Dementia
Neurological or spinal damage and functional impairment include but are not limited to: intracranial pressure such as papilledema, mental symptoms, seizures, sensory impairment, memory loss, impaired speech, vision loss, and paralysis on one side of the body.
Full payment
The unequivocal diagnosis of dementia. The diagnosis must confirm permanent irreversible failure of brain function and result in significant cognitive impairment for which no other cause has been identified. Significant cognitive impairment means a deterioration or loss of intellectual capacity that results in a requirement for continual supervision to protect the life assured or others. The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics.
Partial payment
Unequivocal diagnosis of a benign intracranial or spinal cord tumour by an appropriate specialist .
Excluded are:
malformations in or of the arteries or veins of the brain, cysts, granulomas, haematomas; and
Partial payment
tumours on the pituitary gland.
The unequivocal diagnosis of dementia. The diagnosis must confirm permanent irreversible failure of brain function. The diagnosis is confirmed by an appropriate specialist in psychogeriatric, psychiatry, neurology or geriatrics.
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured .
Cerebral Aneurysm A cerebral aneurysm of any size where the intracranial aneurysm is confirmed by an appropriate specialist and has been treated surgically via clipping or endovascular surgery.
The benefit payable is:
25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured if the unequivocal diagnosis occurs before the life assured is 60 years of age; or
This requires evidence of:
acute onset of new objective neurological signs and symptoms; and evidenced by neuro-imaging changes consistent with the signs and symptoms. Only one claim can be made for this partial payment per life assured for the duration of this policy, regardless of the number of cerebral aneurysms suffered. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured . Coma A definite diagnosis of a state of unconsciousness resulting in the following for at least 72 hours:
25% of the sum assured to a maximum of $10,000 across all Business AIA policies for the life assured if the unequivocal diagnosis occurs after the life assured is 60 years of age.
Encephalitis
Full payment
The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living .
a documented Glasgow Coma Score of 7 or less; and
the use of a life support system.
Coma arising from drug and alcohol abuse is specifically excluded.
Partial payment
The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by AIA . Encephalitis arising from drug and alcohol abuse is 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.
Creutzfeldt-Jakob disease The diagnosis of Creutzfeldt-Jakob disease confirmed by an appropriate specialist neurologist. The life assured must exhibit signs and symptoms of cerebellar dysfunction, severe progressive dementia, uncontrolled muscle spasm, tremor and athetosis, resulting in the life assured requiring permanent and continual medical supervision.
1155 ALB-CC version 8 Effective 12 May 2026
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