a combination of visual defects resulting in the same degree of visual impairment as either of the points above.
both feet (entire feet); or
both hands (entire hands); or
the sight in both eyes (to the extent that visual acuity is reduced to 6/36 or less in the better eye and/or the field of vision is reduced to 10 degrees or less of arc in the better eye); or any combination of two of: a hand, a foot or sight in an eye (to the extent that visual acuity is reduced to 6/36 or less and/or the field of vision is reduced to 10 degrees or less of arc); or
Permanent loss of hearing Means irreversible, and profound (defined in accordance with the Clark 1981 Scale of Hearing Impairment), hearing loss in both ears which cannot be corrected medically or mechanically. Permanent loss of speech The life assured , as a result of sickness or injury, loses the ability to produce intelligible speech, both natural and assisted. This loss must be total and permanent and the unequivocal diagnosis reaffirmed after a continuous period of three months of such loss by an appropriate specialist . Loss of speech related to any psychological cause is excluded.
c. is totally and permanently unable to perform at least two of the activities of daily living .
Alternatively, the life assured has suffered Total Permanent Disablement if he or she is unable to perform one of the activities of daily living and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires permanent and constant supervision. If the life assured commences full-time domestic duties, the definition of the Optional Total Permanent Disablement condition will change by replacing paragraph a. above with:
Permanent loss of use of limbs (including sight)
The life assured , as a result of sickness or injury, permanently loses the use of: both hands; or
a. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity:
both feet; or
one hand and one foot; or
For three consecutive months after that incapacity began, has not worked in any occupation or carried on any business or engaged in any other gainful employment ; and Following that three consecutive months is, in the opinion of AIA , after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or she will ever be able to work in any occupation or engage in any other gainful employment for which he or she may be reasonably suited by education, training or experience, which would pay remuneration at a rate
one hand and the sight of one eye (to the extent of 6/60 or less); or one foot and the sight of one eye (to the extent of 6/60 or less). Quadriplegia/Tetraplegia Total and permanent loss of function of both upper and lower limbs due to injury or disease of the spinal cord.
Total Permanent Disablement (Optional condition ) A life assured has suffered Total Permanent Disablement if in AIA’s opinion the life assured before attaining age 65:
greater than 25% of the life assured ’ s earnings during his or her last 12 consecutive months of work .
a. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity:
AIA will at its discretion waive the three month waiting period when assessing Total Permanent Disablement if:
is completely unable to engage in the occupation, or carry on the business, he or she was involved in immediately before becoming incapacitated; and
in AIA ’s opinion, the life assured has met all other requirements for payment under the Optional Total Permanent Disablement condition; and
for the three consecutive months after that incapacity began, has not worked in that occupation or carried on that business; and is, in AIA ’s opinion , after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or she will ever be able to resume work in that occupation or carry on in that business; or
AIA expects the life assured to survive beyond three months after the incapacity began.
In exercising this discretion, AIA will consider whether the medical condition of the life assured enables an assessment to be made immediately in respect of whether the life assured has met all other requirements of the Optional Total Permanent Disablement condition .
b. suffers by illness or accident the total and permanent loss of meaningful use of:
1119 AL- ST version 1 Effective 14 November 2025
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