Serious Injury Cover

Serious Injury Cover

If you are not eligible for Income Protection Cover, Serious Injury Cover may be offered to you. This provides protection that pays a tax-free lump sum if you suffer one of a range of specified serious injuries and survive for at least 14 days afterwards.

Cover up to $5,000
Benefit paid regardless of ACC 
5% AA Member discount^*

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Who might this be for?

You’re not eligible for Income Protection Cover but still want injury cover without income or employment requirements
You want support to manage unexpected costs after an accident and cover that pays even if ACC also applies

How to apply

If you’re not eligible for Income Protection, and you are eligible for Serious Injury Cover, you will be offered this cover during the application process
When you're ready, apply, with no medical exam needed for application
Choose your cover amount

What's included?

Serious Injury Cover can help with unexpected medical costs, time off work, travel to appointments, home help or anything else you may need while recovering.

Receive a payment up to $5,000, depending on the type and severity of injury.

Includes 19 specified fractures, loss of a limb, loss of hearing or sight, burns and more.

Your benefit is paid regardless of your income or if you qualify for ACC, giving you additional support when you need it.

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 - 55 and in New Zealand when you apply, and a New Zealand citizen, resident, or hold a valid visa for at least the next 12 months. Cover starts as soon as you receive confirmation of acceptance and continues until your 65th birthday.
The injury must appear on the list of covered injuries in the policy wording for a claim to be paid. Payment is dependent on you surviving 14 days after the injury. The level of payment you receive depends on how serious the injury is. If your qualifying injury progresses to a different serious injury that we would have paid more for, you will be paid the difference. 
If the same accident results in more than one serious injury, the single highest benefit amount of all your serious injuries will be paid.
You can only be paid for each serious injury condition once in a 24-month period. For example, if you have been paid a benefit because you experienced a fractured wrist, you won't be paid for another fracture of wrist that occurs within 24 months.
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 holder, cover limits and exclusions.

You may want to also consider

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Life Cover

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Dad holding his young daughter and stuffed animal

Serious Illness Cover

Protection that supports you and your family if you have a heart attack or stroke, are diagnosed with cancer, or become seriously incapacitated (as defined under the policy).

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.

Why choose AA Life Insurance

We’ve been helping New Zealanders take care of what matters for over a century, on the road, and in life.

roundel 5% AA Member discount

roundel 99.4% of claims paid out

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

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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

Terms and conditions

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.}