Table of conditions
Refer to Section 19 for the definition of each of these medical conditions , including the full description of the criteria and severity required to give rise to a claim.
90 day stand down period
90 day stand down period
Condition
Condition
Loss of independent existence
Cancer
-
Paraplegia
Cancer
-
Permanent blindness
Heart
✓
Permanent loss of hearing
Cardiomyopathy
-
-
Permanent loss of speech
Heart attack
-
✓
Permanent loss of use of limbs (including sight)
Primary Pulmonary hypertension
-
-
Quadriplegia / Tetraplegia
Major neurological disease
-
Other key conditions
Alzheimer’s disease
-
Advanced AIDS
-
Coma
-
Advanced diabetes
Creutzfeldt-Jakob disease
✓
-
Aplastic anaemia
Dementia
-
-
Chronic liver failure
Encephalitis
✓
-
Chronic lung disease
Idiopathic Parkinson’s disease
✓
-
Chronic renal failure
Major head trauma
-
-
Cognitive impairment
Meningitis
-
-
Intensive care
Motor neurone disease
-
-
Major transplant surgery
Multiple sclerosis
-
✓
Severe burns
Muscular dystrophy
-
-
Systemic sclerosis
Peripheral neuropathy
-
-
Terminal illness
Stroke
-
✓
Optional condition (not applicable to the Built- in Children’s Trauma Benefit)
Paralysis and loss of functionality
Diplegia
-
Total Permanent Disablement
-
Hemiplegia
-
If you receive a payment for a claim that reduces the sum assured for a life assured to nil under this Severe Trauma Benefit, cover will cease for that life assured .
If the life assured suffers more than one condition (including the Optional Total Permanent Disablement condition ), AIA will pay a maximum of the Severe Trauma Benefit sum assured for all claims (in total).
1119 AL- ST version 1 Effective 14 November 2025
Page 2 of 18
Powered by FlippingBook