- Covers you for over 50 defined medical conditions
- Offers protection if you suffer a major medical condition that isn’t listed in the policy wording, but meets our definition of a ‘severe illness or injury’
- At claim time we’ll take into account the latest recognised medical diagnostic techniques used to assess your covered medical conditions
- Includes some built-in trauma insurance for your children, and is available standalone for children from 2 years old, to support your family should your child face a serious illness or injury
- 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
AIA: 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.
A (Excellent)
Financial strength
International
AIA Group (HK)
91%
Claims paid
FAP licensed IFSO member 4.8 (35 reviews)
Easy to understand, easy to decide.
Common questions about AIA trauma 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
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.
Health 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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