(whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the Severe Trauma Benefit.
b. 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.
b.
Increases in sum assured issued as an additional new policy
Where this Severe Trauma Benefit is shown in the schedule as accelerated against the Life Cover Benefit, the Severe Trauma Benefit, including the total of all Severe Trauma Future Insurability Benefit increases, cannot exceed the sum assured of the Life Cover Benefit. See Section 2 ‘ What effect does payment of an accelerated Severe Trauma Benefit have on the Life Cover Benefit ’ for details. A life assured is only eligible for Severe Trauma Future Insurability Benefit increases from the age of 16, and before age 55.
Where this policy or any part of the sum assured under it, has been issued as the result of an increase under the Built- in Special Events Increase Facility, then: the Special Events Increase Facility will not be available under this policy for the proportion of the sum assured that represents the increase; AIA will not pay the increased benefit amount if, before the increase, or within six months of the increase, the life assured : − 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 (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the Severe Trauma Benefit.
AIA will increase the Severe Trauma Benefit for a life assured from the date we accept your request.
If, at any time before you seek to exercise an increase under this Benefit, a claim for the life assured had been accepted by us or notified to us, AIA will have discretion in determining whether the increase will be accepted. In exercising discretion, we will consider, based on the medical evidence submitted in support of the claim, whether the life assured represents an increased risk of claim for the cover being added under this Benefit. Only one of the following is available in any 12 month period: − A Built-in Critical Conditions or Severe Trauma Future Insurability Benefit increase; − A Special Events Increase under a Critical Conditions Benefit, Severe Trauma Benefit or Progressive Care Benefit; or
9.
Built-in Severe Trauma Future Insurability Benefit
At every third policy anniversary date you may write to AIA asking us to increase the Severe Trauma Benefit for a life assured . You do not need to produce any medical evidence regarding the life assured when you request this increase, but any increase in sum assured under this Benefit is subject to the following conditions: You must request the increase by providing written advice to AIA within 60 days either side of the applicable anniversary date . Outside of this time frame, the Severe Trauma Future Insurability Benefit is not available. Each individual increase cannot exceed 20% of the original Severe Trauma Benefit sum assured or $200,000, whichever is the lesser.
(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.
−
Each Built-in Severe Trauma Future Insurability Benefit increase in sum assured will require an increase in premium . This increase will be calculated on the rates applicable at the time the Built-in Severe Trauma Future Insurability Benefit 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 Built-in Severe Trauma Future Insurability Benefit.
The total of all Severe Trauma Future Insurability Benefit increases for a life assured cannot exceed 100%
of the original Severe Trauma Benefit for that life assured or $500,000, whichever is the lesser.
Both of the following maximum sum assured limits also apply across all AIA policies for each life assured : a. 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 Benefit must not exceed $2,000,000; and
1119 AL- ST version 1 Effective 14 November 2025
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