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 22 for a full description of these conditions .)
If you receive a full payment claim for a life assured under this Critical Conditions Benefit, cover will cease for that life assured .
If you receive a partial payment of this Critical Conditions Benefit for a life assured , cover will continue for that life assured with the sum assured being reduced by the amount of the partial payment amount. The premium will reduce with the reduction in sum assured.
If the life assured suffers more than one condition (including the Optional Total Permanent Disablement condition ), AIA will pay a maximum of the Critical Conditions Benefit sum assured for all claims (in total).
1105 AL-CC version 8 Effective 12 May 2026
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