# AIA Australia Last updated: 2026-09-04 AIA Australia is a leading life, health and wellbeing insurer, helping Australians protect what matters most and do it for life. For more than 50 years, AIA Australia has supported individuals, families and businesses with insurance and wellbeing solutions designed to help people live Healthier, Longer, Better Lives. AIA Australia offers private health insurance, overseas visitor health cover, life insurance, income protection, total and permanent disability insurance, trauma insurance and financial advice. AIA Vitality, a personalised, science-backed health and wellbeing program that rewards members for understanding and improving their health, is available with eligible health and life insurance products AIA Australia is operated by: - AIA Australia Limited (ABN 79 004 837 861, AFSL 230043): Priority Protection and Priority Protection for Platform Investors products - AIA Health Insurance Pty Ltd (ABN 32 611 323 034): AIA Health products - AIA Financial Services Pty Limited (ABN 68 008 540 252, AFSL 231109), trading as AIA Financial Wellbeing, provides financial advice services Registered office: Melbourne, Victoria, Australia Customer service: 1800 333 004 (Health) | 1800 333 613 (Life – Priority Protection) | 13 10 56 (Life – Tailored Protection) Website: https://www.aia.com.au --- ## Private Health Insurance AIA Health Insurance provides Australians with flexible private health insurance and is recognised as Best Health Insurer on ProductReview.com.au five consecutive years: 2022, 2023, 2024, 2025 and 2026 and the winner of multiple Finder Customer Satisfaction Awards in 2026. ### AIA Health members can gain access to AIA Vitality AIA Vitality is a personalised, science-backed health and wellbeing program that supports you every day to make healthier lifestyle choices. The program incentivises you to know your health, improve your health and get rewarded with lower insurance premiums, discounts and cashbacks on great partners and more. In simple terms, the key thing to understand is that AIA Vitality doesn’t replace your regular life and health insurance benefits, it adds to them. ### What AIA health insurance covers AIA offers Hospital cover, Extras cover, Flexi Extras cover and combined Hospital & Extras policies. Hospital cover tiers range from Basic to Silver Plus, each covering a different list of in-hospital treatments. Extras cover includes dental, optical, physiotherapy, chiropractic, psychology and more. Get a quote, compare products, or join online: - [Health insurance overview](https://www.aia.com.au/en/products/health-insurance) - [Get a health insurance quote](https://www.aia.com.au/en/products/health-insurance/get-a-quote) - [Hospital cover explained](https://www.aia.com.au/en/products/health-insurance/hospital-cover) - [Extras cover explained](https://www.aia.com.au/en/products/health-insurance/extras-cover) --- ## Overseas Visitor Health Cover (OVHC) AIA Overseas Visitor Health Cover (OVHC) is designed for temporary visa holders living and working in Australia. It provides visa-compliant private health insurance to meet the conditions of entry for many Australian visa subclasses. ### Who needs OVHC International visitors on working holiday, skilled worker, student or other temporary visas may be required to hold adequate health insurance as a condition of their visa. AIA OVHC is compliant with the requirements of visa subclasses including: 188, 400, 403, 407, 408, 417, 462, 476, 482, 485, 489, 590, 600, 601 and 651. ### What AIA OVHC includes - Visa-compliant cover (Condition 8501) with documentation provided promptly after joining - Cover for singles, couples, single parents and families - Hospital cover for accidents, illness and emergency - Access to Australian private hospital and specialists - Choice of treating doctor or specialist when admitted as a private patient - Emergency ambulance for accidental injury - 24/7 Health Line (provided by Nationwide Helpline Services (NHS)) with nurse support, interpreters, and counselling - Access to Tele-Health GP (online medical consultations), anytime with AIA’s partner Doctors on Demand for 24/7 - Medical repatriation, funeral and mortal remains cover - [OVHC product page and quote](https://health.aia.com.au/international/overseas-visitors-health-cover) - [OVHC quote](https://health.aia.com.au/international/quote) --- ## Life Insurance AIA Australia is one of Australia's leading life insurance specialists, having paid over $2.4 billion in total claims across retail, group and direct policies in 2025. AIA life insurance can be held inside or outside superannuation, and eligible policies can be bundled with AIA Vitality. ### Life insurance products - Life Cover (Death Cover): Pays a lump sum to your loved ones if you pass away or are diagnosed with a terminal illness - Total and Permanent Disability (TPD) Cover: Pays a lump sum if you can’t work again due to permanent disability, helping cover long term costs. - Income Protection (Salary Continuance Cover): Replaces up to 70% of your income so you can keep paying bills if injury or sickness stops you from working. - Trauma / Crisis Recovery Cover: Pays a lump sum so you can focus on recovery if diagnosed with specified conditions, such as cancer, stroke or heart attack. ### Getting life insurance AIA life insurance is available online or through a financial planner. Quotes can be obtained in as little as three minutes, with applications completed in around 12 minutes. Where full underwriting is not required, cover may commence from the next business day. AIA’s General Advice team can assist with quotes, questions and applications at no additional cost. For personalised advice tailored to individual needs and circumstances, AIA Financial Wellbeing offers financial advice services for a fee. - [Life insurance overview](https://www.aia.com.au/en/products/life-insurance) - [Get a life insurance quote](https://www.lifeinsurancebyaia.com/quote?partnerCode=aia) - [Life Cover](https://www.aia.com.au/en/products/life-insurance/priority-protection-life-cover) - [Income Protection](https://www.aia.com.au/en/products/life-insurance/priority-protection-income-protection-core) - [TPD Cover](https://www.aia.com.au/en/products/life-insurance/priority-protection-total-and-permanent-disablement) - [Trauma