Built-in Children’s Trauma Benefit (Section 4)
Optional Children’s and Maternity Benefit (Section 17)
90 day stand down period
Full payment
Partial Payment
Cognitive impairment
✓
✓
✓
-
-
✓
✓
Intensive care
✓
✓
-
(partial payment unavailable)
(partial payment unavailable)
Major transplant surgery
✓
✓
✓
-
-
Pneumonectomy
✓
✓
✓
-
-
✓
✓
Severe burns
✓
✓
-
(partial payment unavailable)
(partial payment unavailable)
Severe Crohn’s disease Severe illness or injury
✓
✓
-
-
-
✓
✓
✓
✓
-
Severe osteoporosis
✓
✓
-
-
-
Severe rheumatoid arthritis Severe ulcerative colitis Systemic lupus erythematosus with lupus nephritis
✓
✓
-
-
-
✓
✓
-
-
-
✓
✓
✓
-
-
Systemic sclerosis
✓
✓
✓
-
-
Terminal illness
✓
✓
✓
-
-
Optional condition
Total Permanent Disablement
✓
-
-
-
-
(Refer to Section 23 for a full description of these conditions .)
What happens to cover after AIA pays a claim?
If AIA accepts a full payment claim under the Critical Conditions Benefit for a life assured , cover for that life assured will cease.
If AIA accepts a partial payment claim under the Critical Conditions Benefit for a life assured , cover for that life assured will continue, and the sum assured and premium will reduce in line with the partial payment.
The above does not apply if the Optional Continuous Critical Conditions Benefit is shown in the schedule for that life assured , in which case cover may continue in accordance with Section 20.
The most AIA will pay:
If a life assured suffers more than one condition (including the Optional Total Permanent Disablement condition ), AIA will pay the full Critical Conditions Benefit sum assured no more than once for that life assured for all claims in total.
This does not apply if the Optional Critical Conditions Buyback and Optional Continuous Critical Conditions Benefit is shown in the schedule for that life assured , in which case the most AIA will pay is set out in Sections 19 and 20.
1105 AL-CC version 9 Effective 22 September 2026
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