Benefit
Benefit entitlement
Maximum cover
AIA Private Health Cover and AIA Private Health Plus
Covers the cost up to the maximum cover for this benefit of the following diagnostic tests and imaging at an approved facility when referred by a specialist irrespective of whether surgery occurs:
> Angiogram > Arthroscopy > Capsule endoscopy > Colonoscopy > CT scans
> Cystoscopy > Gastroscopy > Hysteroscopy > Laparoscopy
MAJOR DIAGNOSTIC IMAGING AND TESTS
$200,000 per life assured per policy year
> MRI scans > Myelogram > Myocardial perfusion imaging > PET/CT > Scintigraphy The excess applies to any claims under this benefit.
Covers the cost of home nursing care up to the maximum cover for this benefit where the care is provided by a registered nurse following a surgical or medical procedure covered by this policy, and such care is recommended by a specialist or registered medical practitioner. No excess is payable for any claims under this benefit. Upon the death of a policy owner (where the death is not caused by something excluded under this policy), AIA will provide cover under this policy for the surviving lives assured covered by the policy at the time of death, free of charge for a period of two years. No excess is payable for any claims under this benefit. If a life assured dies between the ages of 21 and 70 (inclusive), the bereavement grant will be paid to the policy owner or to the policy owner’s estate. No excess is payable for any claims under this benefit. If a child of a life assured dies before the age of 21, the Parents Grieving Benefit will be paid to the policy owner . AIA will pay a maximum of one claim per child under the Parents Grieving Benefit across all AIA policies for the life assured(s) irrespective of how many lives assured are covered under this policy. No excess is payable for any claims under this benefit.
$300 per day, up to $5,000 per life assured per policy year
HOME NURSING
WAIVER OF PREMIUM ON DEATH
Two year’s free cover
BEREAVEMENT GRANT
$3,500 per life assured per lifetime
PARENTS GRIEVING BENEFIT
$2,000 per child
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1300 APH-UMB version 6 Effective 17 April 2025
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