7.
Key terms
sentenced to home detention for any reason.
h. The waiver of premium life assured attains age 65.
Activities of Daily Living are:
Activities of Daily Living
i. The waiver of premium life assured dies.
> Bathing and showering.
If we cease waiving the regular premiums payable under this policy in accordance with paragraphs (a), (b) or (c) and the waiver of premium life assured subsequently complies with the relevant requirement(s), then: The date that the waiver of premium life assured complied with the relevant requirement(s) will, subject to the provisions of this appendix, be treated as the disablement date for a new claim under this Waiver of Premium Benefit.
> Dressing and undressing.
> Eating and drinking.
> Using a toilet.
> Moving from place to place by walking, in a wheelchair or with a walking aid.
disablement date
The date the waiver of premium life assured became totally disabled .
The waiting period will be waived for the new claim.
We will not waive the regular premiums payable under this policy retrospectively for any period of time before the date that the waiver of premium life assured complies with the relevant requirement(s).
full-time care
Care for 16 hours per day or more, provided by a nursing service approved by AIA whose profession it is to provide nursing services or provided by a registered medical practitioner .
6.
Exclusions – when we won’t waive the regular premiums
totally disabled
See Section 2 of this appendix for the meaning of this key term.
We will not waive the regular premiums payable under this policy where any of the following (and in each case either directly or indirectly) cause or contribute to the disability:
total disablement has a corresponding meaning
The waiver of premium life assured deliberately injures himself or herself or attempts to do so.
unemployed
A person who is not engaged in remunerated work or business activities, for 10 hours or more a week.
The waiver of premium life assured engages in or is part of any conduct that is criminal.
Pregnancy of, or childbirth by, the waiver of premium life assured , unless the disability lasts for more than 90 days after the end of pregnancy, in which case the waiting period will start from the 91 st day. The waiver of premium life assured does not comply with the treatment prescribed by the attending treatment providers. If the waiver of premium life assured is imprisoned or sentenced to home detention for any reason, regular premiums will not be waived during the term of imprisonment or home detention.
This definition does not include a person on leave without pay.
waiting period
The period stated as such in the schedule during which we will not waive the regular premiums payable under this policy.
waiver of premium life assured
A life assured insured for the Waiver of Premium Benefit as named in the schedule .
waiver of premium term
The term the waiver of premium life assured is covered for the Waiver of Premium Benefit as stated in the schedule .
1301 APH-WOP version 1 Effective 5 August 2019
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