Within 12 months of the previous claim event date and a non- related condition
What is the maximum cover that can be added?
The maximum increase for each special event cannot exceed the lower of: 50% of the original Progressive Care Benefit for the life assured ; or $250,000. The total of all increases made under this Facility cannot exceed the lower of: 100% of the original Progressive Care Benefit for the life assured ; or $750,000. In the case of taking out or increasing a home loan, the individual increase cannot exceed the amount of the home loan or the increase in the home loan.
If you make a subsequent claim, where the claim event date is within 12 months of the immediately preceding claim's claim event date and the subsequent claim is not for a related condition , then AIA will deduct all claims paid under this appendix for that life assured within the previous 12 months from the amount determined in accordance with steps 1 to 3 immediately above. This may mean that no benefit is payable.
This deduction will not apply if the current or previous claim is/was for a condition that is the result of an accident.
c.
Two or more claims for conditions arising simultaneously from one event
If a single event causes the life assured to have one or more simultaneously arising conditions, AIA will only pay one claim. For each condition , AIA will determine the amount in accordance with steps 1 to 3 in b) above and the amount paid will be the highest of these amounts. The balance of the sum assured will reduce for the category that the condition with the highest amount falls under, while the balance of the sum assured will be unchanged for other categories .
In the case of an annual salary increase, the individual increase cannot exceed five times the annual salary increase.
The maximum increases outlined above each apply in respect of all Progressive Care Benefits, Critical Conditions Benefits, Severe Trauma Benefits, and similar benefits for that life assured across all AIA policies . Both of the following maximum sum assured limits also apply across all AIA policies for each life assured : (a) the total of the sum assured for all Critical Conditions Benefits, Progressive Care Benefits, Severe Trauma Benefits, and similar trauma benefits (combined), including increases under this Facility must not exceed $2,000,000; and (b) the total of the sum assured for all trauma benefits combined must not exceed $2,000,000 and the total sum assured for all trauma and Total Permanent Disablement Benefits (and similar benefits) combined must not exceed $5,000,000.
7.
Built-in Special Events Increase Facility
What is the Special Events Increase Facility?
On each occasion when one of the following circumstances occurs for a life assured on the Progressive Care Benefit:
having a child (by birth or legal adoption);
What are the other conditions applying to this Facility?
becoming married or entering into a civil union;
becoming legally separated, divorced or the dissolution of the life assured’ s civil union; the commencement of secondary school for the first time by a child of the life assured ; financially supporting a dependent child through a first course of full-time tertiary education; taking out or increasing a home loan because the life assured has purchased a new home, a new residential investment property, a vacation home, or a bare block of land zoned as residential, or is making extensions to a residential property or residential investment property owned by the life assured ; becoming responsible for the full-time care or payment for long term care of a close relative ; receiving an annual salary increase. This special event is not available to a life assured who is self-employed; or experiencing the death of a spouse, civil or de facto partner, you may write to AIA asking us to increase the Progressive Care Benefit for that life assured .
You do not need to produce any medical evidence regarding the life assured when you request this increase, but any Special Events Increase is subject to the following conditions: You must make the request within 60 days either side of the relevant special event and provide AIA with suitable evidence of the occurrence of the event. A life assured is only eligible for special events increases where the special event occurs from the age of 16 and before age 55. Special Events increases are not available if the life assured has suffered a claim event under this appendix before you seek to exercise the Facility. If, at any time before you seek to exercise the Facility, a claim for the life assured had been accepted by us or notified to us, AIA will have discretion in determining whether the Facility can be exercised. In exercising discretion, we will consider whether, based on the medical evidence submitted in support of the claim, the life assured represents an increased risk of claim for the
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1106 AL-PC version 7 Effective 12 May 2026
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