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  • {{title}}

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    • Vitality

    income protection

    Priority Protection

    Entry Age (next birthday)

    16 years

    Expiry Ages (policy anniversary prior to)

    55/65/70 years

    You can buy this via a

    financial adviser

    WHAT IS THIS PRODUCT ABOUT?

    If something happened to you and you were unable to work due to sickness or injury, would you have enough money set aside to cover your day-to-day bills and look after your family? 

    Confronted with this situation, many Australian families experience significant financial difficulty.

    Income Protection allows you to receive a monthly payment while you are unable to work.

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    • DOWNLOAD PDS DOWNLOAD PDS
    • eligibility eligibility
      Income Protection Eligibility
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    Brendan's Story

    Income Protection enabled Brendan's income stream to continue, which meant that he was able to concentrate on recovering and could rest assured knowing his family's lifestyle would be taken care of while he was unable to work.

    Brendan's Story

    WHAT DOES THIS PROVIDE?

    • TOTAL OR PARTIAL DISABLEMENT
      TOTAL OR PARTIAL DISABLEMENT

      Provides a monthly benefit should you suffer total or partial disablement.

    • TERMINAL ILLNESS BENEFIT
      TERMINAL ILLNESS BENEFIT

      Provides a lump sum payment (six times your insured monthly benefit) if you are diagnosed with a terminal illness.

       

    • WAIVER OF PREMIUM
      WAIVER OF PREMIUM

      Should you become totally or partially disabled and receiving a claim payment, you will not need to pay premiums for the Income Protection benefit.

    • REHABILITATION EXPENSES
      REHABILITATION EXPENSES

      Covers the cost (up to a maximum of 12 times your insured monthly benefit) for you to attend a rehabilitation program to get you back to work.

       

    • SEVERITY BENEFIT
      SEVERITY BENEFIT

      Provides an additional third of your monthly benefit if you become totally disabled to the extent that you are unable to perform a number of every day activities. You must already be receiving a claim payment for six consecutive months to receive this additional benefit amount.

    • DEATH BENEFIT
      DEATH BENEFIT

      Provides a lump sum payment (six times your insured monthly benefit) if you pass away.

       

    insurance lingo explained

    What do we mean by monthly benefit?

    This is a monthly claim payment.  

    What do we mean by lump sum?

    This is a single, large claim payment.

    do you want additional peace of mind

    Additional options are available for you to customise your cover to make sure it suits your individual needs.

    • PLUS Optional offers a more comprehensive level of cover in addition to our standard Income Protection benefit.

    • Provides a lump sum benefit (up to $3 million) should you become totally and permanently disabled.

    • Advantage Optional offers a greater level of cover in addition to our standard Income Protection benefit.

    • Provides you with accidental cover during the waiting period.

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    • eligibility eligibility
      Income Protection Eligibility
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    CUSTOMISE YOUR COVER

    SUPERANNUATION INCOME PROTECTION

    Income Protection can also be offered through your superannuation (either through a Self Managed Superannuation Fund (SMSF) or the AIA Insurance Super Scheme No2).

    It provides a monthly income if you become disabled due to injury or sickness.

    Two options are available:

     

    Super Only: allows you to purchase Income Protection cover inside superannuation in a tax effective way.

     

    Super Extras: gives you the flexibility to structure your Income Protection cover so it is held both inside and outside of superannuation.

    INCOME PROTECTION ACCIDENT ONLY

    Provides a monthly income if you become disabled due to an accidental injury only.

    SUPERANNUATION INCOME PROTECTION ACCIDENT ONLY

    Income Protection Accident Only can also be offered through your superannuation (either through a Self Managed Superannuation Fund (SMSF) or the AIA Insurance Super Scheme No2).

     

    It provides a monthly income if you become disabled due to an accident.

    Two options are available:

    Super Only:     allows you to purchase Income Protection cover inside superannuation in a tax effective way.

    Super Extras    : gives you the flexibility to structure your Income Protection cover so it is held both inside and outside of superannuation.

    INCOME PROTECTION CORE

    Provides a monthly income if you become disabled and unable to work due to injury or sickness.

    By providing cover on more limited terms and without a number of the options that are available with our standard Income Protection cover, Income Protection CORE aims to provide you with more affordable cover and deliver more stable premiums over the term of your policy.

    Available under an Ordinary or Superannuation Income Protection Plan.
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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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