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Member Benefits
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  • Extras Value Protect banner

    GET UP TO 100% BACK

    ON YOUR EXTRAS PREMIUM

    T&Cs apply

    protect the value

    A first for health insurance and exclusive to AIA Health with AIA Vitality, Extras Value Protect is a unique benefit that allows you to get up to 100% back on your Extras premium. .

    First introduced in 2020 to support our customers during COVID-19, a time when getting the most out of Extras cover may have been challenging. With an overwhelmingly positive response and ongoing challenges due to the pandemic, we’ve brought it back for a third year in 2022.

    HOW DO I Get

    EXTRAS VALUE PROTECT?

    Join an AIA Health with AIA Vitality hospital and extras cover.

    Look after your health. Engage with AIA Vitality and earn AIA Vitality Points for completing health checks and staying active - and be rewarded for your healthier choices.

    - THEN -

    Medal silver

    Earn 10,000 AIA Vitality Points and achieve AIA Vitality Silver Status by 31 December 2022.

    Receive a refund benefit of 50% on the Extras premiums you’ve paid throughout 2022, minus any Extras claims you make during this period.

    - OR -

    Medal silver

    Earn 20,000-30,000 AIA Vitality Points and achieve AIA Vitality Gold or Platinum Status by 31 December 2022.

    Receive a refund benefit of 75% or 100% on the Extras premiums you’ve paid throughout 2022, minus any Extras claims you make during this period.


    EXTRAS VALUE PROTECT EXPLAINED

    Your AIA Vitality Status determines your Protection value applied to your Extras premiums paid, which is then used to calculate your Extras Value Protect benefit, minus any claims you make. The higher your AIA Vitality Status, the greater the benefit. 

    Extra Value Protect Infographic

    BENEFIT CALCULATION – LET’S LOOK AT AN EXAMPLE

    Extra Value Protect Infographic
    protect the value

    I’m an AIA Health customer

    You are eligible for Extras Value Protect 3.0 when you:

    • Hold an open AIA Health Extras cover listed in the FAQ section under ‘How is my eligibility determined’.
    • Earn AIA Vitality Points for completing health checks and staying active - and be rewarded for your healthier choices.
    • Achieve AIA Vitality Silver Status or above by 31 December 2022
    • Paid more in Extras premiums than you have claimed in benefits between 1 January and 31 December 2022.

    STILL HAVE QUESTIONS? YOU’LL FIND THE COMMON FAQS BELOW

    Frequently Asked Questions

    Why is AIA Health offering Extras Value Protect?

    Why is AIA Health offering Extras Value Protect?
    - COLLAPSE + EXPAND

    As a result of ongoing COVID-19 challenges we acknowledge that getting the most out of your Extras may be difficult. 

    That’s why we originally created Extras Value Protect, a one-off benefit designed to protect the value of your Extras cover in 2020 by providing eligible policyholders with a refund on your Extras premiums paid between April to December 2020. 

    We’re bringing it back for a third year in 2022 as we understand the ongoing challenges of the pandemic. Like 2021 there will be an ongoing tie to the AIA Vitality program.

    How is my eligibility determined?

    How is my eligibility determined?
    - COLLAPSE + EXPAND

    To be eligible for Extras Value Protect you must:

    • As at 31 December 2022 held one of the following open AIA Health ancillary products known as Extras products (“eligible products”):
      • Lite Extras
      • Standard Extras
      • Lifestyle Extras
      • Enhanced Extras
      • Lite Saver Extras
      • Healthy Saver Extras
      • Active Saver Extras
    • Have made at least one premium payment on an active AIA Health Insurance combined (Hospital and Extras) policy from 1 January 2022 to 31 December 2022.
    • Have your AIA Health policy paid up-to-date and not be in arrears.
    • Have an AIA Vitality status of Silver or higher as at 31 December 2022.
    • Have an active AIA Health Insurance policy at the time that the refund is issued (February 2023).
    How is the Extras Value Protect benefit calculated?

    How is the Extras Value Protect benefit calculated?
    - COLLAPSE + EXPAND

    Your Extras Value Protect is calculated using the following 3 components:

    1. Your AIA Vitality Status (as at 31 Dec 2022) to determine your protection value percentage
    2. Total Extras Premiums you have paid (1 January to 31 Dec 2022)
    3. Total Extras Claims you have received for services/treatments provided during the period 1 January to 31 Dec 2022.

    *Please note that if there are two members on the policy, the higher of the two AIA Vitality Statuses will be used for the calculation.

    Please refer to table below to see how this is calculated based on your AIA Vitality Status:

    Protection Value  AIA Vitality Status as at 31 Dec 2022
    Not eligible for Extras Value Protect benefit

    Bronze or no AIA Vitality

    50% of total Extras premiums paid less Extras claims Silver 
    75% of total Extras premiums paid less Extras claims Gold
    100% of total Extras premiums paid less Extras claims Platinum

    Please note that where your total Extras claims have exceeded the ‘Protection Value’ percentage of the Extras premiums paid during the eligibility period, no refund will be paid.

    When will I receive the refund?

    When will I receive the refund?
    - COLLAPSE + EXPAND

    If you are eligible for a refund, we will notify you by the end of February 2023, with the notification confirming when the refund will be paid by direct deposit into your bank account .

    Please ensure your banking details and email are up-to-date by logging in to your member portal or calling our Member Service Team on 1800 333 004. You will not be able to receive the refund until these are updated.

    Is this an ongoing benefit?

    Is this an ongoing benefit?
    - COLLAPSE + EXPAND

    No, Extras Value Protect was designed as a one-off benefit in 2020 to protect the value of your Extras. Based on customer feedback and the continuing COVID-19 challenges, AIA Health decided to run Extras Value Protect in 2021 and 2022

    How do I improve my AIA Vitality Status to increase my Extras Value Protect refund?

    How do I improve my AIA Vitality Status to increase my Extras Value Protect refund?
    - COLLAPSE + EXPAND

    There are many easy ways that you can earn AIA Vitality Points to increase your AIA Vitality Status. To find out how visit AIA Vitality.

    Is the refund only paid on my Extras premium or my total health insurance premium?

    Is the refund only paid on my Extras premium or my total health insurance premium?
    - COLLAPSE + EXPAND

    If you have combined Hospital and Extras cover the refund will be based only on the Extras portion of your total health insurance premium – not on the Hospital component.

    Am I guaranteed an Extras Value Protect refund?

    Am I guaranteed an Extras Value Protect refund?
    - COLLAPSE + EXPAND

    No, if your AIA Vitality Status is at Bronze or you don’t have an AIA Vitality membership, or where your total Extras claims have exceeded the ‘Value Protection’ percentage of the Extras premiums paid during the eligibility period, no refund will be paid. If your membership is not active or paid up-to date you will also not receive a refund. 

    Please refer to 'How is the Extras Value Protect refund calculated?' for further details.

    I paid my annual premium prior to 1 April 2021. Will that be included in my calculation?

    I paid my annual premium prior to 1 April 2021. Will that be included in my calculation?
    - COLLAPSE + EXPAND

    Yes, we’ll included any Extras premiums for cover held between 1 January to 31 December 2022, regardless of whether the premium was paid in advance prior to 1 April 2022.

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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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