> The date that the life assured complied with the relevant requirement(s) will, subject to the provisions of this appendix, be treated as the disablement date for a new claim.
Activities of Daily Living
Activities of Daily Living are:
> Bathing and showering.
> Dressing and undressing.
> The waiting period will be waived for the new claim.
> Eating and drinking.
> If the benefit payment period is one, two or five years, the original claim and the new claim will be considered to be the same claim in respect of the benefit payment period . > No monthly benefit payments will be payable retrospectively for any period of time before the date that the life assured subsequently complies with the relevant requirement(s).
> Using a toilet.
> Moving from place to place by walking, in a wheelchair or with a walking aid. The term for which the life assured is insured for the Income Protection Benefit as stated in the schedule . The maximum term for which the Income Protection Benefit is payable as stated in the schedule . For benefit payment periods of one, two or five years: a) the benefit payment period commences at the end of the waiting period and ceases either one year, two years or five years (whichever is stated in the schedule ) later or when the life assured turns 65, whichever is earlier; and b) the one year, two year or five year period (whichever is stated in the schedule ) is the total period for which benefits will be payable for all claims arising from the same or a related illness or injury. The date the life assured became totally disabled or partially disabled . Care for 16 hours per day or more, provided by a nursing service approved by AIA whose profession it is to provide nursing services or provided by a registered medical practitioner . Any income that the life assured receives or is entitled to receive from his or her current or former employment or business/es. This includes:
benefit term
29.
When will this appendix terminate for a life assured ?
benefit payment period
This appendix will terminate and eligibility for the Income Protection Benefit will cease for a life assured : > At the expiry of the benefit term as shown in the schedule .
> When the life assured dies.
> When the benefit is cancelled.
30.
Exclusions – When AIA won’t pay a benefit
AIA will not pay any of the benefits listed in this appendix where any of the following directly or indirectly cause or contribute to the disability: > The life assured deliberately injures himself or herself or attempts to do so. > The life assured engages in or is part of any conduct that is criminal. > Pregnancy of, or childbirth by, the life assured , unless the disability lasts for more than 90 days after the end of pregnancy, in which case the waiting period will start from the 91 st day. > The life assured does not comply with the treatment recommended by the attending treatment providers. If the life assured is imprisoned or sentenced to home detention for any reason, no monthly benefit will be payable during the term of imprisonment or home detention.
disablement date
full-time care
income
31.
Key terms
actively engaged
Working an average of more than 30 hours per week in the six months prior to cancellation of Business Overheads, Business Continuity, Rural Continuity or Locum Cover. Undertaking any activity carried on for the production of income from selling goods or performing services.
a)
Life assured’s share of profits of the business (and/or any associated entities), after the
actively trading
deduction of business expenses, which are
determined in line with the usual manner that profits and/or losses of the business
1115 AL-IND version 5 Effective 12 May 2026
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