AIA Living Trauma Insurance

AIA Living Trauma insurance protects you and your loved ones to get you back on your feet after a serious illness or injury.

TRAUMA INSURANCE

Our AIA Living Trauma insurance options 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. 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. 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. 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.

What is trauma insurance and why do you need it?

Trauma insurance helps keep you on track so you can live life to the full, no matter what life throws at you. It is designed to pay you a lump sum to manage the financial impact if you or one of your children were to face serious illness or injury, like taking care of medical treatment and rehabilitation costs, or simply allowing you and your family to focus on recovery instead of worrying about work. Unfortunately, experiencing a trauma such as serious illness or injury at least once in your life is more common than you might think. New Zealanders are increasingly surviving illnesses that previously have been terminal. Key benefits of our trauma insurance • Gives you tailored financial protection for a range of medical conditions, with different cover options based on severity, so you can choose what best fits your needs and circumstances. • Support for your whole family with cover for children aged 3 months to 21 years, helping ease the financial burden if your child faces a serious illness or injury. • Receive a lump sum to use where it’s needed most, whether it’s covering your mortgage, funding treatment and rehab, managing everyday expenses or bridging lost income. • Whether you are at home, travelling or living overseas for any period, you remain insured with worldwide cover.

AIA Vitality is our personalised, science-backed health and wellbeing programme that supports you every day to make healthier lifestyle choices. It takes you on a journey to better health - where you get to know your health, improve it, and enjoy the rewards for doing so. Add AIA Vitality when you purchase trauma insurance to receive: • an initial 10% premium discount* on your first year’s premium • earn up to $560 in vouchers or Airpoints Dollars TM per membership year • exclusive rewards and discounts from our partners.

Add AIA Vitality to your trauma insurance for $11.50 per month. *T&Cs apply.

aia.co.nz/trauma

Built-in Benefits with AIA Living Trauma Insurance

Return home Provides up to $10,000 to cover the cost for you and a support person to return to New Zealand if you’re diagnosed with a defined medical condition for the first time while overseas. Medical advancements provision At claim time we’ll consider the latest recognised diagnostic techniques and investigations used to assess your covered medical conditions. Financial and legal advice Provides up to $2,500 to help you access advice from an approved financial adviser or legal professional. Standalone conversion facility You may convert your standalone trauma insurance to accelerated with an equal amount of Life Cover without any further medical evidence. 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 any further medical underwriting. Future insurability You can apply to increase your Trauma 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. Counselling Access up to $2,500 of financial support to cover the cost of a Psychiatrist or Psychologist consultation and counselling for you and/or your family where the treatment directly relates to a claim. Children’s trauma Provides cover for your children from three months old up to their 21st birthday. The benefit is the lower of $50,000 or 50% of your sum assured. Parents grieving Offers financial support if your child passes away - $2,000 for children aged under 10, and $15,000 for those aged 10–21.

Worldwide cover Whether you’re at home, travelling or living overseas for any period, you remain insured. 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. 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 Children’s trauma conversion facility When your child turns 21, the Built-in Children’s Trauma Benefit and/or Optional Children’s and Maternity Benefit (where applicable), can be converted to an adult trauma insurance policy. This can be done on a standalone basis or accelerated with the same amount of Life Cover, without any further medical evidence required, provided there is no increase in cover. Special events increase facility You can increase the sum assured without further medical underwriting following one of the significant events mentioned in the policy.

Newborn children

Financial support if your child is born with one of eight specific congenital conditions and survives 30 days. The lower of $50,000 or 50% of the sum assured. Not available with Severe Trauma.

This is a summary only. For all terms, conditions, limits and exclusions, please refer to the relevant policy wordings which can be found on aia.co.nz or speak to your Adviser.

