AIA Vitality is a science-backed health and wellbeing programme that provides, through our app, the guidance, tools, and rewards to help you get more out of life and start thriving.
At AIA, we’re committed to helping New Zealanders live Healthier, Longer, Better Lives.
That’s why we’re proud to offer AIA Vitality in New Zealand.
aia.co.nz/vitality
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CONTENTS
Welcome to AIA Vitality
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Continue saving with premium flex
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How to earn AIA Vitality points and increase your
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AIA Vitality Status
How you can earn points for getting active
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Want to experience what your first year with
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AIA Vitality could look like?
How to get rewarded with your physical activity
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Apple Watch Benefit vs Active rewards
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Here’s how you could achieve your points
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Benefits and rewards
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Get rewarded for supporting your mental wellbeing
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with AIA Vitality
FAQ’s
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Inspiration to help you Plan, Eat, Move and Think Well
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AIA Vitality Overview
How AIA Vitality works Interested in joining AIA Vitality and finding out more about how it can support you on your health and wellbeing journey? WELCOME TO AIA VITALITY AIA Vitality is a science-backed health and wellbeing programme that provides, through our app, the guidance, tools, and rewards to help you get more out of life and start thriving. AIA Vitality is designed to show you how healthy you are now, provide you with tools to assist in improving your health, and offer amazing rewards and discounts from our partners to keep you motivated along your journey. It all starts with making small changes to your lifestyle that can help reduce the risk of cardiovascular disease and cancer, which cause over 60% of deaths in New Zealand.
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Add AIA Vitality to your eligible AIA insurance policy To join AIA Vitality and start thriving, add it to any eligible life, trauma, disability, income protection or health insurance for $11.50 per month (membership fee includes GST).
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Download the app and sign up to get started Download the AIA Vitality app and click ‘sign up’. Follow the prompts to activate your membership.
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Start earning points to level up your status Earn points to raise your AIA Vitality Status, from Bronze to Silver, through to Gold and Platinum. An easy way to start is by linking a compatible fitness device and start earning Physical Activity Points.
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Opt in to AIA Vitality Active Rewards to earn up to $260 a year Hit your weekly physical activity target, and you can redeem a $5 Active Rewards voucher of your choice each week!
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Enjoy the rewards Get instant access to great discounts; from sports apparel and movie tickets, to gym memberships and spa vouchers. Plus earn weekly rewards for being active!
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CONTINUE SAVING WITH PREMIUM FLEX
When you become an AIA Vitality member you get an initial 10% premium discount on eligible insurance products. Your savings don’t end there, now you’re in control of the premium discount you can continue to receive through ongoing engagement with the AIA Vitality programme. Your premium discount will increase, decrease, or stay the
same annually based on your AIA Vitality Status at policy anniversary. Example of how your AIA Vitality Status impacts your premium flex below:
BRONZE 0 POINTS
SILVER 10,000 POINTS
GOLD 20,000 POINTS
PLATINUM 30,000 POINTS
+2.0% per annum up to a maximum of 20%
-1.0% per annum to a minimum of 0%
-2.0% per annum to a minimum of 0%
PREMIUM FLEX
Retain current discount
Example: Your AIA Vitality year 1 discount is 10% (the initial discount)
If you reach Platinum, your year 2 DISCOUNT WILL BE 12%
If you reach Gold, your year 2 DISCOUNT WILL BE 10%
If you reach Silver, your year 2 DISCOUNT WILL BE 9%
If you retain Bronze, your year 2 DISCOUNT WILL BE 8%
For more details on Premium Flex we recommend you refer to the AIA Vitality Premium Adjustment Rules and speak to your financial adviser for further details on how the AIA Vitality Discount could work for you.
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AIA Vitality Overview
HOW TO EARN AIA VITALITY POINTS AND INCREASE YOUR AIA VITALITY STATUS Getting started is easy. Get to know your health from the comfort of your home by doing our easy online health checks and declarations. From there, get moving and start turning your everyday steps into Physical Activity Points, to reach a higher status level and be rewarded. As you earn points and increase your AIA Vitality Status, you’ll have access to larger rewards.
