16. How to make a claim
19. Key terms
To make a claim, the relevant procedures in the section of your AIA Living policy entitled ‘How to make a claim’ must be followed.
activities of daily living
Bathing and showering.
In addition, for a Total Permanent Disablement Benefit claim, AIA will require:
Dressing and undressing.
Eating and drinking.
The life assured to be examined by a registered medical practitioner acceptable to AIA , before accepting liability for a claim.
Using a toilet.
Moving from place to place by walking, in a wheelchair, or with a walking aid.
An AIA claims form completed by the life assured and a registered medical practitioner (at your expense).
gainful employment
Other information which AIA may reasonably request to help assess the claim, which may include evidence of earnings, taxable income, business accounts, ACC details or similar.
Working to generate income through personal efforts by using the life assured’s time and skills. He or she can be self-employed, employed, earning fees, under contract, receiving commissions, working on contract or otherwise remunerated for his or her efforts.
The life assured to undergo medical and/or surgical
treatment (including any operation or vocational, medical and/or social rehabilitation) at your expense which the life assured’s registered medical practitioner or a registered medical practitioner approved by AIA considers necessary.
work
Personal effort using the life assured’s time and skills, whether or not income is generated for the life assured .
Worked and working shall have similar meanings.
Any other information that AIA may deem relevant to the assessment of the claim.
17. Exclusions – when AIA won’t pay a benefit
AIA will not pay any Total Permanent Disablement Benefit where any of the following (and in each case either directly or indirectly) causes or contributes to the disablement:
The life assured deliberately injures himself or herself or attempts to do so; or
The life assured engages in or is part of any conduct that is criminal.
These exclusions apply to any subsequent benefit increase you make.
18. When will this appendix terminate for a life assured ?
This appendix will terminate and eligibility for the Total Permanent Disablement Benefit will cease for a life assured :
When the life assured dies; or
When the benefit is cancelled by the policy owner ; or
When the full sum assured has been paid.
1104 AL-TPD version 4 Effective 12 May 2026
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