Total and Permanent Disablement

Receive a lump sum payment if illness or injury leaves you unable to work again, helping you manage long-term costs and protect your financial future.

Financial support when you can’t work again

Total and Permanent Disablement (TPD) provides a tax-effective lump sum payment if you become permanently unable to work due to illness or injury. It gives you the financial security to focus on recovery, care, and your future.

Your benefit payment is flexible, you can choose to use it in the way that matters most to you and your family:

Cover every day living expenses

Pay off your mortgage or debts

Fund medical treatment and rehabilitation

Support long term care needs

Modify your home or car

Replace lost future income

Take control of your future with financial protection when you need it most.

Built in benefits included in Total and Permanent Disablement

Partial and Permanent Disablement

Receive an advance payment of 25% (up to $750,000) for a Partial and Permanent Disablement.

Day 1 TPD

Access payments immediately for 'Other Serious Crisis Events', such as Blindness, Loss of Hearing.

Accommodation Benefit

Up to $250 per day (for 30 days) for immediate family accommodation if hospitalised more than 100kms from your home.

Counselling Benefit

Access up to $1,200 in grief counselling ($200 per session).

Benefit Indexation

We automatically increase your insurance benefit so it keeps up with inflation and the cost of living. You can choose to opt out of the increase before your next policy anniversary.

Product information is a summary only. Please refer to the PDS for details.

Access AIA Vitality

Attach an AIA Vitality membership to your cover and get rewarded with lower premiums, discounts and cashbacks.

How can I buy AIA life insurance?

Choose the option that best suits you

Get a quote and apply online

Explore your options, tailor your policy and apply for $100,000 to $750,000 in cover. Must be linked to Life Cover.

Speak to our General Advice team

For help with quotes, questions or your application at no cost, 9am – 5pm, Mon to Fri, AEST.

Speak to an AIA Financial Wellbeing planner

They can give you personalised advice tailored to your needs (fees apply). Call 1800 434 044, 9am – 5pm, Mon to Fri, AEST.

Speak to a financial adviser

We can connect you to a financial adviser in your area.

Have other protection needs?

Life Cover

Pays a lump sum to your loved ones if you pass away or are diagnosed with a terminal illness.

Income Protection

Replaces up to 70% of your income so you can keep paying bills if injury or sickness stops you working.

Crisis Recovery

Pays a lump sum so you can focus on recovery if diagnosed with a specified condition, such as cancer, stroke or heart attack.

Total & Permanent Disability FAQs

If purchasing TPD or Crisis Recovery from AIA Australia online, it must be linked to Life Cover. If you would like to purchase stand-alone TPD or Crisis Recovery, please speak to an AIA Financial Wellbeing Planner by calling 1800 434 044, 9am – 5pm, Mon to Fri, AEST.

You may have TPD in your superannuation fund. However, the default option may only provide a fraction of the cover you need. To work out if you need extra cover, check the insurance in your super fund or with your employer.

Most serious physical and mental health conditions that cause permanent disability, like cancer, heart disease, paralysis, or PTSD are covered. Exclusions may apply for pre-existing conditions, self-inflicted harm, or criminal activity. Check for specific terms in the Product Disclosure Statement.

The different types of insurance cover are designed to complement each other, not replace one another:

Life Cover protects your family if you die.
TPD protects you if you can’t work again due to an injury or sickness.
Crisis Recovery helps you manage immediate medical or lifestyle costs during a major health crisis.
Income protection replaces up to 70% of your income so you can keep paying bills if injury or sickness stops you from working.

Crisis Recovery funds the costs associated with getting you better and back to work if you were to suffer from a serious crisis event and require medical treatment to recover from illnesses like cancer, stroke or a heart attack. But if your sickness or injury is so severe that you can never return to work, for example a spinal cord injury, the loss of a limb in a car crash, or the onset of Motor Neurone Disease, TPD may help you and your family maintain a good quality of life.

Your TPD premiums aren’t tax deductible, but the lump sum payment you receive if you have a TPD claim is generally not taxed.

If you choose to include Benefit Indexation, we will automatically increase your cover (Sum Insured and/or Insured Monthly Benefit) at your Policy Anniversary by the higher of the Consumer Price Index Increase and 5% for Life Cover and/or the Consumer Price Index Increase for Income Protection, every year. Your premium will also increase to account for the higher cover (Sum Insured or Insured Monthly Benefit) and your age at your Policy Anniversary.

Should you change your mind, you have a 30 day cooling off period, where you can cancel your Policy and receive a full refund of all money paid. To cancel your Policy within the cooling off period, please contact us on 1800 290 989, 9am - 5pm, Mon to Fri, (AEST).