22. Schedule of related conditions
The table below sets out some of the conditions that AIA deems to be related conditions to earlier conditions suffered by the life assured .
This list of related conditions is not exhaustive.
Condition for which a claim was paid
Related condition of a subsequent claim
Any second primary cancer arising in the same organ, or pair of organs, or tissue as a prior cancer
Any of the conditions in the category of cancer
Any Dementia and Alzheimer’s Disease
Loss of independent existence
Dementia and Alzheimer’s Disease, Loss of independent existence
Any multiple sclerosis
Any muscular dystrophy
Cardiomyopathy
Dementia and Alzheimer’s Disease, Loss of independent existence
Any Parkinson’s disease
Parkinson's disease, Dementia and Alzheimer’s Disease, Loss of independent existence, Heart attack
Any stroke
Any heart attack
Any stroke
Major head trauma
Coma
Major organ transplant, Chronic kidney failure, Acute renal dialysis, Loss of sight in one eye, Permanent blindness, Loss of sight in one eye and loss of a limb or limbs , Stroke , Heart attack , Coronary artery bypass graft
Advanced type 1 diabetes
Any severity level 1 condition
Optional Total Permanent Disablement condition
23. Schedule of Categories – cancer category
Cancer – solid tumours
Key term
Cancer means any malignant tumour, positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasive and destruction of normal tissue. The term malignant tumour includes leukaemia, sarcoma and lymphoma except cutaneous lymphoma (lymphoma confined to skin).
When a cancer is determined by the life assured 's treating specialist to be a recurrence, local or regional spread, or metastasis of the life assured 's prior cancer claim, then this will be assessed as part of the life assured 's original claim.
The severity of cancer is measured by staging at first diagnosis and this diagnosis stage does not usually change over time. For the purposes of paying claims, if the cancer progresses, AIA will assess the severity of the cancer using the same staging criteria as if the cancer is reclassified at time of claim. For example, a Stage II breast cancer with bone metastasis will qualify for claim as Stage IV breast cancer .
Metric for the conditions in the table immediately below:
TNM Classification is an internationally recognised standardised method of staging cancers , where:
Tumour (T): a scale of 0 to 4 is used to record the size and extent of spread of the primary tumour (T0 means no evidence of a primary tumour).
Nodes (N): a scale of 0 to 3 is used to record the extent of spread to regional lymph nodes (N0 means lymph nodes are not involved).
Metastases (M): M0 means no distant metastasis and M1 means distant spread of the cancer .
1156 ALB-PC version 7 Effective 12 May 2026
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