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Specified 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.

If your client has an accident and suffer one of the covered injuries, Specified 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 products can your clients add Specified Accidental Injury Cover to?

Your clients can add Specified Accidental Injury Cover to eligible Life, Trauma, Income Protection and Total Permanent Disablement insurance including our AIA Living range, subject to minimum cover amounts. It cannot be added to Starter Plans or AIA Health products.

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.

Key benefits for your clients

  • Provides additional financial support on top of ACC should your client experience a covered injury, so they can focus on recovery.

  • 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.

Specified Injury Categories
What we will pay in lump sum
Category A
Fracture of jaw, skull, collarbone
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
Fracture of 3 or more ribs
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 vertebrae
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)
Fracture of the pelvis
Fracture of the hip
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
Full thickness burns (excluding hands) to 20% or more of the body surface
Full thickness burns to 25% of the face or 50% of the surface of both hands
Permanent total blindness in one eye
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.