Health insurance

Our health insurance products take care of your client's medical bills and provide them with faster access to medical care that suits their needs. They are available to children from birth, and no underwriting is required within the first three months of life.

Our health insurance options

AIA Private Health

Comprehensive cover designed to cover a broad range of medical conditions, taking care of costs like specialist consultations, diagnostic imaging and testing, hospitalisation and surgery at a time, location and with the medical provider of your client's choice.

AIA Private Health Plus

An optional benefit available with AIA Private Health that clients can choose to upgrade. Benefits include additional cover for specialists and tests, reproductive health and a health screening allowance.


AIA Cancer Care

Specialised insurance that covers costs associated with the diagnosis, treatment and recovery of cancer. This includes access to an unlimited cancer surgery benefit, access to specialist consultations, diagnostic tests and Pharmac and non-Pharmac Medsafe indicated cancer chemotherapy drugs. Click here for more information.

Key benefits for your clients

  • Unlimited Surgery Claims

    Unlimited claim amount for surgeries, both cancer and non-cancer related.

  • Extensive Cancer Cover

    Includes up to $500,000 of extensive cancer cover for every stage: from diagnosis, to treatment and recovery.

  • Flexibility

    Ability to choose their medical providers.

  • Worldwide Treatment

    There are options to have treatments overseas.

  • Public Hospital Credit

    Your client can receive a year's free cover if they have a publically funded procedure done in a public hospital.

  • Mental Health Support

    Covers costs (up to $2,500 including GST per policy year) for counselling related to a surgery or cancer claim.

  • AIA Vitality

    Access to AIA Vitality, our science-backed health and wellbeing program that helps you get more out of life.

  • Future Proof Products

    Access to our Enhancement Pass Back Benefit. Any improvements we make to our AIA products in the future are automatically applied to your client's policy, offering them even more at claim time.

  • Suspension of Cover Benefit

    AIA provide the flexibility to suspend your cover for up to 12 months, without medical evidence if you meet the following conditions:

    • Take parental leave
    • Take leave without pay for any reason
    • Get made redundant
    • Become unemployed
    • Experience at least a 20% reduction in pay
    • If self-employed, experience a 30% reduction in revenue

    No benefits will be payable for any claim event which occurs during this suspension period.


Health Insurance

At a glance

Please note the following tables are a guide only. Please refer to our brochures and policy wordings for further information.
Optional waiver of premium

Yes

Eligible ages minimum

0

Eligible ages maximum

No expiry

Term of cover / Benefit expiry

No expiry

New premium guarantee

1 year

Premium type

Community rating: 0 to 20

Rate for age 21 - 70

Community rating 71+

Excess options

Nil, $250, $500, $750, $1,000, $2,000, $4,000

Private Health Plus excess options

Nil, $250

The information on this page is provided as a sales support tool to be used in conjunction with the appropriate policy wording.
Waiver of premium

No

Eligible ages minimum

0

Eligible ages maximum

70 years, with individual consideration for 70+ years.

Term of cover / Benefit expiry

No expiry

New premium guarantee

1 year

Premium type

Community rating 0 to 20

Rate for age 21 - 70

Community rating 71+

Excess options

Nil

The information on this page is provided as a sales support tool to be used in conjunction with the appropriate policy wording.