20.
Key terms
and clean themselves. If the life assured can care for a stoma or catheter or uses adaptive devices to perform this task we will consider them able to toilet themselves. Moving from place to place - The ability for the life assured to move between locations without physical assistance or supervision. If the life assured uses motorised equipment or supportive devices, including but not limited to rails, grab bars, walkers, canes and wheelchairs then we will consider them able to move from place to place. A medically qualified carer, or caring full time for a person who would need hospital, rest home or residential care. A treatment, illness, surgical procedure or event, as specified in this appendix , which meets the specified definition. A health anomaly or defect, regardless of whether diagnosed or not:
accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event. The total and irreversible disablement of the life assured , from which they are not expected to recover, with the effect that they are unable to ever perform without the physical assistance of someone else, any of the following activities. If the life assured can perform the activity on their own by using special equipment AIA will treat the life assured as being able to perform that activity: Bathing and showering - The ability for the life assured to wash themselves either in the bath or shower. If the life assured performs these tasks by using equipment or adaptive devices, we will consider them able to bathe themselves. Dressing and undressing - The ability for the life assured to independently put on or take off all garments, including the securing and unfastening thereof. If the life assured is using modified clothing or adaptive devices including but not limited to tape fasteners or zipper pulls we will consider them able to dress themselves. Eating and drinking - The ability for the life assured to eat or drink independently once food has been prepared and made available. If the life assured is able to perform these tasks using assistive devices, including but not limited to modified utensils or adaptive dinnerware, we will consider them able to eat or drink independently. Using a toilet - The ability for the life assured to get onto and off the toilet
activities of daily living
appropriate carer
condition(s)
congenital condition
which is present at birth; and
for which the individual had signs or symptoms within three months of birth.
Includes health anomalies or defects inherited or due to external environmental factors such as drugs, alcohol, or complications during pregnancy or delivery. The later of the effective date or the actual date from which we receive the increased premium for the Life Cover Benefit and Accelerated Severe Trauma Benefit cover. Care for 16 hours per day or more, provided by a nursing service approved by AIA whose profession it is to provide nursing services.
date of conversion
full-time care
Gainful employment
Working to generate income through personal efforts by using
1119 AL- ST version 1 Effective 14 November 2025
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