anaesthesia or epidural. Elective cosmetic procedures are excluded. A service or supply provided by a registered medical practitioner or specialist that AIA deems on reasonable grounds is necessary for the treatment of the disease, illness, or injury involved. Under no circumstances shall the following services or supplies be considered medically necessary:
gainful employment
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. A specially staffed and equipped section of an intensive care complex that provides a level of care intermediate between intensive care and general ward care. Patients may be admitted to the high dependency unit:
medically necessary
high dependency unit
Those services or supplies that do not require the skills or services of a registered medical practitioner or specialist ; and Those services or supplies provided mainly for the comfort or convenience of the life assured.
from the intensive care unit as a step-down prior to transfer to the ward, or directly from the ward, recovery or emergency areas.
limb(s)
An arm, leg, hand or foot. In respect of this definition:
pre-existing condition
Any disease or medical condition for which, prior to becoming covered under this policy, the individual consulted a registered medical practitioner , received treatment or services from a registered medical practitioner , or took prescribed drugs and medicines. Means the date the application for cover is received by AIA along with a valid payment instruction. Any condition that AIA , in its sole discretion, deems to be directly or indirectly related to a previous claim's condition . This includes:
the arm starts from the shoulder joint and ends at the wrist joint;
the hand starts from the wrist joint;
the leg starts from the hip joint and ends at the ankle joint; and
receipt of application
the foot starts from the ankle joint.
major interventional treatment
Non-surgical procedures or treatments initiated to treat the claimed medical condition including but not limited to: stereotactic radiosurgery, laser therapy, ultrasonic aspiration, chemotherapy, radiotherapy, or immunotherapy. Pharmaceutical therapies administered outside of a clinical setting are excluded. An invasive procedure occurring in a hospital operating theatre involving the incision, excision, manipulation, or suturing of
related condition
any increase in severity level of the same condition , and any condition that is a recognised outcome and/or complication of a previous claim or a recognised complication of any treatment administered in relation to a previous claim.
major invasive surgery
tissue, under general anaesthesia, spinal
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1106 AL-PC version 7 Effective 12 May 2026
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