Chronic liver failure
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 . Unconsciousness caused by drug and alcohol abuse is specifically excluded.
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; ascites; or encephalopathy.
Partial payment
A state of unconsciousness with no reaction to stimuli or internal needs, persisting continuously for at least seven days, requiring assisted ventilation (including the use of endo-tracheal intubation and/or tracheostomy) in the intensive care unit of a hospital. Unconsciousness caused by drug and alcohol abuse is specifically excluded. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured . Major transplant surgery The life assured has undergone, or been placed on the major organ transplant waiting list in New Zealand or Australia for, a transplant from a human donor of one or more of the following organs or substances:
Partial payment
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:
Type 1 respiratory failure defined as O2 <60mm hg; or
Kidney;
Type 2 respiratory failure defined as CO2 >45 mm hg; or
Heart;
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
Lung;
Liver;
Pancreas;
FEV1 <35% predicted; or
Bone marrow; or
DLCO (diffusing capacity or gas transfer) < 40% predicted; or
Intestine.
The transplant of all other organs or parts of any organ or of any other tissue or stem cell transplant is excluded.
is unable to perform at least one of the activities of daily living as a result of the respiratory failure.
The transplant must be considered medically necessary and the condition affecting the organ deemed untreatable by any means other than organ transplant, as confirmed by an appropriate specialist . Pneumonectomy The life assured has undergone surgery to remove an entire lung. The treatment must be considered medically necessary by an appropriate specialist .
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.
Severe burns
Full payment
Intensive care benefit
The life assured has suffered severe tissue injury caused by thermal, electrical or chemical agents. As a result, the life assured has full thickness or third-degree burns to: at least 20% of the body surface area (as measured by age-appropriate use of The Rule of 9 or the Lund and Browder Body Surface Chart); or
Full payment
A state of unconsciousness with no reaction to stimuli or internal needs, persisting continuously for at least 96 hours, requiring assisted ventilation (including the use of endo-tracheal intubation and/or tracheostomy) in the intensive care unit of a hospital.
1105 AL-CC version 9 Effective 22 September 2026
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