Trauma Insurance

Optional benefits

Critical Conditions Progressive Care

Severe Trauma

Early cancer upgrade Covers costs for a number of minor cancer conditions that are treatable and non-life threatening and at the early stages of a diagnosis. One claim of a maximum of $75,000 or 25% of the sum assured across all AIA policies. Critical Conditions / Severe Trauma buy-back Reinstate your level of cover under your original AIA Living Critical Conditions / Severe Trauma policy, without having to provide further medical information. Life cover buy-back Reinstate your level of cover under your original AIA Living Life Cover policy following an accelerated Critical Conditions / accelerated Severe Trauma claim, without having to provide further medical information. Total permanent disablement condition Include an additional claimable condition that provides cover if you were to become permanently disabled and are unable to work as a result of accident or illness. This applies to own occupation cover only. Children’s and maternity Provides limited cover for three defined serious pregnancy complications, eight children’s congenital conditions and other eligible conditions. One claim per child to maximum of $75,000 or 50% of the sum assured across all AIA policies for a life assured.

Additional optional add-ons

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. Specified Accidental Injury Cover Short term financial support, helping you continue daily life while recovering from an accident. 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 refer to the relevant policy wordings which can be found on aia.co.nz or speak to your Adviser.

Critical Conditions Our most comprehensive trauma cover, designed to support you through a wide range of serious medical events. It provides full or partial lump sum payments, helping you manage costs like treatment, recovery or everyday expenses so you can focus on recovery.

Eligible ages

Three months - 70 years old

Maximum cover amount

Age three months – 15 years: $250,000, Age 16+ : $2,000,000

What conditions are covered? The below table provides a high-level overview of conditions covered.

*Certain conditions have a stand down period. There is no cover under the policy if you suffer any of these conditions (or signs or symptoms which lead to these conditions) within the first 90 days of the receipt of application by AIA. For details of each condition please refer to the policy wording or speak to your Adviser.

Medical condition

Full Payment Partial Payment

Advanced AIDS Advanced diabetes* Alzheimer’s disease Angioplasty – 3 vessels or more*

Major transplant surgery Malignant tumours and blood cancers* Meningitis Motor neurone disease Multiple sclerosis* Muscular dystrophy Optional Total Permanent Disablement condition Out-of-hospital cardiac arrest Pacemaker Insertion* Paraplegia

Angioplasty – less than 3 vessels*

Aortic surgery* Aplastic anaemia

Benign brain or spinal cord tumour Cardiac Defibrillator Insertion* Carcinoma-in-situ* Carcinoma-in-situ radical surgery* Cardiomyopathy Cerebral Aneurysm* Chronic liver failure* Chronic lung disease* Chronic renal failure Cognitive Impairment Coma Coronary artery bypass surgery* Creutzfeldt-Jakob disease Dementia Diplegia Encephalitis Heart attack* Heart valve surgery* Hemiplegia Idiopathic Parkinson’s disease Intensive care benefit Loss of independent existence Major head trauma

Peripheral neuropathy Permanent blindness*

Permanent loss of hearing Permanent loss of speech Permanent loss of use of limbs

Pneumonectomy Prostate cancer*

Pulmonary hypertension Quadriplegia/Tetraplegia Severe burns

Severe Crohn's disease* Severe illness or injury* Severe osteoporosis* Severe rheumatoid arthritis* Severe ulcerative colitis* Stroke* Systemic Lupus - Erythematosus

with lupus nephritis Systemic Sclerosis Terminal illness

Trauma Insurance

Severe Trauma Offers essential protection for serious health events. It’s ideal if you’re looking for affordable cover focused on higher severity conditions. There are no partial payments in Severe Trauma.

Eligible ages

Three months - 70 years old

Maximum cover amount

Age three months – 15 years: $250,000, Age 16+: $2,000,000

What conditions are covered? The below table provides a high-level overview of conditions covered.

* Certain conditions have a stand down period. There is no cover under the policy if you suffer any of these conditions (or signs or symptoms which lead to these conditions) within the first 90 days of the receipt of application by AIA. For details of each condition please refer to the policy wording or speak to your Adviser.

