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  • 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.

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  • 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.

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  • Business and Rural insurance NZ

    Business and Rural Insurance

    Business and rural insurance provides financial support if you or a key person in your business or farm, is unable to work due to illness or injury.​

    Should something happen to you or one of your key people, the right insurance can help you make the next step that’s right for you and your business or farm. AIA have a range of options that provide either monthly payments or a lump sum in the event you or a key person become seriously ill, injured or die giving you financial support to keep your business or farm operating, allowing you to cover debts, or helping you to wind up and sell.

    AIA Vitality is our personalised, science backed health and wellbeing programme that supports you every day to make healthier lifestyle choices. It takes you on a journey to better health - where you get to know your health, improve it, and enjoy the rewards for doing so.

    Add AIA Vitality when you purchase business or rural insurance for $11.50 per month to receive:

    • an initial 10% premium discount* on your first year's premium
    • earn up to $560 in vouchers or Airpoints Dollars™ per membership year
    • exclusive rewards and discounts from our partners.


    *T&C's apply.

    Imagine a month on us & be in to win a year's insurance.

    Enjoy a month on us

    Enjoy one month's premium free when you take out any eligible business and rural insurance before 30 June. T&Cs apply.

    Learn more
    Garmin

    Get moving with Garmin 

    Plus, for a limited time sign up to AIA Vitality to get a $250 Garmin voucher and 25% off. T&Cs apply​

    Learn more

    Ready to get started?

    • Talk to an adviser
      Talk to an Adviser
    Protect the key people in your business

    Key benefits of AIA Business & Rural Insurance

    • With Start Up Income Protection, access up to $9,000 sum assured a month without having to provide detailed financial information.

      With Start Up Income Protection, access up to $9,000 sum assured a month without having to provide detailed financial information.

    • With Business Continuity there are no ACC offsets so we will pay you on top of any ACC payments you receive or are entitled to receive.

      With Business Continuity there are no ACC offsets so we will pay you on top of any ACC payments you receive or are entitled to receive.

    • With Rural Continuity, you choose the time you wait before you’ll start receiving payments, how long you want to receive them for, and if you want ACC offsets.

      With Rural Continuity, you choose the time you wait before you’ll start receiving payments, how long you want to receive them for, and if you want ACC offsets.

    • Covered across a wide range of situations that could affect you or your key people to continue working.

      Covered across a wide range of situations that could affect you or your key people to continue working.

    Compare our
    Business and Rural Insurance Products

    AIA LIVING

    Business Continuity

    Provides established businesses with monthly payments to help support the cost of keeping your business running should you or any key employees become disabled and are unable to work.

    AIA

    Start-Up Income Protection

    Provides new business owners who have been trading three years or less with monthly payments to help support the cost of your business if you face an illness or injury that stops you from working.

    AIA LIVING

    Rural

    Continuity

    Protects the future of your farm if you become seriously ill or injured. It provides monthly payments of an amount agreed at the time you take out your policy. 

    + Expand All- Minimise All

    Built-in Benefits

    Recurrent Disablement Benefit

    The waiting period will be waived, if you become disabled again and it’s caused by the same or a related illness or injury.

    BUSINESS CONTINUITY
    START-UP INCOME PROTECTION
    RURAL CONTINUITY

    Total Disablement Benefit

    You will receive a monthly benefit less offsets (if applicable) if you are totally disabled.

    BUSINESS CONTINUITY
    START-UP INCOME PROTECTION
    RURAL CONTINUITY

    Rehabilitation and Support

    One of our dedicated case managers will work with you to understand your personal situation and will consider what assistance could aid your return to work or improve your capacity to work.

    BUSINESS CONTINUITY
    START-UP INCOME PROTECTION
    RURAL CONTINUITY

    Business Mentors Benefit

    Following an accepted claim, we can provide you with a two-year membership to Business Mentors - New Zealand’s leading business mentoring service. A business mentor can offer a fresh perspective and guidance at a challenging time, enabling you to focus on your recovery.

    BUSINESS CONTINUITY
    START-UP INCOME PROTECTION
    RURAL CONTINUITY

    Waiver of Premium

    This can remove the burden of paying premiums when you are unable to work due to total disability. We will waive your premium payments, while your insurance remains in place. This benefit is compulsory with Rural Continuity cover and you’ll incur an additional cost. You will have the option of choosing the wait period.

    BUSINESS CONTINUITY
    START-UP INCOME PROTECTION
    RURAL CONTINUITY

    AIA Living Benefits

    Enhancement Pass Back Benefit

    At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy wording and apply the most favourable option for your claim. For more information visit aia.co.nz/passbacks

    BUSINESS CONTINUITY
    START-UP INCOME PROTECTION
    RURAL CONTINUITY

    Worldwide Cover

    Whether you’re at home, travelling or living overseas for any period, you remain insured.

    BUSINESS CONTINUITY
    START-UP INCOME PROTECTION
    RURAL CONTINUITY

    Optional Add-Ons

    Talk to an Adviser to find out more

    Request a Callback

    Partial Disablement Benefit (Not available with Start-Up Income Protection)

    This provides additional income if, owing to a continuation of the disability, you are working less than 75% of the working hours stated at application time and have been totally disabled. If you choose to take this benefit you’ll also have access to the Partial Disablement Bridging Benefit (Not available with Start-Up Income Protection)


    Partial Disablement Bridging Benefit (Not available with Start-Up Income Protection)

    If you move from a total to partial disability benefit, this pays a lump sum equal one third of the last monthly total disability benefit to help cover costs during the transition period.


