any intentional act by you or by any parent or guardian of the life assured , or child .
any intentional act by someone who lives with or supervises the life assured, or child.
AIA will not pay a benefit under the Built-in Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit that arises as a direct or indirect consequence of:
a pre-existing condition ; or
any congenital condition , except where expressly covered under the Children’s Congenital Conditions Benefit.
These exclusions apply to any subsequent benefit increase you make.
21.
How to make a claim
To make a claim, refer to the section in your AIA Living policy entitled ‘How to make a claim’.
In addition, for a Critical Conditions Benefit claim, AIA will require information acceptable to us, including medical evidence and reports, showing proof of the condition giving rise to the claim. AIA may require the life assured or his or her child (if applicable) to have an examination by a registered medical practitioner appointed by AIA before accepting liability for a claim.
Where the Optional Total Permanent Disablement condition is the condition giving rise to the claim, AIA will also require:
An AIA claims form completed by the life assured and a registered medical practitioner (at your expense).
Other information which AIA may reasonably request to help assess the claim, which may include evidence of earnings, taxable income, business accounts, ACC details or similar. The life assured to undergo medical and/or surgical treatment (including any operation or vocational, medical and/or social rehabilitation) at your expense which the life assured’s registered medical practitioner, or a registered medical practitioner approved by AIA , considers necessary.
Any other information that AIA may deem relevant to the assessment of the claim.
For advice about submitting a claim you can phone AIA on 0800 500 108 or your Adviser. Find claim information online at AIA.co.nz
1105 AL-CC version 8 Effective 12 May 2026
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