For the purpose of this definition aorta shall mean the thoracic and abdominal aorta.
Breslow thickness histological classification; or
are graded higher than Clark level 2 depth of invasion; or
−
Cardiac Defibrillator Insertion
− show evidence of ulceration as determined by histological examination.
The permanent insertion of an automatic implantable defibrillator after the occurrence of ventricular tachycardia or ventricular fibrillation. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured. The benefit is not payable if the life assured satisfies the criteria for a claim payment under another heart condition across all Personal AIA policies. Cardiomyopathy Impaired ventricular function of variable aetiology due to primary disease of the heart muscle, resulting in permanent and irreversible physical impairments to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment. Coronary artery bypass surgery Medically necessary surgery to correct the narrowing of, or blockage to, one or more coronary arteries by means of a bypass graft. Heart attack The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by: Typical rise and/or fall of cardiac biomarkers with at least one value above the 99 th percentile of the upper reference limit and at least one of the following: Signs and symptoms of ischaemia which are consistent with myocardial infarction; or Confirmatory new (or presumed new) ECG changes associated with myocardial infarction with the development of any one of the following:
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.
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.
ST changes;
−
T wave inversion;
−
Left bundle branch block (LBBB);
−
Pathological Q waves; or
−
Repeat procedures to the same coronary artery are not covered.
Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 5 times the 99 th percentile of the upper reference limit. If the above evidence is inconclusive or superseded by technological advances, we will consider other appropriate and medically recognised tests that unequivocally diagnose that a myocardial infarction of the degree of severity or greater as outlined above has occurred.
Aortic surgery Medically necessary surgery to correct or repair:
an aortic aneurysm;
an obstruction of the aorta;
a coarctation of the aorta;
a traumatic rupture of the aorta; or
an aortic dissection.
1105 AL-CC version 9 Effective 22 September 2026
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