means other than organ transplant, as confirmed by an appropriate specialist .
and the life assured is unable to perform at least one basic activity of daily living for a continuous period of 90 days from first being admitted into the intensive care unit or high dependency unit (as applicable) as certified by an appropriate specialist .
Pneumonectomy The life assured has undergone surgery to remove an entire lung. The treatment must be considered medically necessary by an appropriate specialist .
A medical condition arising from alcohol or drug abuse or other self-inflicted means is specifically excluded.
Severe burns
This Benefit does not apply to any condition specifically excluded in this policy or where an underwriting exclusion has been applied.
Full payment The life assured has suffered severe tissue injury caused by thermal, electrical or chemical agents. As a result, the life assured has full thickness or third-degree burns to: at least 20% of the body surface area (as measured by age-appropriate use of The Rule of 9 or the Lund and Browder Body Surface Chart); or
Severe osteoporosis The life assured has been unequivocally diagnosed by an appropriate specialist as suffering from severe osteoporosis. The diagnosis must confirm that the life assured :
suffers at least two vertebral body fractures or a fracture of the neck of the femur, due to osteoporosis; and
50% of both hands, requiring surgical debridement and/or grafting; or
has a bone mineral density reading with a T-score of less than -2.5 (i.e. 2.5 standard deviations below the young adult mean for bone density). This must be measured in at least two sites by dual energy x-ray absorptiometry (DEXA). No benefit is payable in cases where there are spontaneous fractures or minimal traumas that are due to an accident but where coincidental osteoporosis exists.
25% of the face, requiring surgical debridement and/or grafting.
Partial payment The life assured has suffered severe tissue injury caused by thermal, electrical or chemical agents. As a result, the life assured has full thickness or third-degree burns to:
both hands, requiring surgical debridement and grafting; or
The benefit payable is:
25% of the sum assured up 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 50 years of age; or 25% of the sum assured up 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 over 50 years of age. Severe rheumatoid arthritis The life assured has been unequivocally diagnosed by an appropriate specialist as suffering from clinically severe rheumatoid arthritis persisting for at least six weeks.
the face, requiring surgical debridement and grafting.
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured .
Severe Crohn’s disease A life assured has been unequivocally diagnosed with Crohn’s disease that requires permanent immunosuppressive medication or as a result of the diagnosis has undergone a surgical procedure to remove the entire large bowel. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business AIA policies for the life assured .
The diagnosis must be supported by:
a. evidence that at least three or more of the following joints are affected:
Severe illness or injury
Metacarpophalangeal joints in the hands;
If the life assured suffers a medical condition that does not satisfy any condition leading to either a full or partial claim under this policy and it is deemed medically necessary to:
Proximal interphalangeal joints in the hands;
Metatarsophalangeal joints in the wrist, elbow, foot, knee, or ankle; and
undergo major invasive surgery ; or
be treated using major interventional treatment ;
b. positive rheumatoid serology or other appropriate diagnostic test evidencing rheumatoid arthritis, together with evidence confirming at least three of the following criteria:
which results in: – a stay in an intensive care unit for a period greater than 48 continuous hours; or – a stay in a high dependency unit for a period greater than 96 continuous hours;
Simultaneous bilateral and symmetrical joint soft
1155 ALB-CC version 8 Effective 12 May 2026
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