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    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.

    For Individuals

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    • Life Insurance

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

    • Health Insurance

      Explore our health insurance options; choose private health cover or specialised cancer insurance.

    • Trauma Insurance

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

    • Total Permanent Disablement Insurance

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

    • Income Protection Insurance

      Monthly payment to replace a portion of your income if you are unable to work due to sickness or injury.

    • AIA Starter Plans

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

    • Business Insurance

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

    • Rural Insurance

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

  • AIA Vitality

    AIA Vitality

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

    • What is AIA Vitality

      AIA Vitality’s approach can take you on a journey to better health

    • Apple Watch Benefit

      Earn an Apple Watch Series 9 by reaching your weekly physical activity targets

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      Learn more about the amazing partners and rewards you'll have access to with AIA Vitality

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

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      Check your AIA Vitality points status and get access to the tools you need to help improve your health

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      Entry level membership automatically included with all AIA Starter Plans.

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      Make a Life, Disability, or Critical Conditions (Trauma) Claim.

  • 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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  • AIA LIVING

    Total Permanent Disablement Insurance


    What is Total Permanent Disablement Insurance?

    It's easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it’s serious, we might not be able to work again. Total Permanent Disability Insurance can provide you with a lump sum payment and financial peace of mind that your lifestyle and family’s future will be protected if you become permanently disabled and are unable to work as a result of an accident or illness.

    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

    Ready to get started?

    • Get a quick quote
    • Talk to an adviser
      Talk to an Adviser
    • Apply online
    Supportive family

    Key benefits of AIA TPD Insurance

    • A lump sum payment that could be used to help cover costs such as medical treatments, employing a caregiver or ongoing household expenses.

      A lump sum payment that could be used to help cover costs such as medical treatments, employing a caregiver or ongoing household expenses.

    • Access up to $15,000 to help modify your home or vehicle or buy specialist medical equipment to help adjust to your new circumstances.

      Access up to $15,000 to help modify your home or vehicle or buy specialist medical equipment to help adjust to your new circumstances.

    • Under certain circumstances (such as loss of sight in one eye) you may be entitled to the lesser of 25% of the sum assured or $100,000 under the Partial Permanent Disablement Benefit.

      Under certain circumstances (such as loss of sight in one eye) you may be entitled to the lesser of 25% of the sum assured or $100,000 under the Partial Permanent Disablement Benefit.

    Compare our
    TPD Insurance options

    AIA LIVING

    Own Occupation

    This option pays a lump sum if it becomes unlikely that you’ll ever be able to work in the specific occupation you were involved in immediately prior to incapacitation.

    Any Occupation

    Any Occupation
    - COLLAPSE + EXPAND
    AIA LIVING

    Any Occupation

    This option pays a lump sum if you become so incapacitated that it’s unlikely you’ll ever be able to work, in any occupation for which you are reasonably suited by education, training or experience, and which would pay remuneration greater than 25% of your pre-disability earnings during your last 12 months of work.

    + Expand All- Minimise All

    Built-in Benefits

    Assistance Benefit

    Up to $15,000 may be reimbursed to cover costs of purchasing specialist equipment, completing home alterations or vehicle modifications which are necessary following a TPD benefit being paid.

    OWN OCCUPATION
    ANY OCCUPATION

    Partial Permanent Disablement Benefit

    This benefit is payable under certain circumstances (loss of sight in one eye, or loss of use of one hand or one foot); and will provide you with a lump sum payment of the lesser of 25% of your sum assured or $100,000.

    OWN OCCUPATION
    ANY OCCUPATION

    Waiver of Total Permanent Disablement Waiting Period

    AIA will, at its sole discretion, waive the three-month waiting period if an immediate medical assessment confirms total permanent disablement, and all other claim requirements have been met. 

    OWN OCCUPATION
    ANY OCCUPATION

    Total Permanent Disablement Future Insurability Benefit

    You can apply to increase your Total Permanent Disablement benefit sum assured at every third policy anniversary without providing any further medical information. Limits and conditions apply and every increase in cover will require an increase in premium.

    OWN OCCUPATION
    ANY OCCUPATION

    Financial and Legal Advice Benefit

    This assists you at claim time to access financial and legal advice from an AIA approved financial adviser or legal professional.  AIA will reimburse you for fees up to $2,500.

    OWN OCCUPATION
    ANY OCCUPATION

    Special Events Increase Facility

    Enables you to increase the sum assured under your cover, without further medical underwriting following a significant event in your life which results in increasing financial responsibilities. These significant events include getting married, having a child, your child starting secondary school, taking out or increasing a residential home loan or receiving a salary increase and other major events.

    OWN OCCUPATION
    ANY OCCUPATION

    Premium Conversion Facility

    Before reaching the age of 65 years, you have the option to convert all or part of your sum assured to a level premium structure without further medical underwriting.

    OWN OCCUPATION
    ANY OCCUPATION

    Counselling Benefit

    We will pay up to $2,500 (incl. GST) 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.

