Permanent loss of use of limbs
of arc in the better eye; or
Full payment
a combination of visual defects resulting in the same degree of visual impairment as either of the points above.
The life assured , as a result of sickness or injury, permanently loses the use of: both hands; or both feet; or one hand and one foot; or one hand and the sight of one eye (to the extent of 6/60 or less); or one foot and the sight of one eye (to the extent of 6/60 or less).
Partial payment
Irrecoverable loss of sight in one eye 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 that eye; or field of vision is reduced to 20 degrees or less of arc; or a combination of visual defects resulting in the same degree of visual impairment as either of the points above. The benefit payable is 25% of the sum assured to a maximum of $100,000 across all Business AIA policies for the life assured . Only one claim can be made for this partial payment per life assured .
Partial payment
The life assured , as a result of sickness or injury, permanently loses the entire use of one limb .
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured . Only one claim can be made for this partial payment per life assured .
Quadriplegia/Tetraplegia
Total and permanent loss of function of both upper and lower limbs due to injury or disease of the spinal cord.
Permanent loss of hearing
Full payment
Total Permanent Disablement (Optional condition )
The life assured , as a result of sickness or injury, suffers severe hearing impairment in both ears, whether aided or unaided, resulting in an average hearing threshold in both ears of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss of hearing must be total and permanent.
A life assured has suffered Total Permanent Disablement if in AIA’s opinion the life assured before attaining age 65:
A. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity:
is completely unable to engage in the occupation, or carry on the business, he or she was involved in immediately before becoming incapacitated; and
Partial payment
The life assured , as a result of sickness or injury suffers severe hearing impairment in one ear, whether aided or unaided, resulting in an average hearing threshold in one ear of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss of hearing must be total and permanent. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured . Only one claim can be made for this partial payment per life assured .
for the three consecutive months after that incapacity began, has not worked in that occupation or carried on that business; and is, in AIA’s opinion, after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or she will ever be able to resume work in that occupation or carry on in that business; or
B. suffers by illness or accident the total and permanent loss of meaningful use of:
both feet (entire feet); or
Permanent loss of speech The life assured , as a result of sickness or injury suffers total and irreversible loss of speech. This loss must be established and the unequivocal diagnosis reaffirmed after a continuous period of three months of such loss by an appropriate specialist .
both hands (entire hands); or
the sight in both eyes (to the extent that visual acuity is reduced to 6/36 or less in the better eye and/or the field of vision is reduced to 10 degrees or less of arc in the better eye); or any combination of two of: a hand, a foot or sight in an eye (to the extent that visual acuity is reduced to 6/36 or less and/or the field of vision is reduced to 10 degrees or less of arc); or
1155 ALB-CC version 8 Effective 12 May 2026
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