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Cancer Care Cover

Protection that provides financial support if you’re diagnosed with certain major or incurable cancers.

From $3.72/week 

Based on $40,000 cover for a 40-year-old female AA Member who is a non-smoker. 

Premiums can be paid fortnightly, monthly, quarterly, half-yearly or annually.

Get a quote
  • Cover up to $100,000 with early-stage cancer payout (10% of your cover amount)
  • No medical examinations or reports required when you apply
  • 5% AA Member discount*

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium.

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Get covered, get a Prezzy Card.

AA Life Insurance is designed to provide you comfort, knowing you’re protecting your life and your family’s future. Now, we’re helping you protect more with new covers like Income Protection Cover and Serious Illness Cover, joining Life Cover and Funeral Cover. 

Apply for cover today and get a $100 Prezzy Card or take out two or more covers, and you'll get a $150 Prezzy Card1. Simply use the promo code LIFE2026 when apply.

This promotion excludes Accidental Death Cover. Offer ends 30 June. T&Cs apply1.

Get a quote
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Who might this be for? 

  • You want the protection of financial support to cover medical treatment or additional expenses if you face certain cancer diagnoses
  • You don't want broader trauma or serious illness cover but still want cancer-specific protection 

How to apply

  1. Choose your cover amount
  2. Get an online quote in around 2 minutes
  3. When you're ready, apply, with no medical exam needed for application

What's included?

Cancer Care Cover can help cover medical bills, specialist care, travel for treatment, lost income, or anything that supports you through a challenging time. 

Receive up to $100,000 tax-free if you’re diagnosed with certain cancers that require major treatment or are incurable.

If you’re diagnosed with certain types of early-stage cancer for the first time, we’ll make a partial lump sum payment of 10% of your cover up to $10,000, helping you manage costs early on. We’ll only pay the Early-Stage Cancer Benefit once for this cover. If we pay the Early-Stage Cancer Benefit, that amount will be deducted from your Cancer Care Cover. Your premiums will be reduced to reflect the new, lower cover amount.

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PLUS, free access to Connected Care

As an AA Life Insurance policyholder, you receive complimentary access to AA Life Insurance Connected Care – a virtual health and wellbeing service. It connects you and eligible family members with New Zealand GPs, global medical specialists, mental-health professionals and more. Whether you need a quick GP consultation, a second opinion, or wellbeing guidance, AA Life Insurance Connected Care is another way we help you focus on life’s precious moments.

Things you should know

  • You need to be aged 18–59 and in New Zealand when you apply. Cover continues until your policy anniversary before your 65th birthday.  
  • Cover only applies to cancers as defind in the policy wording.
  • You must survive 14 days after the defined diagnosis, and you must not have had any signs, symptoms or diagnosis of cancer, or early-stage cancer in the 90 days after your cover starts (or restarts).
  • Claims for pre-existing conditions from the five years before your cover started or restarted (please check the policy wording to understand exactly what this means) will not be paid. If you increase your cover, the pre-existing condition exclusion will only apply to the increased amount. 
  • You can apply online, at an AA Centre, or over the phone with our friendly New Zealand based team.  
  • There's a 30 day no-obligation period - if you change your mind during this time, 100% of the premiums you've paid will be refunded, provided you have not made any claims. 

Understanding what your policy covers

Please read the policy wording so you understand what is and isn’t covered, the benefits, your responsibilities as the policy owner, cover limits and exclusions. 

You may want to also consider

Mum and son standing in backyard smiling

Life Cover

Protects your loved ones by paying them a lump sum if you die or are diagnosed with a terminal illness (as defined under the policy), so they have financial support when they need it most.

Learn more
Mum holding baby in kitchen

Income Protection Cover

Regular monthly financial support for you and your loved ones if illness or injury stops you from working.

Learn more

Have a question?

Please check out our frequently asked questions, give one of our friendly New Zealand-based team a call on 0800 AA LIFE Monday to Friday 8.30am - 5pm, or pop into one of our AA Centres to speak to a consultant.

Cancer insurance is a general term people use to describe insurance that pays out if someone is diagnosed with cancer.

With AA Life Insurance, cancer-related cover can be provided in two different ways:

  • Serious Illness Cover – pays a lump sum if the person insured is diagnosed with certain defined serious illnesses, including cancer, early-stage cancer, as well as conditions like heart attack and stroke.

  • Cancer Care Cover – pays a lump sum if the person insured is diagnosed with a certain type of cancer, including an early-stage cancer benefit for some types of cancer.

Serious Illness Cover protects against a wider range of defined serious health issues, while Cancer Care Cover is focused specifically on cancer.

Both types of cover pay a lump sum that can be used in any way, such as helping with treatment costs, living expenses, or time off work.

We only pay one Cancer Care Benefit and one Early-Stage Cancer Benefit under Cancer Care Cover. This means you won't receive payouts twice, even if you've been diagnosed with a different type of cancer.

Some cancers are considered to be 'early stage cancers' and are not covered for the full amount of cover initially. However, the Cancer Care Cover has an Early-Stage Cancer Benefit (10% of your cover amount, up to $10,000) to help with the treatment and recovery of these cancers. Should the cancer develop into something more serious, you may be able to claim on the remainder of the cover under the Cancer Care Benefit.

Cover for both Cancer Benefit and Early-Stage Cancer has a 5 year pre-existing condition exclusion, along with a 90 day stand down after your policy start or restart date where we won’t pay any claim for signs, symptoms or diagnosis that occur during that time.

We won’t pay any claims that arise from a pre-existing condition that was present in the five years before your cover started (or restarted). If you increase your cover, the pre-existing condition exclusion will only apply to the increased amount.

Why choose AA Life Insurance

 We help New Zealanders take care of what matters, on the road, and in life.

roundel 5% AA Member discount
roundel 99.4% of claims paid out
roundel phone and laptop icon simple online application
roundel with headset icon and New Zealand based support caption

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium. 

^AA Life Insurance claim acceptance ratio Jan-Dec 2024 for Life, Cancer Care, Funeral, and Accidental Death Cover.   

PZ AA Life

Our insurance partner 

AA Life Insurance policies are distributed by the New Zealand Automobile Association (Incorporated) (AA) and provided and underwritten by Asteron Life Limited. You should consider the appropriate policy wording before making any decisions about any policy you decide to purchase. Terms and Conditions, Limits and Exclusions apply

Financial strength rating 

Asteron Life Limited has been given an  "A+" (Strong) financial strength rating by Fitch Australia Pty Ltd (Fitch), an approved ratings agency.  The scale that this rating forms part of is available for viewing at Asteron Life Limited's New Zealand offices.

Financial advice 

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t take into account your specific financial situation, needs or goals and is not intended to be financial advice. 

If you'd like to receive financial advice, you can get professional advice from a financial adviser.

More information

Policy wording

Terms and conditions

Connected Care

Blog

Complaints process 

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium. 

The information on this page refers to the currently on sale product.