19.
Definitions of medical conditions
considers necessary.
Any other information that AIA may deem relevant to the assessment of the claim.
Cancer
The life assured has suffered or undergone one of the following conditions :
For advice about submitting a claim you can phone AIA on 0800 500 108 or your Adviser. Find claim information online at AIA.co.nz
Cancer
Any metastatic cancer classified as, Stage III (3) based on TNM classification, where all treatment modalities have failed and been exhausted and where no other therapies are available and where progression of the cancer can be identified, or Stage IV (4) based on TNM classification; or Advanced lymphoma classified as, Ann-Arbor Stage III (3) where all treatment modalities have failed and been exhausted and where no other therapies are available and where progression of the cancer with resultant ongoing and continuous symptomatology can be identified, or Ann-Arbor Stage IV (4) classification; or Leukaemia where all treatment modalities have failed and been exhausted and where no other therapies are available, where progression of the cancer can be identified, and where there is resultant ongoing and continuous symptomatology; or Malignant brain tumour classified as Grade III (3) based on the WHO grading system for malignant neuroepithelial tumours of the central nervous system, where all treatment modalities have failed and been exhausted and where no other therapies are available and where progression of the cancer can be identified, or Grade IV (4) based on the WHO grading system for malignant neuroepithelial tumours of the central nervous system; or Multiple myeloma where all treatment modalities have failed and been exhausted and where no other therapies are available, where progression of the cancer can be identified, and where there is resultant ongoing and continuous symptomatology.
Heart
The life assured has suffered or undergone one of the following conditions :
Cardiomyopathy Cardiomyopathy means impaired ventricular function of variable aetiology, resulting in permanent and irreversible left ventricular ejection fraction of less than 40% (two measurements at least six months apart) whilst on ongoing optimal therapy for a minimum of six months, and significant and irreversible physical impairment to the degree of at least Class III (3) of the New York Heart Association Functional Classification System of cardiac impairment.
1119 AL- ST version 1 Effective 14 November 2025
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