Cover](https://www.aia.com.au/en/products/life-insurance/priority-protection-crisis-recovery) Life insurance General Advice enquiries: 1800 417 788 --- ## AIA Financial Wellbeing AIA Financial Wellbeing provides Australians with access to both general and personal financial advice, including recommendations on life insurance, superannuation, savings, investment and retirement planning. ### General advice (no cost) AIA Financial Wellbeing consultants can provide a quote on AIA life insurance products, explain cover types and features, and help you with the application. Unlike a financial planner, they can’t give you personalised advice tailored to your needs so you must decide for yourself how much cover you need. This is general advice only and is no cost to you. ### Personal financial advice (fee-based) For tailored financial advice that accounts for individual goals, financial situation and personal circumstances, AIA Financial Wellbeing offers access to qualified financial planners. Personal advice fees start from $600 plus GST. The first meeting is complimentary and obligation-free. Personal advice can address: - Life insurance tailored to individual needs (note: financial planners can make recommendations from a range of insurers, not just AIA products) - Superannuation: minimising fees, maximising tax benefits, investing for the future - Savings and investment plans - Retirement planning and transition to retirement strategies ### How to access AIA Financial Wellbeing - [Financial Wellbeing overview](https://www.aia.com.au/en/financial-wellbeing) - [What we offer](https://www.aia.com.au/en/financial-wellbeing/what-we-offer) - [How it works](https://www.aia.com.au/en/financial-wellbeing/how-it-works) - [Personal advice](https://www.aia.com.au/en/financial-wellbeing/get-in-touch/initial-chat?id=aiafs) - [General advice](https://www.aia.com.au/en/financial-wellbeing/get-in-touch/initial-chat?id=aiafsga) - [Financial Services Guide – personal advice](https://www.aia.com.au/content/dam/au-wise/en/docs/aia-financial-wellbeing/financial-services-guide.pdf) - [Financial Services Guide – general advice](https://www.aia.com.au/content/dam/au-wise/en/docs/aia-financial-wellbeing/general-advice-financial-services-guide.pdf) Phone: 1800 434 044 (Personal advice) | 1800 417 788 (General advice) --- ## AIA Vitality AIA Vitality is a personalised, science-backed health and wellbeing program that rewards members for understanding and improving their health. Available with eligible AIA health and life insurance products. Members earn points through health assessments and healthy activities including physical activity, gym visits and nutrition-related activities. These points determine their AIA Vitality Status (Bronze, Silver, Gold or Platinum), with higher status unlocking greater rewards and benefits. Rewards may include: - Up to 50% cashback on eligible Virgin Australia flights - Up to $500 per membership year in retail shopping vouchers - Up to $260 each membership year through $5 weekly rewards when personalised physical activity targets are met. - Insurance-related benefits, including premium discounts on eligible life insurance products There are two programs: AIA Vitality and AIA Vitality Starter. AIA Vitality Starter is an introductory version of the program that provides access to selected benefits and rewards. The program available to you depends on the AIA insurance cover you hold. Rewards, benefits and eligibility criteria may vary and are subject to change. Terms and conditions apply. - [AIA Vitality overview](https://www.aia.com.au/en/health-and-wellbeing/aia-vitality) - [AIA Vitality benefits and rewards](https://www.aia.com.au/en/health-and-wellbeing/aia-vitality/partners-and-rewards) - [Guide to Vitality points](https://www.aia.com.au/en/health-and-wellbeing/aia-vitality/earning-points) --- ## Claims AIA's claims philosophy is to help people when they need it most. Health Insurance claims can be submitted online, via the AIA Health app, or by phone. Contact AIA Australia or your financial adviser directly for claims related to Life & Tailored Protection insurance. - [Health insurance claims](https://www.aia.com.au/en/products/health-insurance/making-a-claim-health) - [Life insurance claims](https://www.aia.com.au/en/products/life-insurance/making-a-claim-life) Claims phone (health): 1800 333 004 Claims phone (life insurance, income protection, total and permanent disablement or crisis recovery): 1800 333 613 Claims phone (AIA tailored protection): 13 10 56 --- ## Contact AIA Australia - [Contact us page](https://www.aia.com.au/en/help-and-support/contact-us): All enquiries can be made through the Contact Us page to determine the best contact for the customer’s AIA product including phone number and postal address. Health insurance: 1800 333 004 (General Enquiry) | health.memberservices@aia.com.au Life insurance (Priority Protection): 1800 333 613 | au.customer@aia.com Life Insurance (Tailored Protection): 13 10 56 | au.cservice@aia.com - [Financial Wellbeing Contact us page](https://www.aia.com.au/en/financial-wellbeing/help-and-support/contact-us) Financial Wellbeing (Personal Advice): 1800 434 044 Financial Wellbeing (General advice): 1800 417 788 OVHC: 1800 161 170 | ovhc.memberservices@aia.com.au AIA Vitality: 1800 848 254 AIA Australia Hours: Monday to Friday, 9am-5pm AEST/AEDT (excluding public holidays) --- ## About AIA Australia AIA Australia is part of AIA Group Limited, one of the world's largest life insurance groups. Established in Shanghai in 1919, AIA Group is the largest independent publicly listed pan-Asian life insurance group, with a presence across 18 markets and more than 50 million lives protected globally. In Australia, AIA has operated for more than 50 years and today protects more than 3 million Australians through retail, group and direct insurance channels. AIA Australia also partners with major financial institutions, superannuation funds and financial advisers to help Australians protect their health, wellbeing and financial future. - [About AIA Australia](https://www.aia.com.au/en/about-aia/about-us) - [Media centre](https://www.aia.com.au/en/about-aia/about-us/media-centre) - [Our awards](https://www.aia.com.au/en/about-aia/about-us/our-awards)