Health Insurance

AIA Health insurance takes care of your medical bills and provides you with faster access to medical care that suits your needs.

What is health insurance and why do you need it?

AIA Health Insurance provides peace of mind that you and your family can get faster access to medical treatment when you need it most. Relying on the public system for conditions that are not urgent or accidental can result in long waiting lists and delayed treatment. Health insurance removes the worry around unexpected medical bills so you can focus on getting the right treatment and start your recovery sooner.

AIA offers two health insurance options; private health cover for a wide range of medical conditions, covering costs like surgery, specialist consultations, diagnostic imaging and testing, and a specialised cancer insurance that focusses on diagnosis, treatment, and recovery of cancer. Compare private health insurance and cancer care to find the level of cover that's right for you.

AIA Vitality is our personalised, science backed health and wellbeing programme that supports you every day to make healthier lifestyle choices. It takes you on a journey to better health - where you get to know your health, improve it, and enjoy the rewards for doing so.

Add AIA Vitality when you purchase health insurance for $11.50 per month to receive:

an initial 10% premium discount* on your first year's premium
earn up to $560 in vouchers or Airpoints Dollars™ per membership year
exclusive rewards and discounts from our partners.

*T&C's apply.

Why get insurance advice?

Our advisers combine knowledge of our insurance options with an in-depth understanding of your financial situation, so you know you’re making the right choice – whether that means life, trauma, disability, or health insurance.

Ready to get started?

Did you know?

In 2023, we paid over $143 million in claims for health insurance. Annual health insurance claims increased by 6% due to escalating costs and increase need for healthcare.

Compare health insurance options^{^}

AIA HEALTH

Private Health

Covers a range of medical conditions

Cancer Care

Covers cancer-related treatments only

AIA Vitality

Can be added for $11.50 per month (16+)

AIA Vitality Premium Discount

Receive a 10% discount in your first year, then you're in control of the discount you receive.

Surgery benefits

Private Health

Cancer Care

Inpatient treatment costs

Access to pre and post-surgery support services like consultations, physiotherapy and prescription drugs

Unlimited

Minor surgical procedures performed by a GP

Up to $3,000 per policy year across both benefits. (Daily limits may apply)

Surgical costs for specified congenital conditions

$2,000 per lifetime

Cancer cover benefits

Private Health

Cancer Care

Treatments and procedures, including the cost of Pharmac and non-Pharmac subsidised Medsafe indicated cancer chemotherapy drugs

Consultations, tests and diagnostic imaging

Breast reconstruction following mastectomy

Breast symmetry following mastectomy

Prophylactic surgery following cancer

Prostate brachytherapy

$500,000 per policy year

Cancer diagnostics

No specific benefit but may be covered by other benefits of the policy

$5,000 per policy year

Post-cancer treatment care and support

$1,000 per policy year

Public hospital cancer treatment cash benefit

$5,000 per lifetime

Palliative and respite care

$1,500 per lifetime

Medical hospitalisation and testing

Private Health

Cancer Care

Hospitalisation

$500,000 per policy year

No specific benefit but may be covered by other benefits of the policy

Major diagnostic imaging and tests

$200,000 per policy year

No specific benefit but may be covered by other benefits of the policy

Public hospital cash grant

$300 per day,
Up to $3,000 per policy year

Loyalty benefits

Private Health

Cancer Care

Bilateral breast reduction allowance

Bariatric surgery allowance

$7,500 per lifetime across both benefits (after three years)

Sterilisation

$5,000 per lifetime (after one year)

Cancer health screening allowance

No specific benefit but may be covered by other benefits of the policy

$300 (after three years)
or $450 for AIA Vitality members (after two years)

Overseas treatment benefits

Private Health

Cancer Care

Voluntary treatment in Australia

100% of the reasonable charges payable in New Zealand

Voluntary treatment overseas (other than Australia)

85% of the reasonable charges payable in New Zealand

Treatment overseas where the waiting period in New Zealand is greater than six months

100% of the reasonable charges payable in New Zealand

Treatment overseas not available in New Zealand

$30,000 per policy year

Other support benefits

Private Health

Cancer Care

Mental health support benefit

$2,500 per policy year

Parent accommodation benefit

Treatment away from home in New Zealand

Up to $3,000 per policy year across both benefits.

