Terminal illness
Cognitive impairment A permanent and irreversible loss of cognitive function that requires the life assured to be under continual care and supervision by an appropriate carer for at least 8 hours per day, as certified by an appropriate specialist. Intensive care benefit Means continuous mechanical ventilation by means of tracheal intubation for at least seven days or the admission to the intensive care ward of a hospital for at least fifteen consecutive days at the recommendation of an appropriate specialist . Unconsciousness caused by alcohol or drug abuse are specifically excluded. Major transplant surgery The life assured has undergone, or been placed on the major organ transplant waiting list in New Zealand or Australia for a transplant from a human donor of one or more of the following organs or substances:
The life assured has been diagnosed as having an illness where in AIA’s opinion despite all reasonable medical treatment they are expected to live for no more than 12 months. The registered medical practitioner treating the illness must provide supporting evidence of the illness, possible medical treatment, the prognosis and confirm that the definition of Terminal Illness has been met. The claim payment will be paid if the life assured is alive 14 days following the medical certification. The Terminal Illness Benefit will be treated as an early payment of the Severe Trauma Benefit. The Severe Trauma Benefit will then be reduced by any amount paid by the Terminal Illness Benefit.
This Benefit is only available if the words standalone Severe Trauma Benefit appears in the schedule .
Death of the life assured as a result of accident is not covered under the Terminal Illness Benefit.
Kidney;
Heart;
Lung;
Liver;
Pancreas;
Bone marrow; or
Intestine.
The transplant of all other organs or parts of any organ or of any other tissue or stem cell transplant is excluded.
The transplant must be considered medically necessary and the condition affecting the organ deemed untreatable by any means other than organ transplant, as confirmed by an appropriate specialist . Severe burns The life assured has suffered severe tissue injury caused by thermal, electrical or chemical agents. As a result, the life assured has full thickness or third-degree burns to: at least 20% of the body surface area (as measured by age-appropriate use of The Rule of 9 or the Lund and Browder Body Surface Chart); or
50% of both hands, requiring surgical debridement and/or grafting; or
25% of the face, requiring surgical debridement and/or grafting.
Systemic Sclerosis
The life assured has been unequivocally diagnosed by an appropriate specialist with systemic sclerosis, causing the life assured to be totally and irreversibly unable to perform any one of the activities of daily living.
1119 AL- ST version 1 Effective 14 November 2025
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