What’s included with AIA Living Trauma Insurance:
Critical Conditions
Progressive Care
Three months to 70 years old
Three months to 70 years old
Eligible age in years (inclusive)
Age three months -15: $250,000 Age 16+: $2,000,000
Age three months -15: $250,000 Age 16+: $1,500,000 Covers a wide range of medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of function, and Other Health Events. Save up to 15% on your premiums when you buy multiple eligible insurance policies.
Cover amount
Covers a wide range of defined medical conditions for a full or partial payment.
Cover includes
Save up to 15% on your premiums when you buy multiple eligible insurance policies.
Multi-Benefit Discount Start saving when you take out life insurance and at least one other eligible insurance product. T&Cs apply.
Can be added for $11.50 per month (16+)
Can be added for $11.50 per month (16+)
Eligibility
Receive a 10% discount in your first year, then you’re in control of the discount you receive.
Receive a 10% discount in your first year, then you’re in control of the discount you receive.
AIA Vitality Premium Discount Premium Flex rewards you with a discount on your insurance. The more engaged you are, the higher the discount. Conditions apply. Built-in Benefits Return home Covers the cost for you and a support person to return to New Zealand if you suffer a critical condition for the first time while you are overseas. Medical advancements provision At claim time we’ll consider the latest recognised diagnostic techniques and investigations used to assess your covered medical conditions. Severe illness or injury Protection if you suffer a serious medical condition that isn’t specified in the policy wording but meets our definition of severe illness or injury. Financial and legal advice Covers costs to help you access advice from an AIA 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. Special events increase facility You can increase the sum assured without further medical underwriting following one of the significant events mentioned in the policy. Counselling 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 Cover for your children aged from three months old up to their 21st birthday.
Up to $10,000
Up to $10,000
Up to $2,500
Up to $2,500
Up to $2,500
Up to $2,500
The lower of $50,000 or 50% of the sum assured
The lower of $50,000 or 50% of the sum assured
Trauma Insurance
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