Skip to main content
  • Adviser
    • Adviser
    • Get Advice
    • Home Loans
    • Contact Us
    • MyAIA
  • Search
  • Home
  • AIA Insurance
    • Life Insurance
    • Health Insurance
    • Trauma Insurance
    • Total Permanent Disablement
    • Income Protection Insurance
    • AIA Starter Plans
    • Specified Accidental Injury Cover
    • Business Insurance
    • Corporate Solutions
    • Rural Insurance
  • AIA Vitality
    • AIA Vitality Simulator
    • AIA Vitality Premium Flex Explained
    • How to earn points
    • Benefits & Rewards
    • Physical activity points explained
    • Sprint to Silver
    • Content Hub
    • AIA Vitality Starter
  • Make a Claim
    • Health insurance claims
    • Life insurance claims
    • Income protection insurance claims
    • Trauma insurance claims
    • AIA CLAIMS 360 CARE
    • Corporate Solutions - Making a Claim
  • About AIA
    • Our Leadership Team
    • Careers
    • Media Centre
    • AIA Thrive
    • Sustainability
    • Charity Partners
    • Becoming an Adviser with AIA New Zealand
  • Help & Support
    • My AIA
    • Update your contact details
    • Contact AIA
    • Frequently asked questions
    • Product Updates and Policy Wordings
    • Consumers Price Index (CPI)
    • NEW TO NEW ZEALAND
    • Vulnerable Customers Support
    • Investment Products
    • Complaints
  • Get Advice
  • Home Loans
  • MyAIA
Menu
  • Adviser
  • Get Advice
  • Home Loans
  • Contact Us
  • MyAIA
AIA New Zealand AIA New Zealand
  • AIA Insurance

    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.

    • offers Our latest offers
    • discount Multi-Benefit Discount

    For Individuals

    For Business

    • Life Insurance

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

    • Health Insurance

      Choose from private health insurance or specialised cancer insurance.

    • Trauma Insurance

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

    • Total Permanent Disablement

      Lump sum payment if you become permanently disabled and are unable to work.

    • Income Protection Insurance

      Income protection insurance provides financial support if you can't work due to an accident or illness.

    • AIA Starter Plans

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

    • Specified Accidental Injury Cover

      Lump sum payment if you have an accident and suffer one of the covered injuries.

    • Business Insurance

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

    • Corporate Solutions

      Providing cost effective and comprehensive corporate group insurance for your employees.

    • 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.

    • AIA Vitality Simulator

      An interactive tool to help you calculate the benefits and rewards of AIA Vitality.

    • AIA Vitality Premium Flex Explained

      Learn how you can save on insurance with AIA Vitality.

    • How to earn points

      Start earning points for getting to know and improve your health today!

    • Benefits & Rewards

      Learn more about the amazing benefits, discounts and rewards you'll have access to with AIA Vitality.

    • Physical activity points explained

      Learn how you can earn up to 15,000 points and $260 a year in Active Rewards.

    • Sprint to Silver

      Find out how you can earn 25 Airpoints Dollars or $25 Woolworths vouchers.

    • Content Hub

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

    • AIA Vitality Starter

      Entry level membership automatically included with all AIA Starter Plans.

  • Make a Claim

    Make a Claim

    Get help with making a claim.

    • Health insurance claims

      Make a health insurance claim.

    • Life insurance claims

      Make a life insurance claim.

    • Income protection insurance claims

      Make an income protection or mortgage and income protection insurance claim.

    • Trauma insurance claims

      Make a Critical Illness, Critical Conditions, Progressive Care, Living Assurance or other trauma insurance claim.

    • AIA CLAIMS 360 CARE

      A personalised end to end claims experience when support matters the most.

    • Corporate Solutions - Making a Claim

      Get help with making a 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.

    AIA New Zealand

    • Our Leadership Team

      Get to know our Board of Directors and Executive Team

    • Careers

      Explore opportunities to work at AIA

    • Media Centre

      The latest news from AIA New Zealand

    • AIA Thrive

      AIA Thrive is a network of qualified, experienced advisers helping New Zealanders plan well, so they can live well.

    • Sustainability

      AIA NZ is committed helping build a healthier, cleaner and more sustainable Aotearoa NZ.

    • Charity Partners

      Committed to making a difference in New Zealand with our AIA Vitality Charity partners.

    • Becoming an Adviser with AIA New Zealand

      All you need to know about applying to distribute our products.

