AIA Health Insurance

AIA Health insurance takes care of your medical bills and provides you with faster access to medical care that suits your needs.

AIA HEALTH

HEALTH INSURANCE

Our health insurance options AIA Private health

What is health insurance and why do you need it? AIA health insurance provides peace of mind that you can get faster access to medical treatment if you need it. Health insurance provides access to private medical care so you can focus on getting the right treatment and start your recovery sooner. Our public health system and ACC do a great job of supporting people who require urgent medical attention. However, relying on the public system for conditions that are non-urgent or non-accidental can result in long waiting lists and delayed treatment. Key benefits of our health insurance • No annual limit on the amount you can claim for surgeries under the surgery benefit. • Includes $500,000 extensive cancer cover for every stage: from diagnosis to treatment and recovery. • Children can be added to the policy at any time, and during their first three months of their life there is no underwriting required. • Worldwide treatment options available to cover costs of treatment overseas. Conditions and limitations apply.

This is comprehensive health cover providing access to private medical care when you need it most. Covers costs relating to specialist consultations, diagnostic imaging and tests, hospitalisation and surgery at a time, location and with the medical provider of your choice. Option available of upgrading to Private Health Plus for additional cover for specialist consultations, diagnostic imaging and tests, reproductive health and a health screening allowance. AIA Cancer Care This is a cancer only health cover that takes care of medical expenses associated with the diagnosis, treatment and recovery of cancer. Cover includes unlimited Cancer Surgery, access to specialist consultations, diagnostic imaging and tests and Pharmac and non-Pharmac Medsafe indicated cancer chemotherapy and immunotherapy drugs.

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 health 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 health insurance for $11.50 per month. *T&Cs apply.

aia.co.nz/health

What’s included in AIA Health Insurance:

Private Health Covers a range of medical conditions

Cancer Care Covers cancer-related treatments only

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.

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

Surgery benefits

Inpatient treatment costs including surgeon, anaesthetist, radiologist, and hospital fees. Access to pre and post-surgery support services like consultations, physiotherapy and prescription drugs.

Unlimited

Minor surgical procedures performed by a GP.

Up to $3,000 per policy year

Surgical costs for specified congenital conditions.

$2,000 per lifetime

Cancer Cover benefits

Treatments and procedures, including the cost of Pharmac and non-Pharmac subsidised Medsafe indicated cancer chemotherapy drugs.

Consultations, tests and diagnostic imaging.

Breast reconstruction following mastectomy.

$500,000 per policy year

Breast symmetry following mastectomy.

Prophylactic surgery following cancer for prophylactic mastectomy and/or oophorectomy only, and where criteria has been met.

Prostate brachytherapy.

No specific benefit but may be covered by other benefits of the policy

Cancer diagnostics.

$5,000 per policy year

Post-cancer treatment care and support.

$1,000 per policy year

Public hospital cancer treatment cash benefit.

$5,000 per lifetime

Palliative and respite care.

$1,500 per lifetime

Medical hospitalisation and testing

Hospitalisation costs for treatment of a condition which doesn’t require surgery such as hospital accommodation costs, specialist fees, and other ancillary hospital charges.

No specific benefit but may be covered by other benefits of the policy No specific benefit but may be covered by other benefits of the policy

$500,000 per policy year

Major diagnostic imaging and tests costs including Angiogram, Colonoscopy, CT scans, Laparoscopy, Hysteroscopy and MRI scans.

$200,000 per policy year

$300 per day, Up to $3,000 per policy year

Public hospital cash grant.

Overseas treatment

Voluntary treatment in Australia covering costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support, or care at an approved health facility.

100% of the reasonable charges payable in New Zealand

AIA HEALTH Health Insurance

Private Health Covers a range of medical conditions

Cancer Care Covers cancer-related treatments only

Voluntary treatment overseas (other than Australia) covering costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support, or care recommended by a New Zealand specialist. Treatment overseas where the waiting period in New Zealand is greater than six months. Covers costs for a medically necessary treatment or procedure unable to take place in New Zealand within six months. Treatment overseas not available in New Zealand. Covers costs for a medically necessary treatment or procedure recommended by an approved specialist.

85% of the reasonable charges payable in New Zealand

100% of the reasonable charges payable in New Zealand

$30,000 per policy year

Loyalty benefits

Bilateral breast reduction allowance.

$7,500 per lifetime across both benefits (after three years)

Bariatric surgery allowance.

$5,000 per lifetime (after one year)

Sterilisation.

$300 (after three years) or $450 for AIA Vitality members (after two years)

Cancer health screening allowance.

Support benefits

Mental health support.

$2,500 per policy year

Parent accommodation.

Up to $3,000 per policy year across both benefits. (Daily limits may apply)

Up to $3,000 per policy year. (Daily limits may apply)

Treatment away from home in New Zealand.

Obstetric care allowance.

$2,000 per policy year

Parents grieving.

$2,000 per child

Waiver of premium on death.

Two years free cover (policy) Two years free cover (policy)

Optional upgrade – Private Health Plus

Additional diagnostic imaging and tests which are not related to treatment or surgery, as long as referred by a medical practitioner or specialist. Additional specialist consultations (including second opinions) with a specialist referred by a registered medical practitioner. Reproductive health Pregnancy, maternity and infertility allowance including infertility diagnosis. Health screening Health screening allowance including bone, bowel, breast, cervical, heart, prostate, skin and aortic aneurysm screening, and hearing and eye tests.

$100,000 per policy year

$10,000 per policy year

$1,500 per policy year (after two years)

$500 (after three years) or $750 for AIA Vitality members (after two years)

This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.

Health insurance common treatment costs The image below shows some common treatments our customers have needed and their average costs.

