Learn about the benefits of AIA Vitality's health and wellbeing programme and see how you can take advantage of member perks and discounts of up to 50%.
AIA Vitality is a wellbeing program that rewards your healthy lifestyle with discounted premiums and other rewards.
AIA Vitality is available to most members of AIA health and life insurance, as well as some other programs.
It's a win win if you like AIA's products - you'll benefit, but also be less likely to claim.
How the AIA Vitality program works
After you purchase an eligible AIA life insurance policy, you’re automatically eligible to sign up for AIA Vitality. The program is also available on some health insurance policies too.
The key features vary based on what product you hold, but are generally the following:
1. Discounts on your life insurance policy
Receive an immediate discount on your policy as soon as you sign up.
Enjoy ongoing premium discounts: Your initial premium discount is only temporary, and the only way to keep it is by earning enough Vitality 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.
You'll also get 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. For example, a discounted Fitbit.
3. Exclusive rewards for simply being a member
You'll get access to some automatic rewards as an AIA Vitality member. These currently include:
Up to 50% off movie vouchers
Up to 50% cash back on eligible domestic and international flights
Up to 50% off spa and beauty e-Gift cards
Discounts on gym memberships at Fitness First, Anytime Fitness and Virgin Active
How the AIA Vitality points system works
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 when you join.
Silver. 10,000 points.
Gold. 20,000 points.
Platinum. 30,000 points.
How can I earn points in the AIA Vitality program?
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. 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.
Mental wellbeing assessment (via AIA vitality app or website)Up to 1,500 points (twice per year)
Action
Points earned
Nutrition assessment (twice a year)
1,000 (online assessment), Up to 2,000 (professional consultation)
Eye check (once every three years)
1,000
Dental check (each membership year)
1,000
Health check (through a GP or participating pharmacies)
750 per visit plus 1,000 if results are in the healthy range (capped at 7,000 points)
Annual health review (via AIA vitality app or website)
1,000
Fitness assessment at participating Virgin Active and Fitness First gyms
750 points per assessment, plus 750 if results are in the healthy range (Two visits per year, capped at 3000 points)
Annual skin self-examination (via AIA vitality app or website)
1,000
Annual Online non-smokers declaration (via AIA vitality app or website)
1,000
Annual vaccinations (Flu, Shingles, Pneumococcal)
1,000
Breast cancer screen
1,000 every year for 2 consecutive years
Cervical screening test
1,000 every year for 2 consecutive years
Bowel cancer screen
1,000 every year for 2 consecutive years
Improving your health
The active steps you take to get healthier can entitle you to more reward points. Going to the gym, going for a walk, run or meditating can earn you points. Discounts with partners like Anytime Fitness and Fitbit can also help you improve your health.
What life insurance benefits can I get from AIA Vitality?
The most substantial reward offered under AIA Vitality is in the reduction of life insurance premiums. Members who sign up for a lump sum policy receive an initial annual discount of 12.5% off premiums. This annual discount increases (to a maximum of 20%) as you move up through the membership tiers. Here's how it works:
Additional discounts and rewards available to you
Aside from rewards redeemed from your accumulated AIA Vitality points (see the full rundown of points rewards here, you can reap a range of benefits with AIA Australia’s commercial partners. The maximum discount applies for Platinum status, and lesser for Bronze, Silver and Gold members.
AIA's Partners
Benefits
HOYTS
50% off movie vouchers at HOYTS, HOYTS Lux, CMAX, Majestic and Grand Cinemas (Max. of 6 tickets per month).
Endota Spa
Up to 50% off (Max. of 4 vouchers per membership year).
$20/$40/$60/$80/$100/$200 eGift card at your choice of these retail partners - once you hit 10,000 points and for every additional 5,000 you reach thereafter. (Capped at 35,000 points per membership year).
Virgin Australia, Singapore Airlines
Up to 50% cashback on the base fare of eligible domestic flights by Virgin Australia and Singapore Airlines, plus Delta flights to/from Los Angeles. Flights must be booked via the Virgin Australia booking portal at aiavitality.com.au.
Spend: Uber, Uber Eats, Google Play, App Store & iTunes, participating AFL clubs, Optus – Apple Watch Series 6 (GPS & Cellular). Donate: Black Dog Institute, Cancer Council, Diabetes Australia, Youngcare, The Forktree Project. Save: Commonweath Bank
Receive a $5 voucher per week (if you hit your personalised Active Benefits target, excluding points earned through organised fitness events) to either spend on these listed retailers, charities or deposit into your nominated CBA account.
Why compare life insurance with Finder?
You pay the same price as buying directly from the life insurer.
We're not owned by an insurer (unlike other comparison sites).
We've done 100+ hours of policy research to help you understand what you're comparing.
How can I join the AIA Vitality program?
AIA doesn't sell insurance directly so you’ll have to go through one of their AIA life insurance resellers or through a broker. Some health insurers also offer it. The life cover resellers currently offering AIA membership are:
After submitting the online form, you will receive two emails. One from your insurer containing your membership number, and another 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!
Get in touch with a broker about a life insurance quote from AIA
Frequently asked questions
AIA Vitality is a well-being program that rewards members who choose a healthy lifestyle with discounted insurance premiums, ongoing shopping savings and lifestyle rewards.
AIA Vitality can be worth it if you take advantage of the rewards and discounts on offer. It can be especially beneficial for those who are either already active or are looking for encouragement to be healthy and save money.
AIA Vitality helps to keep you motivated by rewarding you for healthier lifestyle choices with savings on everyday expenses, cashback on eligible flights and discounts on your insurance premiums. You can earn points with a variety of health-based tasks including meeting daily step goals, going to the gym and completing an annual dental check.
To access AIA Vitality you can either join AIA health insurance or take out an AIA life insurance policy.
Francesca Guerrera was a Publisher at Finder, helping Aussies find the best deals when it comes to getting pet insurance for their fur babies or taking out life insurance. She has a Bachelor of Communications in Journalism from the University of New South Wales.
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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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With insurers encouraging us to get healthy with discounted gym memberships and cheaper premiums for low BMIs, are you reaping your share of the rewards? Find out here.
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