dependency unit (as applicable) as certified by an appropriate specialist .
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 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 ulcerative colitis A life assured has been unequivocally diagnosed by an appropriate specialist with ulcerative colitis 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. Systemic Lupus Erythematosus with lupus nephritis The life assured has been unequivocally diagnosed by an appropriate specialist with systemic lupus erythematosus with lupus nephritis in the clinical setting, evidenced by the presence of any four or more of the following twelve criteria: Malar rash: Fixed erythema, flat or raised, over the malar eminences, tending to spare the nasolabial folds. Discoid rash: Erythematosus, raised patches with adherent kerotic scaling and follicular plugging, atrophic scarring may occur in older lesions. Photosensitivity: Skin rash as a result of unusual reaction to sunlight, evidenced by patient history or specialist’s report. Oral ulcers: Oral or nasopharyngeal ulceration reported by physician. Arthritis: Non-erosive arthritis involving two or more peripheral joints, characterised by tenderness, swelling, or effusion. Serositis: Pleuritis – convincing history of pleuritic pain or pleuritic rub heard by a physician or evidence of pleural effusion; or pericarditis – documented by ECG or rub or evidence of pericardial effusion. Renal disorder: Persistent proteinuria greater than 0.5 grams per day; or greater than 2+ if quantitation not performed; or tubular casts – may be red cell, haemoglobin, granular, cellular or mixed. Neurological disorder: Seizures – in the absence of offending drugs or known metabolic derangements, e.g. uraemia, ketoacidosis; or electrolyte imbalance. Hematologic disorder: Hemolytic anaemia – with reticulocytosis; or leucopoenia – less than 3,500/mm3
Severe osteoporosis
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.
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 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:
a. evidence that at least three or more of the following joints are affected:
Metacarpophalangeal joints in the hands;
Proximal interphalangeal joints in the hands;
Metatarsophalangeal joints in the wrist, elbow, foot, knee, or ankle; and
b. positive rheumatoid serology or other appropriate diagnostic test evidencing rheumatoid arthritis, together with evidence confirming at least three of the following criteria:
Simultaneous bilateral and symmetrical joint soft tissue swelling or fluid;
Joint deformity typical of rheumatoid arthritis;
1105 AL-CC version 8 Effective 12 May 2026
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