a.
Children’s Critical Conditions Benefit
the condition or has any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) within 12 months after the risk commencement date .
What is the Children’s Critical Conditions Benefit?
AIA will pay a Children’s Critical Conditions Benefit if a child of a life assured suffers one of the applicable conditions listed in Section 1 of this appendix .
What pregnancy complication conditions are covered?
This Benefit is only payable if the child of the life assured :
Disseminated intravascular coagulation.
Eclampsia.
first suffers a condition after the risk
commencement date , subject to the three month stand down period provisions where these apply; is aged from three months up to their 21 st birthday at the time he or she first suffers from that condition ; and survives for at least 14 days after suffering from the condition . AIA will pay a maximum of one claim for a child under the Children’s Critical Conditions Benefit across all AIA policies for a life assured . In cases where two policies each name a distinct parent of the child as a life assured , both policies are eligible to claim under the Children’s Critical Conditions Benefit for that child , provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies.
Hydatidiform mole.
See Section 22 for a full description of these conditions. How much will AIA pay for the Pregnancy Complications Benefit?
The Benefit payable is $10,000.
Payment of the Pregnancy Complications Benefit will not reduce the Critical Conditions Benefit.
c. Children’s Congenital Conditions Benefit
When is the Children’s Congenital Conditions Benefit payable?
This Benefit is payable if at least 12 months after the risk commencement date a child of a life assured is unequivocally diagnosed by an appropriate specialist and undergoes treatment or therapy for one of the congenital conditions listed below.
What are the applicable conditions and how much will AIA pay?
For those conditions where the criteria for a full payment are met as detailed in Section 20 below, the Benefit payable is the lower of $75,000 or 50% of the Critical Conditions Benefit sum assured. No payments are made under this Benefit for the Optional Total Permanent Disablement condition or any of the conditions where a partial payment applies, except for the following conditions :
What congenital conditions are covered?
Coarctation of the Aorta.
Infantile Hydrocephalus.
Anal atresia.
Oesophageal atresia.
Congenital diaphragmatic hernia.
Angioplasty – less than 3 vessels.
Tracheo-oesophageal fistula.
Carcinoma-in-situ.
Truncus arteriosis.
For these conditions , the Benefit payable is the lower of $75,000 or 10% of the Critical Conditions Benefit sum assured. Before cover for a child can commence under the Children’s Critical Conditions Benefit, you must advise us in writing of the child’s name, date of birth and gender. Cover for a child will only commence once we have confirmation of the child’s details in writing.
Retinopathy of prematurity.
How much will AIA pay for the Children’s Congenital Conditions Benefit?
The Benefit payable is $5,000, regardless of the number of congenital conditions diagnosed. AIA will pay a maximum of one claim for a child under the Children’s Congenital Conditions Benefit across all AIA policies for a life assured . In cases where two policies each name a distinct parent of the child as a life assured , both policies are eligible to claim under the Children’s Congenital Conditions Benefit for that child , provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies.
b. Pregnancy Complications Benefit
When is a Pregnancy Complications Benefit payable?
This Benefit is payable if a life assured for the Critical Conditions Benefit suffers for the first time and at least 12 months after the risk commencement date one of the defined pregnancy complication conditions .
Payment of the Children’s Congenital Conditions Benefit will not reduce the Critical Conditions Benefit.
AIA will not pay this benefit if the life assured suffers
1155 ALB-CC version 8 Effective 12 May 2026
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