or took prescribed drugs and medicines. Means the date the application for cover is received by AIA along with a valid payment instruction. Any condition that AIA , in its sole discretion, deems to be directly or indirectly related to a previous claim's condition . This includes: (a) any condition that shows any increase in severity level of the same condition , and
Means treatments, therapies or procedures intended to remove, reduce or cure cancer. It does not include treatments, therapies or procedures which are primarily intended to improve the quality of life or ease pain and suffering, but which are not curative. Personal effort using the life assured ’s time and skills, whether or not income is generated for the life assured . Worked and working have similar meaning.
treatment modalities
receipt of application
related condition
work
(b) any condition that:
arises in connection with;
is a complication of;
results from;
is a consequence of; or
is a complication of treatment for;
a condition for which AIA has paid a claim under the original Severe Trauma Benefit. Any two conditions that are both related conditions of a third condition will be treated as related conditions to each other for calculating the amount payable. Means mental deterioration and loss of intellectual ability, evidenced by deterioration in memory, orientation and reasoning, which are measurable and result from demonstrable organic cause as diagnosed by a specialist . The degree of cognitive impairment must be sufficiently severe to require a minimum of 16 hours of daily supervision by a nursing service approved by us. Determination of a cognitive impairment will be made on the basis of clinical data and valid standardised measures of such impairments.
significant cognitive impairment
1166 ALB-ST version 2 Effective 12 May 2026
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