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    • Priority Protection

      A selection of cover options to cater for a broad range of insurance needs.
    • Priority Protection For Platform Investors

      Provides clients with a selection of plans to cater for their life insurance needs.
    • POLICIES PREVIOUSLY SOLD UNDER CMLA

      Closed to new business (except continuation options and replacements).
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      Pays you a guaranteed income throughout your retirement.
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      Offers a tax-effective way to invest for the future.
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      Our science-backed health and wellness program.
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      Health Insurance that comes with access to AIA Vitality.
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    • Underwriting and Claims commitments

    We want Australians to take comfort in the knowledge that we are there when they need us most. Whether your client is a new applicant, a frontline healthcare worker or currently on claim, we’re committed to supporting and protecting them.

    Underwriting new clients

    We want Australians to take comfort in the knowledge that we are there when they need us most. There are no exclusions for COVID-19 in any of our policies.

    We will consider all applications for insurance based on individual circumstances and disclosures.

    Applicants who have been diagnosed with COVID-19 will be considered for cover upon full recovery with no complications.

    For applicants who have returned from any overseas country or have been in contact with someone confirmed to have COVID-19, we will wait until they have met the isolation period requirements imposed by the Australian Government, and ensure that they have not tested positive for COVID-19 prior to issuing cover.

    As this is a rapidly evolving situation, we will continue to monitor developments and determine whether we need to adjust our approach to assessing applications, to ensure that we provide the best possible outcomes in all instances.

    If you have any further questions regarding AIA Australia’s underwriting position during this time, please contact your State Underwriting team.

    Underwriting frontline healthcare workers

    AIA Australia supports the industry’s commitment to ensure that frontline healthcare workers are not prevented from obtaining life insurance cover purely because of their exposure, or potential exposure, to COVID-19.

    You can find more information on the commitment here.

    Anyone applying for an individually underwritten life insurance policy who has one of the listed frontline roles will be able to take up cover up to the sum insured limits below, without any declines, exclusions or premium loadings based on exposure or potential exposure to COVID-19, subject to the following:

    • our normal underwriting process and rules will apply for health conditions unrelated to COVID-19
    • applicants who have tested positive for COVID-19 and not yet recovered, or who are waiting for a test result, will not be immediately eligible for cover.

    Sum insured limits

    • $750,000 of life cover
    • $500,000 of total and permanent disablement cover (TPD)
    • $200,000 of crisis recovery
    • $4,000 a month in total of any combination of income protection or business expenses cover.


    The above limits are those set by the FSC Commitment, however AIA Australia can exceed these limits on a case by case situation.

    Relevant frontline roles

    • Doctors, nurses, cleaners and all hospital workers
    • Ambulance workers and paramedics
    • People working at a GP Surgery or Clinic
    • Workers at a COVID-19 testing site
    • Allied healthcare workers
    • People providing mental healthcare services
    • Workers developing a COVID-19 vaccine or treatment
    • Pharmacists
    • Police
    • Age Care workers
    • Volunteers helping to support people with COVID-19


     

    Claims and Medical Support for COVID-19

    We’re proud to support an industry initiative to ensure that if our customers lose their job, are stood down or have reduced working hours due to COVID-19, their total and permanent disablement (TPD) cover will not be affected, if they need to make a claim.

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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2007, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 1 April 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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