Severe Trauma Offers essential protection for serious health events. It’s ideal if you’re looking for affordable cover focused on higher severity conditions. There are no partial payments in Severe Trauma.
Eligible ages
Three months - 70 years old
Maximum cover amount
Age three months – 15 years: $250,000, Age 16+: $2,000,000
What conditions are covered? The below table provides a high-level overview of conditions covered.
* Certain conditions have a stand down period. There is no cover under the policy if you suffer any of these conditions (or signs or symptoms which lead to these conditions) within the first 90 days of the receipt of application by AIA. For details of each condition please refer to the policy wording or speak to your Adviser.
Medical condition
Optional total permanent disablement condition
Advanced AIDS
Diplegia
Advanced diabetes*
Encephalitis
Paraplegia
Alzheimer’s disease
Heart attack*
Peripheral neuropathy
Aplastic anaemia
Hemiplegia
Permanent blindness*
Cancer*
Idiopathic Parkinson’s disease
Permanent loss of hearing
Cardiomyopathy
Intensive care benefit
Permanent loss of speech
Permanent loss of use of limbs (including sight)
Chronic liver failure*
Loss of independent existence
Chronic lung disease*
Major head trauma
Primary pulmonary hypertension
Chronic renal failure
Major transplant surgery
Quadriplegia/Tetraplegia
Cognitive impairment
Meningitis
Severe burns
Coma
Motor neurone disease
Stroke*
Creutzfeldt-Jakob disease
Multiple sclerosis*
Systemic sclerosis
Dementia
Muscular dystrophy
Terminal illness
How Critical Conditions and Severe Trauma insurance can work together
Mary’s claim journey
Understand your cover It’s important to understand that while a medical condition might be covered under multiple products, the definition, severity level and claim requirements can differ between them. Always refer to the specific policy wording to ensure clarity on what’s covered and how.
Mary holds both Critical Conditions and Severe Trauma insurance. She is diagnosed with breast cancer. Her claim is accepted and she receives a partial claim payment under the Carcinoma-in-situ benefit on her Critical Conditions policy. Weeks later and following her specialist’s advice, Mary underwent a full mastectomy. This qualified her for an additional payment under Critical Conditions under the Carcinoma-in-situ radical surgery benefit, bringing her total payout to the full sum assured. Later, her cancer progresses and metastasizes. When no further treatment is an option, Mary received a further full claim payment under the cancer definition under the Severe Trauma benefit, providing her with financial support during an extremely difficult time.
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