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  • Total care, Totalcare max, Total care max, Major Care

    Product Enhancements & Policy Wordings.

    For information on the latest product enhancements and policy wordings, please see below. 

    • Product Enhancements
    • Policy Wordings

    We want to look after you today and in the future. That’s why from time to time we may enhance products to ensure that they remain modern and relevant.

    The Enhancement Summaries below detail which products we have made enhancements to and the date these enhancements are effective from.

    If you hold a product that has been enhanced, in the event of a claim, we will compare the policy wordings issued to you with the latest policy wording available for the product that you hold, and we will apply the most favourable terms to your claim.

    Please note that any enhancements will only apply if the claimable event occurs after the effective date of the enhancement.

    AIA Living and Health Range

    PRODUCT ENHANCEMENTS – current products

    2023

    AIA Living Life & Trauma - 10 October 2023

    On Tuesday 10th October, we introduced some product enhancements to our Life and Trauma product range. This is to ensure our products continue to meet our customer’s needs.

    Below is the key information you will need to help you understand the details around the release.

    Product Enhancement summary

    • AIA Living Enhancement summary


    FAQs

    • AIA Living Enhancement FAQs

    2022

    2022
    - Close + Open
    AIA Living Trauma - 28 November 2022

    On Monday 28th November, we introduced some product enhancements to our Trauma product range. This is to ensure our products continue to meet our customer’s needs.

    Below is the key information you will need to help you understand the details around the release.

    Product Enhancement summary

    • AIA Living Trauma Enhancement summary


    FAQs

    • AIA Living Trauma Enhancement FAQs

    AIA Health - 8 April 2022

    On Friday 8 April, we introduced some product enhancements and minor updates to Policy Wordings across our AIA Health range. This is to ensure our products continue to meet our customer’s needs. 

    Below is the key information you will need to help you understand the details around the release.

    Product Enhancement Summaries

    • AIA Health Enhancement Summary - April 2022


    FAQS

    • AIA Product Enhancements – April 2022 FAQS

    2021

    2021
    - Close + Open

    AIA Living - 23 July 2021

    On 23 July 2021, we introduced 15 product enhancements across AIA Living Life, Trauma, Total Permanent Disablement and AIA Health to ensure our products continue to meet our customers' needs.

    Below is the key information you will need to help you understand the details around the release.

    Product Enhancement Summaries

    • AIA Living Life
    • AIA Living Trauma
    • AIA Living Total Permanent Disablement
    • AIA Living Income Protection
    • AIA Health


    FAQS

    • AIA Product Enhancements - July 2021 FAQs

    2020

    2020
    - Close + Open

    AIA Living Life, TPD, Trauma & AIA Start-Up Income Protection - Dec 2020

    In December 2020, we introduced 13 product enhancements across AIA Living Life, TPD, Trauma and AIA Start-Up Income Protection.

    Below is the key information you'll need to help you understand the details around this release.

    Product enhancement summaries

    • AIA Living Life
    • AIA Living Trauma
    • AIA Living TPD
    • AIA Start-Up Income Protection


    FAQs

    • AIA Product Enhancements - December 2020 FAQs

    Past Product ENHANCEMENTS

    This section provides information on enhancements we have made to some past product ranges (listed below) offered by AIA and Sovereign that are no longer available for sale, but remain in place for existing customers holding these products:

    • Sovereign TotalCare and TotalCare Max policies issued since February 2001
    • Sovereign Private Health
    • AIA Life, Income Protection, Total Permanent Disablement and Trauma products issued since 2001
    • AIA Real Health


    Note: The list of past products on this page is not exhaustive. If you hold past products other than the ones listed above, please speak to your adviser, contact us on live chat or call 0800 500 108 to discuss if any enhancements apply to your policy or to request a copy of your policy wording.

    Enhancements to Past Sovereign Products

    2023

    • Closed Sovereign Enhancements – effective 10 October 2023

    2022

    • Closed Sovereign Trauma Enhancements – effective 28 November 2022

    • Closed Sovereign Private Health Enhancements Summary

    • Closed Sovereign Absolute Health and MajorCare Enhancements - 8 April 2022
    • Closed Sovereign Private Health Enhancements - 8 April 2022

    2021

    • Closed Sovereign Enhancements - effective 23 July 2021

    2020

    • Closed Sovereign Enhancements - effective 1 December 2020

    2019

    • Closed Sovereign Enhancements - effective 5 August 2019

    • Closed Sovereign TotalCareMax Income Protection Enhancements Summary
    • Closed Sovereign TotalCareMax Life Enhancements Summary
    • Closed Sovereign TotalCareMax TPD Enhancements Summary
    • Closed Sovereign TotalCareMax TPD Enhancements Summary
    Enhancements to Past AIA Products

    2023

    • Closed AIA Enhancements – effective 10 October 2023

    2022

    • Closed AIA Trauma Enhancements – effective 28 November 2022

    • Closed AIA Enhancements effective 08 April 2022.pdf

    2021

    • Closed AIA Enhancements - effective 23 July 2021

    2020

    • Closed AIA Enhancements - effective 1 December 2020

    2019

    • Closed AIA Superior Health Enhancement Summary

    • Closed AIA Enhancements - effective 5 August 2019

    • Closed AIA Real Health Enhancements Summary
    • Closed AIA Real Income Protection Enhancements Summary
    • Closed AIA Real Life Enhancements Summary
    • Closed AIA Real TPD Enhancements Summary
    • Closed AIA Real Trauma Enhancements Summary

    For Selected Past Sovereign Products

    Policy Loans

    Best Doctors


    For copies of the latest policy wordings for our current and past products, including any applicable recent product enhancements, please see below.