    OWN OCCUPATION
    ANY OCCUPATION

    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: 

    • Take parental leave
    • Take leave without pay for any reason
    • Get made redundant
    • Become unemployed
    • Experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year)
    • If self-employed, experience a 30% reduction in revenue (by comparing one month’s revenue against the same month for the previous year)

    No benefits will be payable for any claim event which occurs during this suspension period.

    OWN OCCUPATION
    ANY OCCUPATION

    AIA Living 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.

    OWN OCCUPATION
    ANY OCCUPATION

    Worldwide Cover

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

    OWN OCCUPATION
    ANY OCCUPATION

    Optional Add-Ons

    Talk to an Adviser to find out more

    Request a Callback

    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.


    Accidental Injury Cover

    Provides an up-front payment should you be injured accidentally. The payment you receive is based on the treatment you require and the cover you selected (up to $5,000 a month).


    Why choose AIA?

    Start thriving with
    AIA Vitality

    Add AIA Vitality to any eligible insurance product and receive a 10% premium discount plus an array of rewards. T&Cs apply.

    AIA Vitality logo
    93% Claims paid
    in 2022

    $646.4M
    Paid

    Between 1 January and
    31 December 2022.

    Multi-benefit Discount

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

    T&Cs apply.

    Earn Airpoints

    Earn Airpoints Dollars™ for premiums paid on any eligible policy. 

    T&Cs apply.

    Earn Airpoints Dollars here

    Ready to apply?

    Get a quote

    Use our Quick Quote to get an estimate of how much your insurance needs could cost in 2 quick steps online. 

    Talk to an insurance expert

    Request a call back for personalised advice and obligation-free chat with an experienced insurance Adviser in your area.

    Apply online via KiwiCover

    Applying online has never been easier. You can apply quickly and conveniently online via our trusted partner KiwiCover.

    More about AIA TOTAL PERMANENT DISABLEMENT INSURANCE Insurance

    FAQs

    View frequently asked questions about AIA’s Total and Permanent Disablement Insurance products

    + Expand All
    - Collapse All

    What are the benefits of disability insurance?

    At AIA, disability insurance is also known as Total Permanent Disability (TPD) insurance.

    Key benefits of AIA’s Total Permanent Disability insurance are:

    • A lump sum payment that can help with medical treatment costs, employing a caregiver or ongoing household expenses, or any other expenses.
    • Access up to $15,000 to help modify your home or vehicle, or buy specialist medical equipment to help adjust to your new circumstances.
    • Access up to $2,500 for financial planning and legal advice.

    To find out more, please contact your insurance adviser or request an adviser call to discuss the many other benefits included.


    How much disability insurance cover should I apply for?

    The amount of cover you may need depends on your personal circumstances. 

    Consider your family situation, your debt (mortgage, personal loans, etc) and how a disability may affect your ability to maintain a comfortable lifestyle. There may be medical expenses, modifications required to your home and costs to help you to adapt to your new world.  

    Please speak to your insurance adviser or request an adviser call to discuss your needs.


    Why should I consider disability insurance?

    Permanent disability might not only prevent you from working and earning, it could substantially increase the cost of maintaining a comfortable lifestyle for you and your family.

    With Total Permanent Disability (TPD) Insurance you will get a lump-sum payment which can assist with your mortgage, cover medical expenses, modifications to your home or other bills so you can focus on adapting to your new world.


    How do I get disability insurance as a self-employed individual?

    It is possible to get insurance if you are self-employed. Please contact your insurance adviser or request an adviser call to discuss your needs.


    Am I eligible for disability insurance with a pre-existing condition?

    Your pre-existing condition may impact your application. However, it does not automatically disqualify you from eligibility. It is important to disclose your pre-existing condition to enable your application to be correctly assessed. The impact on your application will depend on the condition and your circumstances.

    Please contact your insurance adviser or request an adviser call to discuss your needs


    What is the difference between a Policy Owner and Life Assured?

    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.


    • Product Brochure
      Product Brochure

      Download

    Policy Wordings

    AIA Living Total Permanent Disablement Personal

    AIA Living Total Permanent Disablement Personal
    - +
    Umbrella
    Total Permanent Disablement
    Waiver Of Premium

    AIA Living Total Permanent Disablement Business

    AIA Living Total Permanent Disablement Business
    - +
    Umbrella
    Total Permanent Disablement
    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. 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.

    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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    0800 500 108

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

    View all contact options
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    Thank you

    Thanks for getting in touch.

    You can expect a response from us within the next 5 - 7 business days depending on the type of query.

    If you need to hear from us sooner, here are some alternative ways you can contact us or find what you're looking for:

    • Contact an AIA Customer Service Consultant on Live Chat, or
    • Call us on 0800 500 108 (or +64 9 487 9963 if calling from overseas).
      The team is available from 8am to 6pm Monday to Friday.
    • For a quick way to confirm your cover, you may be eligible to use MyAIA to view a summary of your policy.