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    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

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    • 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.

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

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  • AIA Vitality

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

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

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

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

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  • Imagine saving up to 25% on your insurance

    Save when you bundle eligible insurance policies and add AIA Vitality.
    T&C’s apply​.

    WE WANT TO HELP MAKE INSURANCE AFFORDABLE​

    Insurance is an important part of setting yourself up financially, protecting you and your family’s health, wealth and wellbeing. Save up to 15% when you bundle eligible life insurance and other insurance products with our Multi Benefit Discount, then add AIA Vitality to receive an extra 10% discount on your first year.

    AIA Vitality shows you how healthy you are now, provides you with tools to start improving your health and rewards your healthy choices. From the initial 10% premium discount on your first year, you can also earn up to $560 in vouchers and enjoy exclusive discounts from our partners to keep you motivated along your journey. You can add AIA Vitality to any eligible insurance policy for $11.50 per month and start thriving. Want to know more, check out how the AIA Vitality programme works.

    Why get insurance advice?​

    Our advisers combine knowledge of our insurance options with an in-depth understanding of your financial situation, so you know you’re making the right choice – whether that means trauma, income protection, health or life insurance. Compete our call-back request to get started and let our insurance advisers find the best options for you and your family, obligation free. Alternatively, you can apply online via our partner KiwiCover.

    Ready to get started?

    • Get a quick quote
    • Talk to an adviser
      Talk to an Adviser
    • Apply online

    HOW YOU CAN SAVE WHEN YOU BUY MULTIPLE INSURANCE PRODUCTS

    Start saving with when you take out life insurance and at least one other insurance from the optional products below. Minimum cover amounts apply.

    Life insurance

    Life Insurance
    (compulsory)

    Choose from life cover, family protection or accidental death cover.

    add

    Additional insurance
    (optional)

    One optional product 10% discount
    Two optional products 12.5% discount
    Three optional products 15% discount

    Select any optional product below

    trauma insurance nz

    Trauma Insurance

    Provides a lump sum payment if you or your child become seriously ill or injured.

    Find out more

    disability insurance nz

    Total Permanent Disablement Insurance

    Provides a lump sum payment if you become permanently disabled and are unable to work due to accident or injury.

    Find out more

    income protection insurance nz

    Income Protection insurance

    Monthly payment to replace a portion of your income if you are unable to work due to sickness or injury.

    Find out more

    Multi–Benefit Discount T&C’s Apply.  ​

    Ready to get started? 

    Already have existing policies with us?

    When you take up new policies with AIA, we’ll take into consideration eligible existing insurance you have with us to see if you qualify for the Multi-Benefit Discount. If you’re eligible for the discount, this will then be applied to your new policies premium only.

    Or if you want to add AIA Vitality, chat with us today.

    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.

    Financial Strength
    Rating
    AA

    (VERY STRONG)
    RATING

    Terms and Conditions

    AIA Vitality Premium Adjustment Rules

    Terms in italics have specific meanings and are defined in the Definitions section. These Premium Adjustment Rules are subject to and should be read in conjunction with the AIA Vitality Terms and Conditions.

    1. About these Premium Adjustment Rules

    The AIA Vitality Discount is intended to reward members for their yearly engagement in the AIA Vitality Programme at their Policy Anniversary. As an AIA Vitality Member, all Eligible Benefits where you are the Life Assured, may be eligible for a Premium discount (the AIA Vitality Discount).

    These Premium Adjustment Rules will cover the following important points:

    Eligible Benefits will automatically receive an Initial Discount of 10% after you, the Life Assured become an AIA Vitality Member.

    After the Initial Discount, your AIA Vitality Discount will be determined by your level of engagement in each AIA Vitality Year that you are a member of the programme. We call this Premium Flex.

    Your AIA Vitality Discount may increase or decrease depending on your engagement during each AIA Vitality Year.