BRONZE 0 POINTS
SILVER 10,000 POINTS
PLATINUM 30,000 POINTS 35,000 POINTS
GOLD 20,000 POINTS
+25 Airpoints Dollars™
+50 Airpoints Dollars™
+100 Airpoints Dollars™
+125 Airpoints Dollars™
OR
OR
OR
OR
+$25 Woolworths Gift Card
+$50 Woolworths Gift Card
+$100 Woolworths Gift Card
+$125 Woolworths Gift Card
20% discount gift card
30% discount gift card
40% discount gift card
50% discount gift card
WANT TO EXPERIENCE WHAT YOUR FIRST YEAR WITH AIA VITALITY COULD LOOK LIKE? Try out our simulator to see how many points and rewards you could earn in your first year.
Scan the QR code to experience a year with AIA Vitality using our interactive simulator.
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HOW YOU CAN EARN POINTS FOR GETTING ACTIVE As an AIA Vitality member, you can earn up to 15,000 Physical Activity Points each year! By staying active and tracking your physical activity, you’ll not only boost your health but also move closer to your next AIA Vitality Status Level. And with each new status, you earn exciting Status Rewards, choose between Airpoints Dollars™ or Woolworths Gift Cards to treat yourself! Here’s all the ways you can earn Physical Activity Points to contribute to your weekly physical activity targets :
Walk it out Earn 50 points for 7,500 steps or 100 points for 12,500+ steps .
Burn calories Earn 50-100 points for 30–60-minute workouts.
Gym time Earn 100 points at participating gyms.
Heart-pumping activities Earn up to 150 points for 30-60 minutes of exercise that gets your heart rate up.
To support you gradually increasing your physical activity and improving your health, we start your Active Rewards target at 200 Physical Activity Points and dynamically increase or decrease up to 500 points each week, depending on whether you hit your target or not the weeks prior. These targets are designed to guide you towards improving your physical activity, one step at a time, and are aligned with the World Health Organisation’s advice for staying healthy. Once you have successfully linked your compatible device or health app you are ready to start tracking activity. You can earn a maximum of 150 points in one category, per day. If you complete two or more fitness activities in one day, the highest points earning activity will be awarded.
COMPATIBLE DEVICE AND APPS INCLUDE:
Apple Health
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AIA Vitality Overview
HOW TO GET REWARDED WITH YOUR PHYSICAL ACTIVITY Ready to kick-start your journey to better health? Every step, every spin, and every movement can count. Whether you’re walking to work, hitting the gym, or simply staying active, AIA Vitality helps you turn everyday effort into meaningful rewards. From weekly rewards worth up to $260 a year, to the chance to get Apple Watch Series 11 (GPS), we’re here to keep you motivated and moving. Getting started is easy just opt in to Active Rewards or take up the Apple Watch Benefit in the AIA Vitality app and start earning as you go.
CHOOSE YOUR REWARD
GET APPLE WATCH Regularly hit your activity goals and earn your new Apple Watch Series 11 (GPS)*
GET UP TO $260 A YEAR WITH ACTIVE REWARDS Hit your physical activity target each week and choose from a range of our partners
OR
How to get up to $260 in Active Rewards Whether it’s a voucher, Airpoints Dollars™, or a donation to a cause you care about—you’ll earn $5 every time you hit your goals. Choose Active Rewards and turn your healthy habits into weekly wins. Hit your weekly physical activity target and redeem a $5 Active Reward voucher of your choice!
A $5 voucher of your choice for the following:
A $5 donation to either:
OR
OR
5 Airpoints Dollars™ loaded into your Airpoints™ account
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How to get an Apple Watch At AIA Vitality, we’re committed to helping you live a healthier, more active life and rewarding you for it. That’s why we offer the Apple Watch Benefit, a smart way to stay motivated and track your progress. With the Apple Watch Benefit, hit your activity goals and earn your new Apple Watch Series 11 (GPS)*. By meeting your weekly physical activity targets over 24 months, you can reduce your monthly repayments to $0. It’s a simple, motivating way to track your fitness, stay engaged, and achieve your health goals while being rewarded every step of the way.
