When will AIA not pay a claim for an increase under this Facility?
What are the other conditions applying to this Facility?
You do not need to produce any medical evidence regarding the life assured when you request this increase, but any Special Events Increase is subject to the following conditions: You must make the request within 60 days either side of the relevant special event and provide AIA with suitable evidence of the occurrence of the event. A life assured is only eligible for Special Events Increases where the special event occurs from the age of 16 and before age 55. If, at any time before you seek to exercise the Facility, a claim for the life assured had been accepted by us or notified to us, AIA will have discretion in determining whether the Facility can be exercised. In exercising discretion, we will consider whether, based on the medical evidence submitted in support of the claim, the life assured represents an increased risk of claim for the benefit being added under this Facility.
a.
Increases in sum assured added to this policy
After an increase under this Facility has been made, AIA will not pay the increased benefit amount if, before the increase, or within six months of the Facility being exercised, the life assured :
suffers any condition for the first time other than due to an accident under the Critical Conditions Benefit; or
has any symptoms or signs leading to a condition (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the Critical Conditions Benefit.
b.
Increases in sum assured issued as an additional new policy
Where this policy or any part of the sum assured under it, has been issued as the result of an increase under the Built- in Special Events Increase Facility, then: the Special Events Increase Facility will not be available under this policy for the proportion of the sum assured that represents the increase; AIA will not pay the increased benefit amount if, before the increase, or within six months of the increase, the life assured : − suffers any condition for the first time other than due to an accident under the Critical Conditions Benefit; or − has any symptoms or signs leading to a condition (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the Critical Conditions Benefit.
Only one of the following is available in any 12 month period:
− A Critical Conditions Future Insurability Benefit increase (see Section 10 below).
A Special Events Increase under a Critical Conditions Benefit, Progressive Care Benefit or Severe Trauma Benefit. (If applicable) exercising the Special Events TPD/Trauma Facility under the Life Cover Benefit and/or similar benefits to add an accelerated Critical Conditions Benefit, an accelerated Progressive Care Benefit or an accelerated Severe Trauma Benefit.
−
−
The Optional Early Cancer Upgrade Benefit is not available for the purposes of determining Special Event Increases.
10.
Built-in Critical Conditions Future Insurability Benefit
AIA will increase the Critical Conditions Benefit for a life assured from the date we accept your request.
Each increase will require an increase in premium . This increase will be calculated on the rates applicable at the time the Built-in Special Events Increase Facility is exercised. Any loadings, exclusions or special terms on the original Critical Conditions Benefit sum assured will be applied to the increased amount. If you have the Optional Critical Conditions Buyback Benefit or the Optional Life Cover Buyback Benefit selected on the policy for your original Critical Conditions Benefit, you can choose to add these benefits to the portion of the increased sum assured when you exercise the Special Events Increase Facility.
At every third policy anniversary date you may write to AIA asking us to increase the Critical Conditions Benefit for a life assured . You do not need to produce any medical evidence regarding the life assured when you request this increase, but any increase in sum assured under this Benefit is subject to the following conditions: You must request the increase by providing written advice to AIA within 60 days either side of the applicable anniversary date . Outside of this time frame, the Critical Conditions Future Insurability Benefit is not available. Each individual increase cannot exceed 20% of the original Critical Conditions Benefit sum assured or $200,000, whichever is the lesser.
1105 AL-CC version 9 Effective 22 September 2026
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