Progressive Care Progressive Care cover can help provide multiple payments linked to the severity of the illness or injury, with more severe conditions receiving a larger payment. Progressive Care is designed to support you when you need it most, not just once.
Maximum cover amount
Three months - 70 years old
Eligible ages
Age three months – 15 years: $250,000, Age 16+: $1,500,000
What conditions are covered? Below is a table that details how each level pays out across the five categories depending on the level of severity.
CANCER
HEART AND ARTERIES
BRAIN AND NERVES
LOSS OF FUNCTION
OTHER HEALTH EVENTS
100%
100%
100%
100%
100%
75%
75%
75%
75%
75%
50%
50%
50%
50%
50%
25% 10%
25% 10%
25% 10%
25%
25%
CANCER Bone marrow or stem cell transplant CIN-3, VIN-3, PIN-3 Malignant brain tumour Myeloma 90 day stand down period* Aplastic anaemia Benign brain or spinal cord tumour Carcinoma in situ Hodgkin's Lymphoma Leukaemia Malignant melanoma Malignant tumour Myelodysplastic syndrome Non-Hodgkin's Lymphoma Prostate cancer Transplant waiting list for bone marrow transplant Urinary bladder cancer
OTHER HEALTH EVENTS Acute renal dialysis Advanced AIDS Advanced Type 1 diabetes Major organ transplant (or transplant waiting list) Pneumonectomy Primary pulmonary hypertension Systemic lupus erythematosus with lupus nephritis Systemic sclerosis
BRAIN AND NERVES Dementia and Alzheimer's disease Encephalitis Major head trauma Meningitis Motor neurone disease
Muscular dystrophy Parkinson's disease Peripheral neuropathy 90 day stand down period*
Cerebral aneurysm Multiple sclerosis Stroke
90 day stand down period* Advanced Type 2 diabetes Chronic kidney failure
Chronic liver failure Chronic lung failure Chronic obstructive pulmonary disease
LOSS OF FUNCTION Coma Intensive care benefit Loss of hearing Loss of independent existence Loss of limbs Loss of sight in one eye and one limb Loss of speech Optional Total Permanent Disablement condition Paralysis - Diplegia and Hemiplegia Paraplegia/Quadriplegia/Tetraplegia
Removal of large bowel Severe Crohn's disease Severe illness or injury Severe osteoporosis Severe rheumatoid arthritis Severe ulcerative colitis Type 1 diabetes
HEART AND ARTERIES Cardiomyopathy Out of hospital cardiac arrest
Severe congestive cardiac failure Severe peripheral vascular disease 90 day stand down period* Angioplasty Aortic surgery Coronary artery bypass graft Defibrillator insertion Heart attack Heart valve surgery Minor heart valve surgery Pacemaker insertion
*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.
Severe burns/Major burns 90 day stand down period* Loss of sight
Trauma Insurance
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