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. The total of all Critical Conditions Future Insurability Benefit increases for a life assured cannot exceed 100% of the original Critical Conditions Benefit for that life assured or $500,000, whichever is the lesser. Both of the following maximum sum assured limits also apply across all AIA policies for each life assured : a. The total of the sum assured for all Critical Conditions Benefits, Progressive Care Benefits, Severe Trauma Benefits, and similar trauma benefits (combined), including increases under this Benefit must not exceed $2,000,000; and b. The total of the sum assured for all trauma benefits combined must not exceed $2,000,000 and the total sum assured for all trauma and Total Permanent
Conditions Benefit, an accelerated Progressive Care Benefit, or Severe Trauma Benefit.
The Optional Early Cancer Upgrade Benefit is not available for the purposes of determining Built-in Critical Conditions Future Insurability Benefit increases.
Each Built-in Critical Conditions Future Insurability Benefit increase in sum assured will require an increase in premium . This increase will be calculated on the rates applicable at the time the Built-in Critical Conditions Future Insurability Benefit is exercised. Any loadings, exclusions or special terms on the original Critical Conditions Benefit sum assured will be applied to the increased amount. The Built-in Critical Conditions Future Insurability Benefit is not available for the Optional Early Cancer Upgrade Benefit or the Optional Children’s and Maternity Benefit. 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 Built-in Critical Conditions Future Insurability Benefit.
Disablement Benefits (and similar benefits) combined must not exceed $5,000,000.
Where this Critical Conditions Benefit is shown in the schedule as accelerated against the Life Cover Benefit, the Critical Conditions Benefit, including the total of all Critical Conditions Future Insurability Benefit increases, cannot exceed the sum assured of the Life Cover Benefit. See Section 2 ‘What effect does payment of an accelerated Critical Conditions Benefit have on the Life Cover Benefit’ for details. A life assured is only eligible for Critical Conditions Future Insurability Benefit increases from the age of 16, and before age 55.
When will AIA not pay a claim for an increase under this Benefit?
a.
Increases in sum assured added to this policy
After a Built-in Critical Conditions Future Insurability Benefit increase has been made, AIA will not pay the increased 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
AIA will increase the Critical Conditions Benefit for a life assured from the date we accept your request.
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.
If, at any time before you seek to exercise an increase under this Benefit, a claim for the life assured had been accepted by us or notified to us, AIA will have discretion in determining whether the increase will be accepted. In exercising discretion, we will consider, based on the medical evidence submitted in support of the claim, whether the life assured represents an increased risk of claim for the cover being added under this 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 Critical Conditions Future Insurability Benefit, then the Built-in Critical Conditions Future Insurability Benefit under this policy will not be available for the proportion of the sum assured that represents the increase.
Only one of the following is available in any 12 month period:
− A Built-in Critical Conditions Future Insurability Benefit increase;
A Special Events Increase under a Critical Conditions Benefit, Progressive Care Benefit or Severe Trauma Benefit; or (If applicable) exercising the Special Events TPD/Trauma Facility under the Life Cover Benefit and/or similar benefits to add an accelerated Critical
−
AIA will not pay the increased 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
1105 AL-CC version 8 Effective 12 May 2026
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