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      Helps protect your loved ones if you are diagnosed with a terminal illness or pass away.

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      A lump sum benefit if you can’t work due to injury or illness

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    AIA Vitality

    AIA Vitality is a personalised, science-backed health and wellbeing program that supports you every day to make healthier lifestyle choices.

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      Check your AIA Vitality Status and get access to the tools you need to help improve your health.

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  • Life Insurance

    We’re here to help protect your family, your lifestyle and your future.


    Our Life Insurance products

    Find the right cover to take care of what matters most to you.

    • For individuals
    • For business

    Life cover

    Life insurance cover helps protect your family’s financial future when you no longer can.             

    TOTAL & PERMANENT DISABLEMENT

    Cover that can help you receive quality care and support if a serious injury or illness leaves you permanently disabled.

    INCOME PROTECTION

    A monthly income can provide you with the financial security you need to concentrate on recovery after illness or injury.

    CRISIS RECOVERY

    In the case of a traumatic event or illness, your cover can ease financial stress so you can focus on recovery.

    BUSINESS EXPENSES

    May assist to pay expenses of your business if you cannot work due to injury or illness.


    UNDERSTANDING PREMIUMS

    Find out how different premium structures work.

    Understanding stepped Premiums

    Stepped premiums increase each year as you get older because your chances of death, sickness and injury increase with age.

    man with small girl walking on the road

    Understanding Level Premiums

    Level premiums don’t increase each year as you get older. They continue until the policy anniversary before you turn 65 or 70.




    FREQUENTLY ASKED QUESTIONS

    What are Stepped premiums?

    Stepped premiums are calculated each year based on your age at your policy anniversary. They generally go up each year as you get older.
     

    Depending on your insurance needs, Stepped premiums may be more appropriate and cost-effective. Your financial adviser can recommend the appropriate premium type to suit your personal circumstances.
     

    Stepped premiums can increase for other reasons too not just with age. For example, if your policy includes indexation, your cover amount automatically increases each year, so your insurance protection keeps pace with the cost of living (inflation). This means as your cover amount grows, your premiums will also increase.

    Your premiums may also increase if there are changes in stamp duty rates, if we change premium rates for a group of policies or if you have a policy discount that is due to expire or reduce. If AIA Vitality is attached to your policy, your premium discount will vary based on your engagement in the program.

    Learn more about Stepped premiums at Stepped-premiums.


    What are Level premiums?

    Level premiums are calculated based on your age on the date your cover starts.
     

    As your Level premiums are generally averaged out over a number of years, your Level premiums won’t increase because of your age until your Level premiums end.

    When your Level premiums end (on your policy anniversary before you turn 65 or 70), your premiums will automatically change to Stepped, which means your premiums increase every year as you get older. Learn more about Stepped premiums at Stepped-premiums.

    Depending on your insurance needs, Level premiums may be more appropriate when you hold the insurance cover over a longer period of time. Your financial adviser can recommend the appropriate premium type to suit your personal circumstances.

    Whilst Level premiums don’t increase because of your age, they may still increase for other reasons. For example, if your policy includes indexation, your cover amount automatically increases each year, so your insurance protection keeps pace with the cost of living. This means as your cover amount grows, your premiums will also increase.

    Your premiums may also increase if there are changes in stamp duty rates, if we change the premium rates for a group of policies or if you have a policy discount that is due to expire or reduce. If AIA Vitality is attached to your policy, your premium discount will vary based on your engagement in the program.

    When we calculate premiums for indexation increases in cover, we continue to base the calculation on your age at the date your cover started, not at the date of the increase - which would be more expensive.

    Learn more about Level premiums at Level-premiums.

    Life insurance with AIA Vitality

    The more you do to improve your health, the greater the rewards. You can attach an AIA Vitality membership to your life insurance or income protection cover to help you protect your most precious asset – your health.

    AIA Vitality infographic life

    Claims made easy

    Claims made easy image

    AIA Australia paid over $2.1 billion in total claims paid to customers during 2021, across our Retail, Group and Direct insurance policies.

    Our priority is to support you through the claims process, ensuring that you understand what's happening every step of the way and that you get what you need as soon as possible.

    Introducing AIA Medix Personal Medical Case Management

    Receiving a diagnosis of ill-health can be frightening, stressful and confusing. That’s why we’ve partnered with Medix, who offer world-class Personal Medical Case Management.

    Medix

    Find out more

    If you are looking for more information about the choices available to you, we can help you find a financial adviser to discuss your situation and needs.

    Talk to us

    Our friendly team is here to answer any questions you may have and find you a financial adviser if you need one.

    AIA Vitality Content Hub

    Whether it’s your first foray into fitness or your gruelling third month of marathon training, AIA Vitality's Content Hub is your ultimate support team. Get the information and guidance you need to move well, think well, eat well and plan well. Your questions answered, inspirational stories and science-backed advice.

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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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