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Continuation Options

A continuation option enables you to continue your life insurance and other cover from your employer’s plan when you leave service, without any assessment of your health.

Discounts and Promotions

One Month

Premium Free

for eligible new policies.
Details

Earn 5x

Airpoints Dollars™

for three months (then 1x).
Details

10%–15%

Multi-Benefit Discount

for multiple types of cover.
Details

10%

AIA Vitality Discount

when you join AIA Vitality.
Details

Get Apple Watch.

Get Active. Get Rewarded.

With AIA Vitality.
Details

If you are insured under an AIA workplace insurance plan with your employer, and you are either leaving service or you have left service within the last 45 days (or in the last 60 days in some plans), then you will likely have a continuation option under the plan. This means that you are able to take out an insurance policy directly with AIA, up to the amount of cover you had under your employer’s plan, on favourable terms.

The Value of a Continuation Option

Continuation options are valuable. They enable you to take out insurance cover without undergoing any medical examinations or tests, or answering any health questions. All you need do is to complete a simple online form to apply for your cover. This means that any medical condition or state of health which you may have developed after obtaining cover under your employer’s plan is disregarded when you exercise your continuation option.

Continuation options are particularly valuable if you gained admission to your employer’s plan under the plan’s automatic acceptance terms. This means that any medical condition or state of health which you may have developed both before and after joining your employer’s plan is disregarded when you exercise your continuation option. In other words, no medical condition or state of health which you may have developed in your entire lifetime can be considered when you apply to continue your cover.

Important Information

  • Any continuation option which you may obtain is subject to all of the terms and conditions set out in your employer’s workplace insurance policy.
  • In particular, for any continuation option which you exercise, AIA will issue an individual policy without further evidence of health at the rate of premium then in use by AIA for such policy having regard to any conditions of membership under your employer’s workplace insurance policy, your age, gender and smoker status, your new occupation, the type of insurance you select and any particular hazard attributable to circumstances other than health.
  • This website does not provide personalised advice, and it takes no account of your personal insurance needs or circumstances. In particular, the information in this website is not personalised financial advice for the purposes of the Financial Advisers Act 2008 and should not be relied upon in making a decision about insurance.
AIA

AA

AIA New Zealand Limited has been given an AA (Very Strong) insurer financial strength rating by Fitch Ratings, an approved rating agency. View details

Discounts and Promotions

One Month Premium Free for eligible new policies.

Earn 5x Airpoints Dollars™ on premiums paid.

10%–15% Multi-Benefit Discount each year if your cover includes life insurance (Life Cover and/or Family Protection) and at least one other eligible benefit (minimum cover required).

10% AIA Vitality Discount when you join AIA Vitality.

Get Apple Watch. Get Active. Get Rewarded. with AIA Vitality.