COVID-19 and your insurance - FAQs

COVID-19 has no impact on your existing insurance cover with us. If you need to make a claim related to COVID-19, as with any other claim, you will simply need to meet the eligibility requirements for your type of cover. 

Our policies are designed to protect and support you if you become seriously ill or injured. They are not intended to cover situations in which you need to stop work in order to care for a family member.

If you have a Priority Protection income protection policy, you may be entitled to a limited premium waiver for involuntary unemployment. Your financial adviser will be able to assist you to confirm whether you hold this benefit and whether your circumstances are likely to meet the eligibility requirements. 

Our policies are designed to protect and support you if you become seriously ill or injured. They do not cover office setup.

We understand that it is a difficult time for many people right now. Your financial adviser or planner will be able to discuss any options available to you to reduce your premiums at this time. Alternatively, you can contact us on 1800 333 613.

At AIA, we offer a range of life insurance products, designed to provide you with the support you need in the event of a serious illness or injury, or to provide support to your family in the event of your death. Our products do not contain exclusions for COVID-19; as long as you meet the eligibility requirements for your particular benefit, you are covered for claims relating to COVID-19.

We are preparing for all scenarios, including having all of our staff working from home, to ensure we will continue to be there when you need us.

We have instituted a number of initiatives* to support you through this time including:

1. Extending COVID-19 cover to all our Health Insurance policies
2. Extending benefits for some key Extras items to cover Tele-consultations
3. Offering Financial Hardship solutions to those suffering financial stress due to COVID-19

*See FAQs below for details, terms and conditions of the above COVID-19 initiatives. 

We have extended cover for COVID-19 to all of our policies. So, if you are admitted to hospital as a private patient due to COVID-19, you will be covered.

The COVID-19 Cover Extension will be available until 30 September 2020. We will continue to review the need for this extension as the year progresses. To be eligible for Cover Extension you must have held a AIA Health Insurance policy for a minimum of 2 weeks.

We are now providing benefits for services delivered by video conferencing or telephone. These services include:

1. Psychology (including counselling and psychotherapy when provided by a psychologist)
2. Physiotherapy (including post orthopaedic surgery rehabilitation, chronic musculoskeletal condition, cardiac rehabilitation or pelvic floor muscle training)
3. Dietetics
4. Speech pathology
5. Occupational therapy

Tele-consultations will be available until 30 September 2020. We will continue to review the need for these additional benefits as the year progresses. For services eligible for Tele-consultations you must have served the applicable waiting period for that service under your policy.

If you are experiencing financial stress because of COVID-19, we can help find a solution that will suit your individual needs and cover. Please call us on 1800 333 004 and one of our Member Services Team representatives will talk to you about options during this time. 

Find important information about COVID-19 and your health insurance cover on our dedicated members page.