What are the key benefits of AIA Living Specified Accidental Injury Cover?

Provides additional financial support on top of ACC should you experience a covered injury so you can focus on recovery. Choose how you use your lump sum payment. Whether that’s to work fewer hours, take time off work altogether, or get some help to keep managing your daily tasks. No need for proof of income. If a carer or parent at home is injured it can affect their ability to fulfil daily tasks, which in turn can affect the whole household financially.

What products can you add Specified Accidental Injury Cover to?

You can add Specified Accidental Injury Cover to eligible Life, Trauma, Income Protection or Total Permanent Disablement insurance including our AIA Living range, subject to minimum cover levels. It cannot be added to Starter Plans or AIA Health products.

What injuries are covered for AIA Living Specified Accidental Injury Cover?

Specified Accidental Injury Cover only applies to injuries specifically covered under the 'specified injury categories' outlined in the policy wordings. All other injuries are not covered.

How is your payment calculated?

The payment is a lump sum calculated using your selected monthly benefit amount multiplied by the amount payable for the injury. For example, if you choose $5,000 and suffer a Category B injury like a fractured kneecap, you would receive $10,000 ($5,000 x 2 months).

Is there a minimum amount of cover to qualify to add on Specified Accidental Injury Cover?

Yes. You need $150,000 cover across eligible life, trauma, and total permanent disablement products, or $1,500 per month across eligible Income Protection products. If these minimums are not met, you are not eligible for the cover.

Can I add AIA Vitality to Specified Accidental Injury Cover?

Yes. AIA Vitality can be added to your Specified Accidental Injury Cover. You receive an initial 10% premium discount, and future discounts depend on your engagement with the programme. Check with your adviser for eligibility.

Progressive Care

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What is Progressive Care?

Progressive Care is affordable trauma cover that can provide multiple payments for defined medical conditions based on how serious your condition is; more serious illnesses receive greater financial support. This ensures you’re covered across five key health categories, and even if you’ve received a full payment in one area, you may still be eligible to claim in others.

Progressive Care can provide financial support for less severe claims and can be used when you face something big, providing financial support for a range of situations.

With AIA, you can tailor your trauma cover to suit your budget and needs. Choose from a range of options to build a layered protection plan. Whether you’re looking for comprehensive cover, or a cost-effective solution for serious illnesses, our options work together to provide a higher level of protection, so you're supported for a wide range of conditions.

Why get insurance advice?

Our insurance advisers can help you choose the right policy for your needs and budget. They will work with you to understand your financial situation and identify the risks that are most important to protect against. With their help, you can be sure that you are getting the coverage you need to protect yourself and your loved ones.

Ready to get started?

Built-in benefits of AIA Living Progressive Care^

Return home

Provides up to $10,000 to cover the cost for you and a support person to return to New Zealand if you're diagnosed with a defined medical condition for the first time while overseas.

Medical advancements provision

At claim time we’ll consider the latest recognised diagnosis techniques and investigations used to assess your covered medical conditions.

Financial and legal advice

Provides up to $2,500 to help you access advice from an approved financial adviser or legal professional.

Standalone conversion facility

You may convert your standalone trauma insurance to accelerated with an equal amount of Life Cover without any further medical evidence.

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 any further medical underwriting.

Future insurability

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

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.

Children’s trauma

Provides cover for your children from three months old up to their 21st birthday. The benefit is the lower of $50,000 or 50% of your sum assured.

Parents grieving

Offers financial support if your child passes away - $2,000 for children under 10, and $15,000 for those aged 10–21.

Children’s trauma conversion facility

When your child turns 21, the Built-in Children’s Trauma Benefit and/or Optional Children’s and Maternity Benefit (where applicable), can be converted to an adult trauma insurance policy. This can be done on a standalone basis or accelerated with the same amount of Life Cover, without any further medical evidence required, provided there is no increase in cover.

Worldwide cover

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

Suspension of cover

AIA provides the flexibility to suspend your cover for up to 12 months, if you meet the conditions outlined in the policy. No benefits will be payable for any claim event which occurs during this suspension period.

Enhancement pass back

At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy

Special events increase facility

You can increase the sum assured without further medical underwriting following one of the significant events mentioned in the policy.

Newborn children

Financial support if your child is born with one of eight specific congenital conditions and survives 30 days. The lower of $50,000 or 50% of the sum assured.

Optional benefits you can add on^

Specialist and Testing Support

Covers the cost of private specialist consultations (up to $10,000 annually) and medical diagnostic tests and procedures (up to $100,000 annually).

Specified Accidental Injury Cover

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

Waiver of Premium

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

Total permanent disablement condition

Include an additional claimable condition that provides cover if you were to become permanently disabled and are unable to work as a result of accident or illness. This applies to own occupation cover only.

