Permanent loss of hearing
Total Permanent Disablement (Optional condition ) A life assured has suffered Total Permanent Disablement if in AIA’s opinion the life assured before attaining age 65:
Full payment
The life assured , as a result of sickness or injury suffers severe hearing impairment in both ears, whether aided or unaided, resulting in an average hearing threshold in both ears of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss of hearing must be total and permanent.
a. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity:
is completely unable to engage in the occupation, or carry on the business, he or she was involved in immediately before becoming incapacitated; and
for the three consecutive months after that incapacity began, has not worked in that occupation or carried on that business; and is, in AIA ’s opinion, after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or she will ever be able to resume work in that occupation or carry on in that business; or
Partial payment
The life assured , as a result of sickness or injury suffers severe hearing impairment in one ear, whether aided or unaided, resulting in an average hearing threshold in one ear of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss of hearing must be total and permanent. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured . Only one claim can be made for this partial payment per life assured . Permanent loss of speech The life assured , as a result of sickness or injury suffers total and irreversible loss of speech. This loss must be established and the unequivocal diagnosis reaffirmed after a continuous period of three months of such loss by an appropriate specialist .
b. suffers by illness or accident the total and permanent loss of meaningful use of:
both feet (entire feet); or
both hands (entire hands); or
the sight in both eyes (to the extent that visual acuity is reduced to 6/36 or less in the better eye and/or the field of vision is reduced to 10 degrees or less of arc in the better eye); or any combination of two of: a hand, a foot or sight in an eye (to the extent that visual acuity is reduced to 6/36 or less and/or the field of vision is reduced to 10 degrees or less of arc); or c. is constantly and permanently unable to perform at least two of the following activities without the physical assistance of someone else (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):
Permanent loss of use of limbs
Full payment
The life assured , as a result of sickness or injury, permanently loses the use of: both hands; or
both feet; or
one hand and one foot; or
one hand and the sight of one eye (to the extent of 6/60 or less); or one foot and the sight of one eye (to the extent of 6/60 or less).
Bathing and showering,
Dressing and undressing,
Eating and drinking,
Using a toilet,
Partial payment
Moving from place to place by walking, in a wheelchair, or with a walking aid.
The life assured , as a result of sickness or injury, permanently loses the entire use of one limb .
Alternatively, the life assured has suffered Total Permanent Disablement if he or she is unable to perform one of the above activities and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires permanent and constant supervision. If the life assured commences full-time domestic duties, the definition of the Optional Total Permanent Disablement condition will change by replacing paragraph a above with:
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured . Only one claim can be made for this partial payment per life assured .
Quadriplegia/Tetraplegia Total and permanent loss of function of both upper and lower limbs due to injury or disease of the spinal cord.
a. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity:
1105 AL-CC version 9 Effective 22 September 2026
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