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    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.

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    • Life Insurance

      Lump sum payment if you were to pass away or are diagnosed with a terminal illness.

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      Financial support if you or your child become seriously ill or injured.

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      Lump sum payment if you become permanently disabled and are unable to work.

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  • Specified Accidental Injury insurance NZ

    Specified Accidental Injury Cover

    Short-term financial support, helping you continue daily life while recovering from an accident.

    What is Specified Accidental Injury Cover and why do you need it?

    Experiencing an accidental injury can have an immediate impact on your daily life and ability to do your job, whether you’re a builder, office worker, or a parent caring for children at home.

    If you have an accident and suffer one of the covered injuries, Specified Accidental Injury Cover can provide temporary financial support as a lump sum payment. This payment can be used for whatever you need: covering treatment costs, getting taxis to work, hiring someone to help with children, or simply taking time off work to recover.

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    What are the key benefits of AIA Living Specified Accidental Injury Cover?
    • Provides additional financial support on top of ACC should you experience a covered injury so you can focus on recovery.
    • Choose how you use your lump sum payment. Whether that’s to work fewer hours, take time off work all together, or get some help to keep managing your daily tasks.
    • No need for proof of income. If a carer or parent at home is injured it can affect their ability to fulfil daily tasks, which in turn can affect the whole household financially.

    What products can you add Specified Accidental Injury Cover to?

    You can add Specified Accidental Injury Cover to eligible Life, Trauma, Income Protection or Total Permanent Disablement insurance including our AIA Living range, subject to minimum cover levels. Check with your adviser to confirm eligibility if you hold an existing policy. It cannot be added to Starter Plans or AIA Health products.


    Ready to get started?

    • Talk to an adviser
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    • View Brochure

    What injuries are covered by AIA Living Specified Accidental Injury Cover^

    Specified injury categories

    What will we pay (lump sum)

    Category A

    Fracture of jaw, skull, collarbone


    Fracture of forearm, wrist


    Fracture of hand (excluding fingers)


    Fracture of thumb


    Fracture of ankle, heel, fracture of leg below the knee (tibia or fibula)


    Fracture of foot (excluding toes)


    Fracture of big toe


    Fracture of 3 or more ribs


    Amputation of any finger (including thumb) or big toe

    One times the monthly benefit amount

    Category B

    Fracture of upper arm, elbow, shoulder


    Fracture of vertebrae


    Fracture of kneecap


    Injury that results in a tear of the shoulder or knee that results in surgery under general anaesthesia

    Two times the monthly benefit amount

    Category C

    Fracture of leg above the knee (femur)


    Fracture of the pelvis


    Fracture of the hip


    Fractures to multiple limbs

    Three times the monthly benefit amount

    Category D

    Amputation of the thumb and index finger of the same hand


    Full thickness burns (excluding hands) to 20% or more of the body surface


    Full thickness burns to 25% of the face or 50% of surface of both hands


    Permanent total blindness in one eye

    Six times the monthly benefit amount

    Category E

    Amputation or Permanent total loss of function of a foot or hand


    Amputation or Permanent total loss of function of one or more limbs


    Permanent total paralysis


    Permanent total blindness


    Permanent total loss of hearing

    Twelve times the monthly benefit amount

    ^This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.

    More about AIA SPECIFIED Accidental Injury Cover

    FAQs

    View frequently asked questions about AIA Living Specified Accidental Injury Cover

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    What injuries are covered for AIA Living Specified Accidental Injury Cover?

    We understand that injuries can have varying recovery periods which may have different impacts on your life, so we have created specified injury categories that offer varying amounts of cover to support you through your recovery. 

    Specified Accidental Injury Cover only applies to injuries specifically covered under the 'specified injury categories' outlined in the above table and in the policy wordings. All other injuries are not covered. 


    How is your payment calculated?

    The payment you receive will be a lump sum payment, which is calculated using your selected monthly benefit amount multiplied by the amount payable for the injury as set out in the table. You can choose a monthly benefit amount up to $5,000.

    For example: While walking her dog, Beth trips and falls on her knee onto the concrete footpath. She heads to the emergency clinic where an x-ray confirms she has fractured her kneecap, this is a covered injury under Category B. 

    Beth has selected $5,000 as her monthly benefit amount. With a fractured kneecap injury, Beth will receive a claim payment of $10,000 ($5,000 x 2 months). 


    Is there a minimum amount of cover to qualify to add on Specified Accidental Injury Cover?

    Yes, there are minimum amounts that apply if you want to add Specified Accidental Injury Cover as an optional product to your eligible AIA Living insurance products. These are the following:

    • $150,000 cover across all eligible life, trauma and total permanent disablement products; or
    • $1,500 per month across all eligible Income Protection products. 

    If these minimum amounts are not met, whether at the start of the Specified Accidental Injury Cover or at a later date, you will not be eligible to hold Specified Accidental Injury Cover. 


    Can I add AIA Vitality to Specified Accidental Injury Cover?

    Yes, AIA Vitality is eligible to add to your Specified Accidental Injury Cover. When you sign up to AIA Vitality you receive an initial 10% premium discount on your eligible insurance policies. Then you’re in control of the discount you can receive through ongoing engagement with the AIA Vitality programme. After the initial discount period (first year of membership), your AIA Vitality Discount will be determined annually based on your current AIA Vitality Status level on your policy anniversary. Check with your adviser to confirm eligibility if you hold an existing policy. For more details on Premium Flex, refer to aia.co.nz/premium-flex


    Policy Wordings

    AIA LIVING Specified Accidental Injury Cover

    AIA LIVING Specified Accidental Injury Cover
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    AIA Living Specified Accidental Injury Cover - Personal
    AIA Living Specified Accidental Injury Cover - Business

    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. 

    A note on exclusions and benefits
    This insurance (including the built-in and optional benefits) is subject to exclusions. Please also note that the optional benefits are subject to an increase in premium and their own 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.

    Find out More
    Contact Us

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    Private Bag 92499
    Victoria St West
    Auckland 1142

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    CONTACT US

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    Mon - Fri 8:30am - 5:30pm
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    View all contact options
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