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 on 2 or more occasions; or thrombocytopenia – less than 100,000mm3 in the absence of offending drugs. Immunologic disorder: Positive LE cell preparation; or anti-DNA: antibody to native DNA in abnormal titre; or anti-Sm: presence of antibody to Sm (Smooth Muscle) nuclear antigen; or false positive serologic test for syphilis known to be positive for at least 6 months and confirmed by Treponema pallidum immobilisation or fluorescent treponemal antibody absorption test. Antinuclear antibody: An abnormal titre of antinuclear antibody by immunofluorescence or an equivalent assay at any point in time and in the absence of drugs
known to be associated with ‘drug-induced lupus' syndrome. Alopecia: Diffuse thinning and fragility of the hair in the absence of other causes (such as alopecia areata, drugs, iron deficiency and androgenic alopecia). In addition to the diagnosis of systemic lupus erythematosus, lupus nephritis must be confirmed by renal changes as measured by a renal biopsy that it is grade 3 to 5 of the WHO (World Health Organisation) classification of lupus nephritis and be associated with persisting proteinuria (more than 2+). Systemic Sclerosis The life assured has been unequivocally diagnosed by an appropriate specialist with systemic sclerosis, causing the life assured to be totally and irreversibly unable to perform any one of the activities of daily living without assistance of another adult person.
Terminal illness
The life assured has been diagnosed as having an illness where in AIA’s opinion despite all reasonable medical treatment they are expected to live for no more than 12 months. The registered medical practitioner treating the illness must provide supporting evidence of the illness, possible medical treatment, the prognosis and confirm that the definition of Terminal Illness has been met. The claim payment will be paid if the life assured is alive 14 days following the medical certification. The Terminal Illness Benefit will be treated as an early payment of the Critical Conditions Benefit. The Critical Conditions Benefit will then be reduced by any amount paid by the Terminal Illness Benefit.
This Benefit is only available if the words standalone Critical Conditions Benefit appears in the schedule .
Death of the life assured as a result of accident is not covered under the Terminal Illness Benefit.
24.
Definitions of conditions for the Built-in Newborn Children’s Benefit
Cleft palate A fissure of the palate at birth associated with possible separation of the lip extending into the nose. Clefts can occur on one or both sides of the upper lip.
The benefit will only be paid for those cases with cleft palate, or cleft lip and palate. No benefit is payable for cleft lip alone.
Down’s syndrome A genetic disorder caused by trisomy of chromosome 21. Diagnosis must be confirmed through a confirmatory blood test evidencing the disorder.
1105 AL-CC version 9 Effective 22 September 2026
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