symptoms or signs leading to the cancer condition (whether or not a registered medical practitioner has been consulted) within three months after the date cover commences under the Optional Early Cancer Upgrade Benefit. The Optional Early Cancer Upgrade Benefit does not apply to children of the life assured covered under the Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit. Only one claim per life assured can be made under the Optional Early Cancer Upgrade Benefit. The Optional Early Cancer Upgrade Benefit will cease once a claim is paid and your premiums will reduce accordingly. If at claim time, the life assured does not have a base Critical Conditions Benefit, no Optional Early Cancer Upgrade Benefit will be payable and any premiums paid for the Optional Early Cancer Upgrade Benefit after the base Critical Conditions Benefit has been cancelled will be refunded to the policy owner . The life assured’s Optional Early Cancer Upgrade Benefit sum assured under this policy is shown in the schedule and is subject to the following maximums: a. 25% of the Critical Conditions Benefit sum assured at the date cover under the Optional Early Cancer Upgrade Benefit first commences for the life assured ; and
Ovary.
Fallopian tube: tumour limited to tubal mucosa.
The Optional Early Cancer Upgrade Benefit also covers the following cancers:
Chronic lymphocytic leukaemia: where there must be the presence of chronic lymphocytic leukaemia which is histologically described as at least RAI Stage 0. Malignant melanoma which is determined by histological examination to be less than Clark Level 3 depth of invasion, and less than 1.0mm maximum thickness as measured using the Breslow method, and shows no evidence of ulceration. Malignant tumour of the prostate histologically described as TNM classification T1 or has a Gleason score of 5 or less for which treatment is not considered medically necessary , and undertaken by an appropriate specialist to arrest the spread of malignancy including but not limited to prostatectomy, chemotherapy, radiotherapy, or surgery.
The Optional Early Cancer Upgrade Benefit will cease when cover under the Critical Conditions Benefit ceases.
Where the life assured has the Optional Critical Conditions Buyback Benefit, the Optional Early Cancer Upgrade Benefit can be reinstated in addition to their Critical Conditions Buyback Benefit, subject to the life assured satisfying the terms of the Optional Critical Conditions Buyback Benefit. The Optional Critical Conditions Buyback Benefit cannot be used to reinstate the Optional Early Cancer Upgrade Benefit following a claim payment under the Optional Early Cancer Upgrade Benefit.
b. $75,000 per life assured across all AIA policies .
The sum assured amount is calculated when cover under the Optional Early Cancer Upgrade Benefit first commences for the life assured under this policy and does not change with any subsequent changes that increase or decrease the life assured’s Critical Conditions Benefit sum assured, such as: annual indexation increases after the date cover commences under the Optional Early Cancer Upgrade Benefit;
13. Optional Total Permanent Disablement condition
cover added using the Optional Business Safeguard Facility;
reductions in the Critical Conditions Benefit sum assured due to voluntary reduction or due to a partial payment claim. Payment of the Optional Early Cancer Upgrade Benefit may be in addition to any other payments made under this policy. Payment of the Optional Early Cancer Upgrade Benefit will not reduce the Critical Conditions Benefit sum assured. The Optional Early Cancer Upgrade Benefit covers carcinoma-in-situ of the following sites and is defined as a focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue. ‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane. The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0:
The Optional Total Permanent Disablement condition applies only if shown in the schedule and, subject to the provisions of this appendix , is included as a full payment condition under the Critical Conditions Benefit. The Optional Total Permanent Disablement condition does not apply to any child of a life assured covered under the Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit.
The Optional Total Permanent Disablement condition does not apply once the life assured attains age 65.
14. Optional Children’s and Maternity Benefit
The Optional Children’s and Maternity Benefit applies only if shown in the schedule .
The Benefit is payable in addition to any Benefit payable under the Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit.
Breast.
Cervix.
Vagina.
Vulva.
1155 ALB-CC version 8 Effective 12 May 2026
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