Within 12 months of the previous claim event date and a non- related condition
8. Built-in Children’s Trauma Benefit
AIA will pay a Built-in Children’s Trauma Benefit if a child of a life assured suffers a condition of severity level 1, 2 or 3, except for the Optional Total Permanent Disablement condition .
If you make a subsequent claim, where the claim event date is within 12 months of the immediately preceding claim's claim event date and the subsequent claim is not for a related condition , then AIA will deduct all claims paid under this appendix for that life assured within the previous 12 months from the amount determined in accordance with steps 1 to 3 immediately above. This may mean that no benefit is payable.
This Benefit is only payable if the child of the life assured :
First suffers a condition after the risk commencement date, subject to the three month stand down period provisions where these apply;
This deduction will not apply if the current or previous claim is/was for a condition that is the result of an accident.
Is aged from three months up to their 21 st birthday at the time he or she first suffers from that condition ; and
Survives for at least 14 days after suffering from the condition .
c) Two or more claims for conditions arising simultaneously from one event
If a single event causes the life assured to have one or more simultaneously arising conditions, AIA will only pay one claim. For each condition , AIA will determine the amount in accordance with steps 1 to 3 in b) above and the amount paid will be the highest of these amounts. The balance of the sum assured will reduce for the category that the condition with the highest amount falls under, while the balance of the sum assured will be unchanged for other categories .
What are the applicable conditions and how much will AIA pay?
The Benefit payable is the lower of $50,000 or 50% of the sum assured across all Progressive Care policies for the life assured . AIA will pay a maximum of one claim per child under either the Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit across all AIA policies . The Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit is payable in addition to the Optional Children’s and Maternity Benefit (if applicable). AIA will not pay a benefit under the Built-in Children’s Trauma Benefit that arises as a direct or indirect consequence of:
7. Built-in Financial and Legal Advice Benefit
If AIA pays a claim under this Progressive Care Benefit for a life assured for a condition of severity level 1, then AIA will reimburse you for fees incurred up to $2,500 including GST (in total) that you pay for financial planning you receive from an accredited Adviser or legal advice received from a legal professional approved by AIA , subject to the following conditions: You must pay for the financial planning or legal advice within the 12 months following AIA paying the Progressive Care Benefit claim. AIA will only pay one Financial and Legal Advice Benefit per life assured across all AIA policies. This is in addition to the sum assured . The Built-in Financial and Legal Advice Benefit is not payable for a claim for a child of the life assured under the Built-in Children’s Trauma Benefit, the Built-in Parents Grieving Benefit, the Optional Children’s and Maternity Benefit or the Built-in Newborn Children’s Benefit.
a pre-existing condition ; or
any congenital condition .
Payment of the Built-in Children’s Trauma Benefit will not affect the amount of any Progressive Care Benefit payable for the life assured .
The Built-in Children’s Trauma Benefit ceases on the child’s 21 st birthday.
9. Built-in Newborn Children’s Benefit
What is the Built-in Newborn Children’s Benefit?
AIA will pay a Built-in Newborn Children’s Benefit if a child of a life assured, where the life assured is the biological parent, is born with one of the following conditions and survives for thirty days after birth:
Cleft palate;
Down’s syndrome;
Spina bifida;
Total blindness;
Absence of one or more limbs;
Tetralogy of Fallot;
1156 ALB-PC version 7 Effective 12 May 2026
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