Have you ever considered how you'd get by without your income? Income protection is designed to help you get back on your feet if you are unable to work due to an accident1 or sickness1. Be covered for up to 75% of your Pre-Disability Income up to $10,000 per month.
If something happens to you then you’ll receive a monthly benefit to help with any expenses, including:
An Income Protection provided by AIA Australia policy may provide you with a monthly income in the event you are unable to work due to an accident1 or sickness1. Income Protection provided by AIA Australia pays a monthly benefit of up to 75% of your monthly income2, so you can focus on getting better and back to work, without having to worry about how to pay your monthly bills.
There are some occupational exclusions which won’t cover you if death, injury or sickness is a result of carrying out the duties of certain hazardous occupations. Other exclusions include self-inflicted injury1 or sickness1, suicide, criminal activity, war/riots or pregnancy.
Refer to the PDS for further information about discounts.
1 accident, sickness and injury all have specific meanings set out in the Product Disclosure Statement (PDS).
2 the benefit paid is the lesser of your Sum Insured and 75% of your monthly Pre-Disability Income.
3 Specific injuries have specific meanings set out in the PDS.
Life Insurance provided by AIA Australia (Life Insurance) and Income Protection provided by AIA Australia (Income Protection), as described on this website, are provided and issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). AIA Australia is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia or the products it offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate.
AIA Australia has adopted the Financial Services Council Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at fsc.org.au.
AIA Vitality is provided by AIA Australia and the information on this page is provided by AIA Australia. Eligibility for membership to the AIA Vitality program arises under, and is subject to, the AIA Vitality Terms and Conditions. Access to the AIA Vitality program as a result of holding Life Insurance or Income Protection requires your annual premium on your Policy or combined annual premium on all Life Insurance and Income Protection policies to be equal to or greater than $750 per person and does not require eligible individuals to pay any additional costs, as the cost of the program has been factored into your premium, if applicable. AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see aiavitality.com.au.
Financial Planners are representatives of Commonwealth Financial Planning Limited (Commonwealth Financial Planning) ABN 65 003 900 169, AFSL 231139, a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.