6. What specified injuries will AIA cover under this benefit? This table lists the specified injuries covered under this benefit and how much AIA will pay for each. Some of these specified injuries have definitions, which you can find under ‘Key Terms’. Specified Accidental Injury Cover will only pay a benefit if the life assured suffers one of the specified injuries set out in the below table. All other types of accidental injury are not covered by this benefit.
Specified Injury Categories Category A Fracture of jaw, skull, collarbone
What AIA will pay (Lump Sum)
Fracture of forearm, wrist Fracture of hand (excluding fingers) Fracture of thumb Fracture of ankle, heel, fracture of leg below the knee (tibia or fibula) Fracture of foot (excluding toes) Fracture of big toe Fracture of 3 or more ribs Amputation of any finger (including thumb) or big toe Category B Fracture of upper arm, elbow, shoulder Fracture of vertebrae Fracture of kneecap Injury that results in a tear of the shoulder or knee that results in surgery under general anaesthesia Category C Fracture of leg above the knee (femur)
One times the monthly benefit amount
Two times the monthly benefit amount
Fracture of the pelvis Fracture of the hip Fracture to multiple limbs Category D Amputation of the thumb and index finger of the same hand
Three times the monthly benefit amount
Full thickness burns (excluding hands) to 20% or more of the body surface Full thickness burns to 25% of the face or 50% of the surface of both hands Permanent total blindness in one eye Category E Amputation or Permanent total loss of function of a foot or hand Amputation or Permanent total loss of function of one or more limbs Permanent total paralysis Permanent total blindness Permanent total loss of hearing
Six times the monthly benefit amount
Twelve times the monthly benefit amount
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1165 ALB-SAIC Version 1 Effective 1 November 2024
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