AIA Vitality will then provide you with an Apple Store Gift Card code*** in your AIA Vitality app to purchase your Apple Watch Series 11 (GPS) Aluminium 42-mm through the Apple New Zealand Store.
Apply for your loan with Financed by Glow*. Once your loan is approved, pay your $125 initial deposit to Glow**.
Simply activate the Apple Watch Benefit in the app
Achieve weekly physical activity targets and earn Apple Watch Benefit Rewards. At the end of each month, AIA Vitality pays the total Apple Watch Benefit Rewards you’ve earned directly to Glow as a co-contribution to your Loan.
Link your Apple Watch to the AIA Vitality app to start tracking. Head to the “Accounts” section in your AIA Vitality iPhone app and then select “Connected apps and devices” to connect to your new Apple Watch.
What are Apple Watch Benefit Rewards? Apple Watch Benefit Rewards are the weekly rewards you earn by meeting your physical activity targets set in the AIA Vitality app. Each week you hit your physical activity target in the AIA Vitality app; you earn an Apple Watch Benefit Reward that goes toward paying off your Apple Watch Benefit loan with Glow.
Apple Watch Benefit Rewards earned each month
You pay
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$0
If you miss a weekly target and don’t earn that week’s Apple Watch Benefit Reward, you’ll need to pay the part of the loan repayment that isn’t covered. Depending on how many of these you miss, you may have to pay up to $26, which is the full monthly loan repayment.
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$11
2
$16
1
$21
0
$26
* The Apple Watch Benefit (“AWB”) is available as part of the AIA Vitality Programme. AIA Vitality have partnered with Financed by Glow (“Glow”) offering a twenty-four (24) month, interest free loan product to the value of NZD $749 (“Loan”). If you meet Glow’s eligibility criteria for Loan approval, you will enter into a Loan Agreement directly with Glow and pay an initial deposit to Glow of $125. Then AIA Vitality will issue you with an Apple Store Gift Card code to purchase your Apple Watch. You can achieve weekly physical activity targets and earn Apple Watch Benefit Rewards. At the end of each month, AIA Vitality pays the total Apple Watch Benefit Rewards you’ve earned directly to Glow as a co-contribution to your Loan. This reduces the amount you need to repay on your Loan for that month. You remain responsible for your Loan with Glow and will be liable to make any repayments where you have missed your weekly activity target and not earned your Apple Watch Benefit Reward. T&Cs apply. View here Glow Financial Services (New Zealand) Limited, NZBN 9429053084422, trading as Financed by Glow, is the creditor in this arrangement and a registered financial service provider under FSP1010763 authorised to provide consumer credit. Eligibility criteria and T&Cs apply. ** The loan, including the deposit, is not refundable. Please see Glow FAQs for more information *** Apple is not a participant in or sponsor of this promotion. Apple Watch® is a registered trademark of Apple Inc. All rights reserved. Apple Watch Series 11 requires iPhone 11 or later with iOS 26 or later. Bands are subject to availability. The Apple Store Gift Card code is for the amount to purchase an Apple Watch Series 11 (GPS) Aluminium 42-mm. If you choose to add Cellular or the Ultra models, or add accessories to the same purchase, you will need to pay the difference using your own payment method.
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AIA Vitality Overview
Earn AIA Vitality Points and get rewarded!
HERE’S HOW YOU COULD ACHIEVE YOUR POINTS Each journey is different, as you can earn points in so many ways – here is an example of how you could reach Silver and beyond.
UP TO 2 , 250 POINTS
1 , 000 POINTS
500 POINTS
20 MINS
1 MIN
Choose your path with the point-earning activities that suit you
Complete the online AIA Vitality Age Assessment.
Complete the quick online Non-Smoker’s Declaration.
Complete the online Skin Self-examination.
