LifeDirect / AIA Vitality special offer

If you get a new AIA policy between the 18th of September 2023 and 31st August 2025, LifeDirect has a special offer where we'll cover your first years' worth of your AIA Vitality fees!

What is AIA Vitality

AIA Vitality is a science-backed health and wellbeing programme that provides the guidance, tools, and rewards to get more out of life and start thriving. It shows you how healthy you are now, provides you with tools to start improving your health, and offers amazing rewards and discounts from our partners to keep you motivated along your journey.

You can find more information about it on the AIA Vitality website.

Why should I get AIA Vitality?

Not only does the programme provide all the benefits mentioned above you also get a discount on your AIA policy premiums for hitting certain targets. For the first year, while you're learning the programme and working out how it works, AIA offer a 10% discount on your first years' premiums simply for being subscribed. 

As you use the programme, earning points and completing tasks, each year you can unlock discounts on your premiums and have access to many other discounts and offers through the programme. 

What happens after the first year?

After the first year of your policy, you will continue to be liable for the payment of your policy premiums and fees, and the AIA Vitality fees. With AIA Vitality you may unlock discounts on your premiums, but this discount can change subject to your engagement with the programme.

How do I get the offer?

1. Apply and get a new AIA policy while the offer is valid
2. Sign up to AIA Vitality
3. Claim your cashback and the offer in MyLifeDirect

Once the offer is claimed, LifeDirect will send you a cashback each month until the end of the first year of your policy. We can't pay the AIA Vitality fee on your behalf, but we can provide you a monthly cashback to cover it.

As long as you continue having the AIA policy and remain subscribed to AIA Vitality for that first year of your policy, we'll pay your LifeDirect/AIA Vitality special offer cashback.

LifeDirect offer Terms and Conditions

1. Acceptance of terms: By taking out an AIA insurance policy which has the Special Offer ("Offer") applying to it (an “Eligible Policy”), you agree to these terms and conditions (“Terms”) which are between LifeDirect 2020 Limited (“LifeDirect”) and you. LifeDirect may update these Terms at any time without notice to you but will adhere to the terms that applied at the time you took out the Eligible Policy.

2. Cashback: A “Cashback” is where LifeDirect offers to make a cash payment to you to cover one months' worth of your AIA Vitality fees. This cashback will be paid to you each month while the offer remains valid up to a maximum of one year from your policy commencement date.

3. Other requirements for the Offer: The Offer will only be payable where:

   1. your Eligible Policy is active; and

   2. you submit an application for an Eligible Policy and have that policy issued during the period(s) specified by LifeDirect to you, or if not specified, for a limited time (which may be determined by LifeDirect at its reasonable discretion and without notice to you); and

   3. you have signed up to the AIA Vitality programme; and

   4. you have activated your AIA Vitality account; and

   5. you have claimed the Offer through the MyLifeDirect portal.

4. Exclusions: You are not eligible to receive the Special Offer if you:

   1. have had an existing AIA policy through LifeDirect (unless you are taking out additional cover); or

   2. do not have an AIA policy taken out through LifeDirect; or

   3. take out a policy through a financial adviser we have connected you with.

5. Other fees still apply: If you take out an Eligible Policy, unless LifeDirect notifies you otherwise, you will remain liable to pay:

   1. the applicable premiums, at the amount(s) and interval(s) agreed between you and your chosen insurer; and

   2. any applicable policy set up fees, payable directly to your chosen insurer; and

   3. the AIA Vitality fee

6. Cancelled or lapsed policies: If you, do any of the following (a - d), the Cashback for this offer will become invalid and LifeDirect will stop any further payments related to this Offer to you.

   1. cancel your policy;

   2. allow your policy to lapse through non-payment; or

   3. cancel your AIA Vitality programme subscription

   4. allow your AIA Vitality programme subscription to lapse through non-payment

7. Liability: To the fullest extent permitted by law, LifeDirect shall not be responsible for any loss, damage or injury whatsoever suffered by you in respect of the subject matter of these Terms (including but not limited to any direct, indirect, consequential, special, punitive or incidental loss or damages) and LifeDirect’s liability to you will in all circumstances be limited to the value of the Cashback or Special Offer. For the avoidance of doubt, nothing in these Terms is intended to modify or negate a consumer's rights under the Consumer Guarantees Act 1993.

8. Privacy: Your information collected by LifeDirect for the purposes of these Terms is held and used by LifeDirect subject to its privacy policy.