Critical Conditions
Progressive Care
Newborn children Financial support if the child is born with one of eight specified congenital conditions and survives 30 days.
The lower of $50,000 or 50% of the sum assured
The lower of $50,000 or 50% of the sum assured
Parents grieving Financial support if your child passes away.
Under 10: $2,000 Age 10 to 20: $15,000
Under 10: $2,000 Age 10 to 20: $15,000
Children’s trauma conversion facility When your child turns 21, the Built-in Children’s Trauma Benefit and/or Optional Children’s Maternity Benefit (where applicable), can be converted to an adult trauma insurance policy. This can be done on a standalone basis or accelerated with the same amount of Life Cover, without any further medical evidence required, provided there is no increase in cover. Worldwide cover Whether you’re at home, travelling or living overseas for any period, you remain insured. Suspension of cover AIA provides the flexibility to suspend your cover for up to 12 months, if you meet the conditions outlined in the policy wording. No benefits will be payable for any claim event which occurs during this suspension period. Enhancement pass back At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy wording and apply the most favourable option for your claim. For more information visit aia.co.nz/passbacks.
Optional add-ons Early cancer upgrade
The lower of $75,000 or 25% of the sum assured at the date the optional benefit commenced
Covers costs for a number of minor cancer conditions that are treatable and non- life threatening and at early stages of diagnosis. Payable once per life assured across all AIA policies. Critical conditions buy-back Reinstate your level of cover under your original AIA Living Critical Conditions policy, without having to provide further medical information. Life cover buy-back Reinstate your level of cover under your original AIA Living Life Cover policy following an accelerated Critical Conditions claim, without having to provide further medical information. Total permanent disablement condition Provides cover for an additional condition if you were to become totally and permanently disabled as a result of accident or illness and you are unlikely to be able to work in your own occupation again. Children and maternity Provides limited cover for three defined serious pregnancy complications, eight listed children’s congenital conditions and defined critical conditions suffered by a child. Refer to the policy wording for details. Waiver of premium Remove the burden of paying premiums when you are unable to work due to total disability.
The lower of $75,000 or 50% of the sum assured
The lower of $75,000 or 50% of the sum assured
This is a summary only. For all terms, conditions, limits and exclusions, please refer to the relevant policy wordings which can be found on aia.co.nz or speak to your adviser.
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