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AIA Australia – Income Protection Insurance

AIA Australia is part of the AIA Group — the largest publicly-listed life insurance group in the Asia-Pacific region, with a presence in 18 markets.

AIA Australia is a life insurance specialist with over 47 years of experience. It offers a range of products that protect and enhance the lives of more than 3.8 million Australians and it’s recognised as a market leader in product innovation and development.

AIA’s health and wellbeing program AIA Vitality, is a personalised, science-backed program that supports you every day to make healthier choices. It helps you to understand the current state of your health, provides tools to improve it and offers great incentives to keep you motivated on your journey. These include lifestyle rewards, savings on your everyday expenses and even discounts on your life insurance premiums.

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Income Protection

  • Provides you with a monthly payment if you’re unable to work because of illness or injury, allowing you to focus on recovering while still being able to pay for your living expenses
  • Two types of cover available:
    • Income Protection – provides you with a monthly income if you become totally or partially disabled due to sickness or injury
    • Income Protection Accident Only – provides you with a monthly income if you become totally or partially disabled due to accidental injury
  • Benefit period options depending on which cover you choose include two years, five years, two years to age 701, up to age 65 or 702
  • Waiting period options depending on which cover you choose include 14 days, 30 days, 60 days, 90 days, one year or two years
  • Covers up to 75% on your pre-disablement income (depending on your occupation, entry age and income up to $60,000 monthly benefit) with an insured monthly benefit on indemnity cover
  • Choose cover outside or inside your super
  • Stepped, level or optimum premium options
  • Complimentary interim cover
  • Death benefit – six times your insured monthly benefit up to $60,000
  • Ability to extend cover with Advantage Optional and PLUS Optional3
  • Cover applies to anywhere in the world, 24 hours a day

  1. Depending on the type of cover selected.
  2. Available on Income Protection cover only.
  3. Available on Income Protection and Income Protection Accident Only cover only.

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