Skip to main content
  • Individuals
    • Individuals
    • Business
    • Adviser
    • About us
    • Contact us
    • Claims
    • AIA Vitality Member Login
  • Search
  • AIA Australia
  • Health Insurance
    • Member Benefits
    • Member Login
    • Get a quote
    • Make a claim
  • Life Insurance
    • Life Cover
    • Total and Permanent Disablement
    • Crisis Recovery
    • Income Protection
    • Business Expenses
    • Make a claim
    • Medix
  • Retirement & Investment
    • Guaranteed Annuities
    • Investment Growth Bond
    • Unit Prices
  • AIA Vitality
    • Partners and Rewards
    • Already a member? Login
  • Content Hub
    • Move Well
    • Plan Well
    • Eat Well
    • Think Well
  • Help & Support
    • Making a Claim
    • Forms & Documents
    • Policyholder Information
    • Complaints process
    • Contact AIA
    • Customer feedback
    • COVID-19
AIA
  • Individuals
  • Business
  • Adviser
  • About us
  • Contact us
  • Claims
  • AIA Vitality Member Login
  • Health Insurance

    Health Insurance

    Cover that protects and rewards.

    • Member Benefits

      Learn more about the range of benefits available to AIA Health Insurance members.
    • Member Login

      Existing members login here to your online account.
    • Get a quote

      Ready to get started?
    • Make a claim

      Get help with making a claim.
  • Life Insurance

    Life Insurance

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

    For Individuals

    For Business

    • Life Cover

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

    • Total and Permanent Disablement

      A lump sum benefit if you're no longer able to work due to an injury or illness.
    • Crisis Recovery

      Helps ease the financial burden should you suffer a traumatic event.
    • Income Protection

      Can provide you with a monthly income if you become disabled due to injury or illness.
    • Business Expenses

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

      Get help with making a claim.
    • Medix

      Personal Medical Case Management.
  • Retirement & Investment

    Retirement & Investment

    Plan for a more comfortable tomorrow.

    • Guaranteed Annuities

      Can provide you with a regular, guaranteed income stream throughout your retirement.
    • Investment Growth Bond

      Also known as an insurance bond, it offers a tax-effective way to invest for the future and is flexible enough to suit a wide range of needs.
    • Unit Prices

      Find unit prices for a range of products formally known as Commonwealth and Colonial Products.
  • AIA Vitality

    AIA Vitality

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

    • Partners and Rewards

      Learn more about our partners and rewards.
    • Already a member? Login

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

    Content Hub

    The AIA Vitality Content Hub is your go to for science-backed, health and wellbeing inspiration and advice.

    • Move Well

      Finding your further when it comes to exercise and fitness.
    • Plan Well

      Providing the tools and support for your future, because a good tomorrow starts today.
    • Eat Well

      Caring for your body with food that makes you feel good.

    • Think Well

      Tools and information to help cultivate a healthy frame of mind.

  • Help & Support

    Help & Support

    We strive to assist you for all your inquiries with high touch customer service.

    Contact AIA
    • Making a Claim

      Get help with making a claim.
    • Forms & Documents

      A selection of forms and other important product related documents.

    • Policyholder Information

      Useful information for policyholders.
    • Complaints process

      If you have a complaint, we'll do our best to resolve the situation.
    • Contact AIA

      How to get in contact with us.
    • Customer feedback

      Let us know how we're doing.
    • COVID-19

      How we are responding.

  • Search
  • Contact Us
    • Call Us

      Open: 8am to 6pm, AEST Mon - Fri
    • Find an adviser
Life Insurance
Prev | Next
Back to Top

  • {{title}}

    {{label}}
    • 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
    • share with a friend share with a friend

    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
    • share with a friend share with a friend

    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

    Choose your preferred way to
    receive information and support

    Contact AIA

    Choose your preferred way to
    receive information and support

    Help and support

    Make a claim

    Frequently asked questions

    Customer feedback

    Complaints process

    Whistleblower disclosure

    Forms and documents library

    Target Market Determinations

    Explore AIA

    AIA Vitality

    Health insurance

    Life insurance

    OneLife

    About AIA

    Careers

    Our people

    Our commitments

    Media centre

    Our awards

    FSC commitment

    Help and support

    Make a claim

    Frequently asked questions

    Customer feedback

    Complaints process

    Whistleblower disclosure

    Forms and documents library

    Target Market Determinations

    explore Aia

    AIA Vitality

    Health insurance

    Life insurance

    Retirement & investment

    Content Hub

    about AIA

    Careers

    Our people

    Our commitments

    Media centre

    Our awards

    FSC commitment

    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.
    Terms of Use | Privacy