FAQs

Payment options include:

• Direct Debit - please complete a Direct Debit Form
• Credit Card - please complete a Credit Card Form
• Automatic payment
• Internet banking

For automatic or bill payment through internet banking – simply search for either 'AIA New Zealand' or 'American International Assurance' under Bill Payees or Pre-authorised Organisation. Please also ensure that your customer account code is included in the reference field of the transaction.

We provide you with tax/premium statements for any income protection insurance you have with us, including Income Protection Cover, Mortgage Repayment Cover, New to Business Cover, Business Continuation Cover and Farmers’ Revenue Protection Cover.

For business insurances we’ll provide you with a premium statement after each tax year. If you need a tax letter and haven’t received one, please call us free on 0800 800 242.

Choose from monthly, quarterly, bi-annually and annually. We require confirmation in writing by email: nz.service@aia.com or fax: 0800 181 123 or post:

AIA New Zealand
Private Bag 300981
Albany, Auckland 0752
New Zealand

We require confirmation in writing by email: nz.service@aia.com or fax: 0800 181 234 or post:

AIA New Zealand
Private Bag 300981
Albany, Auckland 0752
New Zealand

You will need to complete a Lost Policy Declaration form and send it to:

AIA New Zealand
Private Bag 300981
Albany, Auckland 0752
New Zealand

Ideally you should meet with your Insurance Adviser and review your policies every year. It is common for people to not know exactly what policies they have or what they are covered for.

If your circumstances have changed, or you can no longer afford the premiums, your Insurance Adviser can assist you in restructuring your cover so that it is relevant to your current needs.

If you’ve had a special event in your life (see list below), some policies may allow you to increase your cover without further medical evidence.

Special events include:

• marriage or civil union
• divorce or legal separation
• birth
• adoption
• salary increase for a career change
• taking full-time care of a dependant
• tertiary education of a child
• taking out or increasing a mortgage.

For assistance, call us free on 0800 800 242.

Health cover premiums automatically increase in five-year age bands, starting at age 20. But sometimes we will also increase our health insurance premiums as the cost of claims also increase. These increases generally come from several areas including:

• procedure and treatment costs
• wage and salary increases for medical professionals
• new private patient fees for certain tests.

The Policy Owner owns and controls the policy, and is responsible for payment of premiums. The Life Assured is the person who has been insured under the policy. To make any changes to a policy we require written authority from the Policy Owner.

Depending on the length of time from the date of your policy lapsing the requirements are as follows:

Within 90 days from when your policy was paid up to:
You will need to pay the full outstanding amount for us to reinstate your policy. No paperwork is required.

Between 90 to 180 days from when your policy was paid up to:
You will need to complete a Reinstatement Application form for all Life Assured. We may require further information to consider your application. If accepted, you will also need to pay the full outstanding amount.

More than 180 days from when your policy was paid up to:
We may not be able to reinstate your policy. We recommend you contact your Insurance Adviser for assistance.

Please click here to see our Making a Claim section.