Other key conditions
Immunosuppressive agents;
Bone marrow transplantation;
The life assured has suffered or undergone one of the following conditions :
Haemopoietic stem cell transplantation.
Chronic liver failure
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 CD4 cell count of less than 200/ul despite appropriate continuous antiretroviral therapy.
Full payment
The life assured suffers an unequivocal diagnosis of end-stage liver failure confirmed by an appropriate specialist and evidenced by one of the following conditions:
permanent jaundice;
There must be an associated AIDS defining illness with AIDS resulting in at least one of the following:
ascites; or
encephalopathy.
Kaposi's Sarcoma or Lymphoma.
Partial payment
Pneumocystis Carinii infection, cryptococcal infection or any other opportunistic infection of the lungs or nervous system.
The unequivocal diagnosis of irreversible chronic liver failure by an appropriate specialist . The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured . Chronic lung disease The life assured has irreversible chronic lung disease as confirmed by an appropriate specialist on the basis of respiratory function tests and which satisfies any one of the following criteria:
Tuberculosis or other mycobacterium infection at any site.
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;
Type 1 respiratory failure defined as O2 <60mm hg; or
Type 2 respiratory failure defined as CO2 >45 mm hg; or
the provision of home oxygen therapy according to clinical practice guidelines for hypoxia O2 <55 mm hg (or 60 mm hg in the presence of pulmonary hypertension); or
FEV1 <35% predicted; or
DLCO (diffusing capacity or gas transfer) < 40% predicted; or
is unable to perform at least one of the activities of daily living as a result of the respiratory failure.
Severe diabetic neuropathy causing motor and/or autonomic impairment;
Chronic renal failure The kidneys of the life assured have reached the end-stage of renal disease resulting in chronic irreversible failure of the kidneys to function, as a result of which regular renal dialysis is instituted or transplantation performed. Cognitive impairment A permanent and irreversible loss of cognitive function that requires the life assured to be under continual care and supervision by an appropriate carer for at least 8 hours per day, as certified by an appropriate specialist.
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;
Marrow stimulating agents;
1105 AL-CC version 8 Effective 12 May 2026
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