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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
    • discount Multi-Benefit Discount

    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.

    • AIA Starter Plans

      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.

    • Specialist and Testing Support

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

    • Rural Insurance

      Financial support if a key person of your farm becomes seriously ill, injured or passes away.

    • Business Insurance

      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.

  • AIA Vitality

    AIA Vitality encourages and supports you to live a healthier life, while giving you access to great rewards along the way.

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      An interactive tool to help you calculate the benefits and rewards of 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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      Learn more about the amazing benefits, discounts and rewards you'll have access to with AIA Vitality.

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      Find out how you can earn 25 Airpoints Dollars or $25 Woolworths vouchers.

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      Your go to for science-backed health and wellbeing inspiration and advice.

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      Entry level membership automatically included with all AIA Starter Plans.

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  • About AIA

    About AIA

    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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  • Specialist and Testing Support NZ
    AIA LIVING

    Specialist and Testing Support

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

    What is Specialist and Testing Support and why do you need it?

    Specialist and Testing Support is designed for customers looking for basic, entry-level cover to help with the cost of specialist consultations or diagnostic tests and procedures.

    Getting an appointment with a medical specialist to diagnose a health issue could mean waiting on the public health system or having to pay for a private consultation with expensive medical tests or procedures. With Specialist and Testing Support you’ll have access to these services when you need them without the added expense of comprehensive insurance. It also gives you peace of mind to get an earlier diagnosis, which may get you onto the public waitlist sooner if treatment is required. 

    When you take out Specialist and Testing Support, you choose an excess of either $0 or $250. The excess is the amount you pay towards the cost of any specialist consultations or diagnostic tests and procedures that you claim in a policy year, and by choosing the $250 excess you can reduce your premium by 15%.

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    What are the key benefits of AIA Living Specialist and Testing Support?
    • Up to $10,000 cover per year for specialist consultations, including cardiologists, ear, nose and throat specialists, gastroenterologist, gynaecologists and more when referred by a registered medical practitioner.
    • Up to $100,000 cover per year for diagnostic tests and procedures, including colonoscopies, EEGs, EMGs, ECGs, mammograms, MRI scans, PET / CT scans, cystoscopies and more, when referred by a registered medical practitioner.
    • Includes a health screening allowance of up to $500 (increased to $750 for AIA Vitality members), payable every three years towards approved screening costs, of tests including bowel screening, breast screening, prostate screening, skin checks, heart screening and more.
    • Skip the long wait times in the public system and get the answers you need sooner, so you can then access treatment earlier. 
    • $1,500 towards costs for obstetric care (including scans), infertility diagnosis and treatment at an approved facility; available after two years of cover.

    What products can you add Specialist and Testing Support to?

    You can add Specialist and Testing Support to eligible Life, Trauma, Income Protection or Total Permanent Disablement insurance including from our AIA Living range. Qualifying cover levels apply. Check with your adviser to confirm eligibility if you hold an existing policy.

    Specialist and Testing Support cannot be added to Starter Plans or Health insurance.


    Want to get rewarded and save up to 25% on your insurance?

    We want to help make your insurance more affordable. Save up to 15% when you bundle eligible life insurance and other optional insurance benefits with our Multi-Benefit Discount. If you hold two or more eligible insurance benefits with AIA, you may be able to access discounts on your AIA Living premium including your Specialist and Testing Support benefit. Specialist and Testing Support itself will not count as an eligible benefit towards qualifying for the Multi-Benefit Discount.

    Your savings don’t end there. When you become an AIA Vitality member you get a 10% premium discount on eligible insurance products in your first year. Then you’re in control of the premium discount you receive, through ongoing engagement with the AIA Vitality programme. Your premium discount will increase, decrease, or stay the same annually based on the AIA Vitality Status you have achieved at policy anniversary. Rules apply.


    Ready to get started?

    • Talk to an adviser
      Talk to an Adviser
    • Apply Online
    • View Brochure

    What's included in AIA Living Specialist and Testing Support^

    Claimable categories

    Maximum cover

    Specialist Consultations

    Cover for specialist consultations when referred by a registered medical practitioner. 

