6. When does an ‘own occupation Total Permanent Disablement Benefit’ cease?
Level premium structure, of which term duration may be the same or less than current Level premium structure.
Cover under the ‘own occupation Total Permanent Disablement Benefit’ will cease and cover under the ‘any occupation Total Permanent Disablement Benefit’ will apply should the life assured of the benefit commence full- time domestic duties.
AIA will not require you or the life assured to produce further medical evidence at the time of conversion.
You will be issued a new policy for the sum assured amount of Total Permanent Disablement Benefit being converted, in which case: The Total Permanent Disablement Benefit under this policy will be reduced by the sum assured amount converted;
7. When will AIA pay a Partial Permanent Disablement Benefit?
Where the life assured has suffered:
The new policy will be issued based on the information provided at the time of conversion, together with the information provided in the original proposal; The terms and conditions of the new policy will be those which are then offered by us to the general public;
Permanent loss of the entire use of one limb (entire hand or entire foot) as a result of illness or accident; or Irrecoverable loss of sight in one eye as a result of illness or accident to the extent that visual acuity is reduced to 6/60 or less in that eye and/or the field of vision is reduced to 20 degrees or less of arc. AIA will pay 25% of the Total Permanent Disablement Benefit sum assured up to a maximum of $100,000 across all AIA policies . Only one claim can be made for the Partial Permanent Disablement Benefit per life assured . After you have made a claim under this Partial Permanent Disablement Benefit, the Total Permanent Disablement Benefit sum assured will be reduced by the claim amount, and premiums will be adjusted accordingly. If you have chosen the accelerated Total Permanent Disablement Benefit then Section 1 of this appendix also applies.
Premiums will be calculated on the current age of the life assured ; and
Any special terms, exclusions or premium loadings that applied to your existing Total Permanent Disablement Benefit under this policy will apply to your new Total Permanent Disablement Benefit under the new policy.
10. Assistance Benefit
If AIA pays a claim under this Total Permanent Disablement Benefit, then subject to the following conditions, AIA will reimburse you for costs up to $15,000 including GST (in total) that you pay for purchasing specialist equipment, completing home alterations or modifications to the life assured’s vehicle which are necessary as a result of the illness or accident which led to the life assured’s claim: You must incur the costs after the life assured suffers the Total Permanent Disablement and, no later than six months following the date AIA pays the Total Permanent Disablement Benefit claim. You must provide AIA with receipts and/or other evidence satisfactory to AIA for the costs you are claiming. AIA shall be entitled to arrange for an appropriately qualified health professional to assess any recommendation for specialist equipment or home alteration. AIA will only pay one Assistance Benefit per life assured across all AIA policies .
8. Financial and Legal Advice Benefit
If AIA pays a claim under this Total Permanent Disablement 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 Total Permanent Disablement Benefit claim. AIA will only pay one Financial and Legal Advice Benefit per life assured across all AIA policies . This benefit is in addition to the sum assured.
9. Premium Conversion Facility
This benefit is in addition to the sum assured.
You may at any time prior to the life assured reaching age 65:
11. Counselling Benefit
Convert all or part of your Total Permanent Disablement Benefit from the premium type shown in the schedule to a Level premium structure; or
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
Convert a Level premium structure to an alternate
1104 AL-TPD version 4 Effective 12 May 2026
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