The Benefit payable is $5,000, regardless of the number of congenital conditions diagnosed. AIA will pay a maximum of one claim for a child under the Children’s Congenital 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 Congenital Conditions Benefit for that child , provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies. Payment of the Children’s Congenital Conditions Benefit will not reduce the sum assured or the balance of the sum assured for any of the categories. When will AIA not pay a claim under the Optional Children’s and Maternity Benefit? AIA will not pay a benefit under the Optional Children’s and Maternity Benefit that arises as a direct or indirect consequence of:
Your request must be received in writing.
An applicable premium will be payable on converted cover.
16. Built-in Standalone Conversion Facility
If the schedule shows the Progressive Care Benefit as standalone you can convert your cover to an accelerated Progressive Care Benefit with an equal amount of Life Cover Benefit without any further medical evidence, subject to the following:
The life assured was accepted with standard underwriting terms (e.g. there are no special terms, exclusions or premium loadings applicable to the life assured );
The life assured is only eligible for the Standalone Conversion Option where the conversion occurs before age 60; The life assured has not made a claim with AIA or any other insurer, and is not eligible to make a claim under the standalone Progressive Care Benefit, this includes any claim currently under assessment;
a pre-existing condition ; or
any congenital condition , except where expressly covered under the Children’s Congenital Conditions Benefit.
The life assured is not terminally ill or suffering from a terminal illness;
The Optional Children’s and Maternity Benefit ceases on the child’s 21 st birthday.
The premiums for their standalone Progressive Care Benefit are paid up to date;
15. Built-in Children’s Trauma Conversion Facility
The accelerated Progressive Care sum assured must be less than or equal to the standalone Progressive Care sum assured ; and
The Built-in Children’s Trauma Facility can be converted to:
a standalone Progressive Care Benefit; or
The Life Cover Benefit sum assured does not exceed the accelerated Progressive Care sum assured .
an accelerated Progressive Care Benefit with an equal amount of Life Cover Benefit,
The premium for the conversion will be based on the age of the life assured and our premium rates at the date of conversion. If you are issued a new policy for the amount of the standalone Progressive Care Benefit being converted the new policy will be issued based on the information provided at the time of conversion, together with the information provided in the original proposal. If the death of the life assured occurs within three months of the date of conversion , other than by accidental death , then this conversion is void and the standalone Progressive Care Benefit will be reinstated from the date of conversion .
with a maximum sum assured of $50,000 or 50% of the life assured’s original sum assured whichever is lesser, without further medical evidence. Where the life assured’s sum assured has reduced, the conversion will be calculated on the reduced amount. If the Optional Children’s and Maternity Benefit is shown on the schedule , it can also be converted to a standalone Progressive Care Benefit or an accelerated Progressive Care Benefit with an equal amount of Life Cover Benefit, with a maximum sum assured of $75,000, without further medical evidence. The following conditions are applicable to both Children’s Trauma Conversion options: A conversion cannot occur if the child has claimed or was eligible to claim under the Built-in Children’s Trauma Benefit and/or the Optional Children’s and Maternity Benefit; and Your request for conversion must be received by AIA within 60 days of the anniversary date after the child’s 21 st birthday; and
17. Built-in Premium Conversion Facility
You may at any time prior to the life assured reaching age 65:
Convert all or part of your Progressive Care Benefit from the premium type shown in the schedule to a Level premium structure; or
Convert a Level premium structure to an alternate Level premium structure, of which term duration may be the
1156 ALB-PC version 7 Effective 12 May 2026
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