Death cover provides your dependants or beneficiaries with a lump sum payment in the event of your death.  Death cover includes Terminal Illness cover.  Terminal Illness provides a lump sum payment where you are suffering from an illness or have incurred an injury, that is likely to result in your death within a period of 24 months.

Death cover provides your dependants or beneficiaries with a lump sum payment in the event of your death.  Death cover includes Terminal Illness cover.  Terminal Illness provides a lump sum payment where you are suffering from an illness or have incurred an injury, that is likely to result in your death within a period of 24 months.

Total & Permanent Disability Assist insurance cover is to provide you with up to a maximum of six support payments, over a minimum of five years (where you continue to meet the Total & Permanent Disability Assist definition), should you suffer an injury or illness that permanently prevents you from working to retirement age. The initial support payment is calculated as 25% of your maximum benefit amount at the Date of Disablement. The subsequent support payments (up to a maximum of five payments) are each calculated as 15% of your maximum benefit amount at the Date of Disablement.

Total & Permanent Disability Assist insurance cover is given to you automatically upon Australian Retirement Trust receiving a superannuation contribution from your employer and you meet all other eligibility criteria.

Tailored Total & Permanent Disability insurance cover provides a payment to you should you suffer an injury or illness that prevents you from working to retirement age. 

Tailored Total & Permanent Disability insurance cover is available to you regardless of your working hours or the basis on which you are employed. Whether you are employed on a permanent, part-time, contract or casual basis you may be eligible for this cover.

Income Protection insurance cover provides you with ongoing income and financial support, should you become temporarily unable to work due to illness or injury. It can give you the peace of mind that you have an income that can help pay your expenses while you focus on your health and recovery.


You must select this option when requesting Standard insurance cover within 120 days of joining art.

Income Protection insurance cover provides you with ongoing income and financial support, should you become temporarily unable to work due to illness or injury. It can give you the peace of mind that you have an income that can help pay your expenses while you focus on your health and recovery.

If you are employed on a permanent, part-time, contract or casual basis and you work at least 15 hours per week, you may be eligible to apply for Income Protection cover.

Tailored Total & Permanent Disability Assist insurance cover is to provide you with up to a maximum of six support payments over a minimum of five years (where you continue to meet the Total & Permanent Disability Assist definition), should you suffer an injury or illness that permanently prevents you from working to retirement age. The initial support payment is calculated as 25% of your maximum benefit amount at the Date of Disablement. The subsequent support payments (up to a maximum of five payments) are each calculated as 15% of your maximum benefit amount at the Date of Disablement.

Do any of the following apply to you in relation to COVID-19?

• I have suspected COVID-19 symptoms e.g., fever, flu-like symptoms, fatigue, cough, sore throat, loss of smell or taste, or shortness of breath
• I am currently in self-isolation or awaiting the result of a COVID-19 test
• I have tested positive for COVID-19 within the last 30 days
• I have tested positive for COVID-19 more than 30 days ago and have not made a full recovery, or have ongoing symptoms

(Full recovery means no longer in self-isolation or quarantine with no ongoing symptoms, no complications, no further follow up required by a doctor and a return to all previous occupational and daily duties)

If you have answered Yes to the COVID-19 statements, you may reapply once 30 days have passed since your last positive test for COVID-19 and you have fully recovered and are not waiting for any follow-up or investigations with a medical practitioner.

If you are not infected by COVID-19, you can reapply once fully recovered from symptoms.

If you have any questions, please contact AIA Australia on 1800 430 770 between 8am and 5pm Monday to Friday.