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    • Vitality

    TOTAL AND PERMANENT DISABLEMENT

    Priority Protection

    Entry Age (next birthday)

    16 years

    Expiry Age (policy anniversary prior to)

    55/65/70 years

    You can buy this via a

    Financial Adviser

    WHAT IS THIS PRODUCT ABOUT?

    Have you considered how you'll replace lost income, or cover the expenses of lifestyle adjustments, if you were to ever suffer a serious injury or sickness? This could change your lifestyle completely.

    Total and Permanent Disablement (TPD) cover can make sure your lifestyle is covered if an unpredictable event happens.

    Find an adviser form
    • DOWNLOAD PDS DOWNLOAD PDS
    • eligibility eligibility
      Total and Permanent Disablement Eligilbility
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    Bob's Story

    The right advice, at the right time, provides the right cover when accidents strike.

    Bob's Story

    what does this provide?

    • TPD BENEFIT
      TPD BENEFIT

      Provides you with a lump sum benefit if you become totally and permanently or partially and permanently disabled and:

      • are unable to work or
      • are unable to perform domestic duties or
      • suffer total or partial disablement that prevents you from performing a number of every day activities.

    • PARTIAL AND PERMANENT DISABLEMENT
      PARTIAL AND PERMANENT DISABLEMENT

      Provides you with a lump sum benefit equal to the lesser of $750,000 or 25% of your sum insured, should you suffer the permanent loss or use of one arm, one leg or sight in one eye.

    • FINANCIAL PLANNING REIMBURSEMENT
      FINANCIAL PLANNING REIMBURSEMENT

      Covers any financial advice costs up to $3,000 to assist with managing or investing your claim payment for death or terminal illness.

       

    • PREMIUM FREEZE
      PREMIUM FREEZE

      Gives you the flexibility to keep your premium the same each year by reducing your sum insured.

       

    insurance lingo explained

    What do we mean by sum insured?

    This is the amount you are covered for. This is stated on your policy schedule.

    What do we mean by lump sum?

    This is a single, large claim payment.

    What do we mean by health event?

    Health events covered are:

    • Cancer events (e.g. skin cancer)
    • Coronary events (e.g. heart attack)
    • Other serious crisis events (e.g. major head trauma)

    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.

    • Where life cover has been purchased in addition with TPD cover, you have the option to re-purchase your life cover sum insured that has been reduced from a TPD claim payment.

    • When certain life events occur, you can increase or purchase new cover without having to provide further evidence of health.

    • Gives you the option to purchase additional cover of up to $200,000, should one of your dependant children experience a health event or is diagnosed with a terminal illness.

    • Covers your child's school tuition fees should you become totally and permanently disabled, diagnosed with a terminal illness or pass away.

    View more options
    View less options
    Find an adviser form
    • eligibility eligibility
      Total and Permanent Disablement Eligilbility
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    CUSTOMISE YOUR COVER

    DOUBLE TOTAL AND PERMANENT DISABLEMENT

    Consider Double TPD when you require life cover with a linked TPD benefit. The advantage of this benefit is if you become totally disabled, the life cover sum insured will not reduce and we will waive the life cover premiums until the policy anniversary before the expiry age.

    DOUBLE UNIVERSAL TOTAL AND PERMANENT DISABLEMENT

    Where a Double Universal TPD benefit is paid due to total disablement, the life cover sum insured will not be reduced and the life cover premiums will be waived up until the policy anniversary before the expiry age.

    UNIVERSAL TOTAL AND PERMANENT DISABLEMENT

    This provides you with a lump sum benefit if you become severely disabled and require continuous care.

    ACCIDENTAL TOTAL AND PERMANENT DISABLEMENT

    Provides you with a lump sum benefit if you become totally or partially disabled due to an accident only.
    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

    AIA Global aia.com

    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

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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 2207, 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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