23. Key terms
rooms on a level surface with the assistance of a walking aid, including a wheelchair. Transferring - The ability to independently transfer from the bed to a chair with the assistance of a walking aid. A treatment, illness, surgical procedure or event, as specified in this appendix , which meets the specified definition.
accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event. The total and irreversible disablement of the life assured with the effect that he or she is unable to perform without the physical assistance of someone else, at least one 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):
activities of daily living
condition(s)
congenital condition
A health anomaly or defect, regardless of whether diagnosed or not:
which is present at birth; and
for which the individual had signs or symptoms within three months of birth.
Bathing and showering;
Dressing and undressing;
Includes health anomalies or defects inherited or due to external environmental factors such as drugs, alcohol, or complications during pregnancy or delivery. The later of the effective date or the actual date from which we receive the increased premium for the Life Cover Benefit and Accelerated Critical Conditions Benefit cover. Care for 16 hours per day or more, provided by a nursing service approved by AIA whose profession it is to provide nursing services. Working to generate income through personal efforts by using the life assured ’s time and skills. He or she can be self-employed, employed, earning fees, under contract, receiving commissions, working on contract or otherwise remunerated for his or her efforts. A specially staffed and equipped section of an intensive care complex that provides a level of care intermediate between intensive care and general ward care. Patients may be admitted to the high dependency unit:
Eating and drinking;
Using a toilet;
Moving from place to place by walking, in a wheelchair, or with a walking aid.
date of conversion
appropriate carer
A medically qualified carer, or caring full time for a person who would need hospital, rest home or residential care. Washing - The ability to wash oneself without physical assistance or supervision. This includes transferring in and out of the bath or shower.
basic activity of daily living
full-time care
Dressing - The ability to independently put on or take off
gainful employment
all garments, including the securing and unfastening
thereof. Where appropriate, this includes any braces, prosthesis or other surgical appliance. Feeding / eating - The ability to eat independently once food has been prepared and made available. Continence - The ability to manage bowel and bladder functions such that an adequate level of personal hygiene can be maintained.
high dependency unit
Mobility - The ability to move independently between indoor
from the intensive care unit as a step-down prior to
1155 ALB-CC version 8 Effective 12 May 2026
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