the life assured ’s time and skills. He or she can be self-employed, employed, earning fees, under contract, receiving commissions, working on contract or otherwise remunerated for his or her efforts.
indirectly related to a previous claim's condition . This includes:
(a) any condition that shows any increase in severity level of the same condition , and
(b) any condition that:
limb(s)
An arm, leg, hand or foot. In respect of this definition:
arises in connection with;
is a complication of;
results from;
the arm starts from the shoulder joint and ends at the wrist joint;
is a consequence of; or
is a complication of treatment for;
a condition for which AIA has paid a claim under the original Severe Trauma Benefit.
the hand starts from the wrist joint;
the leg starts from the hip joint and ends at the ankle joint; and
Any two conditions that are both related conditions of a third condition will be treated as related conditions to each other for calculating the amount payable. Means mental deterioration and loss of intellectual ability, evidenced by deterioration in memory, orientation and reasoning, which are measurable and result from demonstrable organic cause as diagnosed by a specialist . The degree of cognitive impairment must be sufficiently severe to require a minimum of 16 hours of daily supervision by a nursing service approved by us. Determination of a cognitive impairment will be made on the basis of clinical data and valid standardised measures of such impairments. Means treatments, therapies or procedures intended to remove, reduce or cure cancer. It does not include treatments, therapies or procedures which are primarily intended to improve the quality of life or ease pain and suffering, but which are not curative. Personal effort using the life assured ’s time and skills, whether or not income is generated for the life assured . Worked and working have similar meaning.
the foot starts from the ankle joint.
significant cognitive impairment
medically necessary
A service or supply provided by a registered medical practitioner or specialist that AIA deems on reasonable grounds is necessary for the treatment of the disease, illness, or injury involved. Under no circumstances shall the following services or supplies be considered medically necessary:
Those services or supplies that do not require the skills or services of a registered medical practitioner or specialist ; and Those services or supplies provided mainly for the comfort or convenience of the life assured .
treatment modalities
pre-existing condition
Any disease or medical condition for which, prior to becoming covered under this policy, the individual consulted a registered medical practitioner , received treatment or services from a registered medical practitioner , or took prescribed drugs and medicines. Means the date the application for cover is received by AIA along with a valid payment instruction.
work
receipt of application
related condition
Any condition that AIA , in its sole discretion, deems to be directly or
1119 AL- ST version 1 Effective 14 November 2025
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