Medical condition

Optional total permanent disablement condition

Advanced AIDS

Diplegia

Advanced diabetes*

Encephalitis

Paraplegia

Alzheimer’s disease

Heart attack*

Peripheral neuropathy

Aplastic anaemia

Hemiplegia

Permanent blindness*

Cancer*

Idiopathic Parkinson’s disease

Permanent loss of hearing

Cardiomyopathy

Intensive care benefit

Permanent loss of speech

Permanent loss of use of limbs (including sight)

Chronic liver failure*

Loss of independent existence

Chronic lung disease*

Major head trauma

Primary pulmonary hypertension

Chronic renal failure

Major transplant surgery

Quadriplegia/Tetraplegia

Cognitive impairment

Meningitis

Severe burns

Coma

Motor neurone disease

Stroke*

Creutzfeldt-Jakob disease

Multiple sclerosis*

Systemic sclerosis

Dementia

Muscular dystrophy

Terminal illness

How Critical Conditions and Severe Trauma insurance can work together

Mary’s claim journey

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.

Mary holds both Critical Conditions and Severe Trauma insurance. She is diagnosed with breast cancer. Her claim is accepted and she receives a partial claim payment under the Carcinoma-in-situ benefit on her Critical Conditions policy. Weeks later and following her specialist’s advice, Mary underwent a full mastectomy. This qualified her for an additional payment under Critical Conditions under the Carcinoma-in-situ radical surgery benefit, bringing her total payout to the full sum assured. Later, her cancer progresses and metastasizes. When no further treatment is an option, Mary received a further full claim payment under the cancer definition under the Severe Trauma benefit, providing her with financial support during an extremely difficult time.

Progressive Care Progressive Care cover can help provide multiple payments linked to the severity of the illness or injury, with more severe conditions receiving a larger payment. Progressive Care is designed to support you when you need it most, not just once.

Maximum cover amount

Three months - 70 years old

Eligible ages

Age three months – 15 years: $250,000, Age 16+: $1,500,000

What conditions are covered? Below is a table that details how each level pays out across the five categories depending on the level of severity.

CANCER

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

100%

75%

50%

25% 10%

25%

CANCER Bone marrow or stem cell transplant CIN-3, VIN-3, PIN-3 Malignant brain tumour Myeloma 90 day stand down period* Aplastic anaemia Benign brain or spinal cord tumour Carcinoma in situ Hodgkin's Lymphoma Leukaemia Malignant melanoma Malignant tumour Myelodysplastic syndrome Non-Hodgkin's Lymphoma Prostate cancer Transplant waiting list for bone marrow transplant Urinary bladder cancer

OTHER HEALTH EVENTS Acute renal dialysis Advanced AIDS Advanced Type 1 diabetes Major organ transplant (or transplant waiting list) Pneumonectomy Primary pulmonary hypertension Systemic lupus erythematosus with lupus nephritis Systemic sclerosis

BRAIN AND NERVES Dementia and Alzheimer's disease Encephalitis Major head trauma Meningitis Motor neurone disease

Muscular dystrophy Parkinson's disease Peripheral neuropathy 90 day stand down period*

Cerebral aneurysm Multiple sclerosis Stroke

90 day stand down period* Advanced Type 2 diabetes Chronic kidney failure

Chronic liver failure Chronic lung failure Chronic obstructive pulmonary disease

LOSS OF FUNCTION Coma Intensive care benefit Loss of hearing Loss of independent existence Loss of limbs Loss of sight in one eye and one limb Loss of speech Optional Total Permanent Disablement condition Paralysis - Diplegia and Hemiplegia Paraplegia/Quadriplegia/Tetraplegia

Removal of large bowel Severe Crohn's disease Severe illness or injury Severe osteoporosis Severe rheumatoid arthritis Severe ulcerative colitis Type 1 diabetes

HEART AND ARTERIES Cardiomyopathy Out of hospital cardiac arrest

Severe congestive cardiac failure Severe peripheral vascular disease 90 day stand down period* Angioplasty Aortic surgery Coronary artery bypass graft Defibrillator insertion Heart attack Heart valve surgery Minor heart valve surgery Pacemaker insertion

Severe burns/Major burns 90 day stand down period* Loss of sight

Trauma Insurance

How you can save on insurance with AIA Vitality When you sign up to AIA Vitality you receive an initial 10% premium discount on your eligible insurance policies. Then you’re in control of the discount you can receive through ongoing engagement with the AIA Vitality programme. After the initial discount period (first year of membership), your AIA Vitality Discount will be determined annually based on your current AIA Vitality Status level on your policy anniversary.

