Here is an online calculator that may be able to help you.
For income protection insurance, the level of cover available is limited to 75% of your Pre-Disability Income, to a maximum of $10,000 per month.
Income protection insurance provides a monthly benefit when you cannot work due to sickness or injury. The level of income protection cover is limited to 75% of your Pre-Disability Income, to a maximum of $10,000 per month.
Once the Waiting Period has expired, benefits start being paid and will continue to be paid for the length of the Benefit Period, as long as you are still unable to work due to sickness or injury. Once benefits have been paid for the length of the Benefit Period, no more benefits for that sickness or injury will be paid, though you may qualify for further payments at another time for a different sickness or injury.
Contact us to get a claim form:Phone: 1800 069 922
PO Box 5595
St Georges Terrace, Perth WA 6031
To process the claim we may need additional information. We will advise you if this is required.
AIA Vitality is an award-winning health and wellness program that supports and rewards you for being healthy. Being part of AIA Vitality gets you access to great discounts on travel, gym memberships, fitness devices and healthy-eating programs to make getting healthy easy.Find out more about AIA Vitality.
- Complete your AIA Vitality Health Review to discover the state of your health. AIA Vitality members can earn AIA Vitality Points for completing this.
- Based on your Review, AIA Vitality suggests personal health goals. You select which of the recommended goals you would like to set. Using AIA Vitality partners to help you reach those goals will earn you points along the way.
- Getting healthier earns you the rewards. The more points you earn, the greater the rewards you get to enjoy.
To access AIA Vitality and its benefits, you first need to be covered under an RAC Life Insurance policy. Once you have cover, you’ll then need to activate your AIA Vitality membership.
AIA Vitality rewards members for making healthy choices. As you work towards becoming healthier, you’ll have the added incentive of earning AIA Vitality points. The more points you earn, the higher your status, which gives you access to bigger rewards and discounts on travel, gym memberships, fitness devices and much more. The AIA Vitality app is a great way to track your health and wellness journey, with access to online tools and assessments to help you live healthier and get more out of life.
To activate your AIA Vitality membership or for general enquiries please contact AIA Vitality:Phone: 1800 848 254
Monday to Friday 8am to 7pm
You may also be required to take out a level of cover sufficient to meet the minimum premium. The premium amount includes government charges such as stamp duty and taxes.
We will send you a Policy Schedule outlining your accepted benefits, Sum Insured, Policy Commencement Date and each cover’s Expiry Date.
For income protection insurance
Yes. You can decrease your cover (subject to the minimum Sum Insured or premium requirements) at any time by contacting us. You can apply to increase your cover (up to the maximum amount, up to75% of your income to a maximum of $10,000* per month) at any time. To increase your cover you may need to answer some additional health and lifestyle questions.
AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see
aiavitality.com.au. Partner terms and conditions may also apply.