Trauma insurance

If the medical diagnostic techniques and investigations used in our definitions of medical conditions have been superseded due to medical advancements, we will consider these when assessing your claim.

The Severe Illness or Injury Benefit aims to offer protection if you are diagnosed with a major medical condition that isn't specified in the policy wording but meets our definition of a severe illness or injury.

This enables you to access financial and legal advice from an AIA-approved financial adviser or legal professional at claim time. AIA will reimburse fees up to $2,500.

If you're outside New Zealand and suffer one of the critical conditions for the first time, you could access up to $10,000 towards the cost for you and a support person to return home.

You may convert your standalone Critical Conditions to be accelerated with an equal amount of Life Cover without any further medical evidence. Conditions apply.

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 further medical underwriting.

You can apply to increase your Critical Conditions 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.

Enables you to increase the sum assured under your cover, without further medical underwriting following a significant event in your life which results in increasing financial responsibilities. These significant events include getting married, having a child, your child starting secondary school, taking out or increasing a residential home loan or receiving a salary increase and other major events.

We will pay up to $2,500 (incl. GST) 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.

This benefit provides you with some trauma insurance for your children aged from three months up to their 21st birthday. If a child of the life assured suffers a defined medical condition, this benefit will pay 50% of the sum assured or $50,000. Notably, this payment will not reduce the amount of any trauma cover remaining for the life assured.

If a child of a life assured is born with one of eight specified congenital conditions and survives for thirty days after birth, this benefit will pay the lesser of 50% of sum assured or $50,000. The payment of this benefit will not reduce the amount of any trauma insurance remaining for the life assured.

If the worst should happen to your child and they pass away, we'll help with providing financial support to help your family in a time of need. We will issue a payment of $2,000 (incl. GST) in financial support for children aged under 10 years and $15,000 for children between 10 and 21 years of age.

When your child turns 21, the built-in Children's Trauma Benefit and/or Optional Children's Maternity Benefit (where applicable), can be converted to 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.

The flexibility to suspend your cover for up to 12 months, without medical evidence if you meet the following conditions: take parental leave, take leave without pay for any reason, get made redundant, become unemployed, experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year), or are self-employed and experience a 30% reduction in revenue (by comparing one month's revenue against the same month for the previous year). No benefits will be payable for any claim event which occurs during this suspension period.