Severity Level
Conditions
AIA will not pay a benefit under the Total Permanent Disablement condition if the life assured dies within three months of the date that the life assured became incapacitated.
Severe burns means the life assured has suffered tissue injury caused by thermal, electrical or chemical agents. As a result, the life assured has full thickness of third-degree burns to:
– at least 20% of the body surface area (as measured by age-appropriate use of The Rule of 9 or the Lund and Browder Body Surface Chart); or
– 50% of both hands, requiring surgical debridement and/or grafting; or
– 25% of the face, requiring surgical debridement and/or grafting.
2
Coma means a definite diagnosis of a state of unconsciousness resulting in the following for at least 72 hours:
– a documented Glasgow Coma Score of 7 or less; and
– the use of a life support system.
Coma arising from drug and alcohol abuse is specifically excluded.
Major burns means tissue injury caused by thermal, electrical or chemical agents causing third degree burns to: – at least 9%, but less than 20%, of the body surface area as measured by The Rule of 9 or the Lund and Browder Body Surface Chart; or – the whole of one hand or 50% of the surface area of both hands combined, requiring surgical debridement and/or grafting; or
3
– the whole of one foot or 50% of the surface area of both feet combined, requiring surgical debridement and/or grafting.
Intensive care means a state of unconsciousness with no reaction to stimuli or internal needs, persisting continuously for at least seven days, requiring assisted ventilation (including the use of endo-tracheal intubation and/or tracheostomy) in the intensive care unit of a hospital. Unconsciousness caused by drug and alcohol abuse is specifically excluded.
Loss of sight in one eye means irrecoverable loss of sight in one eye as a result of sickness or injury. This is evidenced by:
– Visual acuity on the Snellen Scale after correction by suitable lenses is less than 6/60 in that eye; or
– Field of vision is reduced to 20 degrees or less of arc; or
4
– A combination of visual defects resulting in the same degree of visual impairment as either of the points above.
Loss of hearing in one ear means the life assured , as a result of sickness or injury, suffers severe hearing impairment in one ear, whether aided or unaided, resulting in an average hearing threshold in one ear of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss must be total and permanent.
Loss of one limb means the life assured , as a result of sickness or injury, permanently loses the entire use of one limb .
Serious burns means tissue injury caused by thermal, electrical or chemical agents causing third degree burns to: – greater than 1% and less than 9% of the body surface area as measured by The Rule of 9 or the Lund and Browder Body Surface Chart; or
5
– both hands, requiring surgical debridement and grafting; or
– the face, requiring surgical debridement and grafting.
Page 27 of 33
1106 AL-PC version 7 Effective 12 May 2026
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