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    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.

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      Choose from private health insurance or specialised cancer insurance.

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  • Total care, Totalcare max, Total care max, Major Care

    Product Updates,
    Enhancements & Policy Wordings

    For information on the latest product updates, enhancements and policy wordings please see below. 

    • Product Updates & Enhancements
    • Policy Wordings

    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 Living and Health Range

    PRODUCT UPDATES & ENHANCEMENTS – current products

    2026

    AIA Living Enhancements - 14 May 2026​

    On Thursday 14th May, we introduced some product enhancements to our AIA Living product range. These enhancements are aimed at continuing to meet the needs of our customers, and respond to customer feedback.

    Below is the key information you will need to help you understand the details around the release

    FAQs

    • AIA Product Enhancements Summary and FAQs - May 2026

    2025

    2025
    - Close + Open

    ​AIA Living Specialist and Testing Support – 1 Oct 2025​

    On Wednesday 1 October, AIA introduced Specialist and Testing Support, which is designed for customers looking for basic, entry-level cover to help with the cost of specialist consultations or diagnostic tests and prodedures. This new benefit offers peace of mind to help get an earlier diagnosis, which may get you onto the public waitlist sooner if treatment is required. 

    More information about this product

    FAQs

    • Specialist and Testing Support FAQs

    ​AIA Mortgage, Income or Rent Cover – 31 July 2025​

    On Thursday 31 July 2025, AIA launched an evolved product offering for our mortgage and income protection customers: AIA Living Mortgage, Income or Rent Cover.

    As New Zealand’s largest life and income protection insurer*, AIA have a responsibility to ensure our products remain relevant, sustainable and aligned with the needs of the people we serve. In today’s economic environment, where housing costs are often a household’s biggest financial priority, that responsibility has never been more important. AIA Living Mortgage, Income or Rent Cover has been designed to meet the needs of New Zealanders seeking protection in an environment of rising household costs – both mortgage and rent – alongside increasing incomes.

    More information about this product

    *AIA largest life and income protection insurer in NZ by market share. Source: Financial Services Council (March 2025)


    AIA Trauma Buyback Enhancement - 21 May 2025

    On Wednesday 21 May, we introduced the Trauma Buyback enhancement, so customers can now choose to reinstate their Critical Conditions cover immediately. This is to ensure that our products continue to meet your needs.

    Below is the key information you will need to help you understand the details around the release.

    Product Enhancement Summary

    • AIA Trauma Product Enhancement summary


    FAQs

    • AIA Trauma Buyback FAQs

    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 Private Health Excess FAQs
    • AIA Private Health product brochure

    2024

    2024
    - Close + View all

    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

    • AIA Living Enhancement summary


    FAQs

    • AIA Living Enhancement 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

    • AIA Health Enhancement summary


    FAQs

    • AIA Health Enhancement FAQs

    2023

    2023
    - Close + View all

    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

    • AIA Living Enhancement summary


    FAQs

    • AIA Living Enhancement FAQs

    2022

    2022
    - Close + View all

    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

    • AIA Living Trauma Enhancement summary


    FAQs

    • AIA Living Trauma Enhancement 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

    • AIA Health Enhancement Summary - April 2022


    FAQS

    • AIA Product Enhancements – April 2022 FAQS

    2021

    2021
    - Close + View all

    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

    • AIA Living Life
    • AIA Living Trauma
    • AIA Living Total Permanent Disablement
    • AIA Living Income Protection
    • AIA Health


    FAQS

    • AIA Product Enhancements - July 2021 FAQs

    2020

    2020
    - Close + View all

    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

    • AIA Living Life
    • AIA Living Trauma
    • AIA Living TPD
    • AIA Start-Up Income Protection


    FAQs

    • AIA Product Enhancements - December 2020 FAQs

    Past Product ENHANCEMENTS

    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:

    • Sovereign TotalCare and TotalCare Max policies issued since February 2001
    • Sovereign Private Health
    • AIA Life, Income Protection, Total Permanent Disablement and Trauma products issued since 2001
    • AIA Real Health


    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 (Mon-Fri, 8.30am - 5pm) to discuss if any enhancements apply to your policy or to request a copy of your policy wording.

