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
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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.
Brad Buzzard
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.
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.
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.
750 per visit+ 750 if results are in healthy range
Health review (via app)
1,000
Fitness assessment
750 per visit + 750 if results are in healthy range (two visits per year)
Mental wellbeing assessment (online)
150 points (twice per year)
Vaccinations (flu, HPV, pneumococcal)
1,000
Mammogram
1,000
Pap smear
1,000
Colon cancer check
1,000
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.
Action
Points earned
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
Non-smoker's declaration
1,000
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.
Category
Brand/
product
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.
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 70% cashback
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)
See the detail below:
Hoyts
It's easy: AIA Vitality members can head to aiavitality.com.au and click on the Hoyts rewards tab. Simply select which movie you want to see, enter your details, and your vouchers will be emailed to you. Print them out, take them to the cinema candy bar and you're on your way! You can also redeem vouchers online at the Hoyts website for a small online booking fee.
How many vouchers can I use each month?
You're entitled to up to six discounted tickets (adult or child) every month if you're an AIA Vitality member. Any standard voucher can be upgraded for a fee to a Bean Bag Cinema, Xtremescreen or 3D film, but aren't valid for Hoyts Lux, Hoyts IMAX or special events. Some group events may not be eligible for discounted vouchers. Even if your AIA Vitality membership lapses for any reason, you can still use any vouchers you've already purchased for up to 30 days afterwards.
Are any sessions excluded?
You can't use vouchers for session times after 2pm on Saturdays or Sundays, or on public holidays. Other than that, go forth and enjoy cinema in style!
Additional perks: Gift cards for your friends and family
If you're keen to pass on the cinema experience, AIA Vitality offers 10% off e-Gift cards which let that special someone choose what they want to watch and when, at any Hoyts cinema.
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 Spa
Up to 50% off
Shopping Rewards
Up to $650 gift cards
Jawbone
Save up to 20%
Step Into Life
40% discount
Flight Benefit
Discounted flights
Anytime Fitness
Exclusive rate for membership at $59.90
Allan Carr’s Easy Way to Stop Smoking Courses
50% discount
Fitbug
Up to 30% off
Fitbit
25% discount
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:
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:
MaxLife
RACQ
RAC
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!
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