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AIA Total Permanent Disablement Insurance

Secures your future if a serious illness or injury leaves you permanently disabled.

It's easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it's serious, we might be unable to work ever again. Permanent disability might not only prevent you from working and earning, it could substantially increase the cost of maintaining a comfortable lifestyle for you and your family.

With Total Permanent Disablement (TPD) Insurance you will get a lump-sum payment which can assist with your mortgage, covering medical expenses, modifications to your home or other bills so you can focus on adapting to your new world.

Key Benefits Of Our TPD Insurance

  • A lump sum to help cover costs such as medical treatments, employing a caregiver or ongoing household expenses.
  • Access up to $15,000 to help modify your home or vehicle, or buy specialist medical equipment to help adjust to your new circumstances.
  • Access to our Enhancement Pass Back Benefit which is our commitment to you to keep our insurance relevant. Changes we make to our AIA Living products in the future are automatically passed back to you, offering you even more at claim time.

Own Occupation

This option pays a lump sum if it becomes unlikely that you'll ever be able to work in the specific occupation you were involved in immediately prior to incapacitation.

Any Occupation

Being so incapacitated that it's unlikely you'll ever be able to work, which will pay remuneration greater than 25% of your pre-disability earnings, in your own or any occupation or gainful employment for which you are reasonably suited by education, training or experience.

Benefits Included

Assistance Benefit

Up to $15,000 (incl. GST) may be payable to cover costs of purchasing specialist equipment, completing home alterations or modifications for your vehicle which are necessary as a result of a TPD Benefit being payable.


Financial and Legal Advice Benefit

This enables you at claim time to access financial and legal advice from an AIA approved financial adviser or legal professional. AIA will reimburse you for fees up to $2,500 (incl. GST). This is a one-off payment across all AIA policies for each life assured.


Waiver of Total Permanent Disablement Waiting Period

If your medical condition enables an assessment to be made immediately that the disablement is total and permanent, and all the other claim requirements have been met then the normal three month waiting period is waived.


Premium Conversion Facility

You have the option to convert all or part of your sum assured to a level premium structure without further medical underwriting.


Partial Permanent Disablement Benefit

This is payable under certain circumstances (loss of sight in one eye, or loss of use of one hand or one foot); you may be entitled to the lesser of 25% of the sum assured or $100,000.


Special Events Increase Facility

Enables you to increase the sum assured under your cover following a significant event in your life which results in increasing financial responsibilities. These significant events include: having a child, your child starting secondary school, taking out or increasing a residential home loan or receiving a salary increase and other major events.


Suspension of Premium Benefit

Enables you to suspend your TPD insurance should you go on parental leave or on leave without pay for any reason, for up to 12 months. You cannot claim during this time or in the future for any health related conditions that occur during this suspension period.


Total Permanent Disablement Future Insurability Benefit

You can apply to increase your sum assured at every third policy anniversary without providing any further medical information. Limits and conditions apply and every increase in cover will require an increase in premium.

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