Severe burns
Intensive care benefit
Full payment
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. 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.
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
50% of both hands, requiring surgical debridement and/or grafting; or
25% of the face, requiring surgical debridement and/or grafting.
Partial payment
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:
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: both hands, requiring surgical debridement and grafting; or
the face, requiring surgical debridement and grafting.
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured.
Severe Crohn’s disease A life assured has been unequivocally diagnosed with Crohn’s disease that requires permanent immunosuppressive medication or as a result of the diagnosis has undergone a surgical procedure to remove the entire large bowel. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured . Severe illness or injury If the life assured suffers a medical condition that does not satisfy any condition leading to either a full or partial claim under this policy and it is deemed medically necessary to:
Kidney;
Heart;
Lung;
Liver;
Pancreas;
Bone marrow; or
Intestine.
The transplant of all other organs or parts of any organ or of any other tissue or stem cell transplant is excluded.
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 .
undergo major invasive surgery ; or
be treated using major interventional treatment ;
which results in:
a stay in an intensive care unit for a period greater than 48 continuous hours; or
a stay in a high dependency unit for a period greater than 96 continuous hours;
and the life assured is unable to perform at least one basic activity of daily living for a continuous period of 90 days from first being admitted into the intensive care unit or high
1105 AL-CC version 8 Effective 12 May 2026
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