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  • AIA Insurance

    Our insurance products

    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.

    • offers Our latest offers
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    For Individuals

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    • Life Insurance

      Lump sum payment if you were to pass away or are diagnosed with a terminal illness.

    • Health Insurance

      Choose from private health insurance or specialised cancer insurance.

    • Trauma Insurance

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

    • Total Permanent Disablement

      Lump sum payment if you become permanently disabled and are unable to work.

    • Income Protection Insurance

      Income protection insurance provides financial support if you can't work due to an accident or illness.

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      Simple plans you can buy online. Get protected with basic life, rent or mortgage protection.

    • Specified Accidental Injury Cover

      Lump sum payment if you have an accident and suffer one of the covered injuries.

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      Gives you access to specialist consultations and diagnostic tests so that you can get on the path to treatment early.

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      Protection for business owners if a key person becomes seriously ill, is injured, or dies.

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      Providing cost effective and comprehensive corporate group insurance for your employees.

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    AIA Vitality

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      Learn how you can save on insurance with AIA Vitality.

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      Start earning points for getting to know and improve your health today!

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    AIA Group is one of the largest life insurers in the world, with a presence in 18 markets across Asia Pacific. AIA New Zealand Limited is part of the AIA Group and has been providing insurance to New Zealanders since 1981.

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  • Accidental death life insurance nz
    AIA LIVING

    Accidental Death Cover

    Life can change in an instant, keep your family protected with Accidental Death Cover

    Talk to an Adviser

    What is AIA Living Accidental Death Cover?

    Life can change in an instant. When the unexpected happens, the financial impact on your loved ones can add even more strain to an already devastating moment. AIA Accidental Death Cover provides a simple Life insurance option that pays a lump‑sum benefit if you pass away as the direct result of an accident and within 90 days of the accident. 

    This immediate support can help your family manage essential expenses and maintain financial stability when it matters most. Accidental Death Cover can also be paired with other types of personal insurance like Trauma or Income Protection, adding extra protection to strengthen your family's financial safety net.

    AIA Vitality

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

    • An initial 10% premium discount* on your first year's premium. After that, your premium discount will depend on your engagement (up to a maximum of 20%)​
    • Up to 300 Airpoints Dollars™ or $300 Woolworths Gift Cards per membership year​
    • Up to $260 in vouchers per membership year for meeting your weekly physical activity targets, or you can earn an Apple Watch Series 11 (GPS)* over 24 months. T&Cs apply​
    • Exclusive rewards and discounts from our partners.
    Learn more
    Enjoy rewards
    Apple Watch 11

    *T&C's apply.

    Why get insurance advice?​

    Financial advisers combine knowledge of AIA’s insurance options with an in-depth understanding of your financial situation so you can feel informed and confident about your decision; whether that means applying for life, trauma, disability, or health insurance.

    How you can save on Accidental Death Cover

    Save up to 15% when you bundle life insurance and other eligible insurance products with our Multi-Benefit Discount. You can also add AIA Vitality to eligible products an additional 10% discount on your first year's premium. Then you’re in control of the discount you can receive through ongoing engagement with the AIA Vitality programme. Be sure to explore our latest promotions. 

    Ready to get started?

    • Talk to an adviser
      Talk to an Adviser
    • View Brochure
    In 2023, we paid over $263 million in life insurance claims. Most of these claims were for those aged between 50-59.

    Did you know?

    In 2024, we paid over $298 million in life insurance claims. Most of these claims were for those aged between 50-59.

    Key Features of AIA Living Accidental Death Cover

    • Suspension of cover

      AIA provides the flexibility to suspend your cover in certain circumstances for up to 12 months. Please note, no benefits will be payable for any claim event which occurs during the suspension period.

    • Worldwide cover

      Whether you are at home, travelling or living overseas for any period, you remain insured.  

    • Counselling  

      Access up to $2,500 of financial support to cover the cost of a Psychiatrist or Psychologist consultation and counselling for you and/or your family where the treatment directly relates to a claim. 