Example: Your AIA Vitality year 1 discount is 10% (the initial discount)

AIA Vitality Status achieved

Premium flex

If you reach Platinum, your year 2 DISCOUNT WILL BE 12%

+2.0% p.a. up to maximum of 20%

PLATINUM 30,000 pts

If you reach Gold, your year 2 DISCOUNT WILL BE 10%

GOLD 20,000 pts

Retain current discount

If you reach Silver, your year 2 DISCOUNT WILL BE 9%

-1% p.a. to a minimum of 0%

SILVER 10,000 pts

If you retain Bronze, your year 2 DISCOUNT WILL BE 8%

-2.0% p.a. to a minimum of 0%

BRONZE 0 pts

For more details on Premium Flex, refer to aia.co.nz/premium-flex

How AIA Vitality Works

Add AIA Vitality to your AIA Insurance To join AIA Vitality and start thriving, add it to any eligible life, trauma, disability, income protection or health insurance. Download the app Download the app via Google Play or Apple App Store and sign-up for your AIA Vitality membership.

Level up your Status Link a compatible fitness device or app and start moving to earn AIA Vitality Points.

Scan the QR code to experience a year with AIA Vitality using our interactive simulator.

Enjoy the rewards Get instant access to great discounts from sports apparel and movie tickets to gym memberships. Plus earn weekly rewards for being active.

How multiple conditions are covered under Progressive Care When your policy begins, the amount of cover in each of the five categories is the same. As you claim for a condition, the amount reduces only for that category. The strength of Progressive Care means after you make an initial claim (First Claim), you could then make future claims if your condition becomes worse or you suffer from a more severe related condition (Related Claim), or if you suffer from an unrelated condition (Unrelated Claim). First claim If a claim is paid under a specific category, the insurance remaining within that category decreases by the claim payment amount. If you receive a 100% claim payment, the insurance for that particular category is exhausted. However, the amount of cover for all other categories remains unaffected.

For example, if you are diagnosed with malignant melanoma that meets the criteria for Severity Level 4, you’ll receive a payment of 25% under the Cancer Category and the sum assured for that category will reduce by the amount paid. The sum assured for other categories continues at 100%.

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

25%

L4 SEVERITY

75% left

100% left

Related claims If your medical condition worsens or you suffer from a related medical condition, you could claim again. The severity level must be higher than the preceding related claim. In these cases, the claim payment is based on increase in the severity*.

For example, if your condition worsens and the melanoma progresses to metastatic skin cancer that meets the criteria for Severity Level 1, it will be treated as a related claim and you’ll receive a 75% claim payment being the balance remaining under the Cancer Category. *Subject to cover being available within the category.

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

25%

75% L1 SEVERITY

0% left

100% left

Unrelated claims When you suffer a medical condition unrelated to previous claims.

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

For example, a year later you suffer a stroke that meets the criteria for Severity Level 4. As the stroke is unrelated to cancer, you could claim again and receive a 25% claim payment under the Brain and Nerves Category.

CANCER

25%

L4 SEVERITY

0% left

100% left

75% left

100% left

Trauma Insurance

How Progressive Care and Critical Conditions work together to offer increased financial support

Tom has $200,000 of trauma insurance made up of $100,000 Progressive Care and $100,000 Critical Conditions. Tom added the Optional Critical Conditions Buyback benefit to his policy at application.

