# AIA Living Critical Conditions Cover — AIA New Zealand

**Insurer:** AIA New Zealand (`aia`)
**Product slug:** `living-critical-conditions`
**Status:** active
**Vertical:** trauma
**Extraction confidence:** verified

**Wording effective:** 2026-05-18
**Source PDF:** https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/aia-living/personal/aia-living-personal-critical-conditions-policy-wording.pdf
**PDF hash (sha-256, first 16):** `da6ac4e333ee3310…`

## Trauma conditions covered

- Carcinoma-in-situ
- Carcinoma-in-situ radical surgery
- Malignant tumours and blood cancers
- Prostate Cancer
- Angioplasty – less than 3 vessels
- Angioplasty – 3 vessels or more
- Aortic surgery
- Cardiac Defibrillator Insertion
- Cardiomyopathy
- Coronary artery bypass surgery
- Heart attack
- Heart valve surgery
- Out-of-hospital cardiac arrest
- Pacemaker insertion
- Pulmonary hypertension
- Alzheimer's disease
- Benign brain or spinal cord tumour
- Cerebral Aneurysm
- Coma
- Creutzfeldt-Jakob disease
- Dementia
- Encephalitis
- Idiopathic Parkinson's disease
- Major head trauma
- Meningitis
- Motor neurone disease
- Multiple sclerosis
- Muscular dystrophy
- Peripheral neuropathy
- Stroke
- Diplegia
- Hemiplegia
- Loss of independent existence
- Paraplegia
- Permanent blindness
- Permanent loss of hearing
- Permanent loss of speech
- Permanent loss of use of limbs
- Quadriplegia / Tetraplegia
- Advanced AIDS
- Advanced diabetes
- Aplastic anaemia
- Chronic liver failure
- Chronic lung disease
- Chronic renal failure
- Cognitive impairment
- Intensive care
- Major transplant surgery
- Pneumonectomy
- Severe burns
- Severe Crohn's disease
- Severe illness or injury
- Severe osteoporosis
- Severe rheumatoid arthritis
- Severe ulcerative colitis
- Systemic lupus erythematosus with lupus nephritis
- Systemic sclerosis
- Terminal illness
- Total Permanent Disablement (Optional)

## Partial-payment conditions

["Carcinoma-in-situ — 25% of sum assured to a maximum of $75,000","Angioplasty – less than 3 vessels — 25% of sum assured to a maximum of $75,000","Cardiac Defibrillator Insertion — 25% of sum assured to a maximum of $75,000","Pacemaker insertion — partial payment","Heart valve surgery — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Benign brain or spinal cord tumour — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Cerebral Aneurysm — partial payment","Dementia — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Encephalitis — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Permanent blindness — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Permanent loss of hearing — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Permanent loss of use of limbs — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Chronic liver failure — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Intensive care — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Severe burns — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit)","Severe Crohn's disease — partial payment","Severe osteoporosis — partial payment","Severe rheumatoid arthritis — partial payment","Severe ulcerative colitis — partial payment"]

## Buy-back / reinstatement rules

The Optional Critical Conditions Buyback Benefit allows the Critical Conditions Benefit (and where applicable the Optional Early Cancer Upgrade Benefit and/or Optional Children's and Maternity Benefit) to be reinstated without further medical evidence following a Critical Conditions Benefit claim that has reduced the sum assured to nil, subject to: the life assured surviving 12 months after the claim payment date; reinstatement requested within 60 days of the first anniversary of the claim payment date; maximum reinstatement of 100% of the claim payment or $2,000,000 whichever is lesser; only one buyback exercise available per life assured per policy; not available following a partial payment claim; not available if the life assured has suffered a claim event under a Terminal Illness Benefit or Specified Terminal Conditions Benefit. A new policy is issued on then-current terms; original exclusions and special terms carry over; no further reinstatement available under the new policy. A premium discount applies where buyback follows a full claim for cancer, stroke or heart attack.

## Child trauma cover

Built-in Children's Trauma Benefit: inbuilt benefit covering children of the life assured aged from three months up to their 21st birthday. Benefit payable is the lower of $50,000 or 50% of the sum assured across all Critical Conditions Benefit policies for the life assured (for full payment conditions). For Angioplasty – less than 3 vessels and Carcinoma-in-situ the benefit is the lower of $50,000 or 10% of the sum assured. Maximum one claim per child across all AIA policies (combined with Built-in Newborn Children's Benefit). Does not apply to Optional Total Permanent Disablement condition. Excludes pre-existing conditions and congenital conditions. Child must survive at least 14 days after suffering the condition. Three month stand down period applies where marked. Ceases on child's 21st birthday. Optional Children's and Maternity Benefit (rider): children's critical conditions benefit payable is the lower of $75,000 or 50% of the Critical Conditions Benefit sum assured (full payment conditions); for Angioplasty – less than 3 vessels and Carcinoma-in-situ the benefit is the lower of $75,000 or 10% of the Critical Conditions Benefit sum assured. Payable in addition to Built-in Children's Trauma Benefit.

## Survival period

14

## Exclusions

- The life assured (or the child in the case of a Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit) deliberately injures himself or herself or attempts to do so.
- The life assured (or the child in the case of a Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit) engages in or is part of any conduct that is criminal.
- Any condition or any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) that existed before the risk commencement date, unless AIA is satisfied that you or the life assured could not have known of the existence of the condition or symptom or signs leading to the condition, or the condition or symptom or signs leading to the condition were declared on your application and accepted by AIA.
- Any intentional act by you or by any parent or guardian of the life assured, or child (where the life assured or child is under age 21 at the time).
- Any intentional act by someone who lives with or supervises the life assured, or child (where the life assured or child is under age 21 at the time).
- A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of a pre-existing condition.
- A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of any congenital condition, except where expressly covered under the Children's Congenital Conditions Benefit.
- No payment will be made under the Built-in Return Home Benefit if the life assured is covered for the same event with a travel insurance provider.
- Cardiac Defibrillator Insertion partial benefit is not payable if the life assured satisfies the criteria for a claim payment under another heart condition across all Personal AIA policies.

## Machine-readable endpoints

- Structured facts: `/api/trauma/product/aia/living-critical-conditions/facts.json`
- Full markdown wording: `/api/trauma/product/aia/living-critical-conditions/wording.md`
- Version history: `/api/trauma/product/aia/living-critical-conditions/history.json`
- Insurer profile: `/api/trauma/insurer/aia/summary.md`

## Citation

Cite as: AIA New Zealand AIA Living Critical Conditions Cover policy facts (wording effective 2026-05-18), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/trauma/product/aia/living-critical-conditions/summary.md
Primary source: https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/aia-living/personal/aia-living-personal-critical-conditions-policy-wording.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz