to the Life Cover for that life assured , without providing further medical evidence. This Facility can be exercised in combination with the Life Cover Special Events Increase Facility for a given special event or this Facility can be exercised by itself.
premium .
When will AIA not pay a claim under this Facility?
After the Special Events TPD/Trauma Facility has been exercised, AIA will not pay a benefit under the added benefit, if, at any time before the Facility was exercised, or within six months of the Facility being exercised, the life assured : Suffers any claim event for anything other than an accident under the benefit, or Has any symptoms or signs leading to a claim event (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the benefit.
What is the maximum cover that can be added?
The maximum cover allowed will be the lower of: 50% of the original Life Cover Benefit for that life assured ; or $100,000. The following maximum sum assured limits also apply across all AIA policies for each life assured : $2,000,000 for Critical Conditions, Progressive Care and similar benefits (combined), including cover added under this Facility; $5,000,000 for Total Permanent Disablement and similar benefits, including cover added under this Facility; and $5,000,000 for Critical Conditions, Progressive Care, Total Permanent Disablement and similar benefits (combined), including cover added under this Facility. This Facility can only be exercised once per life assured in respect of all Life Cover and/or similar benefits for that life assured across all AIA policies .
8.
Financial and Legal Advice Benefit
If AIA pays a claim under the Life Cover Benefit, the Specified Terminal Conditions Benefit, or the Terminal Illness Benefit then AIA will reimburse you for fees incurred up to $2,500 including GST (in total) that you pay for financial planning you receive from an accredited Adviser or legal advice received from a legal professional approved by AIA , subject to the following conditions: You must pay for the financial planning or legal advice within the 12 months following AIA paying the Life Cover Benefit claim. AIA will only pay one Financial and Legal Advice Benefit per life assured across all AIA policies . This is in addition to the sum assured.
What are the other conditions applying to this Facility?
The Special Events TPD/Trauma Facility is not available in any of the following circumstances:
If the Special Events TPD/Trauma Facility has previously been exercised for the life assured ;
9.
Repatriation Benefit
If the life assured is aged 50 or over;
If the life assured dies, AIA will reimburse the policy owner(s) for the costs of returning the life assured’s body to New Zealand or their home country upon receipt of evidence acceptable to AIA . If the life assured is the sole policy owner , AIA will reimburse the person that has paid for the costs of repatriation upon receipt of evidence acceptable to AIA . The maximum amount of the Repatriation Benefit across all AIA policies for that life assured is the lower of:
If the Life Cover Benefit was issued at other than standard rates or with exclusions;
If Total Permanent Disablement, Critical Conditions, or Progressive Care or similar benefits have previously been applied for in respect of the life assured and AIA’s underwriting decision was to decline cover or to offer cover at non-standard rates or with exclusions. 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 the life assured represents an increased risk of claim for the benefit being added under this Facility. At the time of adding an accelerated Total Permanent Disablement Benefit under this Facility, the life assured must be employed in an occupation that is eligible for this benefit under AIA’s underwriting guidelines at that time. To use the Special Events TPD/Trauma Facility, you must provide written advice to AIA within 60 days either side of the special event and provide AIA with suitable evidence of the occurrence of the special event. Premiums will be adjusted to reflect the cover added using the Special Events TPD/Trauma Facility. The added cover begins on the date we issue the new cover to the policy owner , and is subject to payment of the additional
The Life Cover Benefit; or
$25,000.
The Repatriation Benefit will be treated as an early payment of the Life Cover Benefit. The Life Cover Benefit will then be reduced by the amount paid. The Repatriation Benefit may be paid in addition to the Bereavement Support Benefit but no more than the Life Cover Benefit sum assured will be paid for both benefits.
10. Counselling Benefit
The Counselling Benefit covers the cost of a Psychiatrist or Psychologist consultation and/or counselling for the life assured and/or a close relative of the life assured where the support treatments and/or consultations directly relate to a claim under the Life Cover Benefit, the Specified Terminal Conditions Benefit or Terminal Illness Benefit. After referral
1101 AL-LIFE version 6 Effective 12 May 2026
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