AIA Vitality program changes (updated Nov 2020)

About AIA Vitality

It’s hard to beat feeling healthy. That’s why AIA Vitality provides online and offline health assessments, and exciting rewards to keep you motivated along your wellness journey.

With AIA Vitality, the more the effort you put towards improving your current state of health in areas such as mental wellbeing, exercise and nutrition, the greater your rewards, including:

• Cashback on flights
• Shopping vouchers
• Entertainment and lifestyle discounts

How to get AIA Vitality

Importantly, AIA Vitality is not a stand-alone product, but a rider off AIA Australia’s life or private health insurance. Anybody can have it, regardless of your health or private health cover status, as long as:

• Your age is between 18 and 100;
• You purchase a new insurance product at AIA Australia;
• You purchase at least one type of insurance products from these categories:
  — accidental death (no medical examination required)
  — accidental income protection (no medical examination required)
  — death
  — total and permanent disability
  — income protection
  — crisis recovery
  — private health insurance
• The new insurance you’ve purchased is at least $500 pa in premium;
• You pay $11.50 pm AIA Vitality fee unless you purchase the private health cover in which case this fee will be waived

About the most recent changes

AIA routinely modifies the way they reward members who are committed to improving their health and making healthier choices. You can download the updated official Point Guide here: 

And here are the major changes across the program components between May 2019 and October 2020:

1. Complete health checks
   

   Program	Points Capped per Membership Year		How to
   	Before May 2019	After Oct 2020
   AIA Vitality Health Check	6000	7000	On app
   AIA Vitality Nutrition Consultation	1500 points	2000	Via paid service with a discount
   Nutrition Tracking	4800	1200	Via free Fitbit app
   Shingles Zoster vaccination	–	1000
   HPV vaccination	1000	–
   Vitality health review	1000	1000	On app
   Skin self-examination	1000	1000	On app
   Non-smoker’s declaration	1000	1000	On app
   Online nutrition assessment	1000	1000	On app
   Your psychological assessment	250	250	On app
   Your stressor assessment	250	250	On app

2. ---

   Maintain your fitness and mental wellbeing

   
   

   Program	Points Capped per Membership Year		How to
   	Before May 2019	After Oct 2020
   AIA Vitality at home physical activity	–	15000	Watch and follow home workout videos
   Gym/outdoor fitness	15000		Visit gym partners or use a fitness tracking app (eg. Strava)
   AIA Vitality at home food and nutrition	–	1300	Watch cooking videos on app
   AIA Vitality at home mindfulness	–	2000	Option 1 (75 points pw) Each of the below activities is for 25 points & can choose one per day 3 times a week. Cap of 75 points per week applies as they fall under one category.   New Mindfulness Meditation Apps: Calm, Buddhify, Headspace, Insight Timer and Meditation Timer & Log: 10 minutes of meditation is required to receive the 25 points.   OR Mindfulness activities via the AIA Vitality at Home: AIA Live – Importance of Berthing for Fighting Stress AIA Live – Ian Jones Workshop: Fitness & Wellbeing Mental Wellbeing – A Guide to Mindfulness Mental Wellbeing – Endota Spa 20 minute guided meditation   Option 2 – use Mentemia app (100 points pw) Designed to give members a boost to their everyday wellbeing, the app is like a personal mental wellbeing coach. It contains simple, bite size tools and techniques to deal with common stressors that we all face.
   Goals	6000	–	Goals have been removed
   Fitness assessment	3000	3000	At participating gyms, however, repeated health checks in step 1 will not be given points again
   Sleep tracking	2000	2000	Using a sleep tracking app (eg. Sleep Cycle) or device and track at least 7 hours sleep
   Smoking cessation	1000	1000	Quit smoking for 12 months and sign a declaration

3. Benefits and rewards

   Changed lements:
   

   The shopping awards have been reduced:

   Points threshold	Previous value	New value
   5,000	$20	N/A
   10,000	$40	$20
   15,000	$60	$40
   20,000	$80	$60
   25,000	$100	$80
   30,000	$150	$100
   35,000	$200	$200
   Total	$650	$500

   
   

   Newly added benefits:

   Apple Watch Benefit	Earn your Apple Watch in full by reaching your Active Benefits physical activity each week for 24 months.
   CommBank partnership	If you have a bank account with CommBank, now you can choose to receive your weekly active reward of $5 or any shopping vouchers to be deposited in your CommBank account
   New shopping voucher partners	UberEats, Uber, Amazon and Bunnings are now shopping voucher partners with AIA Vitality The Forktree Project donation and YoungCare donation are now charity partners with AIA Vitality

   
   

   And the following benefits haven’t changed:

   Shopping voucher partners	Itunes store, Myer, Commonwealth Bank of Australia, Google Play store, Woolworths, Cancer Council donation, Black Dog Institute donation, and Diabetes Australia donation
   Gym membership discount (Virgin Active, Anytime Fitness and Fitness First)	Up to 50%
   Endota Spa gift voucher	Up to 50%
   Movie ticket at Hoyts	50%
   Flight tickets cashback (Virgin Australia and Singapore Airline)	Up to 50%
   Jaggad clothing	20%
   Fitbit device discount	30%
   Garmin device discount	25%
   Dieticians Australia consultation	70% off initial consultation
   Allen Carr smoking cessation online seminar	Free for AIA Vitality members (costs $695 for non-members)

Feedback and FAQs about AIA Vitality

You can now use this link to provide feedback and comments directly to AIA Australia or copy and paste this link https://aia.mcxplatform.com.au/cgi-bin/qwebcorporate.dll?idx=AB77Y3&tm=Shaniqua.Makombeshamu in your browser.

You can also find the answers to the frequently asked questions about the points system here. 

AIA Australia Income Protection and Crisis Recovery rate increase

If you have AIA Vitality program attache to an existing Income Protection or/and Crisis Recovery policy, there is good and bad news for you. 

The bad news is that the insurance premium is increasing from 1st April 2021 according to this announcement, and the good news is that comparing to the industry-wide insurance premium increase, AIA Australia’s rate increase happened slightly later and at a smaller rate. 

If you have concerns around the affordability of your existing policies, please feel free to get in touch and review the appropriateness of your existing covers.