AIA HEALTH

Cancer Care

Q: How do I make a claim?

Contact us or your insurance adviser as soon as possible once you know that you may have a claim. With AIA you can easily contact our claims department online by live chat, telephone or email. You may need prior approval before undertaking treatment. AIA will help you with this and arrange to pay providers directly if approved. For more information contact your adviser or visit aia.co.nz/claims

What is Cancer Care?

AIA Cancer Care is specialised health insurance that helps cover costs for cancer diagnosis, treatment, and recovery. It provides unlimited cover for cancer surgery and access to specialist consultations, diagnostic tests to confirm cancer diagnosis, Pharmac and non Pharmac chemotherapy drugs and other support benefits. If you’re diagnosed with cancer, having more choice and control over your treatment plan can make your journey to recovery much easier.

With eligible policies you also get the added benefit of earning Airpoints Dollars™ for premiums paid, and have the opportunity to join AIA Vitality, a science-backed health and wellbeing program that rewards your healthy choices. T&Cs apply

Ready to talk to an insurance expert?

Key benefits of AIA Cancer Care

Includes $500,000 extensive cover for cancer treatment and recovery.
Access to Pharmac and non-Pharmac Medsafe indicated cancer chemotherapy drugs.
Options to have treatments overseas.

AIA HEALTH

Cancer Care

Specialised health insurance that helps cover costs for cancer diagnosis, treatment, and recovery.

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Built-in Benefits

Unlimited Cancer Surgery Claims

Unlimited claims for cancer surgeries, for example Surgeon, Anaesthetist, Radiologist and hospital fees.

Cancer Treatment

Up to $500,000 of extensive cancer cover for every stage: from diagnosis, to treatment (including the cost of Pharmac and non-Pharmac subsidised Medsafe indicated cancer chemotherapy drugs), and recovery.

Overseas Treatment

Options to have treatment overseas, including cover if you reside in Australia after taking out your health policy.

Cancer Diagnostics

$5,000 for diagnostic imaging and testing to confirm a cancer diagnosis.

Other Support Benefits

Support benefits include but are not limited to a $2,500 mental health support benefit and a public hospital cash grant.

Cancer Health Screening

Health screening allowance including bowel, breast, cervical, prostate and skin screening.

Suspension of Cover Benefit

AIA provide the flexibility to suspend your cover for up to 12 months, without medical evidence if you meet the following conditions:

Take parental leave
Take leave without pay for any reason
Get made redundant
Become unemployed
Experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year)
If self-employed, experience a 30% reduction in revenue (by comparing one month’s revenue against the same month for the previous year)

No benefits will be payable for any claim event which occurs during this suspension period.

AIA Benefits

Enhancement Pass Back

We’re committed to keeping our insurance relevant for you. That’s why any improvements we make to our AIA products in the future are automatically applied to your policy, offering you even more at claim time.

Were you looking for cover across a wider range of medical conditions?

Have you thought about AIA Private Health?

The benefits of Health Insurance

The image below shows some common treatments our customers have needed and their average costs.

Our health insurance covers you for an extensive range of situations to help you manage unexpected medical bills. Read about them all in our brochure.

Grommets $2,500 - $3,500
Strabismus $6,000 - $7,500 (Correction of eye muscle movement)
Adenotonsillectomy $4,500 - $7,000 (Removal of tonsils and adenoids)
Sinus surgery $9,000 - $33,500

Heart valve replacement $60,000 - $85,000
Mastectomy (Unilateral) $17,000 - $30,000
Mastectomy with breast reconstruction $50,000 - $100,000
Hernia repair $8,500 - $20,000
Removal of skin lesion $500 - $10,000
Spinal surgery $30,000 - $150,000

Hip replacement $25,000 - $40,000
Bowel resection $40,000 - $60,000
Robotic prostatectomy $32,000 - $35,000
Endometriosis surgery $15,000 - $35,000

Additional diagnosis and treatment costs you and your family could experience:

Diagnostics (per test)

Ultrasound $400 - $500

CT Scan $1,300 - $1,700

MRI Scan $1,500 - $2,500

P.E.T Scan $2,000 - $2,800

Cancer treatments (per policy year)

Chemotherapy:
$15,000 - $150,000

Pharmac funded drugs $800 - $3,500 per month
Non Pharmac funded drugs $8,000 - $25,000 per month

Radiotherapy $20,000 - $45,000

Lung cancer $50,000 - $200,000

Metastatic melanoma $100,000 - $200,000

Why Choose AIA?