    Enhancements to Past Sovereign Products

    2024

    • Closed The Warehouse Accidental Death Enhancements – 8 July 2024

    • Closed Sovereign Enhancements – effective 8 March 2024

    2023

    • Closed Sovereign Enhancements – effective 10 October 2023

    2022

    • Closed Sovereign Trauma Enhancements – effective 28 November 2022

    • Closed Sovereign Private Health Enhancements Summary

    • Closed Sovereign Absolute Health and MajorCare Enhancements - 8 April 2022
    • Closed Sovereign Private Health Enhancements - 8 April 2022

    2021

    • Closed Sovereign Enhancements - effective 23 July 2021

    2020

    • Closed Sovereign Enhancements - effective 1 December 2020

    2019

    • Closed Sovereign Enhancements - effective 5 August 2019

    • Closed Sovereign TotalCareMax Income Protection Enhancements Summary
    • Closed Sovereign TotalCareMax Life Enhancements Summary
    • Closed Sovereign TotalCareMax TPD Enhancements Summary
    • Closed Sovereign TotalCareMax TPD Enhancements Summary
    Enhancements to Past AIA Products

    2024

    • Closed AIA Enhancements – effective 8 March 2024

    2023

    • Closed AIA Enhancements – effective 10 October 2023

    2022

    • Closed AIA Trauma Enhancements – effective 28 November 2022

    • Closed AIA Enhancements effective 08 April 2022.pdf

    2021

    • Closed AIA Enhancements - effective 23 July 2021

    2020

    • Closed AIA Enhancements - effective 1 December 2020

    2019

    • Closed AIA Superior Health Enhancement Summary

    • Closed AIA Enhancements - effective 5 August 2019

    • Closed AIA Real Health Enhancements Summary
    • Closed AIA Real Income Protection Enhancements Summary
    • Closed AIA Real Life Enhancements Summary
    • Closed AIA Real TPD Enhancements Summary
    • Closed AIA Real Trauma Enhancements Summary

    For Selected Past Sovereign Products

    Policy Loans

    For eligible former Sovereign traditional policies, and AIA Permanent Term and Universal Life products purchased before December 2021.

    AIA MyCare

    For Sovereign TotalCareMax policies which include Specialist and Diagnostic Testing

    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 (Mon-Fri, 8.30am - 5pm) to request a copy of your issued policy wordings and to discuss if there is a more recent version containing any applicable enhancements.

    Policy Documents - Current Products

    Last updated 14 May 2026

    AIA Living Personal

    AIA Living Umbrella Policy Wording

    Life Cover

    AIA Living Personal - Accidental Death Cover
    AIA Living Personal - Family Protection Benefit
    AIA Living Personal - Life Cover

    Income Protection

    AIA Living Personal - Income Protection Agreed Value
    AIA Living Personal - Income Protection Indemnity
    AIA Living Personal - Income Protection Loss of Earnings
    AIA Living Personal - Mortgage, Income or Rent Cover
    AIA Living Personal - Redundancy Benefit
    AIA Living Personal - Retirement Protection

    Trauma Cover

    AIA Living Personal - Critical Conditions Benefit
    AIA Living Personal - Progressive Care
    AIA Living Personal - Severe Trauma

    Total Permanent Disablement

    AIA Living Personal - Total Permanent Disablement

    Add-ons

    AIA Living Personal - Specified Accidental Injury Cover
    AIA Living Personal - Specialist and Testing Support
    AIA Living Personal - Waiver of Premium

    AIA Personal

    AIA Cover for Life

    AIA Health

    AIA Cancer Care
    AIA Private Health
    AIA Private Health Waiver Of Premium

    AIA Living Business

    AIA Living Umbrella Policy Wording
    AIA Living Business Continuity Policy Wording
    AIA Living Business - Rural Continuity Policy Wording

    Life Cover

    AIA Living Business - Life Cover

    Trauma Cover

    AIA Living Business - Critical Conditions
    AIA Living Business - Progressive Care
    AIA Living Business - Severe Trauma

    Total Permanent Disablement

    AIA Living Business - Total Permanent Disablement

    Add-ons

    AIA Living Business - Rural Continuity Business Income Support Policy Wording
    AIA Living Business - Specified Accidental Injury Cover
    AIA Living Business - Waiver of Premium