    We can vary these Premium Adjustment Rules at any time, including varying or restricting Eligible Benefits, provided we give you 30 days’ notice of the change.

    2. Initial Discount

    When you sign up to AIA Vitality the Eligible Benefits will receive an Initial Discount of 10%. 

    If you do not meet the eligibility and registration requirements of AIA Vitality, your membership can’t be issued and the Initial Discount will not apply.

    3. AIA Vitality Status

    Your AIA Vitality Status reflects your engagement with the AIA Vitality Programme.

    • When you join AIA Vitality you start on Bronze status.
    • You can earn points based on your engagement with the programme, which will help you progress to a higher status (from Bronze to Silver, Silver to Gold and Gold to Platinum). This status is called your Running Man Status.
    • The status you have reached on your AIA Vitality Anniversary becomes your Standing Man Status.
    • The Standing Man Status, as at 2 weeks after your Policy Anniversary date, dictates the Premium Flex that will be applied to the Eligible Benefits of your policy on its Policy Anniversary date.
    • At your AIA Vitality Anniversary, your Running Man Status resets to Bronze, your points to zero, and you start working towards your target for the next AIA Vitality Year.

    4. Premium Flex

    Following the application of the Initial Discount, at each subsequent Policy Anniversary while you are an AIA Vitality Member, your Premiums on Eligible Benefits may be discounted.

    For AIA Vitality members who are in their first 10 months of membership at a Policy Anniversary your Premium will not flex to your detriment:

    • if you reach Platinum status your discount will increase in accordance with the table below; and
    • if your status is less than Platinum, you will retain your 10% discount.

    For AIA Vitality members in their first 11-12 months of membership at a Policy Anniversary your Running Man Status will be used to calculate your Premium Flex in accordance with the table below.

    For all other AIA Vitality members:

    • The AIA Vitality Discount that applied at your previous Policy Anniversary (your Baseline Discount), will be adjusted according to your Standing Man Status, as at 2 weeks after your Policy Anniversary date.
    AIA Vitality Status Premium Flex rate
    Platinum Your Baseline Discount plus 2% (up to a maximum of 20%)
    e.g. AIA Vitality Year 1 discount is 10% (the Initial Discount). Year 2 discount will be 12%.
    Gold Retain current Baseline Discount
    e.g. AIA Vitality Year 1 discount is 10%. Year 2 discount will be 10%
    Silver Your Baseline Discount minus 1% (to a minimum of 0%)
    e.g. AIA Vitality Year 1 discount is 10%. Year 2 discount will be 9%

    Bronze

    Your Baseline Discount minus 2% (to a minimum of 0%)
    e.g. AIA Vitality Year 1 discount is 10%. Year 2 discount will be 8%

     

    The AIA Vitality Discount is applied to the regular insurance Premium, including loadings, but is not applied to the policy fee or to any part of the Premium that is a result of Per Mille Loadings (if any). 

    The Premium Flex will be applied at each Policy Anniversary but cannot be applied more than once in a 12 month period.

    If you choose not to engage with AIA Vitality, or only engage enough to achieve a Bronze or Silver AIA Vitality Status, your discount will decrease annually until it reaches zero. However, a high level of engagement (Gold or Platinum) may result in your AIA Vitality Discount remaining the same or increasing up to 2% annually, up to a maximum of 20%.

    5. AIA Vitality Premium Discounts Explained

    Case study: Blake*

    Blake is a 31 year old male, non-smoker, who works as a Junior Accountant.

    He purchases an insurance policy from AIA New Zealand with $350k Life Cover, $100k Total Permanent Disablement (TPD), $100k Critical Conditions (Standalone), and Private Health Plus.

    Blake’s premium is calculated as $1,800 per annum before discount. For the purpose of this case study, his premiums stay the same each year and do not include loadings, a membership fee 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.

    More rewards for better health choices

    By engaging with the AIA Vitality Programme, Blake has been able to enjoy a discount on his insurance premium along with great savings at AIA Vitality’s health and lifestyle partners, including discounted entertainment, lifestyle, fitness apparel and more.

