Pacemaker Insertion
Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.
The permanent insertion of an artificial pacemaker to correct an abnormal rhythm of the heart.
A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 5 times the 99 th percentile of the upper reference limit. If the above evidence is inconclusive or superseded by technological advances, we will consider other appropriate and medically recognised tests that unequivocally diagnose that a myocardial infarction of the degree of severity or greater as outlined above has occurred.
The abnormal rhythm of the heart must have been documented on electrocardiograph (ECG) and be available to us. The benefit payable is 25% of the sum assured to a maximum of $10,000 across all Business AIA policies for the life assured.
The benefit is not payable if the life assured satisfies the criteria for a claim payment under another heart condition across all Business AIA policies.
Other acute coronary syndromes including but not limited to angina pectoris are excluded.
Pulmonary hypertension
Heart valve surgery
Primary pulmonary hypertension with substantial right ventricular enlargement established by investigations including cardiac catheterisation.
Full payment The undergoing of heart valve surgery performed to replace or repair one or more heart valves that cannot be repaired by intra-arterial procedures.
Major neurological disease
Partial payment The undergoing of a heart valve replacement or repair. Heart Valve Replacement means the actual undergoing of thoracoscopic, laparoscopic, valvotomy, catheter or minimally invasive surgery to treat or repair a cardiac valve as a consequence of heart valve defects or abnormalities. Each surgery to treat or repair the cardiac valve must occur at least six months after the previous cardiac surgery. Investigative or diagnostic procedures are specifically excluded. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured . Out-of-hospital cardiac arrest Cardiac arrest not associated with any medical procedure, that occurs out of hospital, and is due to cardiac asystole, or ventricular fibrillation with or without ventricular tachycardia, documented by:
The life assured has suffered or undergone one of the following conditions :
Alzheimer’s disease The unequivocal diagnosis of Alzheimer’s disease, which must confirm permanent irreversible failure of brain function. The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics.
Benign brain or spinal cord tumour
Full payment
A benign tumour of the brain or spinal cord which:
a. results in neurological or spinal (as appropriate) damage and functional impairment which an appropriate s pecialist deems to be permanent; or b. is deemed appropriate and medically necessary to be: - treated using major interventional treatment necessary for the therapeutic management of the tumour; or - removed through surgery (whether it is able to be removed or not). The presence of the underlying tumour must be confirmed by imaging studies such as a CT or MRI scan.
an electrocardiogram (ECG), or any other appropriate diagnostic test; or
other evidence which unequivocally confirms a cardiac arrest, including but not limited to:
− defibrillation recorded by an Automated External Defibrillator (AED) or ambulance or hospital medical records; or − documented administration of cardiopulmonary resuscitation (CPR) provided by an attending ambulance officer or hospital clinical staff.
Excluded are:
malformations in or of the arteries or veins of the brain, cysts, granulomas or haematomas; and
pituitary gland tumours, unless in the opinion of an appropriate specialist an open craniotomy to remove it is medically necessary .
1155 ALB-CC version 8 Effective 12 May 2026
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