Trauma Insurance

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 for $11.50 a month when you purchase trauma insurance to receive:

• an initial 10% premium discount* on your first year's premium
• earn up to $560 in vouchers or Airpoints Dollars™ per membership year
• exclusive rewards and discounts from our partners.

*T&C's apply.

Save up to 15% when you bundle eligible life insurance and other optional insurance benefits with our Multi-Benefit Discount. If you hold two or more eligible insurance benefits with AIA, you may be able to access discounts on your AIA Living premium including Severe Trauma. 

Our advisers combine knowledge of our insurance options with an in-depth understanding of your financial situation, so you know you’re making the right choice – whether that means life, trauma, disability, or health insurance. Find out more

Considerations when you’re looking to purchase trauma insurance cover: 

• An insurance adviser can help guide you through your questions and help you decide what level and type of cover you need, and how your cover can be adapted to suit your needs
• Know how much cover you need by considering your family situation; your debt (mortgage, personal loans, etc.) and other factors, such as being the owner of a business and what cover is needed to protect it.
• Know what the policy covers and what it does not cover. 
• Know what the definitions in the policy mean. These can differ depending on the insurance company that provides your cover or between different products provided by the same company. 

AIA has one of the most comprehensive trauma offerings on the NZ market, giving you the choice of your level of cover to suit your budget. AIA offers three trauma insurance products and, they all provide a different level of cover and can be purchased separately or combined, to minimise stress and enhance your level of cover.

Critical Conditions cover provides a lump sum payment if you suffer one of the defined medical conditions. A few of these are advanced diabetes, cancer, dementia, heart attack, heart surgery, permanent loss of hearing, stroke, meningitis, chronic lung disease, HIV, severe burns, permanent blindness, severe illness or injury, etc.​

Progressive Care cover allows you to make multiple claims, based on the severity of your illness or injury. You’ll be covered for medical conditions across five categories: Cancer, Heart & Arteries, Brain & Nerves, Loss of Function and other health events.

Severe Trauma is our most cost-effective trauma cover, designed to support you through life-changing medical events. It focuses on fewer, more severe conditions that have a very significant impact on your day-to-day life. Severe trauma can be taken out as a stand-alone product or as a combination alongside our other trauma products.

The amount of trauma insurance you need would depend on individual circumstances. It is recommended that you discuss this with an insurance adviser who will be able to help you work out what amount you should be covered for.

Trauma Cover provides worldwide cover. Whether you’re at home, travelling or living overseas for any period, you remain insured.