    Premium savings with AIA Vitality

      If Blake is highly engaged If Blake is not as engaged
    Upon joining Blake is entitled to a 10% Initial Discount, saving $180 in Year 1.
    At 1st Anniversary Blake’s AIA Vitality Status is Gold.
    He retains his 10% discount for another year, saving $180 in year 2.
    Blake’s AIA Vitality Status is Bronze.
    His discount decreases to 8%, and he saves $144 in year 2. (Baseline Discount minus 2%)
    At 2nd Anniversary Blake’s AIA Vitality Status is Gold.
    He retains his 10% discount for another year, saving $180 in year 3.
    Blake’s AIA Vitality Status is Bronze.
    His discount decreases to 6%, and he saves $108 in year 3. (Baseline Discount minus 2%)
    At 3rd Anniversary
    Blake’s AIA Vitality Status is Platinum.
    His discount increases to 12%, and he saves $216 in year 4. (Baseline Discount plus 2%).
    Blake’s AIA Vitality Status is Bronze.
    His discount decreases to 4%, and he saves $72 in year 4. (Baseline Discount minus 2%)
    At 4th Anniversary Blake’s AIA Vitality Status is Platinum.
    His discount increases to 14%, and he saves $252 in year 5. (Baseline Discount plus 2%).
    Blake’s AIA Vitality Status is Silver.
    His discount decreases to 3%, and he saves $54 in year 5. (Baseline Discount minus 2%)
    At 5th Anniversary Blake’s AIA Vitality Status is Platinum.
    His discount increases to 16%, and he saves $288 in year 6. (Baseline Discount plus 2%).
    Blake’s AIA Vitality Status is Silver.
    His discount decreases to 2%, and he saves $36 in year 6. (Baseline Discount minus 2%)
      Over 6 years, Blake will have saved a total of $1,296 on his premiums.
    Over 6 years, Blake will have saved a total of $594 on his premiums.

    Additional premium savings with Multi-Benefit Discount

    In addition to his AIA Vitality Discount Blake may also be eligible for the Multi-Benefit Discount on his Eligible Benefits under his AIA insurance policies.

    For more information on AIA’s Multi-Benefit Discount visit www.aia.co.nz/mbd

    *This case study is for illustrative purposes only and you should get in touch with your financial adviser for further details on how the AIA Vitality Discounts could work for you.

    6. Things you should know

    Your AIA Vitality Anniversary may be different from your Policy Anniversary and Premium Flex will only be applied to your Premium from your next Policy Anniversary, subject to the terms outlined above.

    The Policy Owner will be notified of the impacts that any AIA Vitality Discount may have on the Premiums.

    The AIA Vitality Discount is not guaranteed and we may withdraw or vary these Premium Adjustment Rules at any time providing that we give you 30 days’ notice of any change. 

    Should your AIA Vitality membership be cancelled or terminated in accordance with the AIA Vitality Terms and Conditions or if you do not proceed with your application for AIA Vitality membership, any AIA Vitality Discount (including the Initial Discount) applied to the Eligible Benefits will be removed from your next Premium due date.

    Definitions

    These terms have a specific meaning:

    AIA, us, our or we means AIA Services New Zealand Limited.

    AIA Vitality Programme or AIA Vitality means the health and wellness programme offered by AIA or our delegate in New Zealand from time-to-time.

    AIA Vitality Anniversary means the anniversary of the commencement date of an AIA Vitality membership.

    AIA Vitality Discount means the discount to be applied to the Premium for your Eligible Benefit(s) at each Policy Anniversary after being adjusted according to your AIA Vitality Status at that time.

    AIA Vitality Member or you means a Life Assured who has been accepted into AIA Vitality Programme in accordance with the AIA Vitality Terms and Conditions.

