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    AIA Living

    Life & Disability

    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.

    • Life Insurance

      Protects your loved ones’ future if you're diagnosed with a terminal illness or die.
    • Trauma Insurance

      Supports you and your family while you or your child navigate a serious illness or injury.
    • Total Permanent Disablement Insurance

      Secures your future if a serious illness or injury leaves you permanently disabled.
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      Safeguards your ability to earn if you’re unable to work due to illness or injury.
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    AIA Living

    Health Insurance

    Good health is invaluable. Remove the worry around unexpected medical bills, focus on the right treatment when and where you need it, and start your recovery sooner.

    • Private Health Insurance

      Takes care of your medical bills, provides faster medical care that suits your needs, and is available for children from birth.
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    AIA Living

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    Make sure your business is looked after in the event you or a key person is affected by illness, injury or death. We have a wide range of solutions, whatever the size and nature of your business; from those who are newly self-employed, to those in rural business.

    • Business Insurance

      Protection for new and existing business owners if a key person becomes seriously ill, is injured, or dies.
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      Keep your farm or share milking business running smoothly if a key person becomes seriously ill, is injured, or dies.
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    AIA Vitality

    AIA Vitality supports and motivates you every step of the way towards achieving your health goals. What’s more, get rewarded for making healthier choices and earn points for getting active, eating well and completing health checks!

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    • What is AIA Vitality

      AIA Vitality’s approach can take you on a journey to better health
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      Know your health, improve your health and enjoy the rewards
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    • Multi-Benefit Discount

    AIA LIVING

    We want to make insurance affordable for you and your family.

    Insurance is an important part of setting yourself up financially, protecting you and your family’s health, wealth and wellbeing. We know the cost of living in New Zealand is high and you have everyday expenses to manage, so we’ll do what we can to help you out.

    Eligible products across our insurance categories

    If you have two or more eligible insurances with AIA you may be able to access a discount on your AIA Living insurance premiums as outlined in the table below.

    To be eligible for a Multi-Benefit Discount, you must have life insurance with a minimum sum assured of $100,000 and at least one other insurance from the optional categories below. At least one of your products must be from the AIA Living range and these will be the only products that receive the discount.

    Talk to an Adviser
    • View Brochure View Brochure
    • View Terms & Conditions View Terms & Conditions

    * When converting your Family Protection insurance to a lump sum amount over the entire benefit term.

    Discount tiers

    If you are eligible for a Multi-Benefit Discount you’ll be entitled to the following discount:

    Do you have existing policies with us?

    When you take up new policies with AIA, we’ll take into consideration eligible existing insurance you have with us to see if you qualify for the Multi-Benefit Discount. If you’re eligible for the discount, this will then be applied to your new policies premium only.

    Optional benefits eligible to receive the discount

    The following optional benefits will not count towards eligibility within the product categories, but qualify to receive the discount. 

    Examples of optional benefits include:

    • Waiver of Premium
    • Premier Cover
    • Redundancy Cover
    • Retirement Protection
    • Children’s and Maternity
    • Life Buy-back
    • Critical Conditions Buy-back
    • Early Cancer Upgrade
    • Accidental Injury Cover
    • Total Permanent Disablement Condition
    • Future Insurability
    • Business Safeguard
    • Business Income Support

    Talk to an Insurance Adviser

    Why use an adviser?

    • An Insurance Adviser can give you free, expert advice to make sure you get the best insurance cover for your current and future needs.

      An Insurance Adviser can give you free, expert advice to make sure you get the best insurance cover for your current and future needs.

    • It costs you nothing and there is no obligation to purchase.

      It costs you nothing and there is no obligation to purchase.

    • Your Adviser will be there in the future to help support you if you ever need to make a claim.

      Your Adviser will be there in the future to help support you if you ever need to make a claim.

    Talk to an Adviser
    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. 

    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
    Your Duty of Disclosure
    Contact Us

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    New Zealand

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