Private Health

Cancer Care

Additional diagnosis and treatment costs you and your family could experience:

Grommets $4,000 - $7,000 Strabismus $6,000 - $7,500 (Correction of eye muscle movement) Adenotonsillectomy $5,500 - $9,000 (Removal of tonsils and adenoids) Sinus surgery $9,000 - $33,500

Diagnostics (per test)

Ultrasound $350 - $850

CT Scan $700 - $2,000

Heart valve replacement $80,000 - $100,000

MRI Scan $1,700 - $2,800

P.E.T Scan $3,000 - $3,500 Cancer treatments (per policy year)

Mastectomy (Unilateral) $25,000 - $50,000 Mastectomy with breast reconstruction $50,000 - $100,000

Chemotherapy $15,000 - $400,000 • Pharmac funded drugs $1,000 - $7,000 per month • Non Pharmac funded drugs $8,000 - $60,000 per month

Hernia repair $8,500 - $20,000 Removal of skin lesion $500 - $15,000

Radiotherapy $30,000 - $70,000 Lung cancer $50,000 - $300,000 Metastatic melanoma $100,000 - $380,000

Spinal surgery $30,000 - $250,000 Hip replacement $25,000 - $40,000

Bowel resection $50,000 - $80,000

Robotic prostatectomy $32,000 - $35,000 Endometriosis surgery $20,000 - $50,000

Source: AIA Health Claims Data, 30 April 2025

What is a health insurance excess and how does it work? When it comes to money, it’s always good to know you’re in control. Everyone’s situation is different, so we have options to help keep your cover affordable. When you take out AIA Private Health insurance, you are required to choose your excess. The excess is the amount you need to pay before you make a claim and can be a way of managing cost. Based on the excess level chosen, you will receive the level of discount displayed in the table below. Excess option Applicable discount*

Nil

$250 $500 $750

15% 24% 30% 40% 55% 70% 77%

Private Health

$1,000 $2,000 $4,000 $10,000

Nil

Private Health Plus

$250

15%

Nil

Cancer Care

*The excess and discounts are as at 17 April 2025 and are subject to change.

AIA HEALTH Health Insurance

explained

How to save on insurance and get up to $560 in rewards When you become an AIA Vitality member you get a 10% premium discount on eligible insurance products in your first year. 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 the AIA Vitality Status you have achieved at policy anniversary*. Plus, as soon as you’ve activated AIA Vitality you can start accessing tools and discounts through our partners to begin your health and wellbeing journey. When you make healthy choices, like tracking your sleep or reaching your weekly physical activity targets, you earn AIA Vitality Points. As you earn more points you’ll move from Bronze to Silver, Gold and finally to Platinum Status. Improve your AIA Vitality Status to earn up to $300 in Status Rewards. AIA Vitality is our personalised, science-backed health and wellbeing programme that supports you every day to make healthier lifestyle choices. It is designed to take you on a a journey to better health - where you get to know your health, improve it, and enjoy the rewards for doing so.

Example of how your AIA Vitality Status impacts your premium flex and rewards you can earn:

GOLD 20,000 POINTS

BRONZE 0 POINTS

SILVER 10,000 POINTS

PLATINUM

30,000 POINTS

35,000 POINTS

-2.0% per annum to a minimum of 0%

-1.0% per annum to a minimum of 0%

+2.0% per annum up to a maximum of 20%

Retain current discount

PREMIUM FLEX

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

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

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

+50 Airpoints Dollars™ If you reach Gold, your year 2 DISCOUNT WILL BE 10%

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

+100 Airpoints Dollars™

+125 Airpoints Dollars™

+25 Airpoints Dollars™

+$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

*More details on Premium Flex, refer to aia.co.nz/premium-flex. The table above is for illustrative purposes only.

How AIA Vitality works

Add AIA Vitality to your eligible AIA insurance policy. Join for $11.50 per month (membership fee includes GST). Download the app and sign up to get started. Sign up and follow the prompts to activate your membership. 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. 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! 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!

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

aia.co.nz/vitality

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

797K OVER KIWIS PROTECTED.

WE ACCEPTED 92% OF ALL CLAIMS RECEIVED.

WE PAID $829.6M IN CLAIMS 2 .

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.

AIA HEALTH Health Insurance

Total health claims paid in 2024 $167M

MUSCULO SKELETAL 25%

CANCER 21%

DIGESTIVE 15%

SENSE ORGAN 14%

CLAIMS BY AGE GROUP

20-29 $10.05M CLAIMS PAID

30-39 $19.45M CLAIMS PAID

40-49 $31.9M CLAIMS PAID

50-59 $41.9M CLAIMS PAID

60-69 $38.3M CLAIMS PAID

70+ $13.91M CLAIMS PAID

Musculo Skeletal

$1.90M Genito Urinary

$3.46M Digestive

$6.69M Cancer

$10.0M Cancer

Musculo Skeletal

$12.24M

$4.50M

$3.13M Genito Urinary

$5.75M Muscolo Skeletal

Musculo Skeletal $9.34M

$8.27M Cancer

$2.90M Cancer

$1.47M Sense Organ

$1.13M Musculo Skeletal

Cancer $2.92M

$5.32M Digestive

$5.78M Digestive

$4.37M Heart

$1.47M Heart

$1.95M Sense Organ

Genito Urinary $3.11M

$5.08M Heart

$1.33M Digestive

$4.22M Sense Organ

$1.83M Sense Organ

$288K Cancer

$1.67M Musculo Skeletal

$2.89M Heart

$3.56M Sense Organ

Digestive

Genito Urinary $1.17M

$3.46M

Genito Urinary $2.75M

$271K Heart

$2.27M Sense Organ

$3.0M Genito Urinary

$1.03M Digestive

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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.

0800 500 108 Monday - Friday, 8.30am - 5.30pm

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