9.
How to make a claim
Any special terms, exclusions or premium loading that
applied to your existing Family Protection Benefit under this policy will apply to your new Family Protection Benefit under the new policy.
To make a claim, you must follow the relevant procedures in the section of your AIA Living policy entitled ’How to make a claim’. In addition, for a Family Protection Benefit claim, AIA will require:
8.
Suspension of Cover Benefit
A life assured can suspend their cover under this benefit appendix for up to 12 months if they:
A full death certificate (in the event of the death of a life assured), and a coroner’s report if applicable. A grant of administration – probate, or certificate of administration, or letters of administration if the deceased was the sole policy owner.
go on parental leave;
go on leave without pay for any reason;
become unemployed or redundant;
10. Exclusions – when AIA won’t pay a benefit AIA will not pay any benefit under this appendix where the life assured dies as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase you make. AIA will not pay a Parents Grieving Benefit if death directly or indirectly arises from an injury caused by you, or the child’s parents or guardian(s).
experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year); or if self-employed, experience a 30% reduction in revenue (by comparing one month’s revenue against the same month for the previous year),
provided that:
The premium type shown in the schedule for the Family Protection Benefit is Rate for Age;
you notify AIA within three months of one of the above
listed suspension events occurring and provide evidence to AIA of the suspension event; and
11. Key terms
AIA acknowledges in writing receipt of that notification.
accidental death
Death which is the result of external or internal bodily injury caused directly by violent, accidental, external and visible means, not attributable to any other event. The period in years, from the death of the life assured , chosen when you selected a fixed term benefit. This will be shown in the schedule . The age chosen when you selected a to age benefit, as shown in the schedule . Any benefit will be payable until the life assured would have attained that age.
Cover for the life assured will be suspended from the date set out in AIA ’s written acknowledgement.
No premium will be payable during the period that the cover is suspended.
No claim under this benefit appendix will be payable for any claim event that occurs during the period that the cover is suspended. A claim may only be payable if the life assured first meets the criteria for an eligible claim under this policy after their cover is reinstated. Cover under this benefit appendix may be reinstated at the end of the suspension period in accordance with this Section without the need to provide further medical evidence, provided that the benefit has been suspended for no longer than 12 months.
fixed term
to age
At the end of the suspension period, the benefit will be automatically reinstated for the life assured .
Cover for the life assured will be reinstated from the date set out in AIA’s written acknowledgement.
The premium payable for the reinstated benefit will be based on AIA’s premium rates at the time of the reinstatement.
1103 AL-FP version 6 Effective 12 May 2026
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