Tom’s claim journey

First claim Tom suffers a severity level 3 heart attack. He receives a 50% claim payment under his Progressive Care and full claim payment from his Critical Conditions.

PROGRESSIVE CARE

CRITICAL CONDITIONS with Optional Critical Conditions Buyback

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

$50,000

$100,000 lump sum payment

$100,000

Tom’s Critical Conditions is then reinstated. It now has an exclusion for heart attacks.

i.e. $100,000 less a claim payment of $50,000 ($100,000 x 50%)

His total claim is $150,000

Unrelated claim Unfortunately, 5 years later Tom suffers from cancer at severity level 1. He receives a 100% claim payment from Progressive Care and full claim payment from Critical Conditions. His total claim is $200,000.

PROGRESSIVE CARE

CRITICAL CONDITIONS with Optional Critical Conditions Buyback

HEART AND ARTERIES

BRAIN AND NERVES

LOSS OF FUNCTION

OTHER HEALTH EVENTS

CANCER

$50,000

$100,000 lump sum payment

$100,000

His total claim is $200,000

We’re here to make a difference, our claims philosophy Life doesn’t always go to plan; at AIA we want to be there when you need us the most. Our extensive claims data not only provides us with valuable insights into population health, but it signals where further support is needed to reduce the burden on New Zealand’s health system. Our vision is for New Zealand to become one of the healthiest and best protected in the world. We know making a claim is often a result of a difficult time when you need us the most. With one of the largest and most experienced claims teams in New Zealand, nationwide rehabilitation support and a transparent claims review process, we ensure your claims experience is excellent, fair and fast.

AIA latest annual claims by the numbers 1

WE PAID $829.6M IN CLAIMS 2 . WE ACCEPTED 92% OF ALL CLAIMS RECEIVED. 797K OVER KIWIS PROTECTED.

1 TREE PLANTED IN MEMORY OF EVERY AIA LIFE INSURANCE CUSTOMER WHO PASSED AWAY. SINCE 2022, WE HAVE PLANTED 9,932 TREES.

ONE OF THE LARGEST CLAIMS TEAMS IN NEW ZEALAND.

1. As reported by the AIA Business Insights team. 2. Including GST, maturities and surrenders.

Trauma Insurance

Total trauma claims paid in 2024 $139.5M

CANCER 59%

HEART 16%

NEUROLOGICAL 11%

MUSCULO SKELETAL 8%

CLAIMS BY AGE GROUP

20-29 $3.28M CLAIMS PAID

30-39 $23.56M CLAIMS PAID

40-49 $39.67M CLAIMS PAID

50-59 $49.19M CLAIMS PAID

60-69 $22.07M CLAIMS PAID

70+ $1.41M CLAIMS PAID

$1.73M Musculo Skeletal

$12.59M Cancer

$20.84M Cancer

$31.21M Cancer

$13.28M Cancer

Neurological

$481K

$971K Cancer

$3.67M Musculo Skeletal

$5.87M Heart

$9.58M Heart

$3.54M Heart

Cancer $373K

$172K Neurological

Neurological $1.92M

$5.25M Neurological

$5.07M Neurological

$1.76M Neurological

$284K Heart

$1.55M Heart

Musculo Skeletal

Respiratory $1.09M

$3.31M

$1.25M

Save on your insurance with Multi-Benefit Discount Insurance is an important part of setting yourself up financially, protecting you and your family’s health, wealth, and wellbeing. We know you have everyday expenses to manage, so we’ll do what we can to help you out. How Multi-Benefit Discount works Start saving when you insure yourself with life cover and at least one other benefit from the optional categories below. At least one of your benefits must be from the AIA Living range and these will be the only benefits that receive the discount. Minimum cover amounts apply. Minimum cover amounts Benefits that count towards eligibility

Life Cover Family Protection* Accidental Death Critical Conditions Progressive Care Severe Trauma

Life Insurance

$100,000

Compulsory category

Trauma Insurance

$75,000

Total Permanent Disablement Optional TPD Condition Start-Up Income Protection Income Protection Mortgage, Income or Rent Cover Business Continuity Rural Continuity Business Income Support

Total Permanent Disablement Insurance

$75,000

Optional categories (excludes Health Insurance)

Income Protection Insurance

$2,000 per month

* Converted to a lump sum amount taking into account the entire benefit term

Discount tiers If you are eligible for Multi-Benefit Discount, the discount will be calculated based on the different optional categories you have benefits from, as follows:

Discount received

10%

One optional category

10%

One optional category

Life Insurance (compulsory category) Choose from Life Cover, family protection or accidental death cover.