    • Code of Conduct​ & Procedures

      AIA is committed to continuously improving conduct, culture and customer outcomes.

  • Help & Support

    Help & Support

    We're here to help! Check out our quick links and digital tools. Still have a question? Get in touch via Live Chat.

    Contact AIA

    Quick Links

    Understanding your policy

    Other useful information

    • My AIA

      View, claim and update your insurance with MyAIA.

    • Update your contact details

      Use this form to update your phone number, email and postal address if you don’t have access to MyAIA.

    • Contact AIA

      Have a question? We’re here to help. Phone, send us a message, or Live Chat during business hours.

    • Frequently asked questions

      Updating policies, moving house, changing names, Covid-19 support... our FAQs section has all the answers and forms.

    • Product Updates and Policy Wordings

      Product updates, enhancements and policy wordings for current and closed AIA or Sovereign policies.

    • Consumers Price Index (CPI)

      Find out more about CPI indexation and how it may affect your insurance cover.

    • NEW TO NEW ZEALAND

      Helpful advice if you have recently arrived, or are considering moving to New Zealand.

    • Vulnerable Customers Support

      A list of some of the services available in New Zealand that offer support, information and help.

    • Investment Products

      The latest AIA investment performance information, as well as a list of closed and terminated investment products.

    • Complaints

      If you have a complaint, we’ll do our best to resolve the situation.

  • Search
  • Contact Us
    • Log in to MyAIA

      View, claim and update your insurance

    • Send us a message

      via our online contact form

    • Talk to an adviser

      Get free expert insurance advice

    • Chat with us

      Available Mon-Fri, 8:30am to 5:30pm

    • Call Us

      0800 500 108 - Mon-Fri, 8:30am to 5:30pm

AIA Insurance
Prev | Next
Contact Us
Talk to an Adviser
Back to Top
  • {{title}}

    {{label}}
  • Health insurance NZ

    Health Insurance

    AIA Health insurance takes care of your medical bills and provides you with faster access to medical care that suits your needs.

    What is health insurance and why do you need it? 

    AIA Health Insurance provides peace of mind that you and your family can get faster access to medical treatment when you need it most. Relying on the public system for conditions that are not urgent or accidental can result in long waiting lists and delayed treatment. Health insurance removes the worry around unexpected medical bills so you can focus on getting the right treatment and start your recovery sooner.

    AIA offers two health insurance options; private health cover for a wide range of medical conditions, covering costs like surgery, specialist consultations, diagnostic imaging and testing, and a specialised cancer insurance that focusses on diagnosis, treatment, and recovery of cancer. Compare private health insurance and cancer care to find the level of cover that's right for you.

    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 health 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.

    Imagine a month on us & be in to win a year's insurance.

    Enjoy a month on us

    Enjoy one month's premium free when you take out any eligible health insurance before 30 June. T&Cs apply.

    Learn more
    Garmin

    Get moving with Garmin 

    Plus, for a limited time sign up to AIA Vitality to get a $250 Garmin voucher and 25% off. T&Cs apply​

    Learn more

    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?

    • Get a quick quote
    • Talk to an adviser
      Talk to an Adviser
    • Apply online
    • View Brochure
    In 2023, we paid over $143 million in claims for health insurance. Annual health insurance claims increased by 6% due to escalating costs and increase need for healthcare.

    Did you know?

    In 2024, we paid over $167 million in claims for health insurance. Annual health insurance claims increased by 6% due to escalating costs and increase need for healthcare.

    Compare health insurance options^

    Swipe left or right

    AIA HEALTH

    AIA HEALTH

    PRIVATE HEALTH

    Private Health

    Covers a range of medical conditions

    CANCER CARE

    Cancer Care

    Covers cancer-related treatments only

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

    AIA Vitality

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

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

    AIA Vitality Premium Discount

    Premium Flex rewards you with a discount on your insurance. The more engaged you are, the higher the discount. Conditions apply.

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

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

    Surgery benefits

    Private Health

    Cancer Care

    Covers costs associated with surgery, examples include Surgeon, Anaesthetist, Radiologists and Hospital fees.

