Help & support
AIA Australia’s Total and Permanent Disablement (TPD) cover provides a lump sum payment if you’re permanently unable to work due to sickness or injury.5 You can include TPD as an optional add-on to your Life Cover policy.
It’s designed to help cover the expenses of lifestyle adjustments, manage living expenses, and other payments if you’re no longer able to earn an income.
Whether it’s modifying your home or supporting your family, TPD cover gives you the freedom to use your payout as you need.
Help cover any medical costs, lifestyle adjustments, or home modifications needed to accommodate your disability.
Whether that's covering household expenses, paying off your mortgage or supporting your children's education.
When you apply online.
You can choose from Income Protection and Life Cover. You can also add Total and Permanent Disablement (TPD) and Crisis Recovery (Trauma) cover to your Life Cover policy. Each serve a different purpose:
Total and Permanent Disablement (TPD) cover
Optional add-on to your Life Cover policy
Provides a lump sum payment to support you if you become totally and permanently disabled and are unable to work.5
Life Cover
Provides a lump sum payment if you pass away or are diagnosed with a terminal illness.
Crisis Recovery (Trauma) cover
Optional add-on to your Life Cover policy
Provides a lump sum payment if you experience a specified traumatic health event2 such as a stroke, heart attack or cancer diagnosis.
Income Protection
Provides a monthly payment of up to 70% of your income if you’re unable to work due to sickness or injury.1 Premiums may be tax-deductible.
We’ve partnered with AIA Australia to bring you TPD cover insurance that supports you and your family in times of need.
Over 3.1 million Australians trust AIA Australia to help them protect what matters most with over $2.6 billion paid in direct, retail and group life insurance claims in 2024.
Priority Protection is AIA Australia’s suite of products that caters for a range of insurance needs including life, TPD, trauma and income protection insurance.
AIA Australia is committed to helping you make healthier lifestyle choices everyday with rewards along the way.
Be rewarded for a healthier lifestyle with AIA Vitality
Take out a policy for life insurance with an annual premium over $5403 and you can attach AIA Vitality. It’s a personalised, science-backed health and wellbeing program that incentivises you to move more, eat well and complete regular health checks.
Get a Life Cover quote
Select ‘Start quote with AIA’ and choose your Life Cover amount to get started.
Add Total and Permanent Disablement (TPD) cover
Choose TPD cover as an optional extra when setting up your policy.
Apply for cover
If you're happy with your quote, you’ll need to answer some questions about your health and lifestyle.
Review and purchase
You'll find out if you're approved straight away. Then, all that's left to do is confirm your details and purchase your cover.
TPD cover or Crisis Recovery cover must be linked to Life Cover under this product. If you’re seeking stand-alone TPD cover or Crisis Recovery cover, an AIA Financial Wellbeing Planner can assist you.
Serious injury or sickness can happen at any age. If you're permanently unable to work5, TPD cover provides a lump sum payment to spend as you need, to avoid financial hardship and protect your future.
If you're a member of an Australian superannuation fund, you may already have TPD cover as part of your plan. However, it might only give you a default level of cover. Check what you're already covered for with your super fund provider or employer before considering if you need extra.
It includes most serious physical and mental health conditions that cause permanent disability, like cancer, heart disease, paralysis, or PTSD. Exclusions may apply for pre-existing conditions, self-inflicted harm, or criminal activity. Always check your policy’s specific terms in the Product Disclosure Statement.
For any questions or claim enquiries, call AIA Australia on 1800 491 588, Mon–Fri, 9am–5pm (Syd/Melb time).
Find documents for Life Insurance and Income Protection policies provided by AIA Australia purchased before 17 November 2025.
Alternatively, an AIA Financial Wellbeing Planner can help you decide what cover is best suited to your personal circumstances and budget.
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1 Accident, Sickness, Illness, Injury, Total Disablement (Income Protection CORE) and Partial Disablement (Income Protection CORE) have specific meanings set out in the Product Disclosure Statement (PDS). Please refer to the PDS for a detailed description.
2 Trauma events have specific meanings, and a payment is only payable if you meet the precise meaning of the definition as set out in the PDS. You must read the entire PDS including the medical definitions section of that document.
3 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 $540 per person.
4 You can earn up to $260 in Active Benefits each membership year for reaching your personalised physical activity targets each week. You can also earn up to $500 in Shopping Rewards each membership year. Earn a Shopping Reward once you achieve Silver Status and for every 5,000 AIA Vitality Points you earn thereafter, up to 35,000 points each membership year. 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 aia-vitality-terms-conditions.pdf.
5 TPD - Any Occupation definition: Provides a lump sum payment if you are unlikely to ever return to work in any occupation that is suited to your education, training or experience, after being continuously disabled for at least three months due to an Injury or Sickness. Please refer to the PDS for a detailed description.
Priority Protection provided by AIA Australia (Life Cover, Total and Permanent Disablement, Crisis Recovery and 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.
The information on this page is intended to provide general information. It is current at the date of publication and may change. It has been prepared without taking into account your objectives, financial situation or needs and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should, before acting on this information, consider the appropriateness to your circumstances and needs and read the relevant product documents (Product Disclosure Statements (PDS), fact sheets, fund rules and terms and conditions) before deciding to acquire or continue to hold any of these products. For Priority Protection provided by AIA Australia (Life Cover, Total and Permanent Disablement, Crisis Recovery and Income Protection), you should refer to the relevant Product Disclosure Statements (PDS) before making a decision on the product. If necessary, you should consider obtaining advice from a financial, tax, medical or health professional.
AIA Australia has prepared Target Market Determinations (TMDs) which describe the class of consumers that comprise the target market for each cover type available for this product. The Target Market Determinations can be sourced at www.aia.com.au/tmds.
AIA Australia has adopted the Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at aia.com.au/en/about-aia/about-us/industry-standards.
For any questions about these products, call AIA Australia on 1800 491 588, Mon–Fri, 9am–5pm (Syd/Melb time). Neither CBA nor any of its related bodies corporate are authorised representatives of AIA Australia. For more information on the financial services CBA provides, you should read CBA’s Financial Services Guide and Privacy Policy. If you purchase a Priority Protection policy, CBA is paid a commission by AIA Australia which is a percentage of your premium.