    Waiver of Premium

    This can remove the burden of paying premiums when you are unable to work due to total disability. We will waive your premium payments, while your insurance remains in place. You will have the option of choosing the wait period.


     
    AIA LIVING
    Business & Rural

    AIA offers a range of options that provide a lump sum payment in the event your customer or a key person in the business becomes seriously ill, injured or dies.

    • AIA Living Business – Life Cover Benefit
      AIA Living Business – Life Cover Benefit

      Payment in the event of terminal illness or death.

      Find out more
    • AIA Living Business – Critical Conditions Benefit
      AIA Living Business – Critical Conditions Benefit

      Payment in the event of a specified critical condition.

      Find out more
    • AIA Living Business – Progressive Care Benefit
      AIA Living Business – Progressive Care Benefit

      Payment in the event of disability preventing work.

      Find out more
    • AIA Living Business – Total Permanent Disablement Benefit
      AIA Living Business – Total Permanent Disablement Benefit

      Severity-based payment in the event of specified critical condition.

      Find out more

    Why choose AIA?

    Start thriving with
    AIA Vitality

    Add AIA Vitality to any eligible insurance product and receive an initial 10% premium discount plus an array of rewards. T&Cs apply.

    AIA Vitality logo
    92% Claims paid
    in 2024

    $829.6M
    Paid

    Between 1 January and
    31 December 2024.

    Multi-benefit Discount

    Save up to 15% on your premiums when you buy multiple eligible insurance policies.

    T&Cs apply.

    Financial Strength
    Rating
    AA

    (VERY STRONG)
    RATING

    Ready to apply?

    Talk to an insurance expert

    Request a call back for personalised advice and obligation-free chat with an experienced insurance Adviser in your area.

    More about AIA Business & Rural Insurance

    FAQs

    View frequently asked questions about AIA’s Business and Rural Insurance products

    + Expand All
    - Collapse All

    Is business insurance and business interruption insurance the same?

    There are different types of business insurance.

    Business interruption insurance is a type of business insurance that is connected to physical loss of business assets. 

     However, AIA’s offers business insurance that provides payments if you or a key person becomes seriously ill, injured or dies .   

    Please speak to your insurance adviser for more information and to discuss your needs.


    What are the different types of business insurance?

    AIA provides the following business insurance options:

    Start-Up Income Protection – supports new business owners with monthly payments of an amount agreed at the time of purchase your policy.

    Business Continuity – provides established businesses with monthly payments if you or any key employees suffer an illness or injury that means they are unable to work.

    Other business insurance – Life Cover; Total Permanent Disablement Cover; Critical Conditions Cover; Progressive Care Cover.


    Is health insurance and rural continuity insurance the same thing?

    Our rural continuity insurance is specific to your industry, but we also have a suite of insurances across life, trauma, total permanent disablement that can be taken out for business or personal purposes depending on your needs. These offer a range of options that provide either monthly payments or a lump sum payment in the event you or a key person becomes seriously ill, injured or dies. It can help with keeping your farm or share milking business running.

    To find out more about AIA’s Private Health Insurance cover, please speak with your insurance adviser or request an adviser call.


    Will my ACC payments offset my Business Continuity payments?

    No. The ACC payments you receive or are entitled to receive will not impact business continuity payments.


    What does ACC offset mean?

    At the time of application for Rural Continuity, you choose whether your payment is reduced by the amount of ACC payments you receive or are entitled to receive. Electing to offset ACC payments can reduce your premiums.


    What does a waiting period mean?

    This is the length of time between you suffering from an illness or injury that results in you being unable to work and when you start receiving the benefit payments.

    Choose from 4, 8 or 13 weeks.


    What is the difference between a Policy Owner and Life Assured?

    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.


    • Product Brochure
      Product Brochure

      AIA Business Insurance

      Download
    • Product Brochure
      Product Brochure

      AIA Rural Insurance

      Download

    Policy Wordings

    AIA Business Insurance

    AIA Business Insurance
    - +
    Umbrella
    Business Continuity
    Business Critical Conditions
    Business Life Cover
    Business Progressive Care
    Business Total Permanent Disablement
    Business Waiver of Premium
    Start-up Income Protection

    AIA Rural Insurance

    AIA Rural Insurance
    - +
    Umbrella
    Rural Continuity
    Rural Continuity Income Support
    Business Life Cover
    Business Critical Conditions
    Business Progressive Care
    Business Total Permanent Disablement
    Business Waiver of Premium

    Disclaimer

    Other things you should know: the availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions and premium loadings may apply. This insurance is underwritten by AIA New Zealand Limited (‘AIA’). For full details of the products and benefits offered by AIA, please refer to the policy document(s) which are available from AIA. The information contained in this publication is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any insurance decision, you should consult a professional Adviser. 

    A note on exclusions and benefits
    This insurance (including the built-in and optional benefits) is subject to certain stand down periods and exclusions. Please also note that the optional benefits are subject to an increase in premium and their own terms and conditions.

    Terms and conditions apply
    AIA Vitality is available with eligible AIA health or life insurance policies and has a monthly membership fee of $11.50 (including GST). View the full AIA Vitality terms and conditions.

    Your Duty of Disclosure

    When you apply for insurance with AIA New Zealand Limited, you have a legal duty of disclosure to AIA.

    Find out More
    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
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