Life Insurance
Lump sum payment if you were to pass away or are diagnosed with a terminal illness.
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%.
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.
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.
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:
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$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:
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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:
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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.
Examples of how Specialist and Testing Support can help
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
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.
View frequently asked questions about AIA Living Specialist and Testing Support
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.
Specialist and Testing Support provides cover for specialist consultations, diagnostic testing and procedures within New Zealand only.
The minimum entry age is 3 months, and the maximum entry age is 70 (with individual consideration over the age of 70).
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.
When you apply for insurance with AIA New Zealand Limited, you have a legal duty of disclosure to AIA.