    Please note that any enhanced wordings will only apply if the claimable event occurs after the effective date of the enhancement.

    If you hold a past product other than those provided below, please contact us on live chat or call 0800 500 108 to request a copy of your issued policy wordings and to discuss if there is a more recent version containing any applicable enhancements.

    Policy Documents - Current Products

    Last updated for Enhancements 10 October 2023

    Personal

    • AIA Living - Umbrella Wording

    • AIA Living Personal - Accidental Death Benefit
    • AIA Living Personal - Accidental Injury Cover
    • AIA Living Personal - Critical Conditions
    • AIA Living Personal - Family Protection
    • AIA Living Personal - Income Protection Benefit Agreed Value
    • AIA Living Personal - Income Protection Benefit Indemnity
    • AIA Living Personal - Life Cover
    • AIA Living Personal - Loss of Earnings Benefit
    • AIA Living Personal - Mortgage and Income Protection Benefit
    • AIA Living Personal - Progressive Care

    • AIA Living Personal - Total Permanent Disablement Benefit
    • AIA Living Personal - Waiver of Premium Benefit

    AIA Health

    • AIA Cancer Care
    • AIA Health Waiver of Premium
    • AIA Private Health

    Business

    • AIA Living - Umbrella Wording

    • AIA Living Business - Accidental Injury Cover
    • AIA Living Business - Business Continuity Benefit
    • AIA Living Business - Critical Conditions
    • AIA Living Business - Life Cover
    • AIA Living Business - Progressive Care
    • AIA Living Business - Rural Continuity Benefit
    • AIA Living Business - Rural Continuity Business Income Support Benefit
    • AIA Living Business - Total Permanent Disablement Benefit
    • AIA Living Business - Waiver of Premium Benefit

    AIA Business

    • AIA Business - AIA Start Up Income Protection

    Policy documents - past products

    Sovereign Policies

    Sovereign Policies
    - Close + View all

    Sovereign TotalCareMax (TCM) Personal Insurance Policies

    • TCM Personal Cover - Accidental Death Benefit
    • TCM Personal Cover - Accidental Injury Cover
    • TCM Personal Cover - Comprehensive Living Assurance
    • TCM Personal Cover - Disability Income Protection Benefit Agreed Value
    • TCM Personal Cover - Disability Income Protection Benefit Indemnity
    • TCM Personal Cover - Essential Disability Income Benefit
    • TCM Personal Cover - Essential Living Assurance Benefit
    • TCM Personal Cover - Family Protection Benefit
    • TCM Personal Cover- Life Cover Benefit
    • TCM Personal Umbrella Policy Wordings

    • TCM Personal Cover - Loss of Earnings Benefit
    • TCM Personal Cover - Mortgage and Income Protection Benefit
    • TCM Personal Cover - Progressive Care Benefit
    • TCM Personal Cover - Redundancy Benefit
    • TCM Personal Cover - Retirement Protection Benefit
    • TCM Personal Cover - Specialist and Diagnostic Testing Benefit
    • TCM Personal Cover - Total Permanent Disablement
    • TCM Personal Cover - Waiver of Premium Benefit

    Sovereign TotalCareMax (TCM) Business Insurance Policies

    • TCM Business Continuity Business Overheads Benefit Agreed Value
    • TCM Business Cover - Accidental Injury Cover
    • TCM Business Cover - Business Continuity Benefit
    • TCM Business Cover - Business Continuity Business Overheads Benefit Indemnity
    • TCM Business Cover - Business Continuity Locum Cover Disability Income Benefit
    • TCM Business Cover - Comprehensive Living Assurance Benefit
    • TCM Business Cover - Life Cover Benefit
    • TCM Business Cover - Progressive Care Benefit
    • TCM Business Cover - Rural Continuity Benefit
    • TCM Business Umbrella Policy Wordings

    • TCM Business Cover - Rural Continuity Business Income Support Benefit
    • TCM Business Cover - Specialist and Diagnostic Testing
    • TCM Business Cover - Total Permanent Disablement
    • TCM Business Cover - Waiver of Premium

    Sovereign Business Insurance Policies

    • Business Cover - Start up Income Protection

    Sovereign Private Health Insurance Policies

    • Private Health
    • Private Health Waiver of Premium Benefit

    AIA Policies

    AIA Policies
    - Close + View all

    AIA REAL Personal Insurance Policies

    • Cancer Treatment Benefit
    • Personal Cover - Accidental Death Benefit
    • Personal Cover – Income Protection Benefit
    • Personal Cover – Life Cover
    • Personal Cover - Loss of Earnings Premier Benefit
    • Personal Cover - Mortgage Income and Rent Cover
    • Personal Cover – REAL Health
    • Personal Cover - Total and Permanent Disability
    • Personal Cover – Trauma Cover
    • Personal Cover – Vital Income Protection

    AIA REAL Business Insurance Policies

    • Business Cover Professional – Business Continuation Cover
    • Business Cover Professional - Farmers Revenue Protection Cover
    • Business Cover Professional – Life Cover
    • Business Cover Professional - New to Business Cover
    • Business Cover Professional – Total and Permanent Disability
    • Business Cover Professional – Trauma Cover

    AIA Superior Health Policies

    • Superior 3 Health Cover
    • Superior Health Cover


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