For three consecutive months after that incapacity began, has not worked in any occupation or carried on any business or engaged in any other gainful employment ; and Following that three consecutive months is, in the opinion of AIA , 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 work in any occupation or engage in any other gainful employment for which he or she may be reasonably suited by education, training or experience, which would pay remuneration at a rate
CD4 cell count of less than 200/ul despite appropriate continuous antiretroviral therapy.
There must be an associated AIDS defining illness with AIDS resulting in at least one of the following:
Kaposi's Sarcoma or Lymphoma.
Pneumocystis Carinii infection, cryptococcal infection or any other opportunistic infection of the lungs or nervous system.
Tuberculosis or other mycobacterium infection at any site.
greater than 25% of the life assured ’s earnings during his or her last 12 consecutive months of work .
Progressive multifocal leukoencephalopathy.
HIV Encephalopathy.
HIV wasting syndrome characterised by more than 10% weight loss, chronic intractable diarrhoea and chronic candidiasis of the respiratory tract or gastrointestinal tract. Advanced diabetes The life assured : 1. has been unequivocally first ever diagnosed as suffering from insulin dependent diabetes mellitus Type 1 after the age of 30 by an appropriate specialist ; or 2. suffers severe diabetes mellitus, either insulin or non- insulin dependent, as certified by a consultant endocrinologist and resulting in at least one of the following: Severe diabetic retinopathy resulting in visual acuity uncorrected and corrected of 6/36 or worse in both eyes;
AIA will at its discretion waive the three month waiting period when assessing Total Permanent Disablement if:
in AIA ’s opinion, the life assured has met all other requirements for payment under the Optional Total Permanent Disablement condition; and
AIA expects the life assured to survive beyond three months after the incapacity began.
In exercising this discretion, AIA will consider whether the medical condition of the life assured enables an assessment to be made immediately in respect of whether the life assured has met all other requirements of the Optional Total Permanent Disablement condition . AIA will not waive the three month waiting period if, in our opinion, after considering suitable medical evidence, we believe that the life assured may die within three months after the incapacity began. A decision not to waive the three month waiting period will not affect our consideration of a claim under the Optional Total Permanent Disablement condition if the life assured survives for three months after the incapacity began. Any condition that AIA has reasonable grounds to expect can be reversed or improved by surgery or other treatment will not be considered as having met this Optional Total Permanent Disablement condition . AIA will not pay a benefit under the Optional Total Permanent Disablement condition if the life assured dies within three months of the date that the life assured became incapacitated.
Severe diabetic neuropathy causing motor and/or autonomic impairment;
Diabetic gangrene leading to surgical intervention; or
Severe diabetic nephropathy causing chronic irreversible stage 4 renal impairment.
Aplastic anaemia The life assured has suffered the first occurrence of bone marrow failure which results in anaemia, neutropenia and thrombocytopenia, requiring treatment over a period of at least two months with at least one of the following:
Blood product transfusion;
Other key conditions
Marrow stimulating agents;
The life assured has suffered or undergone one of the following conditions :
Immunosuppressive agents;
Bone marrow transplantation;
Advanced Acquired Immunodeficiency Syndrome (AIDS) The life assured has been unequivocally diagnosed by an appropriate specialist with Advanced Acquired Immunodeficiency Syndrome in the clinical setting, evidenced by the presence of HIV infection with a persistent
Haemopoietic stem cell transplantation.
1105 AL-CC version 9 Effective 22 September 2026
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