24.
Key terms
Mobility - The ability to move independently between indoor rooms on a level surface with the assistance of a walking aid, including a wheelchair. Transferring - The ability to independently transfer from the bed to a chair with the assistance of a walking aid.
accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event. The total and irreversible disablement of the life assured with the effect that he or she is unable to perform without the physical assistance of someone else, at least one of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment AIA will treat the life assured as being able to perform that activity):
activities of daily living
category
One of five categories of conditions as set out in the Schedule of Categories below.
Categories has the corresponding meaning.
claim event date
The date the medical treatment or event occurred, or the date the condition was diagnosed by a specialist .
Bathing and showering;
condition(s)
Any:
Dressing and undressing;
medical treatment;
Eating and drinking;
event; or
Using a toilet;
illness as diagnosed by a specialist
Moving from place to place by walking, in a wheelchair, or with a walking aid.
that exactly matches one of the definitions listed in any of the five Schedules of Categories attached to this appendix .
balance of the sum assured
The amount of the sum assured remaining under each category after deduction of all claim payments already made under that category to date. Washing - The ability to wash oneself without physical assistance or supervision. This includes transferring in and out of the bath or shower.
congenital condition
A health anomaly or defect, regardless of whether diagnosed or not:
basic activity of daily living
which is present at birth; and
for which the individual had signs or symptoms within three months of birth.
Dressing - The ability to independently put on or take off
all garments, including the securing and unfastening
Includes health anomalies or defects inherited or due to external environmental factors such as drugs, alcohol, or complications during pregnancy or delivery. The later of the effective date or the actual date from which we receive the increased premium for the Life Cover Benefit and accelerated Progressive Care benefit cover.
thereof. Where appropriate, this includes any braces, prosthesis or other surgical appliance. Feeding/eating - The ability to eat independently once food has been prepared and made available. Continence - The ability to manage bowel and bladder functions such that an adequate level of personal hygiene can be maintained.
date of conversion
Page 14 of 33
1106 AL-PC version 7 Effective 12 May 2026
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