The premium payable for the reinstated benefit will be based on AIA ’s premium rates at the time of the reinstatement.
payment claim.
Payment of the Optional Early Cancer Upgrade Benefit may be in addition to any other payments made under this policy.
15.
Optional Early Cancer Upgrade Benefit
Payment of the Optional Early Cancer Upgrade Benefit will not reduce the Critical Conditions Benefit sum assured.
The Early Cancer Upgrade Benefit is available as an option once the life assured reaches age 16. The schedule will specify if you have chosen the Optional Early Cancer Upgrade Benefit. AIA will pay an Optional Early Cancer Upgrade Benefit (subject to the provisions of this policy) if the life assured suffers for the first time one of the cancer conditions listed below, after the date cover commences under the Optional Early Cancer Upgrade Benefit. AIA will not pay an Optional Early Cancer Upgrade Benefit if the life assured suffers the cancer condition or has any symptoms or signs leading to the cancer condition (whether or not a registered medical practitioner has been consulted) within 90 days after the date cover commences under the Optional Early Cancer Upgrade Benefit. The Optional Early Cancer Upgrade Benefit does not apply to children of the life assured covered under the Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit. Only one claim per life assured can be made under the Optional Early Cancer Upgrade Benefit. The Optional Early Cancer Upgrade Benefit will cease once a claim is paid and your premiums will reduce accordingly. If at claim time, the life assured does not have a base Critical Conditions Benefit, no Optional Early Cancer Upgrade Benefit will be payable and any premiums paid for the Optional Early Cancer Upgrade Benefit after the base Critical Conditions Benefit has been cancelled will be refunded to the policy owner . The life assured’s Optional Early Cancer Upgrade Benefit sum assured under this policy is shown in the schedule and is subject to the following maximums: a. 25% of the Critical Conditions Benefit sum assured at the date cover under the Optional Early Cancer Upgrade Benefit first commences for the life assured ; and
The Optional Early Cancer Upgrade Benefit covers carcinoma-in-situ of the following sites and is defined as a focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue. ‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane. The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0:
Breast.
Cervix.
Vagina.
Vulva.
Ovary.
Fallopian tube: tumour limited to tubal mucosa.
The Optional Early Cancer Upgrade Benefit also covers the following cancers:
Chronic lymphocytic leukaemia: where there must be the presence of chronic lymphocytic leukaemia which is histologically described as at least RAI Stage 0. Malignant melanoma which is determined by histological examination to be less than Clark Level 3 depth of invasion, and less than 1.0mm maximum thickness as measured using the Breslow method, and shows no evidence of ulceration. Malignant tumour of the prostate histologically described as TNM classification T1 or has a Gleason score of 5 or less for which treatment is not considered medically necessary , and undertaken by an appropriate specialist to arrest the spread of malignancy including but not limited to prostatectomy, chemotherapy, radiotherapy, or surgery. The Optional Early Cancer Upgrade Benefit will cease when cover under the Critical Conditions Benefit ceases. Where the life assured has the Optional Critical Conditions Buyback Benefit, the Optional Early Cancer Upgrade Benefit can be reinstated in addition to their Critical Conditions Buyback Benefit, subject to the life assured satisfying the terms of the Optional Critical Conditions Buyback Benefit. The Optional Critical Conditions Buyback Benefit cannot be used to reinstate the Optional Early Cancer Upgrade Benefit following a claim payment under the Optional Early Cancer Upgrade Benefit.
b. $75,000 per life assured across all AIA policies .
The sum assured amount is calculated when cover under the Optional Early Cancer Upgrade Benefit first commences for the life assured under this policy and does not change with any subsequent changes that increase or decrease the life assured’s Critical Conditions Benefit sum assured, such as: annual indexation increases after the date cover commences under the Optional Early Cancer Upgrade Benefit;
cover added using the Special Events Increase Facility or the Special Events TPD/Trauma Facility;
Critical Conditions Future Insurability Benefit increases; or
reductions in the Critical Conditions Benefit sum assured due to voluntary reduction or due to a partial
1105 AL-CC version 8 Effective 12 May 2026
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