rooms on a level surface with the assistance of a walking aid, including a wheelchair. Transferring - The ability to independently transfer from the bed to a chair with the assistance of a walking aid. A treatment, illness, surgical procedure or event, as specified in this appendix , which meets the specified definition. A health anomaly or defect, regardless of whether diagnosed or not:
from the intensive care unit as a step-down prior to transfer to the ward, or directly from the ward, recovery or emergency areas.
limb(s)
An arm, leg, hand or foot. In respect of this definition:
condition(s)
the arm starts from the shoulder joint and ends at the wrist joint;
the hand starts from the wrist joint;
congenital condition
the leg starts from the hip joint and ends at the ankle joint; and
which is present at birth; and
for which the individual had signs or symptoms within three months of birth.
the foot starts from the ankle joint.
major interventional treatment
Non-surgical procedures or treatments initiated to treat the claimed medical condition including but not limited to: stereotactic radiosurgery, laser therapy, ultrasonic aspiration, chemotherapy, immunotherapy or radiotherapy. Pharmaceutical therapies administered outside of a clinical setting are excluded. An invasive procedure occurring in a hospital operating theatre involving the incision, excision, manipulation, or suturing of tissue, under general anaesthesia, spinal anaesthesia, or epidural. Elective cosmetic procedures are excluded. A service or supply provided by a registered medical practitioner or specialist that AIA deems on reasonable grounds is necessary for the treatment of the disease, illness, or injury involved. Under no circumstances shall the following services or supplies be considered medically necessary:
Includes health anomalies or defects inherited or due to external environmental factors such as drugs, alcohol, or complications during pregnancy or delivery. The later of the effective date or the actual date from which we receive the increased premium for the Life Cover Benefit and Accelerated Critical Conditions Benefit cover. Care for 16 hours per day or more, provided by a nursing service approved by AIA whose profession it is to provide nursing services. Working to generate income through personal efforts by using the life assured’s time and skills. He or she can be self-employed, employed, earning fees, under contract, receiving commissions, working on contract or otherwise remunerated for his or her efforts. A specially staffed and equipped section of an intensive care complex that provides a level of care intermediate between intensive care and general ward care. Patients may be admitted to the high dependency unit:
date of conversion
major invasive surgery
full-time care
Medically necessary
gainful employment
high dependency unit
Those services or supplies that do not require the skills or services of a registered medical practitioner or specialist ; and Those services or supplies provided mainly for the comfort or convenience of the life assured .
1105 AL-CC version 8 Effective 12 May 2026
Page 29 of 30
Powered by FlippingBook