Access AIA Vitality with eligible AIA Insurance policies, a science-backed health and wellbeing program that rewards your healthy choices.

T&Cs apply.

Earn Airpoints Dollars™ for premiums paid on any eligible policy.

T&Cs apply.

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 Cancer Care

FAQs

View frequently asked questions about AIA Cancer Care.

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What are the benefits of AIA Cancer Care?

AIA Cancer Care can help pay for the significant costs associated with cancer treatment like hospital stays, diagnostics tests, treatments (including government funded and non-funded cancer treatment medication) and procedures, travel and lodging expenses, childcare, and more.

What if I already have health insurance, can I still get AIA Cancer Care?

AIA Cancer Care cannot be held along with an existing AIA Health policy due to the significant overlap in cover.

If you have existing health insurance with another provider, you will need to review your policy to check if AIA Cancer Care will be a suitable addition to your cover.

Is there an excess with AIA Cancer Care?

AIA Cancer Care is only available with a zero-excess option.

Can children get AIA Cancer Care?

Yes, there is no minimum age to apply for AIA Cancer Care.

What’s the difference between AIA Cancer Care and AIA Living Critical Conditions insurance?

AIA Living Critical Conditions is a trauma product designed to make a lump sum payment if you are diagnosed with a serious illness or injury from a defined set of conditions (including cancer).
AIA Cancer Care is a health insurance product designed to cover medical expenses associated with the diagnosis, treatment and recovery of cancer. It provides ongoing cover for cancer treatment, rather than a lump sum as in Critical Conditions.

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If Cancer runs in my family, can I still get AIA Cancer Care?

We recommend you apply for cover providing full details of your family history. The underwriting process will determine if we can provide cover or if there will be additional terms applied to your policy.

Is AIA Cancer Care and AIA Private Health insurance the same?

AIA Cancer Care and AIA Private Health are two benefits available under our AIA Health range. AIA Cancer Care is designed to cover medical expenses associated with the diagnosis, treatment and recovery of cancer only whereas AIA Private Health provides comprehensive cover for a wide range of medical conditions including cancer.

How do I make a claim?

With AIA you can easily contact our claims department online by live chat, telephone or email.

You may need prior approval before undertaking treatment. AIA will help you with this and arrange to pay providers directly if approved. For more information contact your adviser or visit aia.co.nz/claims

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.

If you need to make any changes to a policy, we require written authority from the Policy Owner.

Product Brochure

Download

Policy Wordings

AIA Cancer Care

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AIA Cancer Care

1. Ministry of Health. (2020, February 3). New Zealand Cancer Action Plan 2019-2020. Retrieved January 18, 2021, from https://www.health.govt.nz/publication/new-zealand-cancer-action-plan-2019-2029

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. Copies of our disclosure statements are available on request, free of charge.

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
Earn Airpoints Dollars™ with any eligible AIA branded policy. For every $100 of premium paid, you will earn 1 Airpoints Dollar*. Click here for full Airpoints Dollars™ terms and conditions. AIA Vitality is available with eligible AIA health or life insurance policies and has a monthly membership fee of $11.50 (including GST). Click here for 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.

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Cancer Care

Talk to an Adviser

Cancer Care

Were you looking for cover across a wider range of medical conditions?

The benefits of Health Insurance

Why Choose AIA?

Ready to apply?

Talk to an insurance expert

More about AIA Cancer Care

FAQs

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Product Brochure

Policy Wordings

AIA Cancer Care

AIA Cancer Care

Disclaimer

Your Duty of Disclosure