Life Insurance
Provides a lump sum payment if you were to pass away or are diagnosed with a terminal illness.
What is Cancer Care?
AIA Cancer Care is specialised health insurance that helps cover costs for cancer diagnosis, treatment, and recovery. It provides unlimited cover for cancer surgery and access to specialist consultations, diagnostic tests to confirm cancer diagnosis, Pharmac and non Pharmac chemotherapy drugs and other support benefits. If you’re diagnosed with cancer, having more choice and control over your treatment plan can make your journey to recovery much easier.
With eligible policies you also get the added benefit of earning Airpoints Dollars™ for premiums paid, and have the opportunity to join AIA Vitality, a science-backed health and wellbeing programme that rewards your healthy choices. T&Cs apply
Key benefits of AIA Cancer Care
Built-in Benefits
Unlimited Cancer Surgery Claims
Unlimited claims for cancer surgeries, for example Surgeon, Anaesthetist, Radiologist and hospital fees.
Cancer Treatment
Up to $500,000 of extensive cancer cover for every stage: from diagnosis, to treatment (including the cost of Pharmac and non-Pharmac subsidised Medsafe indicated cancer chemotherapy drugs), and recovery.
Overseas Treatment
Options to have treatment overseas, including cover if you reside in Australia after taking out your health policy.
Cancer Diagnostics
$5,000 for diagnostic imaging and testing to confirm a cancer diagnosis.
Other Support Benefits
Support benefits include but are not limited to a $2,500 mental health support benefit and a public hospital cash grant.
Cancer Health Screening
Health screening allowance including bowel, breast, cervical, prostate and skin screening.
Suspension of Cover Benefit
AIA provide the flexibility to suspend your cover for up to 12 months, without medical evidence if you meet the following conditions:
No benefits will be payable for any claim event which occurs during this suspension period.
AIA Benefits
Enhancement Pass Back
We’re committed to keeping our insurance relevant for you. That’s why any improvements we make to our AIA products in the future are automatically applied to your policy, offering you even more at claim time.
The image below shows some common treatments our customers have needed and their average costs.
Our health insurance covers you for an extensive range of situations to help you manage unexpected medical bills. Read about them all in our brochure.
Grommets $2,500 - $3,500 | ![]() |
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Strabismus $6,000 - $7,500 (Correction of eye muscle movement) |
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Adenotonsillectomy $4,500 - $7,000 (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 - $10,000 |
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Spinal surgery $30,000 - $150,000 |
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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 $15,000 - $35,000 |
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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 - $150,000
Radiotherapy $20,000 - $45,000
Lung cancer $50,000 - $200,000
Metastatic melanoma $100,000 - $200,000
View frequently asked questions about AIA Cancer Care.
AIA Cancer Care can help pay for the significant costs associated with cancer treatment like hospital stays, diagnostics tests, treatments (including government funded and non-funded cancer treatment medication) and procedures, travel and lodging expenses, childcare, and more.
AIA Cancer Care cannot be held along with an existing AIA Health policy due to the significant overlap in cover.
If you have existing health insurance with another provider, you will need to review your policy to check if AIA Cancer Care will be a suitable addition to your cover.
AIA Cancer Care is only available with a zero-excess option.
We recommend you apply for cover providing full details of your family history. The underwriting process will determine if we can provide cover or if there will be additional terms applied to your policy.
AIA Cancer Care and AIA Private Health are two benefits available under our AIA Health range. AIA Cancer Care is designed to cover medical expenses associated with the diagnosis, treatment and recovery of cancer only whereas AIA Private Health provides comprehensive cover for a wide range of medical conditions including cancer.
Contact us or your insurance adviser as soon as possible once you know that you may have a claim.
With AIA you can easily contact our claims department online by live chat, telephone or email.
You may need prior approval before undertaking treatment. AIA will help you with this and arrange to pay providers directly if approved. For more information contact your adviser or visit aia.co.nz/claims
The Policy Owner owns and controls the policy and is responsible for payment of premiums. The Life Assured is the person who has been insured under the policy.
If you need to make any changes to a policy, we require written authority from the Policy Owner.
1. Ministry of Health. (2020, February 3). New Zealand Cancer Action Plan 2019-2020. Retrieved January 18, 2021, from https://www.health.govt.nz/publication/new-zealand-cancer-action-plan-2019-2029
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.