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.

Severe Trauma Insurance - AIA New Zealand

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What is Severe Trauma?

Severe Trauma is our most affordable trauma cover, designed to support you through major life-changing medical events. It focuses on fewer but more serious conditions that can have a big and lasting effect on your daily life. Cover can help ensure you have financial support when facing life's toughest moments.

Severe Trauma is designed to pay a lump sum, to help you manage the financial impact in the event of serious illness or injury, helping cover medical treatment, rehabilitation, or simply allowing time to focus on recovery.

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 Severe Trauma^

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 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.

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.

Severe Trauma buy-back

Reinstate your level of cover under your original AIA Living Severe Trauma policy, without having to provide further medical information.

Life cover buy-back

Ability to reinstate your level of cover under your original AIA Living Life Cover policy following an accelerated Severe Trauma claim, without having to provide further medical information.

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.

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

What conditions are covered?

The below table provides a high-level overview of conditions covered.

Medical condition

Advanced AIDS	Diplegia	Optional total permanent disablement condition
Advanced diabetes*	Encephalitis	Paraplegia
Alzheimer’s disease	Heart attack*	Peripheral neuropathy
Aplastic anaemia	Hemiplegia	Permanent blindness*
Cancer*	Idiopathic Parkinson’s disease	Permanent loss of hearing
Cardiomyopathy	Intensive care benefit	Permanent loss of speech
Chronic liver failure*	Loss of independent existence	Permanent loss of use of limbs (including sight)
Chronic lung disease*	Major head trauma	Primary pulmonary hypertension
Chronic renal failure	Major transplant surgery	Quadriplegia/Tetraplegia
Cognitive impairment	Meningitis	Severe burns
Coma	Motor neurone disease	Stroke*
Creutzfeldt-Jakob disease	Multiple sclerosis*	Systemic sclerosis
Dementia	Muscular dystrophy	Terminal illness

*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.

More about AIA SEVERE TRAUMA

FAQs

View frequently asked questions about AIA Living Severe Trauma

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Can I add AIA Vitality to Severe Trauma 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.

I already have Critical Conditions and/or Progressive Care insurance with AIA. Can I also buy Severe Trauma cover?

Yes, you can have a combination of cover held across all three trauma products. However, this may be limited by the total sum assured across all products you are able to have. Your adviser will be able to discuss this further with you.

Why doesn’t Severe Trauma cover the same conditions as Critical Conditions and Progressive Care?

Severe Trauma has been developed to provide an affordable trauma option. Therefore, this product covers conditions at a higher severity threshold and where there is a significant ongoing impact on your health and quality of life. By doing so we can provide Severe Trauma at a reasonable price and therefore give you greater choice and flexibility.

Is Severe Trauma eligible for Multi-Benefit Discount?

Yes, Severe Trauma will qualify for the Multi-Benefit Discount. This is subject to the usual terms and conditions. You’ll be eligible to save up to 15% when you bundle eligible life insurance and other optional insurance products.

AIA offers multiple trauma products. How do I know if Severe Trauma is the right one for me?

We have provided information of our trauma products on our website. For further information please contact your adviser and they will be able to discuss all our products with you and help you understand which is best suited to your needs and requirements.

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

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

Can I claim for the same condition under different Trauma products?

Yes. Severe Trauma, Critical Conditions and Progressive Care are all separate products and can be claimed under separately. However, you are required to meet the claim requirements specific to each trauma product to claim under it.

It is important to note that while a condition may be covered under multiple Trauma products, the medical definition, severity and claim requirements condition could vary across each product.

Policy Wordings

AIA LIVING Trauma Personal

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Severe Trauma

Waiver Of Premium

AIA LIVING Trauma Business

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Umbrella

Severe Trauma

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 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.

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