UP TO 10 , 000 POINTS
10,000 POINTS
30 MIN
REWARD
Visit a participating Life or Unichem Pharmacy, to complete the free AIA Vitality Health Check. As an AIA Vitality member, you receive one free AIA Vitality Health Check each membership year. In 30 minutes or less you will get your body
Congratulations! If you’ve completed all of the above and achieved maximum points, you will have reached AIA Vitality Silver status – that’s awesome!
In return for your hard work, you’ll choose either 25 Airpoints Dollars™ or a
mass index (BMI waist circumference), blood pressure, cholesterol, and blood glucose levels checked.
$25 Woolworths Gift Card reward.
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STILL NEED A FEW MORE POINTS BEFORE YOU GET TO SILVER? Here’s some other easy actions you can take to help you achieve Gold and Platinum.
UP TO 2 , 000 POINTS
1 , 000 POINTS
1 , 000 POINTS
2 , 000 POINTS
Complete the AIA Vitality Fitness Assessment through CEPNZ or Snap Fitness.
Book a skin cancer check with MoleMap and also receive 25% off your first service.
Track your sleep to get 10 AIA Vitality Points when you sleep for at least 7 hours.
Visit your Dentist and complete a dental check.
500 POINTS
UP TO 1 , 200 POINTS
2 , 500 POINTS
1 , 000 POINTS
Read, watch and listen to free content powered by Groov.
By completing 3 Mission Nutrition Consultations and your daily food diary.
Complete an eye check with an optometrist of medical practitioner.
Get your flu vaccination from a GP or pharmacy.
250 POINTS
UP TO 15 , 000 POINTS
UP TO 2,000 POINTS
Keep those Physical Activity Points rolling in! By tracking your physical activity with a compatible device to help achieve Gold and Platinum!
Visit MoleMap to complete a skin assessment Track your meditation sessions (at least 10 minutes a day) and earn 25 points per day (up to 75 points per week).
Visit MoleMap to complete a skin assessment Complete the Financial Wellbeing Assessment.
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AIA Vitality Overview
BENEFITS AND REWARDS To support your journey, we have a wide range of partners to help you understand and improve your mental, physical and financial wellbeing. With these amazing discounts and rewards from our programme partners we are here to help you reach your health and wellbeing goals. *T&Cs apply.
OUR PARTNERS
Appliances, Technology & Interiors
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HEALTH AND WELLBEING
Get a free AIA Vitality Health Check from a selected Unichem or Life Pharmacy
Get 50% cashback on an AIA Vitality Fitness Assessment from Snap Fitness or CEPNZ
FREE HEALTH CHECK
GET 50% CASHBACK
Get up to 80% off nutrition consultations with a dietitian through Mission Nutrition
Save up to 25% on MoleMap service
SAVE UP TO 25%
UP TO 80% OFF
Get 30% off the Single Will and Will It online will package with Footprint
Save up to 50% on endota Gift Cards
UP TO 30% OFF
SAVE UP TO 50%
Free Allen Carr’s Easyway to Quit Alcohol seminar
Free access to Allen Carr’s Easyway to Quit Smoking & Vaping seminar
FREE
FREE
GYM & FITNESS GEAR
Save up to 50% on a Les Mills membership (via discount + cashback)
Save up to 50% on a Jetts Fitness membership (via discount + cashback)
SAVE UP TO 50%
SAVE UP TO 50%
Get 6 weeks free on a Snap Fitness membership
Up to 25% off selected Garmin devices
6 WEEKS FREE
SAVE UP TO 25%
Up to 30% off selected Samsung devices
25% off selected New Balance footwear apparel and accessories
UP TO 30% OFF
25% OFF
REWARDS
Earn up to 300 Airpoints Dollars a year with status rewards + an additional 260 Airpoints Dollars through Active Rewards Earn up to $300 in Woolworths vouchers a year with Status Rewards + an additional $260 in Woolworths vouchers through Active Rewards
Save 10% on an initial premium discount on your eligible insurance
EARN AIRPOINTS
SAVE 10%
OR
Up to 50% off movie tickets with HOYTS and EVENT Cinemas
UP TO 50%
EARN UP TO $560
*T&Cs apply to AIA Vitality discounts and rewards. Find out more here aia.co.nz/vitalitytcs
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AIA Vitality Overview
