Limitation?
No Bereavement Grant will be paid if:
> the life assured dies as a direct or indirect result of deliberately injuring himself or herself or attempting to do so; or
The Optional Mental Health Limitation applies only if it is shown in the schedule and if no mental health exclusion applies for this appendix . If the Optional Mental Health Limitation applies, AIA will only pay a claim due to a mental health disorder for a maximum of two years throughout the life of this appendix . The Optional Mental Health Limitation payment period will commence if, in AIA’s opinion, after considering the advice of a registered medical practitioner and other relevant information, the life assured is deemed to be totally disabled or partially disabled as a result of a mental health disorder . 25. Extra Benefits for the Premier Cover Option If you have chosen the Premier Cover Option, then the following extra benefits also apply:
> the life assured dies during the waiting period .
AIA will only pay one Bereavement Grant for each life assured across all AIA policies .
26. Tax
AIA understands that under current tax legislation premiums payable for agreed value disability protection insurance are generally not deductible and claim payments are generally not taxable. In the event of a tax change you may elect that, for the purpose of calculating the Total Disability Income Benefit and the Partial Disability Income Benefit only, the benefit amount shown in the schedule is increased to an amount agreed by AIA to reflect the change in tax treatment. Your premiums from that point will be adjusted to reflect the increased amount of benefit and will be based on premium rates applicable at that time. An election under this clause must be made within 180 days of the tax change . No further underwriting will be required for the increase but any existing exclusions and endorsements will apply. No election under this clause may be made if a Total Disability Income Benefit or a Partial Disability Income Benefit is payable in respect of the life assured (or would have been payable had a claim been made).
a) Extra Cash Benefit
The Extra Cash Benefit will be paid monthly in advance and in addition to the Total Disability Income Benefit, for the first three months after the waiting period while the Total Disability Income Benefit is being paid. The Extra Cash Benefit is equivalent to 1/3 rd (33.3%) of the Total Disability Income Benefit for each month. Where applicable and only in respect of the period for which the Extra Cash Benefit is payable, the Extra Cash Benefit will be included together with the Total Disability Income Benefit in the calculation of the lump sum payment AIA may choose to make in lieu of up to 3 monthly benefit payments, as set out in Section 1.
27. How to make a claim
To make a claim, the relevant procedures in the section of your AIA Living policy entitled ‘How to make a claim’ must be followed. In addition, for an Income Protection Benefit claim, AIA will require: > the life assured to be examined by a registered medical practitioner acceptable to AIA , before accepting liability for a claim; and > an AIA claims form completed by the life assured and a registered medical practitioner (at your expense); and > other information which AIA may reasonably request to help assess the claim, which may include evidence of monthly earnings, taxable income, business accounts, ACC details or similar; and > the life assured to undergo medical and/or surgical treatment (including any operation or vocational, medical and/or social rehabilitation) at your expense which the life assured’s registered medical practitioner or a registered medical practitioner approved by AIA considers necessary; and > any other information that AIA may deem relevant to the assessment of the claim.
This benefit is only payable once for a life assured .
b) Permanent Disablement Benefit
A Permanent Disablement Benefit will be paid if:
> a Total Disability Income Benefit has been paid for 24 consecutive months in respect of a life assured ; and
> in AIA’s opinion that life assured is permanently disabled .
The benefit is a monthly payment equivalent to 1/3 rd (33.3%) of the life assured’s monthly Total Disability Income Benefit as calculated in Section 2. The additional monthly payment will commence from the date when the Permanent Disablement Benefit claim is accepted by AIA . The benefit will cease when the earliest of the following occurs:
> the benefit payment period ends; or
> the life assured dies; or
> the life assured is no longer permanently disabled .
c) Bereavement Grant
If the life assured dies while AIA is paying a Total Disability Income Benefit for that life assured , then AIA will pay a Bereavement Grant of three times the monthly Total Disability Income Benefit as calculated in Section 2.
28. Ongoing Claim Requirements
1108 AL-IP version 5 Effective 12 May 2026
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