What Pregnancy Complication Benefits conditions are covered?
under the Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit.
Disseminated intravascular coagulation.
a.
Children’s Critical Conditions Benefit
Eclampsia.
What is the Children’s Critical Conditions Benefit?
Hydatidiform mole.
AIA will pay a Children’s Critical Conditions Benefit if a child of a life assured suffers a condition of severity level 1, 2, 3, 4 or 5, except for the Optional Total Permanent Disablement condition .
See Section 32 for a full description of these Pregnancy Complication Benefit conditions .
How much will AIA pay for the Pregnancy Complications Benefit?
This Benefit is only payable if the child of the life assured :
The benefit payable is $10,000.
first suffers a condition after the risk commencement date , and subject to the stand down period provisions where these apply; is aged from three months up to their 21 st birthday at the time he or she first suffers from that condition ; and
Payment of the Pregnancy Complications Benefit will not reduce the sum assured or the balance of the sum assured for any of the categories .
c.
Children’s Congenital Conditions Benefit
When is the Children’s Congenital Conditions Benefit payable?
survives for at least 14 days after suffering from the condition .
This Benefit is payable if at least 12 months after the risk commencement date a child of a life assured is unequivocally diagnosed by an appropriate specialist and undergoes treatment or therapy for one of the conditions below.
AIA will pay a maximum of one claim per child under the Children’s Critical Conditions Benefit across all AIA policies for a life assured. In cases where two policies each name a distinct parent of the child as a life assured, both policies are eligible to claim under the Children’s Critical Conditions Benefit for that child , provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies.
What congenital conditions are covered?
Coarctation of the Aorta.
Infantile Hydrocephalus.
How much will AIA pay for the Children’s Critical Conditions Benefit?
Anal atresia.
The Benefit payable is the lower of $75,000 or 50% of the sum assured .
Oesophageal atresia.
Congenital diaphragmatic hernia.
Before cover for a child can commence under the Children’s Critical Conditions Benefit, you must advise us in writing of the child’s name, date of birth and gender. Cover for a child will only commence once we have confirmation of the child’s details in writing.
Tracheo-oesophageal fistula.
Truncus arteriosis.
Retinopathy of prematurity.
How much will AIA pay for the Children’s Congenital Conditions Benefit?
b.
Pregnancy Complications Benefit
When is a Pregnancy Complications Benefit payable?
The Benefit payable is $5,000, regardless of the number of congenital conditions diagnosed. AIA will pay a maximum of one claim for a child under the Children’s Congenital Conditions Benefit across all AIA policies for a life assured . In cases where two policies each name a distinct parent of the child as a life assured , both policies are eligible to claim under the Children’s Congenital Conditions Benefit for that child , provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies. Payment of the Children’s Congenital Conditions Benefit will not reduce the sum assured or the balance of the sum assured for any of the categories.
This benefit is payable if a life assured suffers for the first time and at least 12 months after the risk commencement date one of the defined Pregnancy Complication conditions . AIA will not pay this benefit if the life assured suffers the condition or has any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) within 12 months after the risk commencement date .
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1106 AL-PC version 7 Effective 12 May 2026
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