b. Pregnancy Complications Benefit
Premiums for the Optional Total Permanent Disablement condition will not be affected by a claim payment for a condition of any other severity level. The Optional Total Permanent Disablement condition does not apply to any child of a life assured covered under the Built-in Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit. The Optional Total Permanent Disablement condition is only available before the life assured attains age 65.
When is a Pregnancy Complications Benefit payable?
This benefit is payable if a life assured suffers for the first time and at least 12 months after the risk commencement date one of the defined Pregnancy Complication Benefit conditions . AIA will not pay this benefit if the life assured suffers the condition or has any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) within 12 months after the risk commencement date .
14. Optional Children’s and Maternity Benefit
The Optional Children’s and Maternity Benefit applies only if shown in the schedule .
What Pregnancy Complication Benefit conditions are covered?
The benefit is payable in addition to any benefit payable under the Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit.
Disseminated intravascular coagulation.
Eclampsia.
Hydatidiform mole.
a. Children’s Critical Conditions Benefit
See Section 29 for a full description of these Pregnancy Complication conditions .
What is the Children’s Critical Conditions Benefit?
AIA will pay a Children’s Critical Conditions Benefit if a child of a life assured suffers a condition of severity level 1, 2, 3, 4 or 5, except for the Optional Total Permanent Disablement condition .
How much will AIA pay for the Pregnancy Complications Benefit?
The benefit payable is $10,000.
This Benefit is only payable if the child of the life assured :
Payment of the Pregnancy Complications Benefit will not reduce the sum assured or the balance of the sum assured for any of the categories .
first suffers a condition after the risk
commencement date , and subject to the stand down period provisions where these apply;
c. Children’s Congenital Conditions Benefit
When is the Children’s Congenital Conditions Payable?
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 . AIA will pay a maximum of one claim per child under the Children’s Critical Conditions Benefit across all AIA policies for a life assured. In cases where two policies each name a distinct parent of the child as a life assured, both policies are eligible to claim under the Children’s Critical Conditions Benefit for that child , provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies.
This Benefit is payable if at least 12 months after the risk commencement date a child of a life assured is unequivocally diagnosed by an appropriate specialist and undergoes treatment or therapy for one of the conditions below.
What congenital conditions are covered?
Coarctation of the Aorta.
Infantile Hydrocephalus.
Anal atresia.
Oesophageal atresia.
How much will AIA pay for the Children’s Critical Conditions Benefit?
Congenital diaphragmatic hernia.
Tracheo-oesophageal fistula.
The Benefit payable is the lower of $75,000 or 50% of the sum assured .
Truncus arteriosis.
Retinopathy of prematurity.
Before cover for a child can commence under the Children’s Critical Conditions Benefit, you must advise us in writing of the child’s name, date of birth and gender. Cover for a child will only commence once we have confirmation of the child’s details in writing.
How much will AIA pay for the Children’s Congenital Conditions Benefit?
1156 ALB-PC version 7 Effective 12 May 2026
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