    • Enhancement pass back

      At claim time, we’ll compare your purchased policy with the latest policy wording for your product and apply the most favourable terms.


     AIA Living Accidental Death benefits

    Eligible age in years (inclusive)

    16 to 60

    Cover amount

    Up to $500,000 

    Cover expiry

    To age 65 years

    Multi-Benefit Discount

    Start saving when you take out life insurance and at least one other eligible insurance product. T&Cs apply. 

    Save up to 15% on your premiums when you buy multiple eligible insurance policies. 

    AIA Vitality

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

    AIA Vitality Premium Discount

    Premium Flex rewards you with a discount on your insurance. The more engaged you are, the higher the discount. Conditions apply. 

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

    + Expand All- Minimise All

    Built-in Benefits

    Counselling

    Financial support up to $2,500 to cover the cost of a Psychiatrist or Psychologist consultation and counselling for you and/or your family where the treatment directly relates to a claim.

    Up to $2,500

    Suspension of cover

    AIA provides the flexibility to suspend your cover for up to 12 months. No benefits will be payable for any claim event which occurs during this suspension period.   

    Up to 12 months

    Worldwide cover

    Whether you’re at home, travelling or living overseas for any period, you remain insured.

    Remain covered wherever you are

    Enhancement pass back

    At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy wording and apply the most favourable wording for your claim. For more information visit aia.co.nz/passbacks. 

    Apply the most favourable wording for your claim.

    Optional add-ons

    Waiver of premium

    We will waive your premium payments, while your insurance remains in place when you are unable to work due to total disability. 

    Premium payment waived

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

    Get a quote in just 2 minutes to find out your life cover cost. If you have questions about comparing policies and selecting the best insurance cover, talk to an insurance adviser or apply online when you are ready.

    Do you want additional peace of mind?

    Explore our other insurance products available to extend your cover, plus save with our Multi Benefit Discount.

    trauma insurance nz

    Trauma Insurance

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

     

    Find out more

    IP insurance nz

    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

    cancer insurance nz

    Cancer Insurance

    Specialist health insurance that focuses on cancer diagnosis, treatment, and recovery.

     

    Find out more

    tpd insurance nz

    Total Permanent Disability Insurance

    Provides a lump sum payment if you become permanently disabled and are unable to work due to accident or injury.

     

    Find out more

    More about AIA Living Accidental Death Cover

    FAQs

    View frequently asked questions about AIA Living Accidental Death Cover.

    + Expand All
    - Collapse All

    Why is it important to get Accidental Death Cover?

    Accidental Death insurance is important because it provides a lumpsum payment to your family if you pass away due to a qualifying accident, giving them financial support during a sudden and difficult time. 


    What is the difference between Accidental Death Cover and Life Cover?

    Like other life insurance products, Accidental Death Insurance pays a lump sum to your family if you pass away. The difference is that this cover applies specifically to deaths caused by an accident, while Life Insurance covers death caused by illness as well as accident.This makes Accidental Death Cover a more affordable option.


    Policy Wordings

    AIA Living Accidental Death Cover

    AIA Living Accidental Death Cover
    - +
    Accidental death
    Waiver of premium

    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). For more details on Premium Flex we recommend you refer to the AIA Vitality Premium Adjustment Rules. Learn more about how you can earn an Apple Watch Series 11 (GPS)*. 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
    Contact Us

    Live Chat

    Mon-Fri 8:30am - 5:00pm

    0800 500 108

    Mon-Fri 8:30am - 5:00pm

    Postal address

    AIA New Zealand Limited
    Private Bag 92499
    Victoria St West
    Auckland 1142

    View all contact options
    CONTACT US

    Live Chat

    Mon-Fri 8:30am - 5:00pm

    0800 500 108

    Mon - Fri 8:30am - 5:00pm

    AIA New Zealand Limited, Private Bag 92499, Victoria St West, Auckland 1142

    View all contact options
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