− any subsequent claims under the category of cancer will be excluded if the condition occurs within the 12 months immediately following the original claim event date; and − following this period then the same condition shall include any cancer that is either: − of the same organ system as the original cancer; − considered by the treating oncologist as likely to be a secondary cancer of the original cancer; or − a related cancer . Any heart (or heart-related) condition if the original claim was for a heart condition or a stroke, except where the claim in respect of the reinstated Critical Conditions Benefit is for heart valve surgery or pulmonary hypertension, and these conditions have not previously been claimed for and are not considered by an appropriate specialist as likely to be secondary or directly resulting from the original condition . Stroke, or any condition directly resulting from a stroke, if the original claim was for a heart (or heart- related) condition , except where the original claim was for heart valve surgery or pulmonary hypertension.
20.
Optional Continuous Critical Conditions Benefit
What is the Optional Continuous Critical Conditions Benefit? The Optional Continuous Critical Conditions Benefit is available as an option if the life assured is age 16 or over, and is not available if the Optional Critical Conditions Buyback Benefit has been selected. The schedule will specify if you have chosen the Optional Continuous Critical Conditions Benefit.
What happens to cover after AIA pays a claim with the Optional Continuous Critical Conditions Benefit?
If AIA accepts a full payment claim under the Critical Conditions Benefit for a life assured , cover for that life assured will continue automatically for the full sum assured, until the maximum payment amount set out below is reached. If AIA accepts a partial payment claim under the Critical Conditions Benefit for a life assured , cover for that life assured will continue for the full sum assured until the maximum payment amount set out below is reached. The sum assured and premium do not reduce by the amount of the partial payment. This allows subsequent Critical Conditions Benefit claims to be made for that life assured , up to the maximum set out below. Once the maximum payment amount set out below is reached, the Critical Conditions Benefit will cease. This section replaces Section 1 “What happens to cover after AIA pays a claim?” where the Optional Continuous Critical Conditions Benefit is shown in the schedule for a life assured .
Any exclusion which applied to the original Critical Conditions Benefit.
In the event of a claim in respect of the reinstated Optional Early Cancer Upgrade Benefit, no claim will be paid for: The same cancer condition for which AIA has paid a claim under a Critical Conditions Benefit for the life assured . The same cancer condition shall include any cancer that is either:
The most AIA will pay with the Optional Continuous Critical Conditions Benefit
of the same organ system as the original cancer;
−
AIA will pay the full Critical Conditions Benefit sum assured no more than four times for a life assured for all claims in total. This maximum amount includes payments for:
considered by the treating oncologist as likely to be a secondary cancer of the original cancer; or
−
a related cancer .
−
the first claim and every subsequent claim for a covered condition ;
In the event of a claim in respect of the reinstated Optional Children’s and Maternity Benefit, no claim will be paid for: The Children’s Critical Conditions Benefit where you have already received a claim payment for the same child under the original Children’s Critical Conditions Benefit; The Children’s Congenital Conditions Benefit where you have already received a claim payment for the same child under the original Children’s Congenital Conditions Benefit; or
claims under the Optional Total Permanent Disablement condition ; and
partial payment condition claims (see ‘Partial payment claims’ section below).
The maximum amount does not include payments for claims made under the following benefits: Built-in Financial and Legal Advice Benefit, Built-in Children’s Trauma Benefit, Built-in Newborn Children’s Benefit, Built-in Return Home Benefit, Built-in Parent’s Grieving Benefit, Built-in Counselling Benefit, Optional Early Cancer Upgrade Benefit, and Optional Children’s and Maternity Benefit.
Any exclusion which applied to the original Optional Children’s and Maternity Benefit.
1105 AL-CC version 9 Effective 22 September 2026
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