where the Optional Total Permanent Disablement condition was the subject of the Critical Conditions Benefit claim.
claim under a Critical Conditions Benefit for the life assured . The same cancer condition shall include any cancer that is either:
of the same organ system as the original cancer;
−
If you had selected the Optional Early Cancer Upgrade Benefit at the time of the first Critical Conditions Benefit claim, this benefit can be reinstated alongside the original Critical Conditions Benefit, except where you have previously received a claim payment under the Optional Early Cancer Upgrade Benefit.
considered by the treating oncologist as likely to be a secondary cancer of the original cancer ; or
−
a related cancer .
−
In the event of a claim in respect of the reinstated Optional Children’s and Maternity Benefit, no claim will be paid for:
If you had selected the Optional Children’s and Maternity Benefit at the time of the first Critical Conditions Benefit claim, this benefit can be reinstated alongside the original Critical Conditions Benefit.
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
In the event of a claim in respect of the reinstated Critical Conditions Benefit, no claim will be paid for:
Any condition for the subsequent claim that is a related condition to the condition which was the subject of the first Critical Conditions Benefit claim, as determined by AIA . The same condition for which AIA has paid a claim under a Critical Conditions Benefit for the life assured , unless the original claim was for any of the conditions under the category of cancer , in which case: o 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
Any exclusion which applied to the original Optional Children’s and Maternity Benefit.
20.
Exclusions – when AIA won’t pay a benefit
AIA will not pay any benefit described in this appendix where any of the following (and in each case either directly or indirectly) causes or contributes to the claim: The life assured (or the child in the case of a Built-in Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit) deliberately injures himself or herself or attempts to do so. The life assured (or the child in the case of a Built-in Children’s Trauma Benefit, the Built-in Parents Grieving Benefit or the Optional Children’s and Maternity Benefit) engages in or is part of any conduct that is criminal. Any condition or any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) that existed before the risk commencement date , unless AIA is satisfied that you or the life assured could not have known of the existence of the condition or symptom or signs leading to the condition , or the condition or symptom or signs leading to the condition were declared on your application and accepted by AIA . AIA will not pay any benefit described in this appendix where any of the following occurs before a life assured (or any child in the case of a Built-in Children’s Trauma Benefit, the Built- in Parents Grieving Benefit or the Optional Children’s and Maternity Benefit) reaches age 21, and (in each case either directly or indirectly) causes or contributes to a claim for that life assured (or child ):
o 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.
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
1105 AL-CC version 8 Effective 12 May 2026
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