permanent total blindness
Irrecoverable loss of the sight of both eyes (whether aided or unaided). This is evidenced by: visual acuity of 6/36 or less in both eyes; or field of vision reduced to 10 degrees or less of arc in the better eye; or a combination of visual defects resulting in the same degree of visual impairment as either of the points above. The life assured loses all hearing in both ears (aided or unaided). The loss must be total and permanent as assessed three months after the accidental injury . Total and permanent loss of function caused by: Monoplegia (loss of function in one arm or leg); Hemiplegia (loss of function of one side of the body); Diplegia (loss of function of both arms or both legs); or
7.
Key terms
accidental injury
Bodily injury caused solely, suddenly and directly by violent, accidental, external and visible means.
amputation
Means irrecoverable:
loss or removal of finger or toe below the proximal inter phalangeal joint, or loss or removal of a limb(s).
avulsion fracture
A failure of bone in which a bone fragment is pulled away from its main body by soft tissue that is attached to it. A disorder characterised by the progressive loss of function and/or structure of the affected tissues. The disruption in continuity of bone, with or without displacement, as confirmed by radiological imaging and certified by a registered medical practitioner . The induction of a state of unconsciousness with the absence of pain sensation over the entire body, through the administration of anaesthetic drugs. An arm, leg, hand or foot. In respect of this definition: the arm starts from the shoulder joint and ends at the wrist joint; the hand starts from the wrist joint; the leg starts from the hip joint and ends at the ankle joint; and
permanent total loss of hearing
degenerative illness
permanent total paralysis
fracture
general anaesthesia
Quadriplegia or Tetraplegia (loss of function of both arms and legs).
specified injury/ injuries
An accidental injury which falls within one of the Specified Injury Categories set out in the table in Section 6. An overuse injury characterised by small, possibly microscopic cracks in a bone caused by repetitive force.
limb(s)
stress fracture
the foot starts from the ankle joint.
medical evidence
Evidence of the specified injury as deemed appropriate by AIA , or as required by this policy,
from a registered medical practitioner and which is acceptable to AIA.
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1162 ALB-AIC Version 2 Effective 26 April 2024
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