(Daily limits may apply)

N/A

Up to $3,000 per policy year.

(Daily limits may apply)

Obstetric care allowance

$2,000 per policy year

Parents grieving benefit

$2,000 per child

Waiver of premium on death

Two years free cover (policy)

Optional upgrade – Private Health Plus

Private Health Plus

N/A

Additional diagnostic imaging and tests

$100,000 per policy year

Additional specialist consultations

$10,000 per policy year

Pregnancy, maternity and infertility allowance

$1,500 per policy year
(after two years)

Health screening allowance

$500 (after three years) or $750 for AIA Vitality members (after two years)

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

The benefits of Health Insurance

The image below shows some common treatments our customers have needed and their average costs.

Our health insurance products cover you for an extensive range of situations to help you manage unexpected medical bills.

Private Health

Cancer Care

Grommets $4,000 - $7,000
Strabismus $6,000 - $7,500 (Correction of eye muscle movement)
Adenotonsillectomy $5,500 - $9,000 (Removal of tonsils and adenoids)
Sinus surgery $9,000 - $33,500

Heart valve replacement $80,000 - $100,000
Mastectomy (Unilateral) $17,000 - $30,000
Mastectomy with breast reconstruction $50,000 - $100,000
Hernia Repair $8,500 - $20,000
Removal of skin lesion $500 - $15,000
Spinal surgery $30,000 - $250,000

Hip replacement $25,000 - $40,000
Bowel resection $40,000 - $60,000
Robotic prostatectomy $32,000 - $35,000
Endometriosis surgery $20,000 - $50,000

Additional diagnosis and treatment costs you and your family could experience:

Diagnostics (per test)

Ultrasound $250 - $600

CT Scan $600 - $1,700

MRI Scan $1,500 - $2,500

P.E.T Scan $2,500 - $3,000

Cancer treatments (per policy year)

Chemotherapy:
$15,000 - $400,000

Pharmac funded drugs $800 - $4,500 per month
Non Pharmac funded drugs $8,000 - $40,000 per month

Radiotherapy:
$20,000 - $55,000

Lung cancer:
$50,000 - $300,000

Metastatic melanoma:
$100,000 - $380,000

Source: AIA Health Claims Data, 30 April 2024

Do you want additional peace of mind?

Additional options are available for you to extend your cover for additional needs.

Trauma Insurance

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

Find out more

Income Protection Insurance

Monthly payment to replace a portion of your income if you are unable to work due to sickness or injury.

Find out more

Life Insurance

Provides a lump sum payment if you were to pass away.

Find out more

Why choose AIA?

Start thriving with

AIA Vitality

Add AIA Vitality to any eligible insurance product and receive an initial 10% premium discount* plus an array of rewards. T&Cs apply.

92% Claims paid

in 2023

$734.8M

Paid

Between 1 January and
31 December 2023.

Financial Strength

Rating

AA

(VERY STRONG)
RATING

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 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.

Terms and conditions apply
AIA Vitality is available with eligible AIA health or life insurance policies and has a monthly membership fee of $11.50 (including GST). View the full AIA Vitality 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

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Did you know?

Compare health insurance options^

Private Health

Talk to an Adviser

Cancer Care

Talk to an Adviser

Talk to an Adviser

Talk to an Adviser

The benefits of Health Insurance

Do you want additional peace of mind?

Trauma Insurance

Income Protection Insurance

Life Insurance

Why choose AIA?

Start thriving with

AIA Vitality

92% Claims paid

in 2023

$734.8M

Paid

Financial Strength

Rating

AA

Disclaimer

Your Duty of Disclosure

Code of Conduct & Procedures

Compare health insurance options^{^}