What injuries are covered by AIA Living Specified Accidental Injury Cover? We understand that injuries can have varying recovery periods which may have different impacts on your life, so we have created specified injury categories that offer varying amounts of cover to support you through your recovery.
Specified Injury Categories The table below outlines the specified injury categories and the amount we will pay for each injury.
Specified Injury Categories
What we will pay in lump sum
Category A Fracture of jaw, skull, collarbone Fracture of forearm, wrist Fracture of hand (excluding fingers)
Fracture of thumb
One times the monthly benefit amount
Fracture of ankle, heel, fracture of leg below the knee (tibia or fibula)
Fracture of foot (excluding toes) Fracture of big toe Fracture of 3 or more ribs Amputation of any finger (including thumb) or big toe Category B Fracture of upper arm, elbow, shoulder
Fracture of vertebrae Fracture of kneecap
Two times the monthly benefit amount
Injury that results in a tear of the shoulder or knee that results in surgery under general anaesthesia Category C Fracture of leg above the knee (femur)
Fracture of the pelvis Fracture of the hip Fracture to multiple limbs Category D Amputation of the thumb and index finger of the same hand
Three times the monthly benefit amount
Full thickness burns (excluding hands) to 20% or more of the body surface
Six times the monthly benefit amount
Full thickness burns to 25% of the face or 50% of the surface of both hands
Permanent total blindness in one eye Category E Amputation or Permanent total loss of function of a foot or hand Amputation or Permanent total loss of function of one or more limbs Permanent total paralysis Permanent total blindness Permanent total loss of hearing
Twelve times the monthly benefit amount
Please refer to the policy document at aia.co.nz/saic
Specified Accidental Injury Cover
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