GET REWARDED FOR SUPPORTING YOUR MENTAL WELLBEING WITH AIA VITALITY Feeling stressed? You’re not alone—1 in 4 New Zealanders* face mental health challenges, and these can often pop up alongside other health issues. For example, depression is known to increase the risk of developing heart problems. We’ve got your back! Our AIA Vitality Mental Wellbeing Benefit empowers you to improve your mental fitness. Just like with physical health, regularly nurturing your mental wellbeing helps you manage stress, overcome challenges, and feel more resilient. We believe that prevention is the key to reducing mental health issues and promoting mental wellbeing. Our programme offers evidence-based activities, in areas like mindfulness, sleep, exercise, and nutrition. With our Assess, Learn, Act approach, you’ll have the tools and guidance you need to build better mental wellbeing—no matter where you’re starting from. What is mental wellbeing? Mental wellbeing is about feeling good, staying resilient, and being able to cope with life’s ups and downs. Strong mental wellbeing can lead to greater happiness, better sleep, and improved physical health. Investing in your mental fitness not only boosts your confidence and happiness, but it also helps you achieve more in your personal life and contribute positively to your community. By focusing on improving your mental wellbeing, you’ll be better equipped to handle whatever life throws your way and feel your best—inside and out. How does our Mental Wellbeing Benefit work? At AIA Vitality, we believe learning and taking action go hand in hand when it comes to improving your mental wellbeing. That’s why we’ve created Learn and Act components to help you grow mentally, physically, and emotionally—all while earning awesome AIA Vitality Points! There is something for everyone with our 3 different components of the programme where you can earn up to 6,500 points:
UP TO 1 , 500 POINTS
UP TO 1 , 200 POINTS
UP TO 4 , 000 POINTS
ASSESS
LEARN Dive into a library of knowledge Access a variety of content — articles, videos, podcasts, and more. Powered with Groov, we’ve designed it so you can absorb valuable insights while earning points. Whether you’re reading, watching, or listening, you can earn up to 1,200 points just by engaging with content that helps you build mental fitness.
ACT Take action to build better habits Turn your knowledge into habits with evidence-based activities. You can earn up to 4,000 points by taking steps to build healthy, sustainable habits that boost your mental health.
Better understand your mental wellbeing Take our Mental Wellbeing Assessment twice a year to understand your current mental health and earn 750 points each time you complete. It takes around 30 minutes.
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Let’s dive into the activities you can try
Mindfulness: Find calm & clarity Want to clear your mind and reduce stress? Mindfulness activities like meditation can help you achieve a calm, focused state of mind. Plus, you’ll feel the benefits of reducing anxiety and promoting relaxation. Track your meditation sessions (at least 10 minutes a day) using one of our partner apps and earn 25 points per day (up to 75 points per week). You can earn up to 2,000 points per year by sticking with your meditation practice.
Sleep: Rest for your best mental health
Sleep isn’t just for recharging your body—it’s essential for mental health! Good sleep helps your brain process information, consolidate memories, and repair your body. Poor sleep, on the other hand, is linked to mental health issues like anxiety and depression. Log at least 7 hours of sleep a day and earn 10 points per day, up to 2,000 points per year. Use one of our partner apps to track your sleep patterns and improve your rest!
Physical Activity: Move for a better mood Exercise isn’t just for your body—it’s great for your mind too! By getting active, you release endorphins that boost your mood and help reduce stress. Simply link your fitness tracker or health app, and start tracking your physical activity. The more you move, the better you’ll feel—and you’ll earn points as you go!
Nutrition: Fuel your mind & body Good nutrition helps improve your mood, boost energy, and reduce the risk of health problems. If you want to eat well but aren’t sure where to start, you can chat with a dietitian from Mission Nutrition for expert advice.
*This article produced by Mental Health Foundation of New Zealand has been used throughout this brochure as the source of factual information. AIA make no representations to its accuracy and is used for general information purposes only. Visit https://mentalhealth.org.nz/news/post/25-of-new-zealanders-have-poor-mental-wellbeing to find out more .
