> a registered medical practitioner no longer certifies that full-time care is required; or > we have paid the Home Care Benefit for 6 consecutive months; or
benefit appendix , then the amount of benefit payable will be calculated using Section 2 or Section 6 (respectively) of this benefit appendix , provided that the 12 month period used for calculating the life assured’s pre-disability income will be a combination of: the period from the date of reinstatement to the date of disablement ; and the period immediately prior to the commencement of the suspension event that is needed to make up the balance of the 12 month period.
> the benefit payment period ends;
whichever comes first.
For any period where the life assured is entitled to a Permanent Disablement Benefit, the Home Care Benefit will not be payable.
16.
When can you suspend cover and when will AIA reinstate cover?
17.
What is the Future Insurability Benefit?
The Future Insurability Benefit is a built-in benefit for a life assured unless you have selected the Optional Claim Indexation Benefit (specified in the schedule as CPI linked). If you have selected the Optional Claim Indexation Benefit, the Future Insurability Benefit is not available. The Future Insurability Benefit will only apply for a life assured if the Loss of Earnings Benefit sum assured shown in the schedule for the life assured together with any previous Future Insurability Benefit increases for the life assured is less than $240,000 per annum. Future Insurability Benefit increases cannot be used to increase the Loss of Earnings Benefit sum assured to more than $240,000 per annum, or to be in excess of the agreed replacement ratio disclosed in your application. If the Future Insurability Benefit applies for a life assured , then the Loss of Earnings Benefit sum assured for the life assured may be increased without the need to provide further medical evidence, subject to the following conditions: > The Loss of Earnings Benefit sum assured for the life assured may be increased by up to the lower of $12,000 per annum or 10% of the Loss of Earnings Benefit sum assured for the life assured set out in the schedule . > You can only apply for an increase in cover under this Future Insurability Benefit for a life assured once every three years, or in the case relating to an increase in income once per year, and you must apply to AIA in writing within 60 days either side of the applicable policy anniversary date . > If the increase is related to your increase in income you must apply in writing to AIA and provide evidence satisfactory to AIA of the life assured’s increased income within 60 days of the increase in income. This evidence is either:
A life assured can suspend their cover under this benefit appendix for up to 12 months if they:
> go on parental leave;
> go on leave without pay for any reason;
> become unemployed or redundant;
> experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year); or > if self-employed, experience a 30% reduction in revenue (by comparing one month’s revenue against the same month for the previous year),
provided that:
> you notify AIA within three months of one of the above listed suspension events occurring and provide evidence to AIA of the suspension event; and
> AIA acknowledges in writing receipt of that notification.
Cover for the life assured will be suspended from the date set out in AIA’s written acknowledgment. No premium will be payable during the period that the cover is suspended. No claim under this benefit appendix will be payable during, or for any disability that occurs during, the period that the cover is suspended. A claim may only be payable if the life assured first meets the criteria for an eligible claim under this policy after their cover is reinstated. Cover under this benefit appendix may be reinstated at the end of the suspension period in accordance with this Section without the need to provide further medical evidence, provided that the benefit has been suspended for no longer than 12 months. At the end of the suspension period, the benefit will be automatically reinstated for the life assured . Cover for the life assured will be reinstated from the date set out in AIA’s written acknowledgement. The premium payable for the reinstated benefit will be based on AIA’s premium rates at the time of the reinstatement. If the life assured becomes entitled to a Total Disability Income Benefit or a Partial Disability Income Benefit within 12 months following the reinstatement of cover under this
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confirmation of the increase in salary from the life assured’s employer; or in the case of a life assured who is self-employed, the life assured’s annual accounts showing an increase in the Net Profit amount before tax, less expenses.
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> The total of all Future Insurability Benefit increases for a life assured cannot exceed 100% of the original Loss of Earnings Benefit sum assured for the life assured . > AIA will increase the Loss of Earnings Benefit sum assured for the life assured from the date we accept your request.
1109 AL-LOE version 5 Effective 12 May 2026
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