Severity Level
Conditions
ears of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss of hearing must be total and permanent.
Loss of speech means the life assured , as a result of sickness or injury loses the ability to produce intelligible speech, both natural and assisted. This loss must be total and permanent as assessed three months after the event. Loss of speech related to any psychological cause is excluded. Paralysis means the total and permanent loss of function of two or more limbs as a result of sickness or injury causing permanent damage to the nervous system. This includes, but is not limited to, quadriplegia, paraplegia, diplegia and hemiplegia. Intensive care means a state of unconsciousness with no reaction to stimuli or internal needs, persisting continuously for at least 96 hours, requiring assisted ventilation (including the use of endo- tracheal intubation and/or tracheostomy) in the intensive care unit of a hospital. The life assured must have also sustained a neurological deficit causing inability to perform one of the activities of daily living . Unconsciousness caused by drug and alcohol abuse is specifically excluded.
Total Permanent Disablement (Optional condition ) the life assured has suffered Total Permanent Disablement if in AIA’s opinion the life assured before attaining age 65:
A. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity:
– is completely unable to engage in the occupation, or carry on the business, he or she was involved in immediately before becoming incapacitated; and
– for the three consecutive months after that incapacity began, has not worked in that occupation or carried on that business; and
– is, in the opinion of AIA , after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or she will ever be able to resume work in that occupation or carry on in that business; or
B. suffers by illness or accident the total and permanent loss of meaningful use of:
– both feet (entire feet); or both hands (entire hands); or
– the sight in both eyes (to the extent that visual acuity is reduced to 6/36 or less in the better eye and/or the field of vision is reduced to 10 degrees or less of arc in the better eye); or
– any combination of two of: a hand, a foot or sight in an eye (to the extent that visual acuity is reduced to 6/36 or less and/or the field of vision is reduced to 10 degrees or less of arc); or
C. is constantly and permanently unable to perform at least two of the following activities without the physical assistance of someone else (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):
– 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.
Alternatively, the life assured has suffered Total Permanent Disablement if he or she is unable to perform one of the above activities and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires permanent and constant supervision.
If the life assured commences full-time domestic duties, the definition of the Optional Total Permanent Disablement condition will change by replacing paragraph A. above with:
“A. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity:
– For three consecutive months after that incapacity began, has not worked in any occupation or carried on any business or engaged in any other gainful employment ; and
– Following that three consecutive months is in the opinion of AIA , after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or
1156 ALB-PC version 7 Effective 12 May 2026
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