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.
malformations in or of the arteries or veins of the brain, cysts, granulomas and haematomas; and
pituitary gland tumours.
Pulmonary hypertension Primary pulmonary hypertension with substantial right ventricular enlargement established by investigations including cardiac catheterisation.
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured .
Cerebral Aneurysm A cerebral aneurysm of any size where the intracranial aneurysm is confirmed by an appropriate specialist and has been treated surgically via clipping or endovascular surgery.
Major neurological disease
The life assured has suffered or undergone one of the following conditions :
This requires evidence of:
acute onset of new objective neurological signs and symptoms; and
Alzheimer’s disease The unequivocal diagnosis of Alzheimer’s disease, which must confirm permanent irreversible failure of brain function. The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics.
evidenced by neuro-imaging changes consistent with the signs and symptoms.
Only one claim can be made for this partial payment per life assured for the duration of this policy, regardless of the number of cerebral aneurysms suffered. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured. Coma A definite diagnosis of a state of unconsciousness resulting in the following for at least 72 hours: a documented Glasgow Coma Score of 7 or less; and
Benign brain or spinal cord tumour
Full payment
A benign tumour of the brain or spinal cord which;
a. results in neurological or spinal (as appropriate) damage and functional impairment which an appropriate s pecialist deems to be permanent; or b. is deemed appropriate and medically necessary to be: - treated using major interventional treatment necessary for the therapeutic management of the tumour; or - removed through surgery (whether it is able to be removed or not). The presence of the underlying tumour must be confirmed by imaging studies such as a CT or MRI scan.
the use of a life-support system.
Coma arising from drug and alcohol abuse is specifically excluded.
Creutzfeldt-Jakob disease The diagnosis of Creutzfeldt-Jakob disease confirmed by an appropriate specialist neurologist. The life assured must exhibit signs and symptoms of cerebellar dysfunction, severe progressive dementia, uncontrolled muscle spasm, tremor and athetosis, resulting in the life assured requiring permanent and continual medical supervision.
Excluded are:
malformations in or of the arteries or veins of the brain, cysts, granulomas and haematomas; and pituitary gland tumours, unless in the opinion of an appropriate specialist an open craniotomy to remove it is medically necessary . Neurological or spinal damage and functional impairment includes but is not limited to: intracranial pressure such as papilledema, mental symptoms, seizures, sensory impairment, memory loss, impaired speech, vision loss, and paralysis on one side of the body.
Dementia
Full payment
The unequivocal diagnosis of dementia. The diagnosis must confirm permanent irreversible failure of brain function and result in significant cognitive impairment for which no other cause has been identified. Significant cognitive impairment means a deterioration or loss of intellectual capacity that results in a requirement for continual supervision to protect the life assured or others. The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics.
Partial payment
Unequivocal diagnosis of a benign intracranial or spinal cord tumour by an appropriate specialist .
Excluded are:
1105 AL-CC version 8 Effective 12 May 2026
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