Past insurance products

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.

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.

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

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.