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AIA Vitality Overview
HERE ARE SOME FREQUENTLY ASKED QUESTIONS:
General information
1 Can I join AIA Vitality without AIA Insurance? AIA Vitality is only available to an eligible Life Assured on qualifying AIA insurance policies.
2 What happens if my AIA Vitality membership is cancelled or terminated?
Should your AIA Vitality membership be cancelled or terminated in accordance with the AIA Vitality Terms and Conditions, any AIA Vitality Discount (including the initial discount) applied to your eligible policies will be removed from your next Premium due date.
3 Do I get discounted insurance premiums with AIA Vitality?
When you sign up to AIA Vitality you receive a 10% premium discount on your eligible insurance policies for your first year. Then you’re in control of the discount you can receive through ongoing engagement with the AIA Vitality program. On your policy anniversary, your premium discount will be adjusted up or down or will stay the same depending on your AIA Vitality Status achieved. For more details on Premium Flex, refer to the AIA Vitality premium adjustment rules. Why earn AIA Vitality Points? As you earn points and increase your AIA Vitality Status, you’ll have access to larger rewards. The more points you earn the more you’ll move from Bronze to Silver, Gold and finally to Platinum. Members can choose between Airpoints Dollars™ OR Woolworths Gift Cards, up to the value of $300 per membership year, based on membership status level. When your next membership year rolls around, you retain the status you’ve earned and the rewards that come with it. Information on Physical Activity Points 4
5 How many Physical Activity Points can I earn in my membership year?
Physical Activity Points are capped at 150 points per day for a single points earning activity and 15,000 points per membership year. If you complete two or more fitness activities in one day, the highest points earning activity will be awarded.
6 How do weekly physical activity targets work?
The physical activity targets for your Apple Watch Benefit or Active Reward runs from Monday to Sunday, and physical activity that’s tracked during this time will contribute to achieving your weekly target. You have six days after the end of that week, for your activity data to sync with the AIA Vitality app to accurately reflect your activity. Be sure to open both your Apple Health app and the AIA Vitality app regularly (we recommend twice a week minimum) to ensure that your activity data is syncing. Your AIA Vitality Points may not be reflected right away, but as long as you have captured your points on your synced device within your target week and we receive the data before midnight on the following Saturday, your activities will count towards your target. If you are still missing physical activity points, contact the AIA Vitality team on 0800 242 888 or via email at nzvitality@aia.com.
7 Why has my physical activity target changed?
Your weekly physical activity targets for Active Rewards or Apple Watch Benefit are dynamic – they adjust up and down based on your activity level and target completion. This is to keep you motivated and engaged at the current level, actively encourage you to reach the next level, or recalibrate at a lower level, should that be more appropriate for your fitness ability. Your targets will never move more than a maximum of +/- 50 points in a single week. 8 How long will it take for my points to reflect? There may be a slight delay for the Physical Activity Points to reflect, but they should be there within a 48-hour period from when they have opened the app to sync the data.
How do I link my device? Head to the “Accounts” section in your AIA Vitality app and then select “Connected apps and devices” to connect to your new Apple Watch.
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10 How can I track my gym visits? Once your Les Mills, Snap Fitness or Jetts Fitness gym benefit is active, your club visits will appear on your points statement in the AIA Vitality app. These may take up to 5 days to be processed. You can find your points statement by opening your app, visit the Account tab and click through Points statement under Quick links.