12.5%

Two optional categories

12.5%

Two optional categories

Three optional categories or more

15%

Already have existing policies with us? When you take out new cover with AIA, we’ll take into consideration any existing cover you already have with us, to see if you qualify for Multi-Benefit Discount. If you’re eligible for a discount, this will only be applied to your benefits from the AIA Living range.

Trauma Insurance

How Multi-Benefit Discount applies to specific Optional Benefits The below AIA Living optional benefits do not count towards your eligibility to trigger Multi-Benefit Discount. However, once you qualify for Multi-Benefit Discount you will also receive the discount on these optional benefits.

• Waiver of Premium

• Early Cancer Upgrade

• Income Protection Premier Cover

• Specified Accidental Injury Cover

• Redundancy Cover

• Children’s and Maternity

• Retirement Protection

• Future Insurability

• Critical Conditions Buyback

• Life Buyback

• Business Safeguard

• Specialist and Testing Support

Multi-Benefit Discount examples

Example 1 Phil has $200K of TotalCareMax (TCM) Life cover and $100K of TCM Critical Conditions cover. Phil does not qualify for Multi-Benefit Discount (MBD) as he does not have any benefits from the AIA Living range. Phil takes out AIA Living Income Protection Cover (IP) of $3,000 per month. Phil now qualifies for a 12.5% discount as he has Life + 2 optional categories. However, MBD will only apply to his IP benefit as that is the only benefit from the AIA Living range.

Does Phil have life cover?

Does Phil have a benefit from any of the optional categories that count towards MBD eligibility?

Which of Phil’s benefits will receive the MBD?

Discount

TotalCareMax Life Cover TotalCareMax Critical Conditions AIA Living Income Protection

TotalCareMax Critical Conditions AIA Living Income Protection

Life + 2 eligible optional benefit categories = 12.5% OFF AIA LIVING IP POLICY

TotalCareMax Life Cover

Example 2 Jane has $500K of AIA Living Life cover and $5,000 per month of Specified Accidental Injury Cover (SAIC). She does not qualify for MBD as SAIC is not an eligible optional benefit that qualifies for MBD discount. She subsequently takes out $100K of AIA Living Critical Conditions cover. Jane now qualifies for a 10% MBD discount (Life + Critical Conditions cover). Jane will also get the 10% discount on her AIA Living SAIC, as while it does not count towards eligibility for MBD, it still receives MBD.

Does Jane have life cover?

Does Jane have a benefit from any of the optional categories that count towards MBD eligibility?

Which of Jane’s benefits will receive the MBD?

Discount

Life + 1 eligible optional benefit category = 10% OFF AIA LIVING LIFE COVER, AIA LIVING SAIC & AIA LIVING CRITICAL CONDITIONS

AIA Living Life Cover

AIA Living Specified Accidental Injury Cover AIA Living Critical Conditions

AIA Living Life Cover

For full terms and conditions visit aia.co.nz/mbd

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Disclaimer

Other things you should know: the availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions and premium loadings may apply. This insurance is underwritten by AIA New Zealand Limited (‘AIA’). For full details of the products and benefits offered by AIA, please refer to the policy document(s) which are available from AIA. The information contained in this publication is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any insurance decision, you should consult a professional Adviser. Copyright © 2025, AIA New Zealand Limited (352806). All rights reserved. The information contained in this document is current at the time of publication and is subject to change at any time.

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