Underwriting and Claims commitments

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.

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.