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11 Will my activity count if I am travelling overseas? If you are travelling abroad, there are various countries known for malicious traffic used to attack online platforms, where you will not be able to access your AIA Vitality app. Please continue to track your physical activity data during this time, and when you return to New Zealand, you will need to sync your data to your AIA Vitality membership. AIA Vitality will process 30 days of data for Fitbit and Garmin devices, and 14 days of data from Strava, Apple Health, Samsung Health and Google Fit. Please note: If your synced data falls outside the activity week or monitoring period, you will still receive the AIA Vitality Points, but you will not receive your Active Reward or Apple Watch Benefit contribution for that week. Information about the Apple Watch Benefit
What is the Apple Watch Benefit? The Apple Watch Benefit is available through AIA Vitality and can be activated once every 24 months for Apple iOS users. When you activate the Apple Watch Benefit, you can apply for a 24‑month loan with the Apple Watch Benefit loan provider for the value of an Apple Watch Series 11 (GPS) ($749). If your loan is approved, you will need to pay a $125 initial deposit as the first upfront payment on your total loan amount. You’ll then receive a $749 Apple Store Gift Card code in your AIA Vitality app. You use this Apple Store Gift Card code to purchase your Apple Watch from the online Apple Store. Once your watch arrives, simply pair it with the AIA Vitality app so your weekly physical activity targets can sync and earn AIA Vitality Points. While the Apple Watch Benefit is active, your weekly physical activity targets will no longer earn $5 Active Rewards. Instead, they earn Apple Watch Benefit Rewards. The Apple Watch Benefit Rewards earned automatically go toward your monthly loan repayment, reducing what you need to pay that month. You’re still responsible for your loan and must pay any portion not covered by the Apple Watch Benefit Rewards earned if you miss a weekly physical activity target.
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2 What are Apple Watch Benefit Rewards?
Apple Watch Benefit Rewards are a dollar amount equivalent to the value of a loan repayment due to the Apple Watch Benefit loan provider, by week. Apple Watch Benefit Rewards are earned by hitting your weekly physical activity targets. Apple Watch Benefit Rewards reduce your Apple Watch Benefit loan repayments. Each week you hit your physical activity target in the AIA Vitality app; you earn an Apple Watch Benefit Reward. At the end of the month, AIA Vitality pays the total Apple Watch Benefit Rewards you’ve earned directly to your Apple Watch Benefit loan provider as a co-contribution. This reduces the amount you need to repay on your loan for that month. If you meet all physical activity targets in a month and earn all available Apple Watch Benefit Rewards, AIA Vitality will pay these to the Apple Watch Benefit loan provider, and you will not need to co-contribute to your loan repayment that month. While your Apple Watch Benefit is active, you will not earn your $5 Active Rewards for meeting your weekly Target. Instead, you’ll earn weekly Apple Watch Benefit Rewards.
3 How do I purchase my Apple Watch?
Once your loan is approved and you have paid the $125 initial deposit, your Apple Store Gift Card code will be available in the AIA Vitality App. There will be a link to go through the online Apple New Zealand Store where you can use your Apple Store Gift Card code to purchase an Apple Watch Series 11 (GPS) Aluminium 42-mm. If you want to upgrade or purchase additional features, you will be responsible for paying any additional costs above the value of the Apple Store Gift Card code. We recommend you purchase your Apple Watch within two weeks of receiving the Apple Store Gift Card code to assist you with tracking your physical activity, as this can convert into Apple Watch Benefit Rewards which contribute towards your monthly loan repayments with the Apple Watch Benefit loan provider. 4 If I earn all available Apple Watch Benefit Rewards each month, how long will it take for the loan to be paid off? If you earn all available Apple Watch Benefit Rewards each month, your loan will take 24 months to pay off. 5 Can I pause my Apple Watch Benefit? No, you are unable to pause your Apple Watch Benefit with AIA Vitality or your loan with Glow.
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AIA Vitality Overview
Can I pay off my loan early? Yes, you can. You will need to contact Glow to arrange an early settlement of your loan. If you settle your loan early, you will be re-eligible for weekly Active Rewards. However, you will not be able to access the Apple Watch Benefit again until the full 24 months from Apple Watch Benefit activation has passed. Please note that, due to processing, there may be a stand down period between when your final loan repayment is received by Glow, and you are eligible for Active Rewards.
