Life Insurance
Lump sum payment if you were to pass away or are diagnosed with a terminal illness.
What is private health insurance?
AIA Private Health insurance covers many health conditions and allows faster access to urgent treatment when you need it most. With private medical insurance you also have the freedom to choose your own specialist and receive medical care according to your preferences.
Health insurance gives you peace of mind, knowing that you can manage unexpected medical bills. Surgery costs, imaging and tests to confirm a medical diagnosis, cancer cover, overseas treatment options, hospital costs and many more are covered by health insurance. You can also choose to upgrade your health insurance to AIA Private Health Plus to access even more benefits. Compare health insurance options below.
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 private health insurance for $11.50 per month to receive:
Imagine 3 months on us
Buy any eligible insurance by 31 March, add AIA Vitality and get up to 3 months' premium free. T&Cs apply.
New Zealand's public health system provides free or low-cost health care to New Zealanders and the Accident Compensation Corporation (ACC) for accidents. However, relying on the health system on its own may result in long waiting lists and delayed treatment.
With private health insurance you can ensure that your health remains a priority, regardless of what happens in the future. You can trust that you will have financial support with medical expenses, often enabling you to access treatment faster than possible with the public health system and with greater choice of specialist.
When you take out AIA Private Health insurance, you are required to choose your excess. The excess is the amount you need to pay before you make a claim, and can be a way of managing cost. The higher your excess, the lower your premium will be.
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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.
AIA Private Health insurance benefits^
Surgery benefits
Inpatient treatment costs
Covers costs associated with surgery, examples include Surgeon, Anaesthetist, Radiologists and Hospital fees.
Access to pre and post surgery support services
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
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
Surgery includes prophylactic mastectomy and/or oophorectomy only, and where criteria is met.
Prostate brachytherapy
$500,000 per policy year
Cancer diagnostics
No specific benefit but may be covered by other benefits of the policy
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
Hospitalisation
Covers costs for a treatment of a condition which doesn’t require surgery, examples include hospital accommodation costs, specialist fees, and other ancillary hospital charges.
$500,000 per policy year
Major diagnostic imaging and tests
Cover costs of diagnostic tests and imaging, some examples include Angiogram, Colonoscopy, CT scans, Laparoscopy, Hysteroscopy and MRI scans.
$200,000 per policy year
Public hospital cash grant
$300 per day,
Up to $3,000 per policy year
Loyalty benefits
Cover that comes into effect after a certain period of time has passed
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
Overseas treatment benefits
Voluntary treatment in Australia
Covers costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support, or care at a health facility approved by AIA.
Treatment overseas where the waiting period in New Zealand is greater than six months
Covers costs for a medically necessary treatment or procedure unable to take place in New Zealand within six months.
100% of the reasonable charges payable in New Zealand
Voluntary treatment overseas (other than Australia)
Covers costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support, or care recommended by a New Zealand specialist.
85% of the reasonable charges payable in New Zealand
Treatment overseas not available in New Zealand
Covers costs for a medically necessary treatment or procedure recommended by an approved specialist.
$30,000 per policy year
Other support benefits
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)
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
As an optional benefit, you can upgrade your Private Health insurance to include additional cover for specialist consultations and tests, reproductive health and a health screening allowance.
Additional diagnostic imaging and tests
Covers costs for tests not related to treatment or surgery referred by a medical practitioner or specialist.
$100,000 per policy year
Additional specialist consultations
Covers costs for consultations (including second opinions) with a specialist referred by a registered medical practitioner.
$10,000 per policy year
Pregnancy, maternity and infertility allowance
Covers costs for obstetric care, including scans, infertility diagnosis and treatment at an approved facility.
$1,500 per policy year
(after two years)
Health screening allowance
Covers screening costs for approved procedures. Examples include bone, bowel, breast, cervical, heart, prostate, skin, aortic aneurysm screening, hearing, and eye tests.
$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.
Explore our other insurance products available to extend your cover
View frequently asked questions about AIA’s Health Insurance products
Key benefits of AIA Private Health:
In New Zealand medical and health insurance is essentially the same. Products will differ between insurance providers. They may have different benefits and limits in their policies. It is important to understand what those differences are.
Please contact your insurance adviser or request an adviser call to discuss your needs.
The questions you could ask when considering your health insurance options are:
Contact your insurance adviser or insurance company 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
If you have a pre-existing medical condition it is important that you advise your insurance company when applying for cover. Your insurance adviser will help you with this.
It does not automatically mean that you won’t be covered for that condition, however you must disclose all pre-existing medical conditions to enable the insurance provider to assess your application with all relevant information.
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.
When you apply for insurance with AIA New Zealand Limited, you have a legal duty of disclosure to AIA.