AIA will increase the Progressive Care Benefit for a life assured from the date we accept your request.
has been issued as the result of an increase under the Built- in Progressive Care Future Insurability Benefit, then:
Future Insurability Benefit increases are not available if the life assured has suffered a claim event under this appendix before you seek to exercise an increase under this Benefit. If, at any time before you seek to exercise an increase under this Benefit, a claim for the life assured had been accepted by us or notified to us, AIA will have discretion in determining whether the increase will be accepted. In exercising discretion, we will consider, based on the medical evidence submitted in support of the claim, whether the life assured represents an increased risk of claim for the cover being added under this Benefit.
The Built-in Progressive Care Future Insurability Benefit will not be available under this policy for the proportion of the sum assured that represents the increase. AIA will not pay claims based on the increased sum assured if, before the increase, or within six months of the increase, the life assured : − 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;
9.
Built-in Financial and Legal Advice Benefit
A Built-in Special Events Increase under a Progressive Care Benefit, Critical Conditions Benefit or Severe Trauma Benefit; or (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.
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If AIA pays a claim under this Progressive Care Benefit for a life assured for a condition of severity level 1, then AIA will reimburse you for fees incurred up to $2,500 including GST (in total) that you pay for financial planning you receive from an accredited Adviser or legal advice received from a legal professional approved by AIA , subject to the following conditions: You must pay for the financial planning or legal advice within the 12 months following AIA paying Progressive Care Benefit claim. AIA will only pay one Financial and Legal Advice Benefit per life assured across all AIA policies . This is in addition to the sum assured . The Built-in Financial and Legal Advice Benefit is not payable for a claim for a child of the life assured under the Built-in Children’s Trauma Benefit, the Built-in Parents Grieving Benefit, the Optional Children’s and Maternity Benefit or the Built-in Newborn Children’s Benefit.
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Each Progressive Care Benefit increase in the sum assured will require an increase in premium . This increase will be calculated on the rates applicable at the time the Progressive Care Future Insurability Benefit is used. 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 Benefit?
a.
Increases in sum assured added to this policy
10.
Built-in Children’s Trauma Benefit
After a Built-in Progressive Care Future Insurability Benefit increase has been made, AIA will not pay claims based on the increased sum assured if, before the increase, or within six months of the increase, the life assured :
AIA will pay a Built-in Children’s Trauma Benefit if a child of a life assured suffers a condition of severity level 1, 2 or 3, except for the Optional Total Permanent Disablement condition .
suffers any condition for the first time other than due to an accident under the Progressive Care Benefit; or
This Benefit is only payable if the child of the 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.
First suffers a condition after the risk commencement date, subject to the three month stand down period provisions where these apply;
Is aged from three months up to their 21 st birthday at the time he or she first suffers from that condition ; and
b.
Increases in sum assured issued as an additional new policy
Survives for at least 14 days after suffering from the condition .
Where this policy or any part of the sum assured under it,
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1106 AL-PC version 7 Effective 12 May 2026
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