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7 What happens if I miss a weekly target or don’t sync my App in the required time? We encourage you to open your app on a weekly basis to ensure your activity is syncing and your efforts are being counted towards your weekly Target and your Apple Watch Benefit Rewards. It is your responsibility to repay your loan with Glow. If you do not meet all of your weekly targets and earn all available AWB Rewards, you are responsible to pay either the partial or full loan repayment amount for that month. You will not earn AWB Rewards if you miss your weekly target. If some, or all, weekly targets are missed in a month no AWB Rewards will be contributed to your loan by AIA Vitality and that portion of loan repayment will be deducted from your bank account by direct debit, as agreed with Glow.
Information about your Financed by Glow Loan
Who is Financed by Glow? AIA Vitality have partnered with Financed by Glow to enable the Apple Watch Benefit. Glow is our chosen third party loan provider, offering a twenty-four (24) month, interest free loan product to the value of NZD $749 in order for AIA Vitality Member’s to purchase an Apple Watch Series 11 (GPS) Aluminium 42-mm with an Apple Store Gift Card. Glow Financial Services (New Zealand) Limited, NZBN 9429053084422, trading as Financed by Glow, is the creditor in this arrangement and a registered financial service provider under FSP1010763 authorised to provide consumer credit.
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2 How do I apply for this loan and what is required?
The loan application is available to complete within the AIA Vitality app for eligible AIA Vitality members who have agreed to AIA Vitality’s AWB Terms and Conditions. You will need to provide certain data directly to Glow to determine your credit eligibility, including a valid New Zealand Driver’s License or a valid passport, and answer the standard income and expense questions. If you meet Glow’s eligibility criteria for loan approval, you will need to enter into a loan Agreement directly with Glow, provide Glow with bank account information to set up a direct debit facility for any loan repayments, and pay a deposit to Glow of $125 as the initial deposit of the total loan amount of $749. 3 How long does the loan application process take? The loan application is done in real time. Please refer to Glow’s FAQ page for more information about the loan process.
4 What is the deposit payment I need to make?
As part of your Loan with Glow, you will need to pay a non-refundable deposit of $125 to Glow as the initial deposit of the total Loan Amount of $749. This payment is made by you, is not refundable, and is not eligible for Apple Watch Benefit Rewards.
5 Can I settle the loan before the loan term ends?
Yes, at any time you may contact Glow and repay the outstanding balance in full settlement of the loan. Please refer to Glow’s FAQ for more information on the loan agreement. If you choose to settle your loan early, you will not be eligible to apply for another AWB with AIA Vitality until the 24-month period since your previous AWB has passed. You will however be entitled to receive Active Rewards again.
6 Will I receive a notification to let me know that my payment date is coming soon?
Your loan repayment date is the 20th of each month, or the following business day. If you have a payment owing, Glow will send you a notification 3 days before you are direct debited from the bank account you provide Glow for any outstanding repayment.
7 What form of identification do I need to complete my loan application? To apply for a Loan with Glow you must provide a physical New Zealand driver’s licence or a valid passport
Find out more at aia.co.nz/applewatch or refer to the AIA Vitality Apple Watch Benefit Terms and Conditions for further information.
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INSPIRATION TO HELP YOU PLAN, EAT, MOVE AND THINK WELL Whether you’re starting out on your health and wellbeing journey or already on to your third marathon, the AIA Vitality Content Hub is your go-to for science-backed inspiration and advice. Jam packed with curated articles, tips, recipes, videos and so much more, the AIA Vitality Content Hub encourages and motivates you to make healthier lifestyle choices. With guidance from qualified researchers, AIA Vitality Ambassadors, and subject matter experts, to the inspiring life-changing stories from our very own AIA Vitality members, there is something for everyone.
Dame Valerie Adams As an elite athlete and mother of two young children, I value the importance of leading a healthy lifestyle for myself and my family. Ian Jones Being an AIA Vitality ambassador and part of the AIA whānau is very exciting. It means that I can help inspire better health and wellness within our communities. Jason Gunn I love what AIA Vitality provides for New Zealanders, inspiring them to be the best versions of themselves - mentally and physically.
Check it out today at aia.co.nz/contenthub
0800 500 108 Monday - Friday, 8.30am - 5pm
aia.co.nz
aia.co.nz/chat Monday - Friday, 8.30am - 5pm
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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AIA Vitality Overview
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