16.
Optional Total Permanent Disablement condition
For those conditions where the criteria for a full payment are met as detailed in Section 22 below, the Benefit payable is the lower of $75,000 or 50% of the Critical Conditions Benefit sum assured. No payments are made under this Benefit for the Optional Total Permanent Disablement condition or any of the conditions where a partial payment applies, except for the following conditions :
The Optional Total Permanent Disablement condition is available once the life assured reaches age 16. The schedule will specify if you have chosen the Optional Total Permanent Disablement condition and, subject to the provisions of this appendix , is included as a full payment condition under the Critical Conditions Benefit. The Optional Total Permanent Disablement condition does not apply to any child of a life assured covered under the Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit.
Angioplasty – less than 3 vessels.
Carcinoma-in-situ.
For these conditions , the Benefit payable is the lower of $75,000 or 10% of the Critical Conditions Benefit sum assured. Before cover for a child can commence under the Children’s Critical Conditions Benefit, you must advise us in writing of the child’s name, date of birth and gender. Cover for a child will only commence once we have confirmation of the child’s details in writing.
The Optional Total Permanent Disablement condition does not apply once the life assured attains age 65.
17.
Optional Children’s and Maternity Benefit
The Children’s and Maternity Benefit is available as an option once the life assured reaches age 16. The schedule will specify if you have chosen the Optional Children’s and Maternity Benefit. The Benefit is payable in addition to any Benefit payable under the Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit.
b.
Pregnancy Complications Benefit
When is a Pregnancy Complications Benefit payable?
This Benefit is payable if a life assured for the Critical Conditions Benefit suffers for the first time and at least 12 months after the risk commencement date one of the defined pregnancy complication conditions . AIA will not pay this benefit if the life assured suffers the condition or has any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) within 12 months after the risk commencement date .
a.
Children’s Critical Conditions Benefit
What is the Children’s Critical Conditions Benefit?
AIA will pay a Children’s Critical Conditions Benefit if a child of a life assured suffers one of the applicable conditions listed in Section 1 of this appendix .
What pregnancy complication conditions are covered?
This Benefit is only payable if the child of the life assured :
first suffers a condition after the risk commencement date , subject to the 90 day stand down period provisions where these apply; is aged from three months up to their 21 st birthday at the time he or she first suffers from that condition ; and
Disseminated intravascular coagulation.
Eclampsia.
Hydatidiform mole.
See Section 24 for a full description of these conditions.
survives for at least 14 days after suffering from the condition .
How much will AIA pay for the Pregnancy Complications Benefit?
AIA will pay a maximum of one claim for a child under the Children’s Critical 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 Critical Conditions Benefit for that child , provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies.
The Benefit payable is $10,000.
Payment of the Pregnancy Complications Benefit will not reduce the Critical Conditions Benefit.
c.
Children’s Congenital Conditions Benefit
When is the Children’s Congenital Conditions Benefit payable?
What are the applicable conditions and how much will AIA pay?
This Benefit is payable if at least 12 months after the
1105 AL-CC version 8 Effective 12 May 2026
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