Life Insurance
Provides a lump sum payment if you were to pass away or are diagnosed with a terminal illness.
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.
You can also add AIA Vitality, our science-backed health and wellbeing programme that rewards your healthy choices via premium discounts and partner rewards. AIA Vitality can be added to your health insurance or cancer care for $11.50 per month. T&Cs apply
Plus, eligible health insurance policies also have the added benefit of earning Airpoints Dollars™ for premiums paid.
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.
AIA HEALTH
AIA HEALTH
Covers a range of medical conditions
Covers cancer-related treatments only
Earn via AIA Vitality & premium payments
Earn via AIA Vitality & premium payments
10% cashback in your first year, then you're in control of the discount your receive.
10% cashback in your first year, then you're in control of the discount your receive.
Surgery benefits
Private Health
Cancer Care
Minor surgical procedures performed by a GP
$3,000 per policy year
$3,000 per policy year
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
Prostate brachytherapy
$500,000 per policy year
$500,000 per policy year
Post-cancer treatment care and support
$1,000 per policy year
$1,000 per policy year
Public hospital cancer treatment cash benefit
$5,000 per lifetime
$5,000 per lifetime
Palliative and respite care
$1,500 per lifetime
$1,500 per lifetime
Medical hospitalisation and testing
Private Health
Cancer Care
Public hospital cash grant
$300 per day,
Up to $3,000 per policy year
$300 per day,
Up to $3,000 per policy year
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
Other support benefits
Private Health
Cancer Care
Mental health support benefit
$2,500 per policy year
$2,500 per policy year
Parent accommodation benefit
$200 per day,
Up to $3,000 per policy year
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)
Two years free cover (policy)
^This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.
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.
Grommets $2,500 - $3,500 | ![]() |
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Strabismus $6,000 - $7,500 (Correction of eye muscle movement) |
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Adenotonsillectomy $5,500 - $9,000 (Removal of tonsils and adenoids) |
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Sinus surgery $9,000 - $33,500 |
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Heart valve replacement $60,000 - $85,000 |
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Mastectomy (Unilateral) $17,000 - $30,000 |
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Mastectomy with breast reconstruction $50,000 - $100,000 |
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Hernia Repair $8,500 - $20,000 |
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Removal of skin lesion $500 - $15,000 |
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Spinal surgery $30,000 - $250,000 |
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Hip replacement $25,000 - $40,000 |
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Bowel resection $40,000 - $60,000 |
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Robotic prostatectomy $32,000 - $35,000 |
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Endometriosis surgery $20,000 - $50,000 |
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Additional diagnosis and treatment costs you and your family could experience:
Diagnostics (per test) |
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Ultrasound $400 - $500
CT Scan $1,300 - $1,700
MRI Scan $1,500 - $2,500
P.E.T Scan $2,000 - $2,800
Cancer treatments (per policy year) |
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Chemotherapy:
$15,000 - $400,000
Radiotherapy:
$20,000 - $55,000
Lung cancer:
$50,000 - $300,000
Metastatic melanoma:
$100,000 - $380,000
Source: AIA Health Claims Data, 1 July 2023
AIA Vitality can be added to health insurance or cancer care and has a monthly membership fee of $11.50 (Including GST).
Purchase an eligible insurance product and receive a 10% premium discount on your first year, earn up to $560 in vouchers and enjoy exclusive discounts from our partners to keep you motivated along your journey.
AIA Vitality can help you to start thriving, watch video.
*Please view the full AIA Vitality Terms and Conditions.
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.
Terms and conditions apply
Earn Airpoints Dollars™ with any eligible AIA branded policy. For every $100 of premium paid, you will earn 1 Airpoints Dollar*. Click here for full Airpoints Dollars™ terms and conditions. AIA Vitality is available with eligible AIA health or life insurance policies and has a monthly membership fee of $11.50 (including GST). Click here for full AIA Vitality terms and conditions.
When you apply for insurance with AIA New Zealand Limited, you have a legal duty of disclosure to AIA.