9. What is the Recurrent Disablement Benefit? The waiting period will be waived if not later than 12 months after the benefit payments related to the original claim ceased, the life assured becomes disabled again and, in AIA’s opinion, after considering the advice of a registered medical practitioner and other relevant information, this is caused by the same or a related illness or injury as the original period of total or partial disablement . The provisions of Sections 1, 2, 3, 4, 5 and 6 of this appendix will apply to any benefit claimed. If the benefit payment period is one, two or five years, all claims resulting from the same or a related illness or injury will be considered to be the same claim in respect of the benefit payment period . 10. What is the Optional Claim Indexation Benefit? The Optional Claim Indexation Benefit applies only if “CPI Linked” is specified in the schedule . Where the Optional Claim Indexation Benefit is selected, the Income Protection Benefit sum assured shown in the schedule will increase at the start of each policy year by an amount we determine with reference to the annual percentage increase in the consumers price index , subject to any maximum benefit amounts allowable under the benefit. If the consumers price index falls in any year, the Income Protection Benefit sum assured will not decrease.
> the life assured must actively participate and comply with the assistance as agreed with AIA ; and > the total amount which AIA will pay for any vocational assistance is limited to a maximum of 12 times the monthly benefit amount as calculated in Section 2, except if the benefit payment period is one, two or five years, where the total amount is limited to 6 times the monthly benefit amount as calculated in Section 2; and > the life assured must be receiving a Total Disability Income Benefit or Partial Disability Income Benefit when the assistance begins. Any benefit which AIA may agree to pay is to be reduced by any vocational assistance costs you or the life assured recover, or are entitled to recover, from any other source.
13. What is the Home Modification or
Equipment Expenses Benefit and when will AIA pay it? AIA may agree to pay you an additional lump sum payment of up to 12 times the monthly benefit amount calculated in Section 2. This payment is to cover the costs of buying specialised equipment or completing home alterations that, because of the life assured’s total disability , have become necessary, in AIA’s opinion after considering the recommendation of an occupational therapist or an appropriate specialist approved by AIA . You must apply in writing to AIA before incurring these costs. Any benefit that AIA may agree to pay for the specialised equipment or home alterations will be reduced by any costs of buying specialised equipment or completing home alterations you or the life assured recover, or are entitled to recover from any other source. 14. What is the Bed Confinement Benefit and when will AIA pay it? If, at any time during the waiting period the life assured is confined to bed under full-time care for more than three days and is in an occupation class other than five, then AIA will pay a Bed Confinement Benefit for each complete 24 hour period after the first 72 hours of bed confinement. This benefit will be a daily benefit equivalent to 1/365 th of the benefit amount shown in the schedule , which you would be entitled to if the life assured was totally disabled and the waiting period was over. AIA will continue to pay the benefit until the waiting period is over, or until the life assured is no longer confined to bed under full-time care , whichever is the earlier. If you have chosen the Premier Cover Option and at any time during the waiting period the life assured is confined to bed under full-time care for more than three days, then AIA will also pay the Bed Confinement Benefit for each complete 24 hour period within the first 72 hours of bed confinement.
11. Rehabilitation and Support
On receiving notification of a new or potential claim, we will appoint the life assured a Case Manager, who will work with the life assured to understand their personal situation and assist them with the claims process. They will work with the life assured to consider what rehabilitation or functional support could assist the life assured’s return to work or improve their capacity to work, either during or after the waiting period as appropriate in the opinion of AIA . Acceptance of any costs associated with the agreed rehabilitation and functional support by AIA does not mean that we will accept liability for any other benefit under this appendix . 12. What is Vocational Assistance and when will AIA pay it? AIA may agree to pay for vocational assistance for the life assured if, in AIA’s opinion, the life assured is unlikely to return to paid work in their pre-disability occupation without assistance. The Case Manager appointed to the life assured’s claim will work to understand their personal situation and consider what assistance could aid the life assured’s return to gainful employment at an earlier date than would otherwise be possible. In all cases: > the assistance must be approved in advance by AIA , and reviewed regularly; and
15. Home Care Benefit
1108 AL-IP version 5 Effective 12 May 2026
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