individual increase cannot exceed the amount of the home loan or the increase in the home loan.
a)
Increases in sum assured added to this policy
After an increase under this Facility has been made, AIA will not pay the increased benefit amount if, before the increase, or within six months of the Facility being exercised, the life assured :
In the case of an annual salary increase, the individual increase cannot exceed five times the annual salary increase. The maximum increases outlined above each apply in respect of all Total Permanent Disablement and similar benefits for that life assured across all AIA policies .
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.
The following maximum sum assured limits also apply across all AIA policies for each life assured :
$5,000,000 for Total Permanent Disablement and similar benefits, including increases under this Facility; and $5,000,000 for Critical Conditions, Progressive Care, Total Permanent Disablement and similar benefits (combined), including increases under this Facility.
b) Increases in sum assured issued as an additional new policy
Where this policy or any part of the sum assured under it, has been issued as the result of an increase under the Special Events Increase Facility or as the result of a Total Permanent Disablement Future Insurability Benefit increase, then: The Special Events Increase Facility will not be available under this policy for the proportion of the sum assured that represents the increase. AIA will not pay the increased benefit amount if, before the increase, or within six months of the increase, the life assured :
What are the other conditions applying to this facility?
You do not need to produce any medical evidence regarding the life assured when you request this increase, but any Special Events Increase is subject to the following conditions: You must make the request within 60 days either side of the relevant special event and provide AIA with suitable evidence of the occurrence of the event. A life assured is only eligible for special events increases where the special event occurs before age 55. 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. If a Total Permanent Disablement Future Insurability Benefit increase or another Special Events Increase has occurred in the previous 12 months or (if applicable) the Special Events Total Permanent Disablement/Trauma Facility under the Life Cover Benefit and/or similar benefits has been exercised in the previous 12 months to add an accelerated Total Permanent Disablement Benefit, then no increase is available under this Facility.
− 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.
14. Total Permanent Disablement Future Insurability Benefit
At every third policy anniversary date you may write to AIA asking us to increase the Total Permanent Disablement Benefit for a life assured . You do not need to produce any medical evidence regarding the life assured when you request this increase, but any Total Permanent Disablement Future Insurability Benefit increase in sum assured is subject to the following conditions: You must request the increase by providing written advice to AIA within 60 days either side of the applicable anniversary date . Each individual increase cannot exceed 20% of the original Total Permanent Disablement Benefit sum assured or $200,000, whichever is the lesser.
AIA will increase the Total Permanent Disablement Benefit for a life assured from the date we accept your request.
Each increase will require an increase in premium . This increase will be calculated on the rates applicable at the time the Special Events Increase Facility is exercised. Any loadings, exclusions or special terms on the original Total Permanent Disablement Benefit sum assured will be applied to the increased amount.
The total of all Total Permanent Disablement Future Insurability Benefit increases for a life assured cannot
When will AIA not pay a claim under this facility?
1104 AL-TPD version 4 Effective 12 May 2026
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