    AIA Vitality Status means an AIA Vitality Member’s membership status of either Bronze, Silver, Gold or Platinum as determined by AIA in accordance with the AIA Vitality Terms and Conditions.

    AIA Vitality Terms and Conditions means the terms and conditions relating to the AIA Vitality Programme as set out on our website,
    www.aiavitality.co.nz

    AIA Vitality Year means the period that starts on the date that you become a member and every year thereafter on your AIA Vitality Anniversary, i.e. Year 1 is the period that starts on the date you become a member and Year 2 starts on the anniversary.

    Baseline Discount means the AIA Vitality Discount that applied at the previous Policy Anniversary, which could be the Initial Discount or the Premium Flex discount. 

    Eligible Benefit means any benefits under an insurance policy(s) held by the AIA Vitality Member that have been determined by AIA as being eligible to receive an AIA Vitality Discount.

    Initial Discount means the 10% discount that is applied to the Premium relating to any Eligible Benefit(s), under your insurance policy, when you first join AIA Vitality. 

    Life Assured means a person who is insured for an Eligible Benefit administered by AIA Services New Zealand Limited.

    Per Mille Loading means an additional premium charged in respect of a Life Assured because of an increased risk factor, for example, due to a health problem, a hazardous occupation, or dangerous pastime. Per Mille Loadings are calculated in relation to the sum insured, which is different from other loadings that are calculated in relation to the base Premium.

    Premium means the premium to which the AIA Vitality Discount is applied; which includes the regular insurance premium and loadings, but excludes Per Mille Loadings, policy fees and any AIA Vitality membership fee.

    Premium Flex means the adjustment, whether an increase or decrease, to the AIA Vitality Discount as a result of your AIA Vitality Status.

    Policy Anniversary means the anniversary of the commencement date of the policy, under which you have an Eligible Benefit, or such other date as may be determined by AIA and notified to you.

    Running Man Status means an AIA Vitality Member’s membership status in their current membership year (i.e. Bronze, Silver, Gold or Platinum as determined by AIA in accordance with the AIA Vitality Terms and Conditions.)

    Standing Man Status means an AIA Vitality Member’s membership status as at the last day of their previous AIA Vitality membership year (i.e. Bronze, Silver, Gold or Platinum as determined by AIA in accordance with the AIA Vitality Terms and Conditions).


    Multi-Benefit Discount Eligibility Terms and Conditions

    These Terms and Conditions are in relation to the Multi-Benefit Discount available on new policies issued by AIA New Zealand Limited (AIA). In these terms, ‘we’ means AIA, and ‘you’ or ‘your’ means the policy owner.

    With AIA’s Multi-Benefit Discount you can receive up to 15% discount on premiums on AIA Living (excluding AIA Private Health) and ASB Lifestyle Security Plan (excluding ASB Private Health) policies quoted from 5 August 2019. Existing benefits may count toward the minimum sums assured to qualify for the discount but will not receive the discount.

     

    1. Qualifying for the discount

    To qualify for the Multi-Benefit Discount, the same life assured must be covered for a minimum sum assured under their Life benefit and hold at least one other benefit category, as shown in this table:

    Benefit Category Minimum sum assured required to qualify:
    Life benefits $100,000
    Trauma benefits $75,000
    Total Permanent Disablement (TPD) benefits $75,000
    Income Protection benefits $2,000 per month

    The minimum sum assured can be on fully underwritten AIA Living and/or ASB Lifestyle Security Protection (excluding Private Health), and/or fully underwritten risk policies issued by AIA from 1 June 2001 or by Sovereign from 1 February 2001. For details on which benefits count toward the minimum sum assured under each category, see the table at the end of this document.

     

    2. Policies eligible for the Multi-Benefit Discount

    The Multi-Benefit Discount only applies to benefits on AIA Living (excluding AIA Private Health) or ASB Lifestyle Security Plan (excluding ASB Private Health) policies quoted from 5 August 2019. Existing benefits may count toward the minimum sums assured to qualify for the discount but will not receive the discount.