    Inpatient treatment costs


    Access to pre and post-surgery support services like consultations, physiotherapy and prescription drugs

    Unlimited

    Unlimited

    Minor surgical procedures performed by a GP

    Up to $3,000 per policy year across both benefits. (Daily limits may apply)

    Up to $3,000 per policy year across both benefits. (Daily limits may apply)

    Surgical costs for specified congenital conditions

    $2,000 per lifetime

    No

    Cancer cover benefits

    Private Health

    Cancer Care

    Treatments and procedures, including the cost of Pharmac and non-Pharmac subsidised Medsafe indicated cancer chemotherapy drugs


    Consultations, tests and diagnostic imaging 


    Breast reconstruction following mastectomy


    Breast symmetry following mastectomy


    Surgery includes prophylactic mastectomy and/or oophorectomy only, and where criteria has been met.

    Prophylactic surgery following cancer


    Prostate brachytherapy

    $500,000 per policy year

    $500,000 per policy year

    Cancer diagnostics

    No specific benefit but may be covered by other benefits of the policy

    $5,000 per policy year

    Post-cancer treatment care and support

    $1,000 per policy year

    $1,000 per policy year

    Public hospital cancer treatment cash benefit

    $5,000 per lifetime

    $5,000 per lifetime

    Palliative and respite care

    $1,500 per lifetime

    $1,500 per lifetime

    Medical hospitalisation and testing

    Private Health

    Cancer Care

    Covers costs for a treatment of a condition which doesn’t require surgery, examples include hospital accommodation costs, specialist fees, and other ancillary hospital charges.

    Hospitalisation

    $500,000 per policy year

    No specific benefit but may be covered by other benefits of the policy

    Cover costs of diagnostic tests and imaging, some examples include Angiogram, Colonoscopy, CT scans, Laparoscopy, Hysteroscopy and MRI scans.

    Major diagnostic imaging and tests

    $200,000 per policy year

    No specific benefit but may be covered by other benefits of the policy

    Public hospital cash grant

    $300 per day,
    Up to $3,000 per policy year

    $300 per day,
    Up to $3,000 per policy year

    Cover that comes into effect after a certain period of time has passed

    Loyalty benefits

    Private Health

    Cancer Care

    Bilateral breast reduction allowance


    Bariatric surgery allowance

    $7,500 per lifetime across both benefits (after three years)

    No

    Sterilisation

    $5,000 per lifetime (after one year)

    No

    Cancer health screening allowance

    No specific benefit but may be covered by other benefits of the policy

    $300 (after three years)
    or $450 for AIA Vitality members (after two years)

    Overseas treatment benefits

    Private Health

    Cancer Care

    Covers costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support, or care at a health facility approved by AIA.

    Voluntary treatment in Australia

    100% of the reasonable charges payable in New Zealand

    100% of the reasonable charges payable in New Zealand

    Covers costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support, or care recommended by a New Zealand specialist.

    Voluntary treatment overseas (other than Australia)

    85% of the reasonable charges payable in New Zealand

    85% of the reasonable charges payable in New Zealand

    Covers costs for a medically necessary treatment or procedure unable to take place in New Zealand within six months.

    Treatment overseas where the waiting period in New Zealand is greater than six months

    100% of the reasonable charges payable in New Zealand

    100% of the reasonable charges payable in New Zealand

    Covers costs for a medically necessary treatment or procedure recommended by an approved specialist.

    Treatment overseas not available in New Zealand

    $30,000 per policy year

    $30,000 per policy year

    Other support benefits

    Private Health

    Cancer Care

    Mental health support benefit

    $2,500 per policy year

    $2,500 per policy year

    Parent accommodation benefit


    Treatment away from home in New Zealand

    Up to $3,000 per policy year across both benefits.

    (Daily limits may apply)

    N/A


    Up to $3,000 per policy year.

    (Daily limits may apply)

    Obstetric care allowance

    $2,000 per policy year

    No

    Parents grieving benefit

    $2,000 per child

    No

    Waiver of premium on death

    Two years free cover (policy)

    Two years free cover (policy)

    You can upgrade your AIA Private Health insurance to include the additional cover below.

    Optional upgrade – Private Health Plus

    Private Health Plus

    N/A

    Covers costs for tests not related to treatment or surgery referred by a medical practitioner or specialist.

    Additional diagnostic imaging and tests 

    $100,000 per policy year

    Covers costs for consultations (including second opinions) with a specialist referred by a registered medical practitioner.

    Additional specialist consultations

    $10,000 per policy year

    Covers costs for obstetric care, including scans, infertility diagnosis and treatment at an approved facility.

    Pregnancy, maternity and infertility allowance

    $1,500 per policy year
    (after two years)

    Covers screening costs for approved procedures. Examples include bone, bowel, breast, cervical, heart, prostate, skin, aortic aneurysm screening, hearing, and eye tests.

