Paralysis and loss of functionality
field of vision is reduced to 20 degrees or less of arc; or
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.
Permanent loss of hearing
Full payment
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):
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.
Partial payment
Bathing and showering.
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 .
Dressing and undressing.
Eating and drinking.
Using a toilet.
Moving from place to place by walking, in a wheelchair, or with a walking aid.
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 .
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.
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).
Partial payment
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;
Partial payment
The life assured , as a result of sickness or injury, permanently loses the entire use of one limb .
1105 AL-CC version 8 Effective 12 May 2026
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