deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living .
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 .
The benefit payable is:
Multiple sclerosis The unequivocal diagnosis of multiple sclerosis as confirmed by an appropriate specialist .
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.
Multiple sclerosis means a disease characterised by demyelination in the brain and/or spinal cord.
There must be more than one episode of well-defined neurological deficit with persisting neurological abnormalities. Neurological investigations such as lumbar puncture, MRI (Magnetic Resonance Imaging) evidence of lesions in the central nervous system, evoked visual responses, and evoked auditory responses are required to confirm diagnosis. Muscular dystrophy The unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate specialist approved by AIA . Peripheral neuropathy Irreversible inflammation or degradation of a peripheral nerve, 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 . Stroke A cerebrovascular event producing neurological deficit. This requires clear evidence on CT, MRI (Magnetic Resonance Imaging) or similar appropriate scan or investigation that a stroke has occurred. This requires evidence of:
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 .
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. Idiopathic Parkinson’s disease The unequivocal diagnosis of Idiopathic Parkinson’s disease as confirmed by an appropriate specialist . 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 .
infarction of brain tissue; or
intracranial or subarachnoid haemorrhage.
Excluded from this definition are:
transient ischaemic attacks (TIA);
cerebral symptoms due to migraine;
cerebral injury from trauma or hypoxia; and
vascular disease affecting the eye, optic nerve or vestibular functions.
The life assured must have also sustained a neurological
1105 AL-CC version 8 Effective 12 May 2026
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