Discover the benefits of AIA's health reward program AIA Vitality
As a life insurance specialist, AIA Australia is not owned by a bank. It offers a range of flexible and comprehensive life cover options, and constantly reviews its products and services to ensure they meet the needs of all Australians. In fact, the company provides life insurance cover to more than 2.5 million Australians—that’s around 20% of the working population.
AIA Vitality is a health and wellness program for customers of the insurance company. Launched in November 2013, the program offers members the knowledge, tools and motivation they need to improve their health. Members are encouraged to learn more about and improve their health, and are rewarded with discounts from commercial partners along the way. In addition, participating in the program and improving their health can result in significant discounts on life insurance premiums for members.
AIA Vitality was launched in a bid to improve the health of Australians and tackle a “chronic illness epidemic”. According to AIA Australia, in countries like the UK and USA where Vitality has already launched, data collected shows an improvement in members’ health, lower health premiums and lower hospital admission rates.
What is AIA Vitality?
AIA Vitality is a health and wellness program for customers of the insurance company. Launched in November 2013, the program offers members the knowledge, tools and motivation they need to improve their health. Members are encouraged to learn more about and improve their health, and are rewarded with discounts from commercial partners along the way. In addition, participating in the program and improving their health can result in significant discounts on life insurance premiums for members.
AIA Vitality was launched in a bid to improve the health of Australians and tackle a “chronic illness epidemic”. According to AIA Australia, in countries like the UK and USA where Vitality has already launched, data collected shows an improvement in members’ health, lower health premiums and lower hospital admission rates.
How does the AIA Vitality program work?
The AIA Vitality program provides the information and tools members need to achieve their health goals. When they sign up to the program, members begin by completing full health and fitness assessments. Then they can earn points as they work to improve their health, with those points entitling them to a range of great rewards.
Points can be earned in two ways:
- Knowing your health: In order to get healthier, you first have to know what your health status is and any risks you may be facing. Members can earn points by completing a number of educational health assessments, such as the mental wellbeing assessment, weight and height assessment, cholesterol check, pap smear, dental check up, or even receiving a flu vaccination.
- Improving your health: The active steps you take to improve your health can entitle you to more reward points. Going to the gym, going for a walk or run and eating a healthy diet can all earn points. Discounts with partners like Weight Watchers, Anytime Fitness and Fitbit can also help you improve your health.
How the AIA Vitality program can benefit members
The program provides a host of benefits to members. As people get healthier, earn AIA Vitality Points and build up their AIA Vitality Status, they get access to a range of lifestyle rewards in areas like travel, shopping and entertainment. You can enjoy discounted airline fares from Qantas, Myer gift cards, and cheap movie tickets from Hoyts.
The most substantial reward offered under AIA Vitality, however, is in the reduction of life insurance premiums. Vitality members who sign up for a lump sum policy receive an initial annual discount of 7.5% off premiums. This annual discount increases (to a maximum of 20%) as you move up through the membership tiers.
Earning points through your AIA vitality membership program
New AIA Vitality members start off with Bronze status. As you learn more about and improve your health, your status is upgraded to Silver (10,000 points), Gold (20,000 points) and Platinum (30,000 points). The amount of discount you can receive off your life insurance premiums increases as you graduate from one membership tier to the next.
As mentioned above, the first way you can earn points is by knowing your health. Familiarising yourself with your health status and risk factors you face is the first step. You can complete your AIA Vitality health review and set goals to create your personal pathway to a healthier life. You can undergo health checks—blood pressure, cholesterol, random blood glucose, weight and height assessment—to see how healthy you are.
More advanced testing, such as pap smears, mammograms and colon cancer screens, can be conducted by your GP or specialist. Receiving vaccinations and undergoing dental check ups also helps you earn points, as does learning more about your fitness level at one of AIA’s gym partners and learning about nutrition from a selected dietician.
The second way you can earn points is by working to improve your health. Provide proof of exercise in the form of pedometer readings or by joining up to one of AIA’s gym partners. Buy food from Aussie Farmers Direct to improve your diet and earn further points.
Save on your AIA life insurance premium with AIA Vitality
Membership of the AIA Vitality program entitles you to significant discounts on your insurance premium. If you sign up for a life, trauma or total and permanent disablement policy with AIA Australia, you’ll receive an initial annual discount of up to 7.5% off your premiums. You’ll receive a discount every year, with the exact percentage of discount you receive dependent on your Vitality membership status.
In order to receive the maximum discount of 20%, you’ll need to reach Platinum status. In terms of income protection cover, a maximum premium discount of 15% is available.
In addition, every fifth year, members receive cash back on the premiums they have paid. Depending on the status levels you attain over the five-year periods, the cash back amount ranges from 2-10% of your annual premium.
Access additional discounts available to members of Vitality
AIA Vitality membership also entitles you to a range of great discounts with AIA Australia’s commercial partners:
| AIA's Partners | Benefits |
|---|---|
| Chemmart Pharmacy | Get a free AIA Vitality Health Check at participating Chemmart Pharmacies |
| Accredited Practising Dietician | Save up to 50% |
| Vitality Active Benefits | Boost Juice vouchers |
| Garmin | Save up to 25% |
| Qantas | Up to a 35% discount off domestic and international fares |
| My Food Bag | Save 15% |
| Jaggad Life Athletic | Save up to 50% |
| Hoyts | Up to 6 discounted memberships a month |
Endota SpaUp to 50% offShopping RewardsUp to $650 gift cardsJawboneSave up to 20%Step Into Life40% discountVirgin ActiveSave 50% on flexi membershipFlight BenefitDiscounted flightsAnytime FitnessExlusive rate for membership at $59.90Allan Carr’s Easy Way to Stop Smoking Courses50% discountFitbugUp to 30% offFitbit25% discount
How can I join the AIA Vitality program?
The AIA Vitality program is only available to those who take out an AIA Australia Priority Protection Plan for life insurance cover. If you’d then like to join the AIA Vitality program, simply sign up through your financial adviser to become a member.
You’ll then be sent a welcome pack and an email with details on how to set up and register an account. Your account can be accessed through the AIA Vitality website or through a smartphone app available from the App Store for iPhones and Play Store for Android users.
