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  • 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.

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  • 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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  • TPD insurance NZ

    Total Permanent Disability Insurance

    Minimise the disruption that permanent disability can have on you and your way of life.

    What is total permanent disability insurance?

    Total permanent disability insurance can also be known as total permanent disablement insurance or TPD insurance.

    AIA Total Permanent Disablement insurance provides financial support in the event you become permanently disabled and are unable to work due to serious illness or injury. This lump sum payment can help cover medical expenses, mortgage, or rent payments, home modifications, employing a caregiver and other bills that may arise as a result of disability. 

    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 total permanent disability 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 total permanent disability 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

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    Why do I need permanent disability insurance?

    Could your family get by if your income was to completely stop, as a result of disability? Being permanently disabled can have a large impact on your life and can prevent you from working or earning an income. It can also add additional costs for you and your loved ones.

    Having permanent disability insurance is important because it provides a safety net for you and your family. It can help ensure that you are able to maintain your standard of living and meet your financial obligations even if you are no longer able to generate an income. 


    What is the difference between own occupation and any occupation?

    There are two ways of defining total permanent disability insurance based on 'own occupation' and 'any occupation' that impact your claim and the premiums you pay.

    • Any occupation is when you become permanently disabled and are unable to perform any type of work reasonably suited to your education, training, or experience.
    • Own occupation is when you cannot resume your usual work responsibilities within your current role or industry, but still have the capacity to work in a different role.

    Ready to get started?

    • Get a quick quote
    • Talk to an adviser
      Talk to an Adviser
    • Apply online
    • View Brochure
    In 2023, we paid out over $17 million in total permanent disablement claims.

    Did you know?

    In 2024, we paid out over $23 million in total permanent disablement claims.

    AIA Living Total Permanent Disablement Insurance benefits^

    + Expand All- Minimise All

    Built in benefits

    Assistance benefit

    Financial support to help adjust to your new circumstances. This could be used to modify your home, vehicle or if you require specialist medical equipment for example.

    Up to $15,000

    Partial permanent disablement

    Entitlement to receive financial support for partial disability. E.g. loss of sight in one eye.

    Lesser of 25% of the sum assured or $100,000

    Waiver of waiting period

    Once assessment is completed, and it’s confirmed that you are expected to survive beyond three months after the disability and all the requirements have been met, then the normal three-month waiting period is waived.

    Included

    Financial and legal advice

    Financial support to access advice from an approved financial adviser or legal professional. 

    Up to $2,500

    Future insurability

    You can apply to increase your sum assured at every third policy anniversary without providing any further medical information. 

    Included

    Special events increase facility

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

    Included

    Premium conversion

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

    Included

    Counselling

    Covers the cost of a Psychiatrist or Psychologist consultation for you and/or your family where the treatment relates directly to the claim.

    Up to $2,500

    Suspension of cover

    AIA provide the flexibility to suspend your cover for up to 12 months, for the events specified in the policy. No benefits will be payable for any claim event during the suspension period. 

    Included

    Enhancement pass back

    At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy wording and apply the most favourable option for your claim. For more information visit aia.co. nz/passbacks

    Included

    Worldwide cover

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

    Included

    Optional add-ons

    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.

    Optional

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

    Do you want additional peace of mind?

    Explore our other insurance products available to extend your cover

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

    life insurance nz

    Life Insurance

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

     

    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

    trauma insurance nz

    Trauma Insurance

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

     

    Find out more

    accidental injury insurance nz

    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.

    AIA Vitality logo
    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 LIVING TOTAL PERMANENT DISABLEMENT INSURANCE

    FAQs

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

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    Am I eligible to apply for Total Permanent Disablement insurance?

    You are eligible to apply for AIA Living Total Permanent Disablement insurance if:

    • You are 16 to 55 years of age (or up to age 60 if you work in a clerical, managerial or professional job); and
    • You are a New Zealand citizen or a permanent resident or you hold a current New Zealand work permit or a long term New Zealand business visa.

    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.


    How much disability insurance cover do I need?

    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 back to discuss your needs.


    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.


    Are all occupations eligible?

    No. Most occupations are eligible, however some high-risk occupations aren't due to the nature of this occupation and the risks they present from an insurance perspective. Some examples of occupations that are not eligible for Total Permanent Disablement cover include armed forces personnel, police, prison guards, firemen, coal miners, professional divers and pilots.


    Are there any pastimes or activities which cannot be covered?

    Yes, there are some pastimes and activities which cannot be covered. If you participate in, or intend to participate in, a potentially hazardous activity and that activity cannot be covered, you will be notified before your policy is issued. If an activity cannot be covered, an exclusion will be specified in the policy at the time it is issued. Some examples of pastimes and activities which might be subject to an exclusion are gliding, motor racing, mountain climbing and scuba diving to depths of greater than 40 metres.


    Policy Wordings

    AIA Living Total Permanent Disablement Personal

    AIA Living Total Permanent Disablement Personal
    - +
    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. 

    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
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