According to the policy contract of life insurance of AIA Berhad, Presumptive Disability means the occurrence of any one of the following:
- Total and irrecoverable loss of sight of both eyes.
- Severance of two limbs at or above wrist or ankle.
- Total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above the wrist or ankle.
If any one of the three cases above happens to an insured, he will be compensated immediately.