becoming responsible for the full-time care or payment for long term care of a close relative ;
You must make the request within 60 days either side of the relevant special event and provide AIA with suitable evidence of the occurrence of the event. A life assured is only eligible for Special Events Increases where the special event occurs from the age of 16 and before age 55. If, at any time before you seek to exercise the Facility, a claim for the life assured had been accepted by us or notified to us, AIA will have discretion in determining whether the Facility can be exercised. In exercising discretion, we will consider whether, based on the medical evidence submitted in support of the claim, the life assured represents an increased risk of claim for the benefit being added under this Facility.
receiving an annual salary increase (this special event is not available to a life assured who is self-employed); or
experiencing the death of a spouse, civil or de facto partner,
you may write to AIA asking us to increase the Severe Trauma Benefit for that life assured .
What is the maximum cover that can be added?
The maximum increase for each special event cannot exceed the lower of: 50% of the original Severe Trauma Benefit for the life assured ; or
Only one of the following is available in any 12 month period:
$250,000.
A Severe Trauma Future Insurability Benefit increase (see Section 9 below).
−
The total of all increases made under this Facility cannot exceed the lower of: 100% of the original Severe Trauma Benefit for the life assured ; or
− A Special Events Increase under a Critical Conditions Benefit, Severe Trauma Benefit or Progressive Care Benefit.
(If applicable) exercising the Special Events TPD/Trauma Facility under the Life Cover Benefit and/or similar benefits to add an accelerated Critical Conditions Benefit, accelerated Severe Trauma Benefit or an accelerated Progressive Care Benefit.
−
$750,000.
In the case of taking out or increasing a home loan, the individual increase cannot exceed the amount of the home loan or the increase in the home loan. In the case of an annual salary increase, the individual increase cannot exceed five times the annual salary increase. The maximum increases outlined above each apply in respect of all Critical Conditions Benefits, Severe Trauma Benefits, Progressive Care Benefits, and similar benefits for that life assured across all AIA policies . Both of the following maximum sum assured limits also apply across all AIA policies for each life assured : the total of the sum assured for all Critical Conditions Benefits, Severe Trauma Benefits, Progressive Care Benefits, and similar trauma benefits (combined), including increases under this Facility must not exceed $2,000,000; and the total of the sum assured for all trauma benefits combined must not exceed $2,000,000 and the total sum assured for all trauma and Total Permanent Disablement Benefits (and similar benefits) combined must not exceed $5,000,000.
AIA will increase the Severe Trauma Benefit for a life assured from the date we accept your request.
Each increase will require an increase in premium . This increase will be calculated on the rates applicable at the time the Built-in Special Events Increase Facility is exercised. Any loadings, exclusions or special terms on the original Severe Trauma Benefit sum assured will be applied to the increased amount. If you have the Optional Severe Trauma Buyback Benefit or the Optional Life Cover Buyback Benefit selected on the policy for your original Severe Trauma Benefit, you can choose to add these benefits to the portion of the increased sum assured when you exercise the Special Events Increase Facility.
When will AIA not pay a claim for an increase under this Facility?
a.
Increases in sum assured added to this policy
After an increase under this Facility has been made, AIA will not pay the increased benefit amount if, before the increase, or within six months of the Facility being exercised, the life assured :
What are the other conditions applying to this Facility?
You do not need to produce any medical evidence regarding the life assured when you request this increase, but any Special Events Increase is subject to the following conditions:
suffers any condition for the first time other than due to an accident under the Severe Trauma Benefit; or
has any symptoms or signs leading to a condition
1119 AL- ST version 1 Effective 14 November 2025
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