AIA Real TPD Personal Policy Wording

• We must be provided with a receipt for the consultation and/or counselling You are claiming.

Only one (1) Counselling Benefit payment per Life Assured will be made regardless of the number of additional Policies held with Us . This is in addition to the Sum Assured . The Total and Permanent Disability Benefit will not be paid if the Total and Permanent Disability directly or indirectly was caused by or resulted from self-inflicted injury, whether the Life Assured is sane or insane.

EXCLUSIONS

20

PC-TPD-05/2026

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