At AIA New Zealand, we’re committed to helping New Zealanders live Healthier, Longer, Better Lives. To achieve this, we are guided by our operating philosophy of Doing the Right Thing, in the Right Way, with the Right People, and the Right Results will come.
AIA NZ CLAIMS COMPASS #3 Helping people live Healthier, Longer, Better Lives
OVER 789K NEW ZEALANDERS PROTECTED
WE ACCEPTED 91% OF ALL CLAIMS RECEIVED
LIFE INSURANCE ACCOUNTED FOR 36% OF ALL CLAIMS PAID
Summary and core insights
WE PAID $790M TOTAL IN CLAIMS 1
CANCER 43%
LIFE $257.73m CLAIMS PAID
HEART 16%
$177.31M PAID IN HEALTH CLAIMS
NEUROLOGICAL 11%
RESPIRATORY 7%
CLAIMS FOR YEAR ENDED 31 DECEMBER 2025
MUSCULO SKELETAL 22%
HEALTH $177.31m CLAIMS PAID
CANCER 20%
Age insights
DIGESTIVE 12%
BELOW 20
$11M+
HEART 10%
20 – 29
$22M+
CANCER 53%
TRAUMA $142.45m CLAIMS PAID
30 - 39
$80M+
HEART 19%
40 - 49
$148M+
NEUROLOGICAL 12%
MUSCULO SKELETAL 7%
50 - 59
$221M+
60 - 69
$147M+
MUSCULO SKELETAL 31%
INCOME PROTECTION $108.69m CLAIMS PAID TOTAL PERMANENT DISABLEMENT
70+
$72M+
MENTAL HEALTH 23%
NEUROLOGICAL 15%
TOTAL 2025 CLAIMS PAID TO AGE GROUPS
CANCER 12%
Gender insights
MUSCULO SKELETAL 27%
FEMALE
$287.8M+
NEUROLOGICAL 24%
MALE
$416.6M+
CANCER 22%
$21.35m CLAIMS PAID
TOTAL 2025 CLAIMS PAID TO GENDER GROUPS
MENTAL HEALTH 7%
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SPOTLIGHT: HEART CLAIMS
Top AIA NZ Heart claims
Heart claims age & gender insights
BELOW 20 20 – 29 30 - 39 40 - 49 50 - 59 60 - 69
70+
TOTAL
FEMALE $77K+ $352K+ $1.9M+ $3M+ $6.2M+ $3.7M+ $3.3M+
$18.7M+
MALE
$95K+ $191K+ $5.2M+ $15.4M+ $24.8M+ $18.4M+ 10.6M+
$74.8M+
TOTAL
$172K+ $543K+ $7.1M+ $18.4M+ $31M+ $22.1M+ 13.9M+
$93.5M+
TOTAL 2025 HEART CLAIMS PAID TO AGE & GENDER GROUPS
According to the New Zealand Heart Foundation, every 90 minutes, heart disease takes the life of a loved one in New Zealand. 2 That’s almost 7,000 mums, dads, siblings, and grandparents – many of them lost far too soon. Heart disease has been identified as one of the five major non-communicable diseases, including cancer, diabetes, respiratory disease and poor mental health, that cause over 90% of deaths in Aotearoa New Zealand, as unpacked in our AIA 5590+ report. Heart disease can affect anyone, anywhere, at any time. Our 2025 claims data reveals male customers aged between 40 and 69 are most affected by heart disease. Men are significantly more impacted by heart disease than women. All medical claims costs are outpacing CPI inflation, but heart claims face some of the steepest increases. Treatment types such as scans, procedures and hospital stays are notably more expensive for heart-related conditions. 3
1 Includes GST, maturities & surrenders of $82.3M. 2 New Zealand Health Survey. 3 AIA NZ Claims data, 2025.
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Support when you need it most
The New Zealand Heart Foundation is leading the fight against our country’s single biggest killer – heart disease. With over 195,000 New Zealanders currently living with heart disease, we support the Heart Foundation’s proactive approach to heart health. Our partnership with the Heart Foundation offers our AIA Vitality members and employees the opportunity to engage, be inspired and help raise funds for heart health research in Aotearoa New Zealand.
A story of hope Jason Gunn, Kiwi entertainment icon and AIA Vitality ambassador has first-hand experience with heart disease.
In 2017 he suffered a heart attack. Learn more about his story here.
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