AIA will not waive the three month waiting period if, in our opinion, after considering suitable medical evidence, we believe that the life assured may die within three months after the incapacity began. A decision not to waive the three month waiting period will not affect our consideration of a claim under the Optional Total Permanent Disablement condition if the life assured survives for three months after the incapacity began. Any condition that AIA has reasonable grounds to expect can be reversed or improved by surgery or other treatment will not be considered as having met this Optional Total Permanent Disablement condition . AIA will not pay a benefit under the Optional Total Permanent Disablement condition if the life assured dies within three months of the date that the life assured became incapacitated.
Diabetic gangrene leading to surgical intervention; or
Severe diabetic nephropathy causing chronic irreversible stage 4 renal impairment.
Aplastic anaemia The life assured has suffered the first occurrence of permanent and irreversible bone marrow failure which results in anaemia, neutropenia and thrombocytopenia, requiring treatment with at least one of the following:
Blood product transfusion;
Marrow stimulating agents;
Immunosuppressive agents;
Bone marrow transplantation;
Haemopoietic stem cell transplantation.
Other key conditions
Chronic liver failure The life assured suffers an unequivocal diagnosis of end- stage liver failure confirmed by an appropriate specialist and evidenced by one of the following conditions:
The life assured has suffered or undergone one of the following conditions :
permanent jaundice;
Advanced Acquired Immunodeficiency Syndrome (AIDS) The life assured has been unequivocally diagnosed by an appropriate specialist with Advanced Acquired Immunodeficiency Syndrome in the clinical setting, evidenced by the presence of HIV infection with a persistent CD4 cell count of less than 200/ul despite appropriate continuous antiretroviral therapy.
ascites; or
encephalopathy.
Chronic lung disease The life assured has irreversible chronic lung disease as confirmed by an appropriate specialist on the basis of respiratory function tests and which satisfies any one of the following criteria:
There must be an associated AIDS defining illness with AIDS resulting in at least one of the following:
Type 1 respiratory failure defined as O2 <60mm hg; or
Kaposi's Sarcoma or Lymphoma.
Type 2 respiratory failure defined as CO2 >45 mm hg; or
Pneumocystis Carinii infection, cryptococcal infection or any other opportunistic infection of the lungs or nervous system.
the provision of home oxygen therapy according to clinical practice guidelines for hypoxia O2 <55 mm hg (or 60 mm hg in the presence of pulmonary hypertension); or
Tuberculosis or other mycobacterium infection at any site.
FEV1 <35% predicted; or
Progressive multifocal leukoencephalopathy.
DLCO (diffusing capacity or gas transfer) < 40% predicted; or
HIV Encephalopathy.
HIV wasting syndrome characterised by more than 10% weight loss, chronic intractable diarrhoea and chronic candidiasis of the respiratory tract or gastrointestinal tract. Advanced diabetes The life assured suffers severe diabetes mellitus, either insulin or non-insulin dependent, as certified by a consultant endocrinologist and resulting in at least two of the following:
is unable to perform at least one of the activities of daily living as a result of the respiratory failure.
Chronic renal failure The failure of both kidneys of the life assured having reached the end-stage of renal disease resulting in chronic irreversible failure of the kidneys to function, as a result of which regular renal dialysis is instituted or transplantation performed.
Severe diabetic retinopathy resulting in visual acuity uncorrected and corrected of 6/36 or worse in both eyes; Severe diabetic neuropathy causing motor and/or autonomic impairment;
1119 AL- ST version 1 Effective 14 November 2025
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