SEVERE OSTEOPOROSIS Severe Osteoporosis means the Life Assured has been unequivocally Diagnosed by a Registered Medical Specialist as suffering from severe osteoporosis. The Diagnosis must confirm that the Life Assured : • suffers at least two (2) vertebral body fractures or a fracture of the neck of the femur, due to osteoporosis; and • has a bone mineral density reading with a T-score of less than 2.5 (i.e. 2.5 standard deviations below the young adult mean for bone density). This must be measured in at least two (2) sites by dual energy x-ray absorptiometry (DEXA). No Benefit is payable in cases where there are spontaneous fractures or minimal traumas that are due to an accident but where coincidental osteoporosis exists. 25% of the Sum Assured up to a maximum of $75,000 across all AIA New Zealand policies if the unequivocal Diagnosis occurs before the Life Assured is fifty (50) years of age; or • 25% of the Sum Assured up to a maximum of $10,000 across all AIA New Zealand policies if the unequivocal Diagnosis occurs after the Life Assured is fifty (50) years of age. STROKE Stroke means a cerebrovascular event as evidenced by a CT, MRI or similar scan that a stroke has occurred and evidence of: • infarction of brain tissue; or • intracranial or subarachnoid haemorrhage; or • embolisation. Cerebral symptoms due to transient ischaemic attacks, migraine, cerebral injury resulting from trauma or hypoxia, and vascular disease affecting the eye or optic nerve or vestibular functions are excluded. The Benefit payable is: • SURGERY TO AORTA Surgery to Aorta means surgical repair to the aorta to correct any narrowing, dissection or aneurysm of the thoracic or abdominal aorta but does not include Angioplasty , intra- arterial procedures or other non-surgical techniques. SYSTEMIC LUPUS ERYTHEMATOSUS Systemic Lupus Erythematosus (SLE) with lupus nephritis The following conditions must be met: • A Diagnosis of systemic lupus erythematosus in the clinical setting is the presence of any four (4) or more of the twelve (12) criteria listed in the table below by an appropriate Registered Medical Specialist , and • In addition to the Diagnosis of systemic lupus erythematosus, lupus nephritis must be confirmed by renal changes as measured by a renal biopsy that it is grade 3 to 5 of the WHO (World Health Organisation)
BCP-TC-05/2026
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