the support treatments and/or consultations directly relate to a claim under the Total Permanent Disablement Benefit. After referral by a registered medical practitioner we will reimburse up to $2,500 including GST (in total) per life assured , subject to the following conditions: The consultation and/or counselling must be paid for within 12 months following AIA paying the Total Permanent Disablement Benefit claim; and
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.
13. Special Events Increase Facility
What is the special events increase facility?
AIA must be provided with a receipt for the consultation and/or counselling being claimed.
On each occasion that one of the following circumstances occurs for a life assured on the Total Permanent Disablement Benefit:
The $2,500 is payable once per life assured per policy. This is in addition to the sum assured.
Having a child (by birth or legal adoption);
12. Suspension of Cover Benefit
Becoming married or entering into a civil union;
A life assured can suspend their cover under this benefit appendix for up to 12 months if they:
Becoming legally separated, divorced or the dissolution of the life assured’s civil union;
go on parental leave;
Financially supporting a dependent child through a first course of full-time tertiary education;
go on leave without pay for any reason;
become unemployed or redundant;
The commencement of secondary school for the first time by a child of the life assured ;
experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year); or
Taking out or increasing a home loan because the life assured has purchased a new home, a new residential investment property, a vacation home, or a bare block of land zoned as residential, or is making extensions to a residential property or residential investment property owned by the life assured ;
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:
Becoming responsible for the full-time care or payment for long term care of a close relative ;
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
Receiving an annual salary increase. This special event is not available to a life assured who is self- employed;
AIA acknowledges in writing receipt of that notification.
Experiencing the death of a spouse, civil or de facto partner,
Cover for the life assured will be suspended from the date set out in AIA ’s written acknowledgment.
you may write to AIA asking us to increase the Total Permanent Disablement Benefit for that life assured .
No premium will be payable during the period that the cover is suspended.
What is the maximum cover that can be added?
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.
The maximum increase for each special event cannot exceed the lower of:
50% of the original Total Permanent Disablement Benefit for the life assured ; or
$250,000.
The total of all increases made under this Facility cannot exceed the lower of:
100% of the original Total Permanent Disablement Benefit for the life assured ; or
$750,000.
At the end of the suspension period, the benefit will be automatically reinstated for the life assured .
In the case of taking out or increasing a home loan, the
1104 AL-TPD version 4 Effective 12 May 2026
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