Severity Level
Conditions
– for the three consecutive months after that incapacity began, has not worked in that occupation or carried on that business; and – is, in the opinion of AIA , after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or she will ever be able to resume work in that occupation or carry on in that business; or
B. suffers by illness or accident the total and permanent loss of meaningful use of :
– both feet (entire feet); or both hands (entire hands) ; or
– the sight in both eyes (to the extent that visual acuity is reduced to 6/36 or less in the better eye and/or the field of vision is reduced to 10 degrees or less of arc in the better eye); or – any combination of two of: a hand, a foot or sight in an eye (to the extent that visual acuity is reduced to 6/36 or less and/or the field of vision is reduced to 10 degrees or less of arc); or C. is constantly and permanently unable to perform at least two of the following activities without the physical assistance of someone else (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):
– Bathing and showering.
– Dressing and undressing.
– Eating and drinking.
– Using a toilet.
– Moving from place to place by walking, in a wheelchair, or with a walking aid.
Alternatively, the life assured has suffered Total Permanent Disablement if he or she is unable to perform one of the above activities and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires permanent and constant supervision.
If the life assured commences full-time domestic duties, the definition of the Optional Total Permanent Disablement condition will change by replacing paragraph A. above with:
“A. becomes totally and permanently incapacitated by illness or accident and, as a result of that incapacity: – For three consecutive months after that incapacity began, has not worked in any occupation or carried on any business or engaged in any other gainful employment ; and – Following that three consecutive months is in the opinion of AIA , after consideration of the medical and any other evidence satisfactory to AIA , so incapacitated that it is unlikely he or she will ever be able to work in any occupation or engage in any other gainful employment for which he or she may be reasonably suited by education, training or experience, which would pay remuneration at a rate greater than 25% of the life assured’s earnings during his or her last 12 consecutive months of work.” AIA will at its discretion waive the three month waiting period when assessing Total Permanent Disablement if: – in AIA’s opinion, the life assured has met all other requirements for payment under the Total Permanent Disablement condition , 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 of the Total Permanent Disablement condition . 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 claim under the Total Permanent Disablement condition if the life assured survives for three months after the incapacity began.
Any condition that AIA has reasonable grounds to expect can be reversed or improved by surgery or other treatment will not be considered as having met this Total Permanent Disablement condition .
Page 26 of 33
1106 AL-PC version 7 Effective 12 May 2026
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