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’. 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 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
Amputation of any finger (including thumb) or big toe
Category B
Fracture of upper arm, elbow, shoulder
Fracture of kneecap
Two times the monthly benefit amount
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)
Three times the monthly benefit amount
Category D
Amputation of the thumb and index finger of the same hand
Three times the monthly benefit amount
Category E
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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1162 ALB-AIC Version 2 Effective 26 April 2024
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