aia insuranceAIA Insurance

As the largest insurance company across Asia, the AIA brand is synonymous with the following attributes, which AIA New Zealand deliver with a Kiwi ‘can do’ attitude: Proactive - We work hard to identify new opportunities that will help our customers succeed.

Forward Looking - We are thought leaders and dare to set new industry norms. Bold - We embrace challenges and deliver focused results. Nimble - We respond quickly to market changes and evolving needs. Solid - Our track record reinforces our commitment to a long term approach.

AIA New Zealand is a member of the AIA Group. As a company we draw on our global expertise and unparalleled heritage of 90 years experience in the Asia-Pacific region.

Since the company arrived in New Zealand in 1981, we have consistently provided the market with innovative personal and business insurance products that suit the Kiwi way of life. Today we offer a complete range of risk management products that focus on the needs of our customers.

AIA New Zealand is based in Auckland with regional representation in Wellington, Hamilton and Christchurch. However, through our Insurance Adviser network, we reach every corner of the country.

AIA New Zealand is a member of the Investment Savings and Insurance Association (ISI), the Insurance and Savings Ombudsman Scheme (ISO) and the Health Funds Association of New Zealand (HFANZ).

The AIA Group

About the AIA Group

The AIA Group provides consumers and businesses with products and services for life insurance, retirement planning, accident and health insurance as well as wealth management solutions. Through an extensive network of 250,000 agents and 20,000 employees across 15 geographical markets, the AIA Group serves over 20 million customers in the Asian region.

The AIA Group has branch offices, subsidiaries and affiliates located in jurisdictions including Australia, Brunei, China, Hong Kong, India, Indonesia, Macau, Malaysia, New Zealand, Singapore, South Korea, Taiwan, Thailand and Vietnam.

AIA Life Cover

Life Cover is designed to enable you to look after those who financially depend on you, following your death. It can also be used to help tidy up financial commitments.

What do you get?

Life Cover can provide a lump sum payment, regular monthly payments or a combination of both. Additionally, if you are diagnosed with a terminal illness you can elect to have your benefit paid prior to your death. You then have the option of using the money to ensure quality time with your family before you die.

Funeral benefit

A funeral benefit is an accelerated payment of $12,500 payable upon your death.

Accidental death benefit

When applying for Life Cover you will automatically be entitled to accidental death cover between the date of AIA New Zealand receiving your application for Life Cover and the date of our decision whether or not to accept your application. Special conditions apply.

Future insurability option

With Life Cover you also have the option to increase the sum assured by 20% every two years, for a maximum of five times, over the first 10 years of your policy without further medical evidence. Special conditions apply.

Special Events Increase Option

You may be able to increase your cover without any additional medical underwriting if one of these special events occurs before you turn 69:

  • Marriage or civil union.
  • Divorce or legal separation.
  • Death of a spouse or partner.
  • Birth or adoption of a child.
  • Salary increase or a career change.
  • Taking full-time care of a dependant.
  • Secondary education of a child.
  • Tertiary education of a child
  • Taking out or increasing a mortgage on your own home.
  • Purchase of a residential investment property.


Insure Me provides AIA Health Insurance Quotes and comparison against other insurers. Obtain an AIA Medical Insurance Quote with Insure Me. Compare and Save.


Get the quality health treatment you need, when you need it. We offer a choice of two policies which provide cover for surgical and non-surgical private hospital care.
REAL Health is designed to assist with you meeting the financial costs associated with certain health services.

What are the benefits of REAL Health Cover?

Surgery in a private hospital

REAL Health can provide reimbursement for some or all costs in respect of surgery in a private hospital in New Zealand. These may include surgeon’s and anaesthetist’s fees, theatre fees, post-operative and ancillary charges, high dependency unit charges, nursing fees, prostheses, hospital accommodation, diagnostic procedures and specialist consultations. Referral from a specialist is required.

Treatment in a private hospital

REAL Health can provide reimbursement for some or all costs in respect of private hospital treatment that doesn’t require surgery. These may include charges for chemotherapy and radiotherapy, prescription drugs listed on the PHARMAC schedule (and if not listed, in some cases), cardiologist fees and angiography, hospital accommodation, diagnostic procedures and specialist consultations. Referral from a specialist is required.

Other benefits

REAL Health also includes many other benefits: specialist minor surgery, complications of pregnancy and childbirth, medical misadventure benefit, funeral benefit ($3,500), public hospital cash benefit, hospice cover, home nursing and an overseas treatment grant.

Obtain a Quote

Click through to obtain an AIA Life Insurance Quote and to compare their prices with other providers.

or click through for an AIA Health Insurance Quote and compare with other health insurers.

Because the information on this website is general in nature and does not constitute advice, it may not be relevant to individual circumstances.
Full details of the benefits available including definitions, terms and conditions and exclusions are set out in the policy document, which is available on request. For a copy of any policy document, please contact us.
While we have endeavoured to ensure that the content and material on this website is correct, we do not warrant its accuracy, reliability, completeness or that it is up to date. In no event shall we be responsible for any loss or damage of whatever kind arising out of access to, use of, or reliance on any information contained on this website.
Any application you make to us for insurance benefits is subject to approval by the insurer concerned, prior to any policy being issued, and being in force.

Use our calculator to work it out
You can also add Trauma/Major Illness cover to your Life Insurance quote Trauma/Major illness covers a range of serious conditions. What's Trauma cover?
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