Multiple sclerosis The unequivocal diagnosis of multiple sclerosis as confirmed by an appropriate specialist .
Loss of independent existence The life assured is totally and irreversibly disabled, with the effect that he or she is unable, as a result of sickness or injury, to perform without the physical assistance of someone else at least two of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment AIA will treat the life assured as being able to perform that activity):
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.
Bathing and showering.
Dressing and undressing.
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.
Eating and drinking.
Using a toilet.
Moving from place to place by walking, in a wheelchair, or with a walking aid.
Muscular dystrophy The unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate specialist approved by AIA .
Alternatively, the life assured is unable to perform one of the above and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires full-time care .
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:
Paraplegia Total and permanent loss of function of both legs due to injury or disease of the spinal cord.
Permanent blindness
Full payment
Irrecoverable loss of sight of both eyes as a result of sickness or injury. This is evidenced by:
visual acuity on the Snellan Scale after correction by suitable lenses is less than 6/60 in both eyes; field of vision is reduced to 20 degrees or less of arc in the better eye; or a combination of visual defects resulting in the same degree of visual impairment as either of the points above.
infarction of brain tissue; or
intracranial or subarachnoid haemorrhage.
Excluded from this definition are:
transient ischaemic attacks (TIA);
cerebral symptoms due to migraine;
Partial payment
cerebral injury from trauma or hypoxia; and
Irrecoverable loss of sight in one eye as a result of sickness or injury. This is evidenced by: visual acuity on the Snellan Scale after correction by suitable lenses is less than 6/60 in that eye;
vascular disease affecting the eye, optic nerve or vestibular functions.
field of vision is reduced to 20 degrees or less of arc; or
Paralysis and loss of functionality
The life assured has suffered or undergone one of the following conditions :
a combination of visual defects resulting in the same degree of visual impairment as either of the points above. The benefit payable is 25% of the sum assured to a maximum of $100,000 across all Personal AIA policies for the life assured . Only one claim can be made for this partial payment per life assured .
Diplegia Total and permanent loss of function of both arms or both legs due to injury or disease of the spinal cord.
Hemiplegia Total and permanent loss of function of one side of the body due to brain injury or disease.
1105 AL-CC version 9 Effective 22 September 2026
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