24.
Definitions of conditions for the Optional Children’s and Maternity Benefit
25.
Key terms
accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event. The total and irreversible disablement of the life assured with the effect that he or she is unable to perform without the physical assistance of someone else, at least one of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment AIA will treat the life assured as being able to perform that activity):
Pregnancy Complications Benefit conditions
activities of daily living
Disseminated intravascular coagulation (DIC) Over activation of the coagulation and fibrinolytic system resulting in microvascular thrombosis and consumption of platelets and coagulation factors. DIC complicating pregnancy may follow any major haemorrhage, pre-eclampsia, amniotic fluid embolism, endotoxic shock, and when foetal death occurs after 20 weeks. Eclampsia The occurrence of grand mal seizures in the presence of hypertension, proteinuria and oedema complicating a pregnancy, and not being due to other causes such as epilepsy. Hydatidiform mole Development of multiple fluid filled cysts in the uterus after the degeneration of the placenta which results in the death of the embryo as confirmed by a registered medical practitioner .
Bathing and showering;
Dressing and undressing;
Eating and drinking;
Using a toilet;
Moving from place to place by walking, in a wheelchair, or with a walking aid.
A medically qualified carer, or caring full time for a person who would need hospital, rest home or residential care. Washing - The ability to wash oneself without physical assistance or supervision. This includes transferring in and out of the bath or shower.
appropriate carer
basic activity of daily living
Dressing - The ability to independently put on or take off
all garments, including the securing and unfastening
thereof. Where appropriate, this includes any braces, prosthesis or other surgical appliance. Feeding / eating - The ability to eat independently once food has been prepared and made available. Continence - The ability to manage bowel and bladder functions such that an adequate level of personal hygiene can be maintained. Mobility - The ability to move independently between indoor
1105 AL-CC version 8 Effective 12 May 2026
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