benefit being added under this Facility.
− suffers any condition for the first time other than due to an accident under the Progressive Care Benefit; or − has any symptoms or signs leading to a condition (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the Progressive Care Benefit.
Only one of the following is available in any 12 month period:
− A Built-in Progressive Care Future Insurability Benefit increase (see Section 8);
− A Special Events Increase under a Progressive Care Benefit, Critical Conditions Benefit or Severe Trauma Benefit; or
8.
Built-in Progressive Care Future Insurability Benefit
(If applicable) exercising the Special Events TPD/Trauma Facility under the Life Cover Benefit and/or similar benefits to add an accelerated Progressive Care Benefit, an accelerated Critical Conditions Benefit or an accelerated Severe Trauma Benefit.
−
At every third policy anniversary date you may write to AIA asking us to increase the Progressive Care Benefit for a life assured . You do not need to produce any medical evidence regarding the life assured when you request this increase, but any increase in sum assured under this Benefit is subject to the following conditions: You must request the increase by providing written advice to AIA within 60 days either side of the applicable anniversary date . Outside of this timeframe, the Progressive Care Future Insurability Benefit is not available. Each individual increase cannot exceed 20% of the original Progressive Care Benefit sum assured or $200,000, whichever is the lesser. The total increases made under this Benefit cannot exceed 100% of the original Progressive Care Benefit sum assured for that life assured up to a maximum of $500,000, whichever is the lesser. The maximum sum assured for this Progressive Care Benefit cannot exceed $1,500,000 including increases under this Benefit across all AIA policies .
AIA will increase the Progressive Care Benefit sum assured for a life assured from the date we accept your request.
Each increase will require an increase in premium . This increase will be calculated on the rates applicable at the time the Special Events Increase Facility is exercised. Any loadings, exclusions or special terms on the original Progressive Care Benefit sum assured will be applied to the increased amount.
When will AIA not pay a claim for an increase under this Facility?
a.
Increases in sum assured added to this policy
After an increase under this Facility has been made, AIA will not pay the increased benefit amount if, before the increase, or within six months of the Facility being exercised, the life assured :
suffers any condition for the first time other than due to an accident under the Progressive Care Benefit; or
Both of the following maximum sum assured limits also apply across all AIA policies for each life assured :
has any symptoms or signs leading to a condition (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the Progressive Care Benefit.
(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 Benefit 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
b.
Increases in sum assured issued as an additional new policy
Where this policy or any part of the sum assured under it, has been issued as the result of an increase under the Special Events Increase Facility, then: the Special Events Increase Facility will not be available under this policy for the proportion of the sum assured that represents the increase. AIA will not pay the increased benefit amount if, before the increase, or within six months of the increase, the life assured :
Disablement Benefits (and similar benefits) combined must not exceed $5,000,000.
Where this Progressive Care Benefit is shown in the schedule as accelerated against the Life Cover Benefit the total increases under this Benefit and the total benefit sum assured cannot exceed the sum assured of the Life Cover Benefit. See Section 4 “Standalone or Accelerated Benefit” for details.
A life assured is only eligible for Future Insurability Benefit increases from the age of 16 and before age 55.
Page 7 of 33
1106 AL-PC version 7 Effective 12 May 2026
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