21. Key terms
or a registered medical practitioner approved by AIA considers necessary.
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):
Any other information that AIA may deem relevant to the assessment of the claim.
For advice about submitting a claim you can phone AIA on 0800 500 108 or your Adviser. Find claim information online at aia.co.nz
activities of daily living
Bathing and showering;
Dressing and undressing;
Eating and drinking;
Using a toilet;
Moving from place to place by walking, in a wheelchair, or with a walking aid.
balance of the sum assured
The amount of the sum assured remaining under each category after deduction of all claim payments already made under that category to date. Washing - The ability to wash oneself without physical assistance or supervision. This includes transferring in and out of the bath or shower. Dressing - The ability to independently put on or take off 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.
basic activity of daily living
Mobility - The ability to move independently between indoor
1156 ALB-PC version 7 Effective 12 May 2026
Page 11 of 31
Powered by FlippingBook