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. Find out more.

Find out more about the Health enhancements released on 08 March 2024.

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.