To take account of a significantly escalated or new public health threat e.g. a pandemic. AIA will give you at least 30 days’ prior notice of any change to the terms of the policy (unless the changes are given effect as a result of the Enhancement Pass Back Benefit). The notice will include an updated policy document and highlight any change to the premium and/or to your entitlements under it. You always retain the right to cancel this policy at any time.
7. Suspension of Cover
You may request a suspension of cover for a life assured under this policy: for up to 24 months if they travel overseas for a period of up to 24 months; or
for up to 12 months if the policy owner :
- becomes unemployed or redundant;
- goes on leave without pay for any reason;
- experiences at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year); or - if self-employed, experiences a 30% reduction in revenue (by comparing one month’s revenue against the same month for the previous year);
provided that:
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
AIA acknowledges in writing receipt of that notification.
Cover will also be suspended for a life assured if their qualifying benefits with AIA are suspended. Where cover is suspended in one of the circumstances described above, no premium for the particular life assured , or for all lives assured , is payable during the period of suspension and no cover will be provided for any claim event for that life assured or lives assured during the period of suspension. Cover for that life assured or the lives assured under this policy will be reinstated provided the premium is paid when the nominated period of suspension ends or within the maximum time periods described, whichever comes first. 8. When will this appendix terminate for a life assured ? This appendix will terminate and eligibility for the Specialist and Testing Support Benefit will cease for a life assured when:
The life assured dies.
The benefit is cancelled.
All of the life assured’s qualifying benefits with AIA are cancelled or reduced below the minimum qualifying sum assured requirements.
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1118 AL-STS Version 1 Effective 1 October 2025
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