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  • We are protecting the value of your clients' extras cover

    22 June 2020


    We’re excited to announce Extras Value Protect, our new health insurance benefit for 2020 designed to ensure your clients get the most out of their Extras cover, whether they claim or not. 

    With Extras Value Protect your clients could receive a refund of up to 100% of their Extras premiums paid from 1 April to 31 December 2020 – protecting the value they receive from their Extras cover this year.

    About Extras Value Protect

    We know that the value of Private Health Insurance is in the access to, and choice of, hospital, medical and extras health services when needed most. However, in recent months we acknowledge that getting the most out of Extras cover may have been challenging.

    Extras Value Protect has been specifically created for these unique times, and is a one-off benefit designed to protect the value of your clients’ Extras cover. Depending on their AIA Vitality Status, they’ll receive between 50% and 100% back on the Extras premiums they pay between 1 April and 31 December 2020 – minus the value of any Extras claims they make during this period. Extras Value Protect is available to members with AIA Health Insurance or myOwn health insurance policies.

    How Extras Value Protect works for your clients

    Extras Value Protect infographic

    It’s simple! As at 31 December 2020 we will review:

    1. Their AIA Vitality Status – to determine their value protection percentage;
    2. The amount they have paid in Extras premiums between 1 April and 31 December; and
    3. The amount they have claimed on their Extras during this period;


    If your client has paid more in Extras premiums than they have claimed in benefits during this time – they may be eligible for a refund.

    Plus, the higher their AIA Vitality Status is at the end of the year, the greater their Extras Value Protect percentage, and therefore refund:

    • AIA Vitality Bronze Status = 50% value protection;
    • AIA Vitality Silver or Gold Status = 75% value protection;
    • AIA Vitality Platinum Status = 100% value protection.


    Now there are even more reasons to encourage your clients to engage in AIA Vitality and be healthy!

    What do your clients need to do?

    To be eligible for an Extras Value Protect refund your client’s policy must be active and paid up-to-date as at the end of February 2021. Please note that any Extras Value Protect refund provided is based purely on their Extras portion of premiums paid, not their total health insurance premium.

    If your client is eligible for a refund, we will notify them in January 2021 and the refund will be paid by direct deposit into their bank account in February 2021.

    The most important thing for you to do is encourage your clients to look after their health and remind them that by engaging with AIA Vitality they will earn AIA Vitality Points for completing health checks and staying active - and be rewarded for their healthier choices. This will not only help them improve their wellbeing – it may also increase the Extras Value Protect refund they are entitled to.

    With Extras Value Protect you can be assured your clients are receiving the best possible value out of their Extras cover, giving them the confidence, they’ve made the right choice with myOwn and AIA Health Insurance.

    It’s just another way we continue to help your clients lead healthier, longer, better lives.

    Please note we have recently communicated Extras Value Protect directly to your clients, including a link to these FAQs. If you have any further queries, please don’t hesitate to contact your Client Development Manager/Associate.

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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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