What is the main difference between AIA Living Critical Conditions cover and AIA Living Progressive Care?

AIA’s Critical Conditions cover provides a lump sum payment to manage financial impact that is faced if you or one of your children suffer one of the listed conditions. Or choose our Progressive Care cover that allows you to make multiple claims based on the severity of your illness or injury.

What is covered by critical illness insurance?

AIA’s Critical Conditions cover provides a lump sum payment if you suffer one of over 50 defined serious medical conditions, such as cancer, certain heart conditions, major neurological disease, etc. It also provides several built-in benefits, such as a trauma benefit for your child, counselling, financial & legal advice benefit, and more. You can add more benefits for an additional premium to give you additional support. Talk to your insurance adviser or request an adviser call to find out more.

What is a critical illness protection plan?

AIA’s Critical Conditions cover and Progressive Care cover are both trauma insurance options. Each of those provide a different level of cover. Critical Conditions cover - is designed to pay a one-off lump sum payment if you or one of your children face one of the listed medical conditions. Progressive Care cover - allows you to make multiple claims, based on the severity of your illness or injury. Please speak with your insurance adviser or request an adviser call to discuss your needs.

Is trauma insurance and critical illness insurance the same?

Critical Conditions cover and Progressive Care cover are both trauma insurance options with AIA. Each of those provide a different level of cover. Our Trauma insurance options mean that you can choose our Critical Conditions cover , which provides a lump sum payment to manage financial impact that is faced if you or one of your children suffer one of the listed medical conditions, or choose our Progressive Care cover that allows you to make multiple claims based on the severity of your illness or injury.

Trauma Insurance

Q: How does a critical illness policy work?

AIA has different options that provides cover for trauma. Our Critical Conditions cover provides a lump sum payment if you suffer from one of over 50 defined medical conditions. Our Progressive Care cover allows you to make multiple claims based on the severity of your illness or injury. Cover is provided for 70 defined medical conditions across five categories: Cancer Heart and arteries Brain and nerves Loss of function Other health events

Q: What is classed as a critical illness?

Our Critical Conditions cover provides a lump sum payment if you suffer one of over 50 defined medical conditions. A few of these are advanced diabetes, cancer, dementia, heart attack, heart surgery, permanent loss of hearing, stroke, meningitis, chronic lung disease, HIV, severe burns, permanent blindness, severe illness or injury, etc. Our Progressive Care cover allows you to make multiple claims, based on the severity of your illness or injury. You’ll be covered for 70 defined medical conditions across five categories: Cancer, Heart & Arteries, Brain & Nerves, Loss of Function and other health events.

Protect yourself and your loved ones and get back on your feet after a serious illness or injury.

What is trauma insurance and why do you need it?

Unfortunately, experiencing a trauma such as serious illness or injury at least once in your life is more common than you might think. New Zealanders are increasingly surviving illnesses that previously have been terminal. Trauma insurance is designed to pay you a lump sum to manage the financial impact if you or one of your children were to face serious illness or injury.

Financial hardship can be experienced as a result of a serious illness or injury to ourselves or a family member. AIA trauma insurance can provide financial support to cover whatever you need, like taking care of medical treatment and rehabilitation costs, or simply allowing you and your family to focus on recovery instead of worrying about work.

AIA offers two types of trauma insurance: Critical Conditions that provides a lump sum payment for a range of defined medical conditions, and Progressive Care which allows you to make multiple claims based on the type and severity of your illness or injury.

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 trauma insurance for $11.50 per month to receive:

an initial 10% premium discount* on your first year's premium
earn up to $560 in vouchers or Airpoints Dollars™ per membership year
exclusive rewards and discounts from our partners.

*T&C's apply.

Why get insurance advice?

Our advisers combine knowledge of our insurance options with an in-depth understanding of your financial situation, so you know you’re making the right choice – whether that means life, trauma, disability, or health insurance.

Ready to get started?

Did you know?

In 2023, we paid over $117 million in trauma insurance claims, with cancer making up 61% of all claims.

Compare personal trauma insurance options^{^}

AIA LIVING

Critical Conditions

Receive a lump sum or partial payment

Progressive Care

Make multiple claims based on severity

Eligible age in years (inclusive)

Three months - 70

Cover amount

Age three months -15: $250,000
Age 16+: $2,000,000

Age three months -15: $250,000
Age 16+: $1,500,000

Cover includes

Covers a wide range of defined medical conditions for a full or partial pament.

