AIA Vitality is one of the most comprehensive life insurance rewards programs on the market. This guide will take you through how to get cover and take advantage of discounts.
Like most life insurance rewards programs, AIA Vitality rewards your healthy lifestyle with discounted premiums. But what sets it apart from the competition is the full spectrum of lifestyle resources it offers, including automatic access to generous lifestyle rewards, an online member’s hub where you can earn points for additional rewards and a wide range of health and fitness resources to help you stay healthy.
Features and benefits at a glance
- Savings on AIA insurance policies
- Tools to track and improve your health
- Discounts for shopping, lifestyle and travel products
Case Study: How I make the most out of AIA Vitality
I’m actually a member of AIA Vitality, which I was able to join through my life insurer RAC. The program more than paid for itself on day 1, when I joined Virgin Active and was able to save 50% on my gym membership.
Since then, I’ve been trying to earn as many Vitality points as possible so I collect even more discounts and rewards. Just yesterday, a $20 JB Hi-Fi gift card hit my inbox just for taking a few online health questionnaires.
Not to mention the discount I get on my premiums.
Insurance writer for finder.com.au and member of AIA Vitality
Aside from the cost savings, there are the health benefits I’ve gotten by tracking my fitness levels in the app and taking that knowledge with me to the gym.
For me, the benefits are more than worth the cost.
How can this page help me?
How does the AIA Vitality program work?
After you purchase a participating life insurance policy, you’re automatically eligible to sign up for AIA Vitality.
1. Immediate discounts on your life insurance policy
Once you sign up, you’ll automatically get three things:
- An immediate discount on your policy
- Immediate access to a range of lifestyle rewards and discounts
- Access to an online members hub where you can track your fitness levels and learn how to improve your health.
2. Extra rewards for staying active (Vitality points)
After signing up, the program encourages you to stay active by offering a point earning system to unlock more rewards:
- ‘Vitality Points’ makes learning about your health fun. It feels like a game by letting you earn points for various fitness-related tasks like taking an online health assessment or getting a dental check up. The more points you earn, the higher your membership status becomes: you start out at bronze and can move up to silver, gold and platinum.
- A great variety of rewards are offered. The higher your membership status becomes, the more rewards you can earn e.g. discount off Fitbit.
- Ongoing premium discounts. Your initial premium discount is only temporary, and the only way to keep it is by earning enough points for gold status. If you haven’t reached gold, your discount gets reduced little by little every year. With gold status, your discount remains the same. With platinum status, your discount can actually increase.
3. Cool rewards for simply being a member
You'll get access to some automatic rewards for simply being a member:
- 50% off Hoyts tickets
- 25% off Fitbit
- Discounts on gym memberships e.g. Fitness First, Anytime Fitness.
AIA Vitality points system
The AIA Vitality program uses a points system to encourage you to remain fit and active. The more points you earn, the higher your status becomes. And the higher your status becomes, the more rewards you can unlock.
Here’s how many points you need to reach each status:
- Bronze. None. You start off at bronze just for joining.
- Silver. 10,000 points.
- Gold. 20,000 points.
- Platinum. 30,000 points.
How can I earn points?
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, 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.
|Nutrition tracking (via Fitbit app)||1,200 (per quarter)|
|Get Active (via app)||50 (7,500-12,499 steps)100 (12,500 steps and above)|
|Gym membership||100 points per visit at the following fitness centres: Anytime Fitness, Fitness First, Step Into Life, Virgin Active|
|Organised fitness events||up to 1,500|
|Goals (via app)||up to 6,000|
|Fitness assessment||750 per visit + 750 if results are in healthy range (two visits per year)|
|Quit smoking (by signing up for Allen Carr's Easyway program)||1000|
What benefits can members get from the AIA Vitality program?
