Life Cover
Cover for Life
Family Protection
Accidental Death
Special Events Total Permanent Disablement / Trauma Facility At the time of a special event, you can apply to add a limited amount of ‘accelerated’ Critical Conditions cover, ‘accelerated’
Progressive Care or ‘accelerated’ Total Permanent Disablement cover to your AIA Living Life Cover.
Premium Conversion Facility Before reaching the age of 65 years, you have the option to convert all or part of your sum assured to a level premium structure without further medical underwriting. Counselling Financial support of up to $2,500 to cover the cost of a Psychiatrist or Psychologist consultation and/or counselling for you and/or your family where the treatment directly relates to a claim. Suspension of Cover AIA provides the flexibility to suspend your cover for up to 12 months, if you meet the conditions outlined in the policy wording. No benefits will be payable for any claim event which occurs during this suspension period. Worldwide Cover Whether you are at home, travelling or living overseas for any period, you remain insured. Enhancement Pass Back At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy wording and apply the most favourable option for your claim. For more information visit aia.co.nz/passbacks
Optional add-ons
Specified Accidental Injury Cover Short term financial support, helping you continue daily life while recovering from an accident Specialist and Testing Support Covers the cost of private specialist consultations (up to $10,000 annually) and medical diagnostic tests and procedures (up to $100,000 annually) so you can access these services when you need to without worrying about the bills. Future Insurability You can apply to increase your sum assured at every third policy anniversary without providing any further medical information. Limits and conditions apply and every increase in cover will result in an increase in premium. Waiver of Premium Remove the burden of paying premiums when you are unable to work due to total disability.
This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.
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