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Bringing together the best of AIA and Sovereign

AIA and Sovereign are combining the deep industry knowledge of our people and bringing together our best products, systems and processes. This includes working towards providing a competitive single-market offering designed to fulfil the insurance needs of Kiwis.

We remain committed to delivering the best outcomes for our existing customers.  As part of this commitment, future enhancements to our new product will continue to be passed-back to existing AIA and Sovereign customers in line with the current pass-back approach (i.e. eligible AIA customers since January 2003 and Sovereign TotalCareMax customers since February 2001).

A key first step towards a single-market offering is aligning the existing AIA and Sovereign product ranges. Over the next couple of months, we’ll be announcing about 90 enhancements across the AIA and Sovereign product ranges. We are taking the best of AIA and Sovereign to deliver the best outcomes for our customers by providing greater access to treatments, better support services and wider definitions that support Kiwis throughout their everyday life.

The first set of enhancements is for the AIA and Sovereign Trauma products. 

  • We’re introducing approximately 45 enhancements. These help ensure that our products support even more customers should they suffer a major medical event.
  • We’ve created a new Severe Illness or Injury Benefit. This enhancement is a market first innovation that aims to protect our customers should they suffer a rare or obscure medical condition or major injury that isn’t specifically listed in the policy wording.
  • Medical technology is moving fast and it’s hard to keep medical definitions in insurance products current at the same pace. To overcome this, we’ve added a new Medical Advancement Provision which means that new medical diagnostic testing techniques may be considered when assessing a condition.


We’re proud of our continued commitment to make a difference in peoples lives and to display our expertise and innovation at the forefront of the insurance industry.


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