1. any illness or surgery that is not a Critical Illness defined in Critical Illness Table; or
2. a Critical Illness Event defined under Diabetes Complication Conditions or Early-Stage Critical Illness or Late-Stage Critical Illness for which the signs or symptoms first occurred within Waiting Period; or
3. the Critical Illness Event arises directly or indirectly from a Pre-Existing Condition as defined, which existed prior to the Effective Date or Commencement Date of this Rider, whichever is later; or
4. the Critical Illness Event, where in the Company’s opinion, was caused directly or indirectly by the presence of Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and any complications thereof except Immunodeficiency Virus (HIV) Infection Due To Blood Transfusion and Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection as defined in Appendix I – Critical Illness Table. The Company reserves the right to require the Insured to undergo a blood test for HIV as a condition precedent to acceptance of any claim. For the purpose of this Rider,
   • the definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition.
   • infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the Company’s opinion either the presence of any HIV or Antibodies to such a Virus.
5. any Critical Illness that was Diagnosed due, directly or indirectly, to a congenital defect or disease, which manifested or was Diagnosed before the Insured turned 17 (seventeen) years old, except for conditions specifically covered by this Policy; or
6. any of the Critical Illness Event is caused by a self-inflicted injury; or
7. any Critical Illness Event resulting directly from alcohol or drug abuse; or
8. any Critical Illness Event resulting from a physical or mental condition which existed before the Effective Date or Commencement Date of this Rider (whichever is later) and which was not disclosed in the application for insurance or health statement; or
9. any event giving rise to a claim on the Insured, caused directly or indirectly by the intentional act of the Policy Owner or any other person(s) who shall be entitled to the benefits payable; or
10. donation of any of the Insured’s organs; or
11. engaging in or taking part in driving or riding in any kind of race, underwater activities, or other hazardous pursuit such as mountaineering or potholing or parachuting or bungee jumping; or
12. entering, exiting, operating, or servicing, or being transported by any aerial device or conveyance except when the Insured is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; or
13. if the Insured does not survive for at least 30 (thirty) calendar days after being diagnosed with a Critical Illness. 

If the claimant wishes to make a claim, he/she must send AIA the appropriate form and evidence within 90 calendar days from the occurrence of the covered event..  To make a claim, login to AIA+ or contact Client Care at +855 86 999 242, our Telegram AIACambodia Bot, or seek support from AIA Life Planners.

Proof of evidence is a mandatory document to be submitted together with the claim form to AIA, for example: original receipt, medical certificate, medical discharge letter, and/or any related medical document. If the date of admission and the date of discharge are on the same day on the medical discharge letter or medical certificate, a summary MUST mention the Date and Time. All medical documents are to be obtained from a medical facility which is legally licensed to supply medical treatment in the country.

The claimant can apply for the claim if the claim event and medical treatment occurs during the policy’s effective period.

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Waiting Period means a period of time, expressed in number of days and starting from the Effective Date and during which Critical Illness Event is not covered under this Rider.

This Rider is required 120 (one-hundred and twenty) calendar days waiting period for Diabetes Complication Benefit and Early-Stage Critical Illness Benefit and 90 (ninety) calendar days waiting period for Late-Stage Critical Illness Benefit starting from the Effective Date or Commencement Date of this Rider, whichever is later.

In any case that the Policy Owner request to increase the Rider Sum Assured, the Waiting Period shall be applied for the increased amount after the Effective Date of the new Rider Sum Assured.