    $10,000 per policy year

    Diagnostic imaging, tests and procedures

    Covers the following diagnostic procedures performed at an approved facility when referred by a registered medical practitioner:

    • Allergy testing
    • Audiology tests
    • CT scans
    • Capsule endoscopy
    • Colonoscopy
    • Colposcopy
    • Cystoscopy
    • Electroencephalography (EEG)
    • Electromyography (EMG)
    • Exercise/Stress ECG
    • Gastroscopy
    • Holter monitoring/24 Hour Ambulatory monitoring
    • Laboratory tests
    • Mammography
    • MRI scans
    • Myelogram
    • Myocardial perfusion imaging
    • PET/CT scans
    • Scintigraphy
    • Sleep studies
    • Ultrasound
    • Urodynamic assessments
    • X-rays

    $100,000 per policy year

    Pregnancy, Maternity and Infertility Allowance

    Covers the following services carried out by a registered medical practitioner or a specialist at an approved facility:

    • Infertility diagnosis
    • Obstetric care (including scans)
    • Treatment

    After two years, $1,500 per policy year.
    Obstetric (pregnancy or maternity) claims are limited to $1,500 per pregnancy.

    Health screening allowance

    Provides cover for the below imaging, tests and procedures at an approved facility:

    • Aortic aneuerysm screening
    • Bone screening (osteoporosis)
    • Bowel screening
    • Breast screening
    • Cervical screening
    • Eye tests and / or visual field tests
    • Hearing tests
    • Heart screening
    • Prostate screening
    • Skin checks

    Over each three-year period;
    $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.

    More about AIA Living Specialist and Testing Support

    Examples of how Specialist and Testing Support can help

    Georgie's story

    Georgie's story

    At 24-years-old, Georgie wanted to feel more in control of her future. With her adviser, she purchased a $150,000 life insurance policy and chose to add Specialist and Testing Support, with a $250 excess to help keep premiums affordable.

    Ten months later, Georgie experienced abnormal bowel symptoms and was referred by her GP for a colonoscopy. Faced with the long public wait time, she used her Specialist and Testing Support benefit to get a private colonoscopy. A small bowel polyp was removed during the procedure and Georgie was advised she would require a follow up in five years. If treatment was required, she would have sought this through the public system.

    Ravi's story

    Ravi's story

    At 60 years old, Ravi wanted to reduce his expenses as he approached retirement. He held a Private Health policy but felt comprehensive cover was no longer necessary. After seeking advice from his adviser, Ravi replaced his health policy with a more affordable Specialist and Testing Support benefit maintaining cover for private specialist consultations and diagnostic tests.

    Months later, Ravi used his Specialist and Testing Support benefit to see a cardiologist privately and was diagnosed with coronary artery disease (CAD). He was advised to have an angioplasty and stenting and is now on the public waitlist for treatment.


    FAQs

    View frequently asked questions about AIA Living Specialist and Testing Support

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    What does Specialist and Testing Support not cover?

    Specialist and Testing Support is designed to give you access to the answers you need quickly. It’s a great way to get faster access to a diagnosis without the cost of comprehensive health cover or the wait of the public system. While it covers a wide range of specialist tests, diagnostic procedures and consultations, there are a few things it doesn’t cover. Please refer to the policy wording for limitations and exclusions.


    Does Specialist and Testing Support cover services outside of New Zealand?

    Specialist and Testing Support provides cover for specialist consultations, diagnostic testing and procedures within New Zealand only.


    Who can take out Specialist and Testing Support?

    The minimum entry age is 3 months, and the maximum entry age is 70 (with individual consideration over the age of 70).


    Eligible Medical Specialist Consultations
    Eligible Diagnostic Tests
    Specialist and Diagnostic Testing Benefit Exclusions

    Policy Wordings

    AIA LIVING Specialist and Testing Support

    AIA LIVING Specialist and Testing Support
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    AIA Living Umbrella - Personal
    AIA Living Specialist and Testing Support - Personal

    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 exclusions. Please also note that the optional benefits are subject to an increase in premium and their own 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

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    Private Bag 92499
    Victoria St West
    Auckland 1142

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    CONTACT US

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