    Health screening allowance

    $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.

    The benefits of Health Insurance

    The image below shows some common treatments our customers have needed and their average costs.

    Our health insurance products cover you for an extensive range of situations to help you manage unexpected medical bills. 

    PRIVATE HEALTH
    Private Health
    CANCER CARE
    Cancer Care
    Grommets $4,000 - $7,000
    Strabismus $6,000 - $7,500
    (Correction of eye muscle movement)
    Adenotonsillectomy $5,500 - $9,000
    (Removal of tonsils and adenoids)

    Sinus surgery $9,000 - $33,500

    Heart valve replacement $80,000 - $100,000

    Mastectomy (Unilateral) $25,000 - $50,000

    Mastectomy with breast reconstruction $50,000 - $100,000

    Hernia Repair $8,500 - $20,000

    Removal of skin lesion $500 - $15,000

    Spinal surgery $30,000 - $250,000

    Hip replacement $25,000 - $40,000

    Bowel resection $50,000 - $80,000

    Robotic prostatectomy $32,000 - $35,000

    Endometriosis surgery $20,000 - $50,000

    Additional diagnosis and treatment costs you and your family could experience:

    Diagnostics (per test)


    Ultrasound $350 - $850

    CT Scan $700 - $2,000

    MRI Scan $1,700 - $2,800

    P.E.T Scan $3,000 - $3,500

    Cancer treatments (per policy year)


    Chemotherapy:
    $15,000 - $400,000

    • Pharmac funded drugs $1,000 - $7,000 per month
    • Non Pharmac funded drugs $8,000 - $60,000 per month

    Radiotherapy: 
    $30,000 - $70,000

    Lung cancer: 
    $50,000 - $300,000

    Metastatic melanoma: 
    $100,000 - $380,000

    Source: AIA Health Claims Data, 30 April 2025


    Do you want additional peace of mind?

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

    trauma insurance nz

    Trauma Insurance

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

     

    Find out more

    IP insurance nz

    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

    life insurance nz

    Life Insurance

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

     

    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.

    AIA Vitality logo
    92% Claims paid
    in 2024

    $829.6M
    Paid

    Between 1 January and
    31 December 2024.

    Financial Strength
    Rating
    AA

    (VERY STRONG)
    RATING

    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.

    Find out More
    Contact Us

    Live Chat

    Mon-Fri 8:30am - 5:30pm

    0800 500 108

    Mon-Fri 8:30am - 5:30pm

    Postal address

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

    View all contact options
    CONTACT US

    Live Chat

    Mon-Fri 8:30am - 5:30pm

    0800 500 108

    Mon - Fri 8:30am - 5:30pm
    AIA House, 74 Taharoto Road, Takapuna, Auckland 0622, New Zealand
    View all contact options
    Company

    About AIA New Zealand

    Careers

    News and Press

    Our Policies & Code of Conduct​

    Our Financial Strength

    Environmental Social Governance

    Accessibility Tick Gender Tick
    Pride Pledge Logo Toitū carbonreduce certified
    Vist AIA.com to learn more about AIA Group.
    Quick Links

    AIA Vitality

    MyAIA login

    AIA Thrive

    Investment Products

    Past Insurance Products

    Make a Claim

    FAQs

    Our Products

    Life Insurance

    Health Insurance

    Income Protection Insurance

    Business Continuity Cover

    AIA Starter Plans

    GO Home Loans

    Get Advice

    Company
    About AIA New Zealand
    Careers
    News and Press
    Our Policies & Code of Conduct​
    Our Financial Strength
    Environmental Social Governance
    Accessibility Tick Gender Tick
    Pride Pledge Logo Toitū carbonreduce certified
    Visit AIA.com to learn more about AIA Group.
    Quick links

    AIA Vitality

    MyAIA login

    AIA Thrive

    Investment Products

    Past Insurance Products

    Make a Claim

    FAQs

    Our products

    Life Insurance

    Health Insurance

    Income Protection Insurance

    Business Continuity Cover

    AIA Starter Plans

    GO Home Loans

    Get Advice


    Copyright © 2025, AIA New Zealand Limited (Company Registration No: 352806), and its affiliates and subsidiaries. All rights reserved.
    Terms of Use | Privacy Statement | Cookie Policy | Duty of Disclosure
    Thank you

    Thanks for getting in touch.

    We will be in contact as soon as we can.

    Did you know, with an eligible policy you can view, claim and update your insurance with MyAIA? Find out more