Idiopathic Parkinson’s disease The unequivocal diagnosis of Idiopathic Parkinson’s disease as confirmed by an appropriate specialist .
infarction of brain tissue; or
intracranial or subarachnoid haemorrhage.
Excluded from this definition are transient ischaemic attacks (TIA), cerebral symptoms due to migraine, cerebral injury from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions.
Major head trauma An accidental cerebral injury 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 . Major head trauma arising from drug and alcohol abuse is specifically excluded. Meningitis The diagnosis of meningitis 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 .
Paralysis and loss of functionality
The life assured has suffered or undergone one of the following conditions :
Diplegia Total and permanent loss of function of both arms or both legs due to injury or disease of the spinal cord.
Hemiplegia Total and permanent loss of function of one side of the body due to brain injury or disease.
Motor neurone disease The unequivocal diagnosis of motor neurone disease diagnosed by an appropriate specialist approved by AIA .
Loss of independent existence The life assured is totally and irreversibly disabled, with the effect that he or she is unable, as a result of sickness or injury, to perform without the physical assistance of someone else at least two of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment AIA will treat the life assured as being able to perform that activity):
Multiple sclerosis The unequivocal diagnosis of multiple sclerosis as confirmed by an appropriate specialist . Multiple sclerosis means a disease characterised by demyelination in the brain and/or spinal cord. There must be more than one episode of well-defined neurological deficit with persisting neurological abnormalities. Neurological investigations such as lumbar puncture, MRI (Magnetic Resonance Imaging) evidence of lesions in the central nervous system, evoked visual responses, and evoked auditory responses are required to confirm diagnosis.
Bathing and showering.
Dressing and undressing.
Eating and drinking.
Using a toilet.
Moving from place to place by walking, in a wheelchair, or with a walking aid.
Alternatively, the life assured is unable to perform one of the above and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires full-time care .
Muscular dystrophy The unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate specialist approved by AIA .
Paraplegia Total and permanent loss of function of both legs due to injury or disease of the spinal cord.
Peripheral neuropathy Irreversible inflammation or degradation of a peripheral nerve, 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 . Stroke A cerebrovascular event producing neurological deficit. This requires clear evidence on CT, MRI (Magnetic Resonance Imaging) or similar appropriate scan or investigation that a stroke has occurred. This requires evidence of:
Permanent blindness
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Irrecoverable loss of sight of both eyes as a result of sickness or injury. This is evidenced by:
visual acuity on the Snellan Scale after correction by suitable lenses is less than 6/60 in both eyes; or
field of vision is reduced to 20 degrees or less
1155 ALB-CC version 8 Effective 12 May 2026
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