What are the applicable conditions and how much will AIA pay?
date that conclusive diagnosis is first possible.
A claim is only payable under the Built-in Newborn Children’s Benefit if cover remains in effect for the life assured up to the date that the conclusive diagnosis for the child occurs.
The Benefit payable is the lower of $50,000 or 50% of the sum assured across all Progressive Care policies for the life assured . AIA will pay a maximum of one claim per child under either the Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit across all AIA policies . The Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit is payable in addition to the Optional Children’s and Maternity Benefit (if applicable). AIA will not pay a benefit under the Built-in Children’s Trauma Benefit that arises as a direct or indirect consequence of:
How much will AIA pay?
The Benefit payable is the lower of $50,000 or 50% of the sum assured across all Progressive Care policies for the life assured . The Built-in Newborn Children’s Benefit is only payable where the birth of the child with one of the applicable conditions occurs at least twelve months after the risk commencement date . This requirement applies anew to all added cover from the date the cover commences, including cover added using the Built-in Progressive Care Future Insurability Benefit, the Built-in Special Events Increase Facility, or the Special Events TPD/Trauma Facility under the Life Cover Benefit. AIA will pay a maximum of one claim per child under either the Built-in Newborn Children’s Benefit or the Built-in Children’s Trauma Benefit across all AIA policies . Payment of the Built-in Newborn Children’s Benefit will not affect the amount of any Progressive Care Benefit payable for the life assured .
a pre-existing condition ; or
any congenital condition .
Payment of the Built-in Children’s Trauma Benefit will not affect the amount of any Progressive Care Benefit payable for the life assured .
The Built-in Children’s Trauma Benefit ceases on the child’s 21 st birthday.
11.
Built-in Newborn Children’s Benefit
12.
Built-in Return Home Benefit
What is the Built-in Newborn Children’s Benefit?
AIA will pay a Return Home Benefit if the life assured is outside of New Zealand and suffers, for the first time, a covered condition . The Return Home Benefit will reimburse the cost of a standard economy flight back to New Zealand for the life assured and one support person. You will need to provide evidence of the transport costs satisfactory to us before a claim under the Return Home Benefit will be paid. In total the maximum we will pay over the life of the policy under the Return Home Benefit is $10,000. A Return Home Benefit is paid in addition to the Progressive Care Benefit.
AIA will pay a Built-in Newborn Children’s Benefit if a child of a life assured, where the life assured is the biological parent, is born with one of the following conditions and survives for thirty days after birth:
Cleft palate;
Down’s syndrome;
Spina bifida;
Total blindness;
Absence of one or more limbs;
Tetralogy of Fallot;
No payment will be made if the life assured is covered for the same event with a travel insurance provider.
Transposition of Great Vessels; or
Deafness.
13.
Built-in Parents Grieving Benefit
Please refer to Section 31 for the definitions of these conditions .
When is a Parents Grieving Benefit payable?
AIA will pay a Parents Grieving Benefit if:
In order for AIA to pay a claim under this Benefit, we will require medical information from a registered medical practitioner acceptable to us that conclusively evidences the condition . In circumstances where a conclusive diagnosis cannot be made at birth, we will defer our assessment of the claim until sufficient evidence can be supplied. For example, this might apply in the case of total blindness or deafness, where a conclusive diagnosis may not be possible until later in the child’s life. In these cases, the claims assessment will be based on the child’s sight or hearing impairment at the
a child of a life assured dies prior to birth but after at least 24 weeks gestation; or
a child of a life assured dies.
AIA will not make any payment if the death occurs within 12 months of the risk commencement date except where it is an accidental death .
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1106 AL-PC version 7 Effective 12 May 2026
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