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Accidental Injury Cover

Experiencing an accidental injury can have an immediate impact on your client's daily life and ability to do their job, whether they're a builder, office worker, or a parent caring for children at home.

Accidental Injury Cover is an optional product that can be added to eligible AIA Living insurance products including; life, trauma, income protection or total permanent disablement (minimum cover levels apply) for extra support.

If your client has an accident and suffer one of the covered injuries, Accidental Injury Cover can provide temporary financial support as a lump sum payment. This payment can be used for whatever they need: covering treatment costs, getting taxis to work, hiring someone to help with children, or simply taking time off work to recover.

What injuries are covered for AIA Living Accidental Injury Cover?

We understand that injuries can have varying recovery periods which may have different impact on your client's life, so we have created specified injury categories that offer varying amounts of cover to support them through their recovery. Refer to the following page for a summary of the specified injuries covered.

We are evolving our products to meet your client's needs. If your client adds Accidental Injury Cover to their AIA Living insurance from 26 April 2024, we will automatically switch them to our new Specified Accidental Injury Cover product upon its launch. AIA Living Specified Accidental Injury Cover will provide exactly the same coverage as their AIA Living Accidental Injury Cover - with the addition of some extra claimable injury categories and an increase in payment amount for one injury category.

Key benefits for your clients

  • Helps fill in gaps where ACC might not be able to cover your client, or where larger insurance claims might not be triggered. Even if they do receive these other claim payments, they are still eligible to submit an Accidental Injury Cover claim as well.

  • Choose how they use their lump sum payment. Whether that's to work fewer hours, take time off work all together, or get some help to keep completing their daily tasks.

  • No need for proof of income. If a carer or parent at home is injured it can affect their ability to fulfil daily tasks, which in turn affects the whole household financially.

Specified injury categories

The table below outlines the specified injury categories and the amount we will pay for each injury.

What we will pay in lump sum
Category A
Fracture of forearm, wrist
Fracture of hand (excluding fingers)
Fracture of thumb
Fracture of ankle, heel, fracture of leg below the knee (tibia or fibula)
Fracture of foot (excluding toes)
Fracture of big toe
Amputation of any finger (including thumb) or big toe
One times the monthly benefit amount
Category B
Fracture of upper arm, elbow, shoulder
Fracture of kneecap
Injury that results in a tear of the shoulder or knee that results in surgery under general anaesthesia
Two times the monthly benefit amount
Category C
Fracture of leg above the knee (femur)
Three times the monthly benefit amount
Category D
Amputation of the thumb and index finger of the same hand
Three times the monthly benefit amount
Category E
Amputation or Permanent total loss of function of a foot or hand
Amputation or permanent total loss of function of one or more limbs
Permanent total paralysis
Permanent total blindness
Permanent total loss of hearing
Twelve times the monthly benefit amount

This product is not available with Private Health, Private Health Plus and Start-Up Income Protection.
Please refer to the policy document at aia.co.nz/aic.