Children and maternity

Provides limited cover for three defined serious pregnancy complications, eight children’s congenital conditions and other eligible conditions. One claim per child to maximum of $75,000 or 50% of the sum assured across all AIA policies for a life assured.

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

What conditions are covered?

The table below shows the severity levels for each of the five categories and the conditions covered under each.

CANCER

SEVERITY LEVELS
100% / 75% / 50% / 25% / 10%

Bone marrow or stem cell transplant
CIN-3, VIN-3, PIN-3
Malignant brain tumour
Myeloma

90 day stand down period*
Aplastic anaemia
Benign brain or spinal cord tumour
Carcinoma in situ
Hodgkin's Lymphoma
Leukaemia
Malignant melanoma
Malignant tumour
Myelodysplastic syndrome
Non-Hodgkin's Lymphoma
Prostate cancer
Transplant waiting list for bone marrow transplant
Urinary bladder cancer

HEART AND ARTERIES

SEVERITY LEVELS

100% / 75% / 50% / 25%

Cardiomyopathy

Out of hospital cardiac arrest

Severe congestive cardiac failure

Severe peripheral vascular disease

90 day stand down period*
Angioplasty
Aortic surgery
Coronary artery bypass graft
Defibrillator insertion
Heart attack
Heart valve surgery
Minor heart valve surgery
Pacemaker insertion

BRAIN AND NERVES

SEVERITY LEVELS
100% / 75% / 50% / 25%

Dementia and Alzheimer's disease
Encephalitis
Major head trauma
Meningitis
Motor neurone disease
Muscular dystrophy
Parkinson's disease
Peripheral neuropathy

90 day stand down period*
Cerebral aneurysm
Multiple sclerosis
Stroke

LOSS OF FUNCTION

SEVERITY LEVELS

100% / 75% / 50% / 25% / 10%

Coma
Intensive care benefit
Loss of hearing
Loss of independent existence
Loss of limbs
Loss of sight in one eye and one limb
Loss of speech
Optional Total Permanent Disablement condition
Paralysis - Diplegia and Hemiplegia
Paraplegia/Quadriplegia/Tetraplegia
Severe burns/Major burns

90 day stand down period*
Loss of sight

OTHER HEALTH EVENTS

SEVERITY LEVELS

100% / 75% / 50% / 25% / 10%

Acute renal dialysis
Advanced AIDS
Advanced Type 1 diabetes
Major organ transplant (or transplant waiting list)
Pneumonectomy
Primary pulmonary hypertension
Systemic lupus erythematosus with lupus nephritis
Systemic sclerosis

90 day stand down period*
Advanced Type 2 diabetes
Chronic kidney failure
Chronic liver failure
Chronic lung failure
Chronic obstructive pulmonary disease
Removal of large bowel
Severe Crohn's disease
Severe illness or injury
Severe osteoporosis
Severe rheumatoid arthritis
Severe ulcerative colitis
Type 1 diabetes

*Certain conditions have a stand down period. There is no cover under the policy if you suffer any of these conditions (or signs or symptoms which lead to these conditions) within the first 90 days of the receipt of application by AIA. For details of each condition please refer to the policy wording or speak to your Adviser.

Why choose AIA?

With AIA Vitality

The ride is rewarding

Get the most out of the ride when you 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 2024

$829.6M

Paid

Between 1 January and
31 December 2024.

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 PROGRESSIVE CARE

FAQs

View frequently asked questions about AIA Living Progressive Care

+ Expand All

Can I add AIA Vitality to Progressive Care cover?

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 for $11.50 per month when you purchase trauma insurance 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.

How does Progressive Care differ from traditional Trauma insurance?

Progressive Care pays a non-taxable lump sum benefit if you develop any one of a range of defined medical conditions. The benefit amount ranges from 10% to 100% of the specified cover amount under the policy, based on how severe the condition is, enabling multiple benefit payments. You’ll be covered for medical conditions across five categories: Cancer, Heart & Arteries, Brain & Nerves, Loss of Function and other health events.

Can I claim more than once with my Progressive Care cover?

Yes, if a condition worsens or if you’re diagnosed with a new condition in a different category, you can claim again on your Progressive Care insurance.

What is a good amount of trauma insurance 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 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?

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

Is Progressive Care eligible for Multi-Benefit Discount?

Yes, Progressive Care is an eligible benefit for Multi-Benefit Discount, subject to the standard applicable multi benefit discount terms and conditions.

Policy Wordings

AIA Living Trauma Personal

- +

Umbrella

Progressive Care

Waiver Of Premium

AIA Living Trauma Business

- +

Umbrella

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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Counselling  