22.
Definitions of medical conditions
− are at least 1.0mm in maximum thickness as determined by histological examination using the Breslow thickness histological classification; or
Cancer
are graded higher than Clark level 2 depth of invasion; or
−
The life assured has suffered or undergone one of the following conditions :
− show evidence of ulceration as determined by histological examination.
Carcinoma-in-situ A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissues. ‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane.
Skin cancers unless they have spread to other organs.
Chronic lymphocytic leukaemia less than RAI Stage 1.
Prostate Cancer As a result of a prostate tumour, the entire prostate is removed to arrest spread of the malignancy and this is considered medically necessary by an appropriate specialist . The benefit also covers malignant tumour of the prostate histologically described as T1 or Gleason score of 5 or less for which treatment is considered medically necessary , and undertaken by an appropriate specialist to arrest the spread of malignancy including but not limited to chemotherapy, radiotherapy, immunotherapy or surgery.
This benefit only covers carcinoma-in-situ of the following sites:
Breast.
Cervix.
Vagina.
Vulva.
The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured . Carcinoma-in-situ radical surgery As a result of a carcinoma-in-situ, an operation to arrest spread of the malignancy is performed which involves the removal of the entire organ (which includes: breast, cervix, ovary, fallopian tube, vagina, vulva, prostate, colon/rectal, bladder) affected, or the organ requires systemic chemotherapy, radiotherapy or immunotherapy, and that treatment is considered medically necessary by an appropriate specialist . The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0. Malignant tumours and blood cancers The presence of one or more malignant tumours, characterised by uncontrolled growth and spread of malignant cells, with the invasion and destruction of normal tissue for which major interventional treatment or surgery is considered medically necessary by an appropriate specialist .
Heart
The life assured has suffered or undergone one of the following conditions :
Angioplasty – less than 3 vessels The actual undergoing of coronary artery angioplasty with or without a stent, laser or atherectomy, considered medically necessary by an appropriate specialist cardiologist, to correct a narrowing or blockage of one or two coronary arteries during the same procedure. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured per claim. For each life assured you can make more than one claim for this condition as long as the subsequent claim for this condition is not in respect of the same coronary artery or arteries as any previous claim for this condition . Angioplasty – 3 vessels or more The actual undergoing of coronary artery angioplasty to correct a narrowing or blockage of at least three coronary arteries within a period of 60 days that is considered medically necessary on the basis of angiographic evidence, indicating obstruction of at least three coronary arteries.
The following tumours are excluded:
Repeat procedures to the same coronary artery are not covered.
Tumours classified as carcinoma-in-situ (including intra- epithelial neoplasia). Prostate tumours with a Gleason score of less than 6. (If the Gleason score is unavailable, we will use the TNM classification and tumours classified as T1 or its equivalent will be excluded).
Aortic surgery Medically necessary surgery to correct or repair:
an aortic aneurysm;
an obstruction of the aorta;
All malignant melanomas unless they:
a coarctation of the aorta;
1105 AL-CC version 8 Effective 12 May 2026
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