Skip to main content
  • Adviser
    • Adviser
    • Get Advice
    • Home Loans
    • Contact Us
    • MyAIA
  • Search
  • Home
  • AIA Insurance
    • Life Insurance
    • Health Insurance
    • Trauma Insurance
    • Total Permanent Disablement
    • Income Protection Insurance
    • AIA Starter Plans
    • Specified Accidental Injury Cover
    • Business Insurance
    • Corporate Solutions
    • Rural Insurance
  • AIA Vitality
    • AIA Vitality Simulator
    • AIA Vitality Premium Flex Explained
    • How to earn points
    • Benefits & Rewards
    • Physical activity points explained
    • Sprint to Silver
    • Content Hub
    • AIA Vitality Starter
  • Make a Claim
    • Health insurance claims
    • Life insurance claims
    • Income protection insurance claims
    • Trauma insurance claims
    • AIA CLAIMS 360 CARE
    • Corporate Solutions - Making a Claim
  • About AIA
    • Our Leadership Team
    • Careers
    • Media Centre
    • AIA Thrive
    • Sustainability
    • Charity Partners
    • Becoming an Adviser with AIA New Zealand
  • Help & Support
    • My AIA
    • Update your contact details
    • Contact AIA
    • Frequently asked questions
    • Product Updates and Policy Wordings
    • Consumers Price Index (CPI)
    • NEW TO NEW ZEALAND
    • Vulnerable Customers Support
    • Investment Products
    • Complaints
  • Get Advice
  • Home Loans
  • MyAIA
Menu
  • Adviser
  • Get Advice
  • Home Loans
  • Contact Us
  • MyAIA
AIA New Zealand AIA New Zealand
  • AIA Insurance

    Our insurance products

    The most important things in your life are your family, your lifestyle and your future. This is what life, trauma and disability insurance are there to protect.

    • offers Our latest offers
    • discount Multi-Benefit Discount

    For Individuals

    For Business

    • Life Insurance

      Lump sum payment if you were to pass away or are diagnosed with a terminal illness.

    • Health Insurance

      Choose from private health insurance or specialised cancer insurance.

    • Trauma Insurance

      Financial support if you or your child become seriously ill or injured.

    • Total Permanent Disablement

      Lump sum payment if you become permanently disabled and are unable to work.

    • Income Protection Insurance

      Income protection insurance provides financial support if you can't work due to an accident or illness.

    • AIA Starter Plans

      Simple plans you can buy online. Get protected with basic life, rent or mortgage protection.

    • Specified Accidental Injury Cover

      Lump sum payment if you have an accident and suffer one of the covered injuries.

    • Business Insurance

      Protection for business owners if a key person becomes seriously ill, is injured, or dies.

    • Corporate Solutions

      Providing cost effective and comprehensive corporate group insurance for your employees.

    • Rural Insurance

      Financial support if a key person of your farm becomes seriously ill, injured or passes away.

  • AIA Vitality

    AIA Vitality

    AIA Vitality encourages and supports you to live a healthier life, while giving you access to great rewards along the way.

    • AIA Vitality Simulator

      An interactive tool to help you calculate the benefits and rewards of AIA Vitality.

    • AIA Vitality Premium Flex Explained

      Learn how you can save on insurance with AIA Vitality.

    • How to earn points

      Start earning points for getting to know and improve your health today!

    • Benefits & Rewards

      Learn more about the amazing benefits, discounts and rewards you'll have access to with AIA Vitality.

    • Physical activity points explained

      Learn how you can earn up to 15,000 points and $260 a year in Active Rewards.

    • Sprint to Silver

      Find out how you can earn 25 Airpoints Dollars or $25 Woolworths vouchers.

    • Content Hub

      Your go to for science-backed health and wellbeing inspiration and advice.

    • AIA Vitality Starter

      Entry level membership automatically included with all AIA Starter Plans.

  • Make a Claim

    Make a Claim

    Get help with making a claim.

    • Health insurance claims

      Make a health insurance claim.

    • Life insurance claims

      Make a life insurance claim.

    • Income protection insurance claims

      Make an income protection or mortgage and income protection insurance claim.

    • Trauma insurance claims

      Make a Critical Illness, Critical Conditions, Progressive Care, Living Assurance or other trauma insurance claim.

    • AIA CLAIMS 360 CARE

      A personalised end to end claims experience when support matters the most.

    • Corporate Solutions - Making a Claim

      Get help with making a claim.

  • About AIA

    About AIA

    AIA Group is one of the largest life insurers in the world, with a presence in 18 markets across Asia Pacific. AIA New Zealand Limited is part of the AIA Group and has been providing insurance to New Zealanders since 1981.

    AIA New Zealand

    • Our Leadership Team

      Get to know our Board of Directors and Executive Team

    • Careers

      Explore opportunities to work at AIA

    • Media Centre

      The latest news from AIA New Zealand

    • AIA Thrive

      AIA Thrive is a network of qualified, experienced advisers helping New Zealanders plan well, so they can live well.

    • Sustainability

      AIA NZ is committed helping build a healthier, cleaner and more sustainable Aotearoa NZ.

