6.
Built-in Children’s Trauma Conversion Facility
Absence of one or more limbs .
Tetralogy of Fallot.
The Built-in Children’s Trauma Benefit can be converted to:
Transposition of Great Vessels.
a standalone Critical Conditions Benefit; or
Deafness.
an accelerated Critical Conditions Benefit with an equal amount of Life Cover benefit,
Please refer to Section 23 for the definitions of these conditions .
with a maximum sum assured of $50,000 or 50% of the life assured’s original sum assured whichever is the lesser, without further medical evidence. Where the life assured’s sum assured has reduced the conversion will be calculated on the reduced amount. If the Optional Children’s and Maternity Benefit is shown on the schedule , it can also be converted to a standalone Critical Conditions Benefit or an accelerated Critical Conditions Benefit with an equal amount of Life Cover benefit with a maximum sum assured of $75,000 without further medical evidence.
In order for AIA to pay a claim under this Benefit, we will require medical information from a registered medical practitioner acceptable to us that conclusively evidences the condition . In circumstances where a conclusive diagnosis cannot be made at birth, we will defer our assessment of the claim until sufficient evidence can be supplied. For example, this might apply in the case of total blindness or deafness, where a conclusive diagnosis may not be possible until later in the child’s life. In these cases, the claims assessment will be based on the child’s sight or hearing impairment at the date that conclusive diagnosis is first possible. A claim is only payable under the Built-in Newborn Children’s Benefit if cover remains in effect for the life assured up to the date that the conclusive diagnosis for the child occurs.
The following conditions are applicable to both Children’s Trauma Conversion options:
A conversion cannot occur if the child has claimed or was eligible to claim under the Built-in Children’s Trauma Benefit and/or Optional Children’s and Maternity Benefit; and Your request for conversion must be received by AIA within 60 days of the anniversary date after the child’s 21 st birthday; and
How much will AIA pay?
The Benefit payable is the lower of $50,000 or 50% of the sum assured across all Critical Conditions Benefit policies for the life assured . AIA will pay a maximum of one claim per child under either the Built-in Newborn Children’s Benefit or the Built-in Children’s Trauma Benefit, across all AIA policies . The Built-in Newborn Children’s Benefit is only payable where the birth of the child with one of the applicable conditions occurs at least 12 months after the risk commencement date . This requirement applies anew to all added cover from the date the cover commences; including cover added using the Built-in Critical Conditions Future Insurability Benefit, the Special Events Increase Facility, or the Special Events TPD/Trauma Facility under the Life Cover Benefit. The Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit is payable in addition to the Optional Children’s and Maternity Benefit (if applicable). Payment of the Built-in Newborn Children’s Benefit will not affect the amount of any Critical Conditions Benefit payable for the life assured .
Your request must be received in writing.
An applicable premium will be payable on converted cover.
7.
Built-in Standalone Conversion Facility
If the schedule shows the Critical Conditions Benefit as standalone you can convert this to an accelerated Critical Conditions Benefit with an equal amount of Life Cover Benefit without any further medical evidence subject to the following:
The life assured was accepted with standard underwriting terms (e.g. there are no special terms, exclusions or premium loadings applicable to the life assured );
The life assured is only eligible for the Standalone Conversion Facility where the conversion occurs before age 60;
The life assured has not made a claim, with AIA or any other insurer, and is not eligible to make a claim under
their standalone Critical Conditions Benefit. This includes any claim currently under assessment;
The premiums for their standalone Critical Conditions Benefit are paid up to date;
The accelerated Critical Conditions Benefit sum assured
1105 AL-CC version 8 Effective 12 May 2026
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