Covers a wide range of medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of function, and Other Health Events.

AIA Vitality

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

AIA Vitality Premium Discount

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

Multi-Benefit Discount

Built in benefits

Critical Conditions

Progressive Care

Return home

Up to $10,000

Medical advancements provision

Severe illness or injury

Financial and legal advice

Up to $2,500

Standalone conversion facility

Premium conversion facility

Future insurability

Special events increase facility

Counselling

Up to $2,500

Children’s trauma

The lower of $50,000 or 50% of the sum assured

Newborn children

The lower of $50,000 or 50% of the sum assured

Parents grieving

Age 0-10: $2,000
Age 10-21: $15,000

Children’s trauma conversion facility

Suspension of cover

Enhancement pass back

Worldwide cover

Optional add-ons

Critical Conditions

Progressive Care

Early cancer upgrade

One claim of a maximum of $75,000 or 25% of the sum assured across all AIA policies

Critical conditions buy-back

Life cover buy-back

Total permanent disablement condition

Children and maternity

The lower of $75,000 or 50% of the sum assured

Waiver of premium

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

Do you want additional peace of mind?

Additional options are available for you to extend your cover for additional needs.

Did you know you could save up to 15% when you buy multiple eligible insurance products? (excl Starter Plans) Find out more

Life Insurance

Provides a lump sum payment if you were to pass away.

Find out more

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

Health Insurance

Comprehensive health insurance to help cover the costs for a wide range of medical conditions.

Find out more

Specified Accidental Injury Cover

Short-term financial support, helping you continue daily life while recovering from an accident.

Find out more

Why choose AIA?

Start thriving with

AIA Vitality

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

92% Claims paid

in 2023

$734.8M

Paid

Between 1 January and
31 December 2023.

Multi-benefit Discount

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

T&Cs apply.

Financial Strength

Rating

AA

(VERY STRONG)
RATING

More about AIA Trauma Insurance

FAQs

View frequently asked questions about AIA’s Trauma Insurance products

+ Expand All

What do I need to know before buying trauma insurance?

Considerations when you’re looking to purchase trauma insurance cover:

An insurance adviser can help guide you through your questions and help you decide what level and type of cover you need, and how your cover can be adapted to suit your needs
Know how much cover you need by considering your family situation; your debt (mortgage, personal loans, etc.) and other factors, such as being the owner of a business and what cover is needed to protect it.
Know what the policy covers and what it does not cover. Know what the definitions in the policy means. These can differ depending on the insurance company that provides your cover.

What is the main difference between Critical Conditions and Progressive Care?

AIA Living Critical Conditions cover provides a lump sum payment if you suffer one of the defined medical conditions. A few of these are advanced diabetes, cancer, dementia, heart attack, heart surgery, permanent loss of hearing, stroke, meningitis, chronic lung disease, HIV, severe burns, permanent blindness, severe illness or injury, etc.

AIA Living Progressive Care cover allows you to make multiple claims, based on the severity of your illness or injury. You’ll be covered for medical conditions across five categories: Cancer, Heart & Arteries, Brain & Nerves, Loss of Function and other health events.

What is a good trauma insurance amount to be covered for?

The amount of trauma insurance you need would depend on individual circumstances. It is recommended that you discuss this with an insurance adviser who will then be able to help you work out what amount you should be covered for.

Will I still be covered if I travel or move overseas?

Trauma Cover provides worldwide cover. Whether you’re at home, travelling or living overseas for any period, you remain insured.

Policy Wordings

AIA Living Trauma Personal

- +

Umbrella

Critical Conditions

Progressive Care

Waiver Of Premium

AIA Living Trauma Business

- +

Umbrella

Critical Conditions

Progressive Care

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). 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.

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Did you know?

Compare personal trauma insurance options^

Critical Conditions

Progressive Care

Do you want additional peace of mind?

Life Insurance

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Why choose AIA?

Start thriving with

AIA Vitality

92% Claims paid

in 2023

$734.8M

Paid

Multi-benefit Discount

Financial Strength

Rating

AA

More about AIA Trauma Insurance

FAQs

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Code of Conduct & Procedures

Compare personal trauma insurance options^{^}