    AIA Business

    AIA Start-Up Income Protection

    Policy documents - past products

    Sovereign Policies

    Sovereign TotalCareMax (TCM) Personal Insurance Policies

    Sovereign TotalCareMax (TCM) Personal Insurance Policies
    - Close + View
    TCM Umbrella Policy Wording
    TCM Personal Accidental Death Policy Wording
    TCM Personal Accidental Injury Cover Policy Wording
    TCM Personal Comprehensive Living Assurance
    TCM Personal Disability IP Agreed Value Policy Wording
    TCM Personal Disability IP Indemnity Policy Wording
    TCM Personal Essential Disability IP Policy Wording
    TCM Personal Essential Living Assurance Policy Wording
    TCM Personal Family Protection Policy Wording
    TCM Personal Life Cover Policy Wording
    TCM Personal Loss of Earnings Policy Wording
    TCM Personal Mortgage and Income Protection
    TCM Personal Progressive Care Policy Wording
    TCM Personal Redundancy Policy Wording
    TCM Personal Retirement Protection Policy Wording
    TCM Personal Specialist & Diagnostic Testing Policy Wording
    TCM Personal Total Permanent Disablement Policy Wording
    TCM Personal Waiver of Premium Policy Wording

    Sovereign TotalCareMax (TCM) Business Insurance Policies

    Sovereign TotalCareMax (TCM) Business Insurance Policies
    - Close + View
    TCM Umbrella Policy Wording
    TCM Business Accidental Injury Cover Policy Wording
    TCM Business Comprehensive Living Assurance Policy Wording
    TCM Business Continuity Policy Wording
    TCM Business Life Cover Policy Wording
    TCM Business Locum Cover Disability Income Policy Wording
    TCM Business Overheads Agreed Value Policy Wording
    TCM Business Overheads Indemnity Policy Wording
    TCM Business Progressive Care Policy Wording
    TCM Business Rural Continuity Business Income Support
    TCM Business Rural Continuity Policy Wording
    TCM Business Specialist & Diagnostic Testing Policy Wording
    TCM Business TPD Policy Wording
    TCM Business Waiver of Premium Policy Wording
    Sovereign Start Up Income Protection Policy Wording

    Sovereign Health Insurance Policies

    Sovereign Health Insurance Policies
    - Close + View
    Sovereign Private Health Policy Wording
    Sovereign Private Health Waiver of Premium Policy Wording
    Sovereign Absolute Health Benefit Sheet
    Sovereign Absolute Health Umbrella Policy Wording
    Sovereign MajorCare Benefit Sheet
    Sovereign MajorCare Umbrella Policy Wordings

    AIA Policies

    Closed AIA Living Policies

    Closed AIA Living Policies
    - Close + View
    AIA Living Business Accidental Injury Cover Policy Wording
    AIA Living Personal Accidental Injury Cover Policy Wording
    AIA Living Mortgage and Income Protection Policy Wording

    AIA REAL Personal Policies

    AIA REAL Personal Policies
    - Close + View
    AIA Cancer Treatment Benefit Policy Wording
    AIA Real Accidental Death Benefit Policy Wording
    AIA Real Health Personal Policy Wording
    AIA Real Income Protection Indemnity Policy Wording
    AIA Real Life Cover Policy Wording
    AIA Real Loss of Earnings Premier Policy Wording
    AIA Real Mortgage Income and Rent Cover Policy Wording
    AIA Real TPD Personal Policy Wording
    AIA Real Trauma Personal Cover Policy Wording
    AIA Living Mortgage and Income Protection Policy Wording
    AIA Real Vital Income Protection Policy Wording

    AIA REAL Business Policies

    AIA REAL Business Policies
    - Close + View
    Business Cover Proffesional - Life Cover Policy Wording
    Business Cover Proffesional - Total Permanent Disability Policy Wording
    Business Cover Proffesional - Trauma Policy Wording
    Business Cover Proffesional - Business Continuation Cover Policy Wording
    Business Cover Proffesional - Farmers Revenue Protection Policy Wording
    Business Cover Proffesional - New to Business Cover Policy Wording

    AIA Superior Health Policies

    AIA Superior Health Policies
    - Close + View
    AIA Superior 3 Health Cover Policy Wording
    AIA Superior Health Cover Policy Wording

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    Private Bag 92499
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    CONTACT US

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