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.
The benefit payable is:
25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured if the unequivocal diagnosis occurs before the life assured is 60 years of age; or 25% of the sum assured to a maximum of $10,000 across all Personal AIA policies for the life assured if the unequivocal diagnosis occurs after the life assured is over 60 years of age.
This requires evidence of:
acute onset of new objective neurological signs and symptoms; and
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
Encephalitis
Full payment
The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living .
the use of a life-support system.
Coma arising from drug and alcohol abuse is specifically excluded.
Partial payment
The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by AIA . The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured.
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.
Idiopathic Parkinson’s disease The unequivocal diagnosis of Idiopathic Parkinson’s disease as confirmed by an appropriate specialist .
Dementia
Full payment
Major head trauma An accidental cerebral injury diagnosed by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . Major head trauma arising from drug and alcohol abuse is specifically excluded. Meningitis The diagnosis of meningitis by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living .
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
The unequivocal diagnosis of dementia. The diagnosis must confirm permanent irreversible failure of brain function. The diagnosis is confirmed by an appropriate specialist in psychogeriatric, psychiatry, neurology or geriatrics.
Motor neurone disease The unequivocal diagnosis of motor neurone disease diagnosed by an appropriate specialist approved by AIA .
1105 AL-CC version 9 Effective 22 September 2026
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