▪
If you have accelerated cover
considered by the treating oncologist as likely to be a secondary cancer of the previous cancer; or
Where an accelerated Critical Conditions Benefit is shown in the schedule , the maximum amount payable is as set out above in the section ‘the most AIA will pay with the Optional Continuous Critical Conditions benefit’ except that: the life assured must have enough Life Cover Benefit sum assured remaining for the Optional Continuous Critical Conditions Benefit to continue (see Section 2). If the life assured does not have enough Life Cover Benefit sum assured remaining (because of previous accelerated Critical Conditions Benefit claims and/or reductions in the sum assured), any subsequent Critical Conditions Benefit claim made under the Optional Continuous Critical Conditions Benefit will be reduced to the amount of Life Cover Benefit sum assured remaining.
▪
a related cancer;
any of which AIA will treat as a related condition ; or
where AIA has previously accepted a Critical Conditions Benefit claim for a heart (or heart-related) condition or stroke condition for the same life assured , and the subsequent claim is for any heart (or heart- related) condition or stroke condition :
if the same life assured suffers or undergoes the condition within 36 months immediately following the previous claim event date; or
−
Partial payment claims
if AIA determines the condition for that life assured to be a related condition; or
−
Where the life assured has only received a partial payment claim for a condition and subsequently qualifies for the full payment for the same condition or a related condition , the claim will be treated as an extension of the previous claim amounting to one full payment of the Critical Conditions Benefit sum assured and not a subsequent claim. In all other partial payment claims, AIA will treat any four partial payment claims as one full payment of the Critical Conditions Benefit sum assured, regardless of the amount of each payment.
as a result of any exclusion which applies to the Critical Conditions Benefit.
21.
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 ):
Subsequent claims AIA will not pay
AIA will not pay a subsequent claim under the Optional Continuous Critical Conditions Benefit for a life assured :
if AIA has accepted a claim for the same life assured under the Terminal illness condition ; or
for a condition that AIA determines is a related condition to a condition that AIA has previously accepted a Critical Conditions Benefit claim for the same life assured ; or for the same condition that AIA has previously accepted a Critical Conditions Benefit claim for the same life assured within 12 months immediately following the previous claim event date, except for any heart (or heart-related) condition or stroke condition (see below); or where AIA has previously accepted a Critical Conditions Benefit claim for a cancer condition for the same life assured , and the subsequent claim is for any cancer condition under the category of Cancer: − any condition under the category of Cancer, if the same life assured has suffered or undergoes the c ondition within 12 months immediately following the previous claim event date; or
any intentional act by you or by any parent or guardian of the life assured , or child .
− if the subsequent cancer condition for the same life assured is:
any intentional act by someone who lives with or supervises the life assured, or child.
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of the same organ system as the previous cancer; or
1105 AL-CC version 9 Effective 22 September 2026
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