Severity Level
Conditions
> Stroke (as defined above in the key term). If neuro-imaging is unavailable or inconclusive, then we will consider a claim based on a definite diagnosis by two specialist consultant neurologists; one approved by AIA and one of the life assured’s choosing. Cerebral Aneurysm means a cerebral aneurysm of any size where the intracranial aneurysm is confirmed by an appropriate specialist and has been treated surgically via clipping or endovascular surgery.
4
This requires evidence of: – acute onset of new objective neurological signs and symptoms; and
– evidenced by neuro-imaging changes consistent with the signs and symptoms. Only one claim can be made for this partial payment per life assured for the duration of this policy, regardless of the number of cerebral aneurysms suffered.
26. Schedule of Categories – loss of function category
Severity Level
Conditions
Loss of independent existence means the life assured is totally and irreversibly disabled, with the effect that he or she, as a result of sickness or injury:
– Is unable to perform without the physical assistance of someone else at least two activities of daily living for himself or herself (if the life assured can perform the activity on his or her own by using special equipment we will treat the life assured as being able to perform that activity); or – Suffers significant cognitive impairment 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 an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics. 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 AIA . Determination of a cognitive impairment will be made on the basis of clinical data and valid standardised measures of such impairments.
Total blindness means irrecoverable loss of sight of both eyes (whether aided or unaided) as a result of sickness or injury. This is evidenced by:
– visual acuity on the Snellen Scale after correction by suitable lenses is less than 6/60 in both eyes; or
– field of vision is reduced to 20 degrees or less of arc in the better eye; or
1
– a combination of visual defects resulting in the same degree of visual impairment as either of the points above.
Loss of sight in one eye and loss of one limb means:
– Irrecoverable loss of sight in one eye (whether aided or unaided) as a result of sickness or injury. This is evidenced by:
• visual acuity of 6/60 or less in that eye; or
• field of vision is reduced to 20 degrees or less of arc;
and;
– the life assured , as a result of sickness or injury, permanently loses the entire use of one limb .
Loss of two limbs means the life assured , as a result of sickness or injury, permanently loses the use of two or more limbs .
Total deafness means the life assured , as a result of sickness or injury, suffers severe hearing impairment in both ears, whether aided or unaided, resulting in an average hearing threshold in both
1156 ALB-PC version 7 Effective 12 May 2026
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