AIA Living Personal Critical Conditions Policy Wording

Built-in Children’s Trauma Benefit (Section 4)

Optional Children’s and Maternity Benefit (Section 17)

90 day stand down period

Full payment

Partial Payment

Cancer

Carcinoma-in-situ

-

Carcinoma-in-situ radical surgery Malignant tumours and blood cancers

-

-

Prostate Cancer

-

Heart Angioplasty – less than 3 vessels Angioplasty – 3 vessels or more

-

-

Aortic surgery

-

Cardiac Defibrillator Insertion

-

-

-

Cardiomyopathy

-

-

Coronary artery bypass surgery

-

Heart attack

-

Heart valve surgery

(partial payment unavailable)

(partial payment unavailable)

Out-of-hospital cardiac arrest

-

-

Pacemaker insertion

-

-

-

Pulmonary hypertension

-

-

Major neurological disease

Alzheimer’s disease

-

-

Benign brain or spinal cord tumour

-

(partial payment unavailable)

(partial payment unavailable)

Cerebral Aneurysm

-

-

-

Coma

-

-

Creutzfeldt-Jakob disease

-

-

Dementia

(partial payment unavailable)

(partial payment unavailable)

-

Encephalitis

-

(partial payment unavailable)

(partial payment unavailable)

1105 AL-CC version 8 Effective 12 May 2026

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