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.
|Rewards||How to earn|
|Insurance premiums||An eligible policy underwritten by AIA||15% off term life, trauma and TPD
7.5% off income protection and business expense
|Automatic for every member but can decrease a little every year if you don’t increase your status.|
|Gift cards||Myer, JB Hi-Fi, Woolworths, Rebel, Dymocks||Free $20 - $200 gift cards.||Your first 5,000 points gets you a $20 gift card and every 5,000 points after that gets you a gift card worth $20 more than the one before it (up to $200).|
|Gift cards||Boost Juice, Woolworths, iTunes, HOYTS||Free $5 gift card per week||You must download the Vitality app, connect a fitness tracker or visit a connected gym and achieve your “Active Benefits” target that is set by the app.|
|Movies||Hoyts||50% off tickets||Automatic for every member (up to 6 per month)||Learn more|
|Travel||Qantas||10%-50% off domestic and international flights||Automatic 10% for every member. Members with higher statuses get higher discounts (two flight discounts per year, max)|
|Spa||endota spa||20% - 50% off||Automatic 20% for every member. Members with higher statuses get higher discounts (four discounts per year, max)||Learn more|
|Dietician||Any Accredited Dietician||30% off initial consultation||Automatic for every member.|
|Fitness Trackers||Fitbit||Up to 25% off||Automatic for every member|
|Fitness Trackers||Garmin||25% off||Automatic for every member|
|Apparel||Jaggad Life Athletic||30% off everything||Automatic for every member|
|Gym Memberships||Virgin Active||50% off flexi membership (which has no signup fee)||Automatic for every member||Learn more|
|Gym Memberships||Fitness First||30% off membership (you pay the signup fee)
$20 cash back from AIA Vitality every quarter
|Membership discount is automatic for every member
You’ll earn cash back every quarter that you visit the gym 24 seperate days
|Gym Memberships||Anytime Fitness||50% off joining fee
10% off monthly membership (12-month contract)
$100 cash back from AIA VItality every quarter
|Joining fee and membership discount is automatic for every member
You’ll earn cash back every quarter that you visit the gym 24 seperate days
|Outdoor Fitness||Step Into Life||40% off monthly training fees||Automatic for every member|
|Stop Smoking||Allan Carr’s Easy Way to Stop Smoking Courses||30% off
|The 30% discount is automatic for every member
You’ll earn the 70% cashback after you’ve shown proof of payment
How to earn discounts (key tips)
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:
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 based on the type of life insurance you buy. Here are the discounts every AIA member initially receives on their eligible policies:
- 15% off term life, trauma and TPD
- 7.5% off income protection and business expense
That discount can increase, decrease or stay the same based on your membership status.
Here’s how it works:
|AIA Vitality Status||Premium discount adjustment for term life, trauma and TPD||Premium discount adjustment for income protection and business expense|
|Platinum||Discount increase of 1% per year until you hit a maximum 20% discount||Discount increase of 2% per year until you hit a maximum 20% discount|
|Gold||No change to your discount||Discount increase of 1% per year until you hit a maximum 20% discount|
|Silver||Discount decrease of 1.25% per year until you lose your entire discount||Discount increase of 0.5% per year until you hit a maximum 20% discount|
|Bronze||Discount decrease of 2.5% per year until you lose your entire discount||No change to your discount|
In addition to this, every fifth year members receive cash back on the premiums they have paid. The cash back amount ranges from 2-10% of your annual premium depending on the status levels you achieved throughout the five-year period,
How can I join the AIA Vitality program?
AIA doesn't sell insurance directly so you’ll have to go through one of their life insurance resellers or through a broker. Some health insurers also offer it. The life insurance resellers currently offering AIA membership are:
- Life Insurance Direct
Purchased a participating policy from one of these insurers, and wait for two emails to come through. One from your insurer containing your membership number and one from AIA Vitality that should arrive a day or two later.
Follow the link in the AIA email, which will lead you to the AIA Vitality registration page. Pop in your personal details and your life insurance policy membership number from the first email. Voila! You’re now enrolled in AIA Vitality and have access to all those sweet, sweet perks!