Means mental deterioration and loss of intellectual ability, evidenced by deterioration in memory, orientation and reasoning, which are measurable and result from demonstrable organic cause as diagnosed by a specialist . The degree of cognitive impairment must be sufficiently severe to require a minimum of 16 hours of daily supervision by a nursing service approved by us. Determination of a cognitive impairment will be made on the basis of clinical data and valid standardised measures of such impairments.
significant cognitive impairment
Those services or supplies that do not require the skills or services of a registered medical practitioner or specialist ; and Those services or supplies provided mainly for the comfort or convenience of the life assured.
pre-existing condition
Any disease or medical condition for which, prior to becoming covered under this policy, the individual consulted a registered medical practitioner , received treatment or services from a registered medical practitioner , or took prescribed drugs and medicines.
AIA policies
Any policy or policies where AIA is the insurer.
receipt of application
Means the date the application for cover is received by AIA along with a valid payment instruction.
sum assured
The ‘Sum Assured’ shown in the schedule for the Progressive Care Benefit. This includes any increase by the consumers price index if your benefit indexation type is specified in the schedule as CPI Linked. As defined in the ‘Guides to the Evaluation of Permanent Impairment – 4th Edition’ (or subsequent editions), produced by the American Medical Association and measured six months beyond initial diagnosis. Personal effort using the life assured ’s time and skills, whether or not income is generated for the life assured . Worked and working have similar meaning.
related condition
Any condition that AIA , in its sole discretion, deems to be directly or indirectly related to a previous claim's condition .
whole person functioning
This includes:
any increase in severity level of the same condition ; and any condition that is a recognised outcome and/or complication of a previous claim or a recognised complication of any
Work
treatment administered in relation to a previous claim. Any two conditions that are both related conditions of a third condition will be treated as related conditions to each other for calculating the amount payable. The Schedule of related conditions detailed in Section 23 outlines some of the conditions that are deemed to be related conditions of other conditions . The list is not exhaustive.
1156 ALB-PC version 7 Effective 12 May 2026
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