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

    Past insurance products

    AIA has launched a new product range called “AIA Living”. This page provides information on some past insurance products offered by AIA and Sovereign through insurance advisers. These products are no longer available for sale but remain ongoing for existing customers.

    To ensure that cover for customers holding these past products remains modern, we will continue to enhance these products from time-to-time.

    This means that at claim time, we will compare the policy wording issued to you with the latest policy wording available for the product and we will apply the most favourable terms to your claim.

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

    If you have questions, claims or health pre-approvals, call

    0800 500 108

    Mon-Fri, 8am-6pm

    Which past products do the enhancements apply to?

    Future enhancements will continue to be applied to the following products:

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

     

    Note: If you hold past products other than the ones listed above, please speak to your adviser or call us on 0800 500 108 to discuss if any enhancements apply to your policy.

    How does AIA decide which enhancements will be applied to these products?

    Future enhancements to these past products will be based on enhancements to the AIA Living product range:

    • Enhancements to benefits common to AIA Living and these past products will be applied;
    • The introduction of new built-in benefits to AIA Living will be applied to these products; and
    • Enhancements to an existing benefit not common to AIA Living and these past products will be given individual consideration at AIA’s discretion.

     

    Where can I find details of the enhancements?

    Please refer to the enhancement summaries below for details of enhancements made to these past policies.

    Enhancements to Past Sovereign Products

    • Sovereign Private Health Enhancements Summary.pdf
    • Sovereign TotalCareMax Income Protection Enhancements Summary.pdf
    • Sovereign TotalCareMax Life Enhancements Summary.pdf
    • Sovereign TotalCareMax TPD Enhancements Summary.pdf
    • Sovereign TotalCareMax Trauma Enhancements Summary.pdf

    Enhancements to past AIA products

    • AIA Real Health Enhancements Summary.pdf
    • AIA Real Income Protection Enhancements Summary.pdf
    • AIA Real Life Enhancements Summary.pdf
    • AIA Real TPD Enhancements Summary.pdf
    • AIA Real Trauma Enhancements Summary.pdf
    • AIA Superior Health Enhancement Summary

    Policy documents

    Sometimes it is easier to see how the enhancement works by seeing it in the context of the policy wording. To make it easy for you, the latest versions of past policy wordings are available below.

    Please note that these policy wordings do not replace your issued policy wording and at claim time, we will compare the policy wording issued to you with the latest policy wording available for the product and we will apply the most favourable terms to your claim.

    If you think you may have a claim, please check with your adviser or contact us on 0800 500 108 – we are here to help.

    Sovereign TotalCareMax Personal Insurance Policies

    • Main Umbrella Policy Wordings - TotalCareMax
    • TCM Personal Cover - Accidental Death
    • 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 Protection
    • TCM Personal Cover - Essential Living Assurance
    • TCM Personal Cover - Family Protection Benefit
    • TCM Personal Cover - Life Cover Benefit

    • TCM Personal Cover - Loss of Earnings Benefit
    • TCM Personal Cover - Mortgage and Income Protection
    • 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 Business Insurance Policies

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

    • TCM Business Cover - Rural Continuity Business Income Support
    • 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

    Sovereign MajorCare Insurance Policies issued from 2003

    • Main Umbrella Policy Wordings - MajorCare.pdf
    • MajorCare 03 - Benefit Sheet.pdf

    Sovereign Absolute Health Insurance Policies issued from 2008

    • Absolute Health 08 - Benefit Sheet.pdf
    • Absolute Health Umbrella Policy Wordings.pdf

    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 Health.pdf
    • Superior Health 03.pdf

    For Selected Past Products

    Policy Loans

    Best Doctors

    Existing Customers - Support

    If you’re an existing Sovereign or AIA policy holder looking for support, please feel welcome to send us a message, or call us on 0800 500 108 Monday to Friday 8am to 6pm.


    You can also use live chat to speak with an AIA Customer Service Consultant, Mon-Fri 8am-6pm.

    Useful links
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      MyAIA
    • FAQs and Forms

      Are you looking to update your personal or policy details? Find the answers and forms for our frequently asked questions.

      FAQs and Forms
    Contact Us

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