The life assured has been unequivocally diagnosed by an appropriate specialist as suffering from severe osteoporosis. The diagnosis must confirm that the life assured : suffers at least two vertebral body fractures or a fracture of the neck of the femur, due to osteoporosis; and has a bone mineral density reading with a T-score of less than -2.5 (i.e. 2.5 standard deviations below the young adult mean for bone density). This must be measured in at least two sites by dual energy x-ray absorptiometry (DEXA). No benefit is payable in cases where there are spontaneous fractures or minimal traumas that are due to an accident but where coincidental osteoporosis exists.
50% of both hands, requiring surgical debridement and/or grafting; or
25% of the face, requiring surgical debridement and/or grafting.
Partial payment
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:
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Personal AIA policies for the life assured.
25% of the sum assured up to a maximum of $75,000 across all Personal AIA policies for the life assured if the unequivocal diagnosis occurs before the life assured is 50 years of age; or 25% of the sum assured up to a maximum of $10,000 across all Personal AIA policies for the life assured if the unequivocal diagnosis occurs after the life assured is over 50 years of age. Severe rheumatoid arthritis The life assured has been unequivocally diagnosed by an appropriate specialist as suffering from clinically severe rheumatoid arthritis persisting for at least six weeks. The diagnosis must be supported by:
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:
a. evidence that at least three or more of the following joints are affected:
Metacarpophalangeal joints in the hands;
undergo major invasive surgery ; or
Proximal interphalangeal joints in the hands;
be treated using major interventional treatment ;
Metatarsophalangeal joints in the wrist, elbow, foot, knee, or ankle; and
which results in:
a stay in an intensive care unit for a period greater than 48 continuous hours; or
b. positive rheumatoid serology or other appropriate diagnostic test evidencing rheumatoid arthritis, together with evidence confirming at least three of the following criteria:
a stay in a high dependency unit for a period greater than 96 continuous hours;
Simultaneous bilateral and symmetrical joint soft tissue swelling or fluid;
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 dependency unit (as applicable) as certified by an appropriate specialist .
Joint deformity typical of rheumatoid arthritis;
Rheumatoid nodules beneath the skin;
X-ray imaging showing erosion to joints typical of rheumatoid arthritis.
A medical condition arising from alcohol or drug abuse or other self-inflicted means is specifically excluded.
Degenerative osteoarthritis and all other arthritides are excluded.
This Benefit does not apply to any condition specifically excluded in this policy or where an underwriting exclusion has been applied.
The benefit payable is:
25% of the sum assured up to a maximum of $75,000 across all Personal AIA policies for the life assured if the unequivocal diagnosis occurs before the life assured is 50 years of age; or
Severe osteoporosis
1105 AL-CC version 9 Effective 22 September 2026
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