    • Charity Partners

      Committed to making a difference in New Zealand with our AIA Vitality Charity partners.

    • Becoming an Adviser with AIA New Zealand

      All you need to know about applying to distribute our products.

    • Code of Conduct​ & Procedures

      AIA is committed to continuously improving conduct, culture and customer outcomes.

  • Help & Support

    Help & Support

    We're here to help! Check out our quick links and digital tools. Still have a question? Get in touch via Live Chat.

    Contact AIA

    Quick Links

    Understanding your policy

    Other useful information

    • My AIA

      View, claim and update your insurance with MyAIA.

    • Update your contact details

      Use this form to update your phone number, email and postal address if you don’t have access to MyAIA.

    • Contact AIA

      Have a question? We’re here to help. Phone, send us a message, or Live Chat during business hours.

    • Frequently asked questions

      Updating policies, moving house, changing names, Covid-19 support... our FAQs section has all the answers and forms.

    • Product Updates and Policy Wordings

      Product updates, enhancements and policy wordings for current and closed AIA or Sovereign policies.

    • Consumers Price Index (CPI)

      Find out more about CPI indexation and how it may affect your insurance cover.

    • NEW TO NEW ZEALAND

      Helpful advice if you have recently arrived, or are considering moving to New Zealand.

    • Vulnerable Customers Support

      A list of some of the services available in New Zealand that offer support, information and help.

    • Investment Products

      The latest AIA investment performance information, as well as a list of closed and terminated investment products.

    • Complaints

      If you have a complaint, we’ll do our best to resolve the situation.

  • Search
  • Contact Us
    • Log in to MyAIA

      View, claim and update your insurance

    • Send us a message

      via our online contact form

    • Talk to an adviser

      Get free expert insurance advice

    • Chat with us

      Available Mon-Fri, 8:30am to 5:30pm

    • Call Us

      0800 500 108 - Mon-Fri, 8:30am to 5:30pm

AIA Vitality
Prev | Next
Contact Us
Talk to an Adviser
Back to Top
  • {{title}}

    {{label}}
  • AIA Vitality
    AIA Vitality

    How AIA Vitality Premium Flex Works

    Save 10% on your initial insurance premium when you join AIA Vitality. Rules apply

    Getting to know premium flex

    Want to know how you can save on your insurance premium? Become an AIA Vitality member and get an initial 10% premium discount on eligible insurance products. Your savings don't end there, then you’re in control of the premium discount you can continue to receive through ongoing engagement with the AIA Vitality programme. Your premium discount will increase, decrease or stay the same annually based on your AIA Vitality Status. 

    Get to know your health and take part in physical activity to save

    Getting started is easy. Complete some easy activities to get to know your health from the comfort of your home by doing our online health checks and declarations. From there, get moving and start turning your everyday steps into physical activity points, to reach a higher status level and be rewarded with Active Rewards.

    To get a better understanding of what your AIA Vitality Status and premium flex could look like after the first year, try out our AIA Vitality Simulator.

    Why does my status level matter?

    After the initial discount period (first year of membership), your AIA Vitality Discount will be determined annually based on your current AIA Vitality Status level on your policy anniversary. ​

    Example of how your AIA Vitality Status impacts your premium flex below:  

    Programme Engagement

    AIA Vitality Status achieved Premium flex Example:
    Your AIA Vitality year 1 discount is 10% (the initial discount)
    Platinum
    30,000 points
    +2.0% per annum
    up to a maximum of 20%
    If you reach Platinum, your year 2
    DISCOUNT WILL BE 12%
    Gold
    20,000 points
    RETAIN CURRENT DISCOUNT If you reach Gold, your year 2
    DISCOUNT WILL BE 10%
    Silver
    10,000 points
    -1.0% per annum
    to a minimum of 0%
    If you reach Silver, your year 2
    DISCOUNT WILL BE 9%
    Bronze
    0 points
    -2.0% per annum
    to a minimum of 0%
    If you retain Bronze, your year 2
    DISCOUNT WILL BE 8%

     

    For more information on how your premium discount is calculated, including if your AIA Vitality membership year is different to your policy anniversary, see FAQs below.  

     

    Ready to get started?

    • Chat with us
    • Talk to an adviser
      Talk to an Adviser
    • Apply online

    Already an AIA Customer?

    • JOIN AIA VITALITY
      Contact Us
    • Call 0800 242 888

    AIA Vitality Premium Flex in Action

    The below Case Study is for illustrative purposes only. For more details on Premium Flex we recommend you refer to the AIA Vitality Premium Adjustment Rules and speak to your financial adviser for further details on how the AIA Vitality Discount could work for you.

    Blake purchases a life insurance policy with an annual insurance premium of $1,800 before any discount. For this case study, his premiums stay the same each year and do not include premium loadings or a policy fee.

    Blake decides to join the AIA Vitality Programme for a monthly membership fee of $11.50. His AIA Vitality Anniversary and Policy Anniversary are the same. 

    Blake's discount

    At the end of year 1, Blake achieves

    (Click a status button above to see how Blake's AIA Vitality Status achieved each year affects his AIA Vitality Premium Discount.)

