Life Insurance
Lump sum payment if you were to pass away or are diagnosed with a terminal illness.
The most important things in your life are your family, your lifestyle and your future. This is what life, trauma and disability insurance are there to protect.
For Individuals
For Business
Lump sum payment if you were to pass away or are diagnosed with a terminal illness.
Choose from private health insurance or specialised cancer insurance.
Financial support if you or your child become seriously ill or injured.
Lump sum payment if you become permanently disabled and are unable to work.
Explore our rent and mortgage insurance options; protect your home and finances with AIA rent and mortgage insurance.
Simple plans you can buy online. Get protected with basic life, rent or mortgage protection.
Lump sum payment if you have an accident and suffer one of the covered injuries.
Protection for business owners if a key person becomes seriously ill, is injured, or dies.
Providing cost effective and comprehensive corporate group insurance for your employees.
Financial support if a key person of your farm becomes seriously ill, injured or passes away.
AIA Vitality encourages and supports you to live a healthier life, while giving you access to great rewards along the way.
Learn more about the amazing benefits, discounts and rewards you'll have access to with AIA Vitality.
Learn how you can earn up to 15,000 points and $260 a year in Active Rewards.
Find out how you can earn 25 Airpoints Dollars or $25 Woolworths vouchers.
Get help with making a claim.
AIA Group is one of the largest life insurers in the world, with a presence in 18 markets across Asia Pacific. AIA New Zealand Limited is part of the AIA Group and has been providing insurance to New Zealanders since 1981.
AIA New ZealandAIA NZ is committed helping build a healthier, cleaner and more sustainable Aotearoa NZ.
Committed to making a difference in New Zealand with our AIA Vitality Charity partners.
All you need to know about applying to distribute our products.
We're here to help! Check out our quick links and digital tools. Still have a question? Get in touch via Live Chat.
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Understanding your policy
Other useful information
Updating policies, moving house, changing names, Covid-19 support... our FAQs section has all the answers and forms.
Product updates, enhancements and policy wordings for current and closed AIA or Sovereign policies.
Find out more about CPI indexation and how it may affect your insurance cover.
Helpful advice if you have recently arrived, or are considering moving to New Zealand.
A list of some of the services available in New Zealand that offer support, information and help.
The latest AIA investment performance information, as well as a list of closed and terminated investment products.
If you have a complaint, we’ll do our best to resolve the situation.
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{{label}}For information on the latest product updates, enhancements and policy wordings please see below.
We want to look after you today and in the future. That’s why from time to time we may update or enhance products to ensure that they remain modern, relevant and sustainable.
The summaries below detail which products we have updated and/or enhanced and the date these are effective from.
If you hold a product that has been updated or enhanced, in the event of a claim, we will compare the policy wordings issued to you with the latest policy wording available for the product that you hold, and we will apply the most favourable terms to your claim.
Please note that any updates or enhancements will only apply if the claimable event occurs on or after the effective date of the change.
AIA Private Health - 17 April 2025
On Thursday 17 April, we introduced a new $10,000 excess option for AIA Private Health, providing you with an additional option to manage your premiums.
Below is the key information you will need to help you understand the details around the release.
FAQS
AIA Living Trauma – 04 April 2024
On Thursday 4 April, we introduced an enhancement to our Trauma product range. This is to ensure our products continue to meet your needs.
Below is the key information you will need to help you understand the details around the enhancement.
Product Enhancement summary
FAQs
AIA Health – 08 March 2024
On Friday 8th March, we introduced some product enhancements to our Health product range. This is to ensure our products continue to meet our customer’s needs.
Below is the key information you will need to help you understand the details around the release.
Product Enhancement summary
FAQs
AIA Living Life & Trauma - 10 October 2023
On Tuesday 10th October, we introduced some product enhancements to our Life and Trauma product range. This is to ensure our products continue to meet our customer’s needs.
Below is the key information you will need to help you understand the details around the release.
Product Enhancement summary
FAQs
AIA Living Trauma - 28 November 2022
On Monday 28th November, we introduced some product enhancements to our Trauma product range. This is to ensure our products continue to meet our customer’s needs.
Below is the key information you will need to help you understand the details around the release.
Product Enhancement summary
FAQs
AIA Health - 8 April 2022
On Friday 8 April, we introduced some product enhancements and minor updates to Policy Wordings across our AIA Health range. This is to ensure our products continue to meet our customer’s needs.
Below is the key information you will need to help you understand the details around the release.
Product Enhancement Summaries
FAQS
AIA Living - 23 July 2021
On 23 July 2021, we introduced 15 product enhancements across AIA Living Life, Trauma, Total Permanent Disablement and AIA Health to ensure our products continue to meet our customers' needs.
Below is the key information you will need to help you understand the details around the release.
Product Enhancement Summaries
FAQS
AIA Living Life, TPD, Trauma & AIA Start-Up Income Protection - Dec 2020
In December 2020, we introduced 13 product enhancements across AIA Living Life, TPD, Trauma and AIA Start-Up Income Protection.
Below is the key information you'll need to help you understand the details around this release.
Product enhancement summaries
FAQs
This section provides information on enhancements we have made to some past product ranges (listed below) offered by AIA and Sovereign that are no longer available for sale, but remain in place for existing customers holding these products:
Note: The list of past products on this page is not exhaustive. If you hold past products other than the ones listed above, please speak to your adviser, contact us on live chat or call 0800 500 108 to discuss if any enhancements apply to your policy or to request a copy of your policy wording.
2024
2023
2022
2021
2020
2019
2024
2023
2022
2021
2020
2019
For copies of the latest policy wordings for our current and past products, including any applicable recent product enhancements, please see below.
Please note that any enhanced wordings will only apply if the claimable event occurs after the effective date of the enhancement.
If you hold a past product other than those provided below, please contact us on live chat or call 0800 500 108 to request a copy of your issued policy wordings and to discuss if there is a more recent version containing any applicable enhancements.
Last updated 17 April 2025
We will be in contact as soon as we can.
Did you know, with an eligible policy you can view, claim and update your insurance with MyAIA? Find out more