Category
Conditions
3 month stand down
Paraplegia/Quadriplegia/Tetraplegia
Optional Total Permanent Disablement condition
✓
Chronic liver failure
✓
Chronic lung failure
✓
Chronic kidney failure
Primary pulmonary hypertension
Major organ transplant (or transplant waiting list)
Acute renal dialysis
✓
Chronic Obstructive Pulmonary Disease
✓
Removal of large bowel
✓
Severe osteoporosis
✓
Severe rheumatoid arthritis
Other health conditions
✓
Severe ulcerative colitis
✓
Severe Crohn’s disease
Advanced Type 1 diabetes
✓
Type 1 diabetes
✓
Advanced Type 2 diabetes
Advanced AIDS
Pneumonectomy
Systemic sclerosis
Systemic lupus erythematosus with lupus nephritis
✓
Severe illness or injury
4.
Standalone or accelerated benefit
those accelerated benefits do not exceed the decreased Life Cover Benefit. If the Life Cover Benefit is reduced to nil, all accelerated benefits relating to that Life Cover Benefit will be removed. The maximum combined amount payable under the Life Cover Benefit, Specified Terminal Conditions Benefit, Terminal Illness Benefit, Bereavement Support Benefit, Repatriation Benefit, accelerated Progressive Care Benefit and, if applicable, the accelerated Critical Conditions Benefit, the accelerated Severe Trauma Benefit and the accelerated Total Permanent Disablement Benefit is the amount of the Life Cover Benefit for that life assured. When AIA has paid the equivalent of the sum assured of the Life Cover Benefit, your cover under this benefit will change from accelerated to standalone. This will require you to pay an increased premium . This increase will be calculated on the rates applicable at the time to the standalone Progressive Care Benefit.
The schedule will specify if you have chosen a standalone or an accelerated benefit.
Standalone
If you have chosen a standalone benefit, a payment under this benefit does not reduce the sum assured under your Life Cover Benefit (if any).
Accelerated
If you have chosen an accelerated benefit, the sum assured for this Progressive Care Benefit cannot be greater than the sum assured for your Life Cover Benefit. When AIA pays an accelerated Progressive Care Benefit, the Life Cover Benefit for the life assured will decrease by the same amount. Any other accelerated benefits relating to that Life Cover Benefit will be reduced, if necessary, so that
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1106 AL-PC version 7 Effective 12 May 2026
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