exceed 100% of the original Total Permanent Disablement Benefit for that life assured or $500,000, whichever is the lesser. The maximum sum assured for the Total Permanent Disablement Benefit cannot exceed $5,000,000 across all AIA policies including Total Permanent Disablement Future Insurability Benefit increases. The total sum assured for Critical Conditions, Progressive Care, Total Permanent Disablement and similar trauma benefits (combined) must not exceed $5,000,000, including Total Permanent Disablement Future Insurability Benefit increases. Where this Total Permanent Disablement Benefit is accelerated against the Life Cover Benefit, the Total Permanent Disablement Benefit, including the total of all Total Permanent Disablement Future Insurability Benefit increases, cannot exceed the sum assured of the Life Cover Benefit. See Section 1 “What effect does payment of an accelerated Total Permanent Disablement Benefit have?” for details. A life assured over the age of 55 is not eligible for Total Permanent Disablement Future Insurability Benefit increases. AIA will increase the Total Permanent Disablement Benefit for a life assured from the date we accept your request. You will not be eligible for a Total Permanent Disablement Future Insurability Benefit increase if a claim has been accepted for the life assured or you have notified us of a claim event for that life assured which is under assessment. If a 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 Total Permanent Disablement Future Insurability Benefit increase is available. Each Total Permanent Disablement Future Insurability Benefit increase in the sum assured will require an increase in premium . This increase will be calculated on the rates applicable at the time the Total Permanent Disablement Future Insurability Benefit is exercised. Any loadings, exclusions or special terms on the original Total Permanent Disablement Benefit sum assured will be applied to the increased amount.
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 Total Permanent Disablement Benefit.
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 Total Permanent Disablement Future Insurability Benefit or as the result of an increase under the Special Events Increase Facility, then: The Total Permanent Disablement Future Insurability Benefit under this policy will not be available for the proportion of the sum assured that represents the increase. AIA will not pay the increased amount if, before the increase, or within six months of the increase, the life assured : − Suffers any claim event for anything other than an accident under the Total Permanent Disablement 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 Total Permanent Disablement Benefit.
15. Waiver of Total Permanent Disablement Waiting Period
AIA will, at its discretion, waive the three month waiting period when assessing a Total Permanent Disablement Benefit claim if: In AIA’s opinion, the life assured has met all other requirements for payment of a Total Permanent Disablement Benefit; and
AIA expects the life assured to survive beyond three months after the incapacity began.
In exercising this discretion, AIA will consider whether the medical condition of the life assured enables an assessment to be made immediately in respect of whether the life assured has met all other requirements for payment of a Total Permanent Disablement Benefit. AIA will not waive the three month waiting period if, in our opinion, after considering suitable medical evidence, we believe that the life assured may die within three months after the incapacity began. A decision not to waive the three month waiting period will not affect our consideration of a Total Permanent Disablement Benefit claim for the life assured if the life assured survives for three months after the incapacity began.
Increases in sum assured added to this policy
After a Total Permanent Disablement Future Insurability Benefit increase has been made, AIA will not pay the increased benefit amount if, before the increase, or within six months of the increase, the life assured :
Suffers any claim event for anything other than an accident under the Total Permanent Disablement
1104 AL-TPD version 4 Effective 12 May 2026
Page 6 of 7
Powered by FlippingBook