    For example, if you hold an existing Sovereign TotalCare Max Life Cover benefit with $250,000 sum assured and you purchase an AIA Living Income Protection benefit, for the same life assured, with $2,500 monthly sum assured, you will receive a multi-benefit discount on the AIA Living Income Protection benefit.

    You may also be eligible to transfer your existing cover to AIA Living or ASB Lifestyle Security Plan policies offering the Multi-Benefit Discount. Please speak with your Adviser or ASB Insurance Manager.

     

    3. Applying the Multi-Benefit Discount

    The discount rate will depend on the number of benefits for which the life assured meets the minimum sum assured, as shown on this table:

    Meets minimum sum assured for: Discount
    Life benefit plus 1 other (Trauma, TPD or IP) 10%
    Life benefit plus 2 others (Trauma, TPD or IP) 12.5%
    All benefits (Life, Trauma, TPD and IP) 15%

    Once you qualify, we will apply the discount to all the benefits held by the life assured on the policies that are eligible to receive the discount.

    The discount is applied to the premium of the benefits held by the life assured, excluding the policy fee and excluding any premium resulting from per mille loading (if any).

     

    4. If things change

    If for any reason, the amount of cover and/or the number of benefits that the life assured holds with AIA change, we will re-calculate your discount and adjust your premium for your next billing due date.

    For example:

    Your discount may be reduced if: Your discount may increase if:
    • One of the qualifying benefits is cancelled;
    • The sum assured is reduced under the minimum;
    • A benefit expires because it reaches the end date; or
    • A claim is paid that ends a benefit
    • The sum assured is increased or the sum assured increases as a result of indexation;
    • The life assured takes up additional cover or benefits;
    • Reinstatement of benefits; or
    • Buy Back of benefits.
     

    Please note that the Multi-Benefit Discount terms and conditions apply to all premium structures. If you have selected a 10 years, To age 65, or To age 80 premium structure, the Multi-Benefit Discount applying to your policy may vary your premiums in line with these rules.

     

    5. Things you should know

    AIA reserves the right (subject to any applicable law) to cancel or modify the Multi-Benefit Discount to new and/or existing customers by posting updated Terms and Conditions at www.aia.co.nz

    If we stop offering the discount to existing customers, we will notify you at least 90 days before the change.

    Table: benefits that count toward the minimum sum assured under each category.

    Benefit Category AIA Living AIA policies Sovereign or ASB policies
    a) Life benefits Life Cover
    Accidental Death
    Family Protection
    Life Cover
    Accidental Death
    Life Cover
    Family Protection (converted to lump sum)
    Accidental Death
    b) Trauma benefits Critical Conditions Progressive Care REAL Trauma Critical Conditions
    Critical Conditions Essential
    Progressive Care
    c) Total Permanent Disablement (TPD) benefits TPD Any / Own Occupation
    TPD under Critical Conditions or
    Progressive Care
    TPD Any / Own Occupation TPD Any / Own Occupation TPD under Critical Conditions or
    Progressive Care
    d) Income Protection benefits Income Protection – Agreed Value, Indemnity or Loss of Earning
    Mortgage and Income Protection
    Business Continuity
    Business Income Support
    Rural Continuity - Agreed Value or Indemnity
    Start-Up Income Protection
    Income Protection Agreed Value, Indemnity or Loss of Earning
    Vital Income Protection
    Mortgage, Income and Rent Cover
    Business Continuation
    Farmers Protection
    New to Business
    Income Protection - Agreed Value, Indemnity or Loss of Earning
    Income Essential
    Mortgage and Income Protection
    Business Continuity
    Business Income Support
    Business Overheads
    Locum
    Rural Continuity - Agreed Value or Indemnity
    Start-Up Income Protection
    Contact Us

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    Private Bag 92499
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    Auckland 1142

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