AIA Vitality Options

I’ve stumbled across AIA Vitality and was hoping to get a better understanding of whether it’s worthwhile.

For background, I’m currently paying close to $30 per month for extras cover and getting death/TPD and income protection insurance through First State Super (paying $35 per month).

From what I can see, my options for signing up (being based in Melbourne) are myOwn ($110 per month for hospital and extras cover), GMHBA ($130 per month for hospital and extras cover), MaxLife Life Insurance ($65 per month for accident and illness cover) or REST Super.

One thing I’ve seen is that some people potentially have access to AIA Vitality through their super fund? Is this an option for me?

In short, what’s the cheapest way to sign up for it?

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AIA Vitality
AIA Vitality

Comments

  •  

    I'm a member and think the program is great. PITA to sign up though as AIA only conduct business through partners. Would be much easier with a direct channel. I had to go to Life Insurance Direct after RAC cancelled their coverage for people outside of WA. LID are not easy to deal with but should be able to give you a view of the absolute cheapest way they can offer to get access to the Vitality program.

  • +1 vote

    REST has been my method. I've been a member of theirs for 7 years, no extra cost involved with AIA. I did have RAC and then cancelled it after AIA was offered. I'm unsure what the balance minimums are needed to be eligible for AIA from REST, but it might be your cheapest way in.

  •  

    I used to do income protection insurance through RACQ for $7/fortnight.

    Income protection insurance was also tax deductible.

  •  

    I'm currently using them through my REST super. It's been great, I'm getting a $5 voucher each week for hitting 500 points (I usually pick iTunes), and I also used them when I signed up to Anytime Fitness and now I get $100 back every quarter assuming I visit the gym 28 times in that period. Paying me to go to the gym is very motivating.

    •  

      hmmm i stopped using it after 1 month because it never tracks my progress. I'm basically forced to buy a smart watch or something :\

  •  

    FYI, rest will terminate their insurance with AIA as at Dec 2019. You can keep cover for an additional year. After that, no more vitality with rest.

    •  

      Wow how did you know? Just got an email from them. Sucks. :( Now I gotta quit the gym

      •  

        You should let REST know. Otherwise there are other options like life insurance or private health insurance.

        •  

          REST is the most affordable way, otherwise the next cheapest is life insurance at about $35 a month. :( You do get access to the full version of Vitality, but at this point in time, it's a waste of money for benefits not needed :\

  •  

    That sucks bad - all stops by April 2020

    •  

      Wow this really blows.

      Looked into MaxLife Insurance and noticed this in the fine print:

      ^Access to the AIA Vitality program requires your annual premium to be equal to or greater than $750 per person per policy.

      At this point, the cost far outweighs the benefit for me.

    •  

      I am very disappointed. Looking for another option or similar program.

  •  

    REST seems like the cheapest option but it doesn't give the full suite of benefits.

    This is not an ad but I joined AIA life insurance (premium is paid out of Super and is considerably a lot less than the benefits I get from Vitality, I always get more than 35,000 points in every membership year) and Vitality through my adviser who doesn't charge any fees so PM if interested. The additional benefits you get (Flight benefits, $650 shopping vouchers etc.) far outweigh the extra premium you pay via Super, at least to me.

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