6. What specified injuries will AIA cover under this benefit?
This table lists the specified injuries covered under this benefit and how much AIA will pay for each. Some of these specified injuries have definitions, which you can find under ‘Key Terms’. Specified Accidental Injury Cover will only pay a benefit if the life assured suffers one of the specified injuries set out in the below table. All other types of accidental injury are not covered by this benefit.
Specified Injury Categories
What AIA will pay (Lump Sum)
Category A
Fracture of jaw, skull, collarbone
Fracture of forearm, wrist
Fracture of hand (excluding fingers)
Fracture of thumb
Fracture of ankle, heel, fracture of leg below the knee (tibia or fibula)
One times the monthly benefit amount
Fracture of foot (excluding toes)
Fracture of big toe
Fracture of 3 or more ribs
Amputation of any finger (including thumb) or big toe
Category B
Fracture of upper arm, elbow, shoulder
Fracture of vertebrae
Two times the monthly benefit amount
Fracture of kneecap
Injury that results in a tear of the shoulder or knee that results in surgery under general anaesthesia
Category C
Fracture of leg above the knee (femur)
Fracture of the pelvis
Three times the monthly benefit amount
Fracture of the hip
Fracture to multiple limbs
Category D
Amputation of the thumb and index finger of the same hand
Full thickness burns (excluding hands) to 20% or more of the body surface
Six times the monthly benefit amount
Full thickness burns to 25% of the face or 50% of the surface of both hands
Permanent total blindness in one eye
Category E
Amputation or Permanent total loss of function of a foot or hand
Amputation or Permanent total loss of function of one or more limbs
Permanent total paralysis
Twelve times the monthly benefit amount
Permanent total blindness
Permanent total loss of hearing
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1116 AL-SAIC Version 1 Effective 1 November 2024
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