    Blake receives a

    10%

    discount on
    Eligible Benefits

    First year (Initial Discount)

    FAQS

    Italicized terms referred to in these FAQs are defined, and have the meaning given to them, in the Premium Adjustment Rules  

     

    + Expand All
    - Collapse All

    How will I know if my insurance premium has been discounted?

    The policy owner will be notified annually in their anniversary letter of the impacts that any AIA Vitality Discount has had on the insurance premiums.  

    Policy anniversary letters are generated 6 weeks prior to a Policy Anniversary date and display the AIA Vitality Status captured in our system at that time.

    If your AIA Vitality Status changes between your Policy Anniversary letter being sent and your Policy Anniversary date, your AIA Vitality Discount will be corrected. This either happens one day before or 16 days after, your Policy Anniversary date. Any changes will be back dated, and an email confirmation will be sent.


    How is my premium discount calculated if my AIA Vitality Year is different to my Policy Anniversary?

    The AIA Vitality programme operates on membership years (we call this your AIA Vitality Year). Your first membership year will commence on the day you become a member and end one year after that date. Whereas your Policy Anniversary generally means the anniversary of the commencement date of your eligible policy to which your AIA Vitality membership attaches. These can be different.  

    If you are in your first 10 months of AIA Vitality Year at a Policy Anniversary, your premium discount for the next year will not flex to your detriment. If you reach Platinum status your discount will increase by 2% to 12%. If your status is Bronze, Silver or Gold, you will retain your 10% discount.

    If you are in your first 11-12 months of AIA Vitality Year at a Policy Anniversary your AIA Vitality Status for your current membership year (we call this your Earned Status) will be used to adjust the flex in your premium discount in accordance with the table shown above. 

    For all subsequent AIA Vitality Years, the premium discount that applied at your previous Policy Anniversary (we call this your Baseline Discount), will be adjusted according to your Anniversary Status (your AIA Vitality Status as at the last day of your previous AIA Vitality Year), as at 2 weeks after your Policy Anniversary. 


    What happens if my AIA Vitality membership is cancelled or terminated?

    Should your AIA Vitality membership be cancelled or terminated in accordance with the AIA Vitality Terms and Conditions, any AIA Vitality Discount (including the initial discount) applied to your eligible policies will be removed from your next Premium due date. 


    Copyright © 2025, AIA New Zealand Limited (Company Number: 352806), and its affiliates and subsidiaries. All rights reserved. The information contained on this website is current as at May 2025 and is subject to change at any time. It contains only a summary of the AIA Vitality programme effective May 2025. AIA does not warrant or make any representations regarding the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. For full terms and conditions on AIA Vitality partners, benefits and rewards, view the AIA Vitality terms and conditions. You can also view the AIA Vitality premium adjustment rules. Partner terms and conditions may also apply.

    Contact Us

    Live Chat

    Mon-Fri 8:30am - 5:30pm

    0800 500 108

    Mon-Fri 8:30am - 5:30pm

    Postal address

    AIA New Zealand Limited
    Private Bag 92499
    Victoria St West
    Auckland 1142

    View all contact options
    CONTACT US

    Live Chat

    Mon-Fri 8:30am - 5:30pm

    0800 500 108

    Mon - Fri 8:30am - 5:30pm
    AIA House, 74 Taharoto Road, Takapuna, Auckland 0622, New Zealand
    View all contact options
    Company

    About AIA New Zealand

    Careers

    News and Press

    Our Policies & Code of Conduct​

    Our Financial Strength

    Environmental Social Governance

    Accessibility Tick Gender Tick
    Pride Pledge Logo Toitū carbonreduce certified
    Vist AIA.com to learn more about AIA Group.
    Quick Links

    AIA Vitality

    MyAIA login

    AIA Thrive

    Investment Products

    Past Insurance Products

    Make a Claim

    FAQs

    Our Products

    Life Insurance

    Health Insurance

    Income Protection Insurance

    Business Continuity Cover

    AIA Starter Plans

    GO Home Loans

    Get Advice

    Company
    About AIA New Zealand
    Careers
    News and Press
    Our Policies & Code of Conduct​
    Our Financial Strength
    Environmental Social Governance
    Accessibility Tick Gender Tick
    Pride Pledge Logo Toitū carbonreduce certified
    Visit AIA.com to learn more about AIA Group.
    Quick links

    AIA Vitality

    MyAIA login

    AIA Thrive

    Investment Products

    Past Insurance Products

    Make a Claim

    FAQs

    Our products

    Life Insurance

    Health Insurance

    Income Protection Insurance

    Business Continuity Cover

    AIA Starter Plans

    GO Home Loans

    Get Advice


    Copyright © 2025, AIA New Zealand Limited (Company Registration No: 352806), and its affiliates and subsidiaries. All rights reserved.
    Terms of Use | Privacy Statement | Cookie Policy | Duty of Disclosure
    Thank you

    Thanks for getting in touch.

    We will be in contact as soon as we can.

    Did you know, with an eligible policy you can view, claim and update your insurance with MyAIA? Find out more