AIA Living Critical Conditions This is our most comprehensive trauma insurance, providing financial support through full or partial lump sum payments for a wide range of defined medical conditions, so you can focus on recovery, not expenses. Plus, with the option to buy back your cover after a claim, you can maintain long-term protection and peace of mind. AIA Living Progressive Care Affordable trauma cover that can provide multiple payments for defined medical conditions based on how serious your condition is; more serious illnesses receive greater financial support. This ensures you’re covered across five key health categories, and even if you’ve received a full payment in one area, you may still be eligible to claim in others. AIA Living Severe Trauma Our most cost-effective trauma cover, designed to support you through life-changing medical events. It focuses on fewer, more severe conditions that have a very significant impact on your day-to-day life. AIA offers one of the most comprehensive trauma insurance ranges in New Zealand, giving you the choice of your level of cover to suit your budget. By combining our trauma products, you can create a personalised protection plan that meets your needs. Whether you’re looking for comprehensive cover, or a cost-effective solution for serious illnesses, our options work together to provide layered protection, so you’re supported for a wide range of conditions.
Understand your cover It’s important to understand that while a medical condition might be covered under multiple products, the definition, severity level and claim requirements can differ between them. Always refer to the specific policy wording to ensure clarity on what’s covered and how.
Keeping up with your success One of the key reasons you might need to take out these insurances as Business rather than Personal is to access our Business Safeguard Facility available with Life, Total Permanent Disablement, Critical Conditions and Severe Trauma cover. With this optional benefit you can support your growing business by applying to increase your sum assured when your financial responsibility in your business increases, without providing any further medical information. This will increase your premium, limits and conditions apply, and every increase in cover will result in an increase in premium.
For more details on what’s included within these products view our brochures at aia.co.nz/our-products For flexibility around your individual situation, these products can all be taken out as Personal or Business.
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Business Insurance
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