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AIA: Health Insurance

AIA Private Health is New Zealand health insurance covering surgical treatment, cancer care, specialist consultations, and major diagnostic imaging, designed to fund access to private healthcare and reduce reliance on public hospital waiting lists.

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A (Excellent)
Financial strength
International
AIA Group (HK)
91%
Claims paid

Our public health system and ACC do a great job supporting people who require urgent medical attention. However, many health issues Kiwis face are either not accidental or can result in delayed treatment due to long waiting lists and can cost thousands. Health insurance removes the worry around unexpected medical bills so you can focus on getting the right treatment and start your recovery sooner.

KEY BENEFITS OF OUR HEALTH INSURANCE

  • There’s no annual limit on the amount you can claim for surgeries, both cancer and non-cancer related

  • Includes $500,000 extensive cancer cover for every stage: from diagnosis, to treatment and recovery

  • Available to children from birth and there's no underwriting required within their first three months of life

  • Provides up to $200,000 for major diagnostic imaging and testing

  • Options to have treatments overseas

  • Access to our Enhancement Pass Back Benefit which is our commitment to you to keep our insurance relevant. Changes we make to our AIA Living products in the future are automatically passed back to you, offering you even more at claim time

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Easy to understand, easy to decide.

Common questions about AIA health insurance

Will my premiums go up each year?

It depends on what policy you select. Traditional stepped premiums do increase each year on your policy anniversary. Level premiums do not increase with your age for a specified period of time.

Am I locked into the cover for a certain period?

No. If you cancel your policy in the first 14 days your premiums will be refunded. After the 14 day free look period you are able to cancel your cover at any time.

How can I pay my premiums?

You can choose your method of payment you prefer e.g., Credit card, monthly Direct Debit or Cheque.

Do I have to pay on fortnightly basis?

No. You can choose your payment frequency i.e. weekly, fortnightly, monthly or on an annual basis.

Are medical tests required?

In most cases no medical tests are required. Each application is considered on an individual basis. If you are required to undergo any medical test they will be paid for by the insurance provider and at no cost to you.

Can I apply directly with the insurance providers for cheaper cost?

No. Most insurance providers prefer to work through intermediaries like us rather than dealing directly. We don’t mark up policies. In fact, we guarantee your premium is the same as going direct.

Other AIA products

Trauma Insurance

AIA Living Critical Conditions pays a lump sum if the insured is diagnosed with one of more than 50 specified serious medical conditions, with built-in children's trauma cover and an Enhancement Pass Back Benefit that automatically applies product improvements to claims without requiring a policy rewrite.

Trauma Insurance details →
Life Insurance
Life Insurance details →
Mortgage, Income and Rent Cover

AIA Living Mortgage and Income Protection pays a monthly benefit if the insured cannot work due to illness or injury, with the key distinction that benefits are paid in addition to any ACC entitlements rather than being offset against them, making it suitable for homeowners who want protection on top of ACC coverage.

Mortgage, Income and Rent Cover details →

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