AIA Vitality
Improve your health with AIA Vitality’s personalised wellness program that rewards daily engagement and builds lasting habits. Access benefits and discounts exclusively through AIA health or life insurance.
- Updated
What is AIA Vitality?
AIA Vitality is a science-based health and wellness program by AIA New Zealand that rewards you for improving your lifestyle. You earn points for healthy activities—like walking, getting health checks, or completing online assessments. As your points increase, your AIA Vitality status moves from Bronze to Silver, Gold, and then Platinum.
The higher your status, the more benefits you unlock, such as discounts on life, income protection and health insurance, Airpoints Dollars™, and vouchers from partners like Woolworths, Harvey Norman or Hoyts, you can also donate your vouchers to Mental Health Foundation or Heart Foundation.
AIA Vitality links everyday healthy actions with tangible financial rewards, helping you save money while living better.
Would you like a breakdown of how the status levels work and what rewards are available at each level?
Join AIA Vitality Today
Enjoy 10–20% off your insurance premiums, get a $250 Garmin voucher, earn up to $560/year in rewards — and unlock even more healthy living perks!
Let’s ChatIs AIA Vitality worth it?
Yes, AIA Vitality is worth it if you’re even moderately active or motivated to improve your health. For $11.50/month, you can earn up to $260 per year in weekly Active Benefits, get 10–20% off your AIA insurance premiums, and enjoy Airpoints, retail discounts, and fitness perks.
You’ll easily cover the membership cost if you regularly walk, track your steps, or attend health checks. For example, just hitting your weekly activity target gives you $5 every week – more than the monthly fee.
If you sign up for the program but don’t do anything, then it’s really not worth it.
The AIA Vitality vision is to transform a stagnant insurance market as innovators with a vision that stretches far beyond the realm of personal insurance, trying to improve the health and well-being of New Zealand.
Choose your rewards:
- Earn up to 300 Airpoints Dollars™ a year through Status Rewards
- or earn up to $300 in Woolworths vouchers
- Plus, get an extra $260/year through weekly Active Rewards
Insurance discount:
- Save 10%–20% on AIA Life, Trauma, Income, Mortgage, and Health insurance
Health & fitness perks:
- 50% cashback on an AIA Vitality Fitness Assessment (Snap Fitness or CEPNZ)
- Up to $260 in Active Benefits vouchers each year
- 4x Forme Spa & Wellbeing vouchers at 50% off
Gym discounts:
- Up to 50% off Les Mills (combo of discount + cashback)
- 20% off Jetts memberships
- 6 weeks free at Snap Fitness
Entertainment & retail:
- Up to 50% off HOYTS and Event Cinemas
- 25% off New Balance shoes, apparel, and accessories
Cons:
- Must hold an eligible AIA Insurance policy to join
- Requires a compatible smartwatch to track activity and earn rewards
AIA Vitality is changing New Zealanders health
Since launching AIA Vitality in New Zealand, over 20,000 members have completed in-depth health assessments and the results show just how powerful small lifestyle changes can be when they’re supported by the right tools and incentives.
According to AIA, based on 20,322 health assessments completed by Kiwi members:
- 20% moved from an unhealthy to a healthy BMI range
- 50% improved their blood pressure into a healthy zone
- 66% reduced their cholesterol to healthier levels
- 78% improved their glucose levels — lowering long-term risk of diabetes
These aren’t just numbers, they’re real-life health improvements that reduce sick days, prevent future claims, and help people feel better day to day. And for employers, that means a healthier, more productive team.
And as of February 2025, AIA says AIA Vitality members have redeemed more than $11.9 million worth of vouchers. On average, a member completes a AIA Vitality Health Check every 15 minutes.
Together, members have clocked up 51 billion steps – the same as walking the length of New Zealand 1,295 times – and over 9,000 have activated the Apple Watch benefit to help stay motivated and moving.
AIA Vitality Cost Benefit Analysis
If you check in weekly and stay mildly active, AIA Vitality more than pays for itself, no extreme fitness required.
Even at modest participation, you’re likely to get 5 – 6× the value of the membership fee back.
Only catch? You need to engage with it weekly, walk, track your activity, and do a few check-ins.
Typical Benefits (Moderately Active User)
1. Weekly Active Benefits
$5/week × 52 weeks = $260/year in Woolworths or Airpoints
Covers the membership fee almost twice over
2. AIA Insurance Discount
10% off AIA Life or Health insurance
Example: $100/month premium → $10/month discount
$10 × 12 = $120/year saved
3. Airpoints Dollars™
Up to 300 Airpoints/year (based on engagement)
Value = approx $300 NZD worth of flights or upgrades
4. Extra Perks (Optional, but valuable)
Les Mills Gym: 15% off + 35% cashback
Hoyts/Event Cinemas: Discounted movie tickets
New Balance: 25% off shoes/apparel
Forme Spa vouchers: 4× per year at 50% off
- Garmin: 25% off and $250 Garmin voucher
AIA Vitality Benefits & Rewards
The benefits that AIA Vitality provides are undoubtedly what entices people to join.
1. AIA Insurance Discount
When you sign up for AIA Vitality, you will receive a 10% premium discount on your eligible insurance policies.
Then you can control the discount you receive through ongoing participation in the AIA Vitality program. Your premium discount will be adjusted on your policy anniversary based on your AIA Vitality Status.
| Status | Premium Flex Rate |
|---|---|
| Platinum | Your Baseline Discount plus 2% (up to a maximum of 20%) e.g. Year 1 discount is 10% (the Initial Discount). Year 2 discount will be 12%. |
| Gold | Retain current Baseline Discount e.g. Year 1 discount is 10%. Year 2 discount will be 10%. |
| Silver | Your Baseline Discount minus 1% (to a minimum of 0%) e.g. Year 1 discount is 10%. Year 2 discount will be 9%. |
| Bronze | Your Baseline Discount minus 2% (to a minimum of 0%) e.g. AIA Vitality Year 1 discount is 10%. Year 2 discount will be 8%. |
2. Get the AIA Vitality Apple Watch Benefit *currently paused*
*the Apple Watch Benefit is currently paused. AIA intends to bring it back in 2025*
With Apple Watch, you now have a new way to increase your physical activity and stay motivated to make healthier choices.
Let’s work together to keep you motivated to stay healthy. Not to mention that it will improve and protect your life.
When you purchase a qualifying health insurance or life insurance plan and become active, you may unlock the Apple Watch Benefit.
Because living well is beneficial to more than just your health. It’s helpful to us. It benefits New Zealand.
3. Gym Benefit
With your AIA Vitality membership, you can help improve your health while saving up to 50% off a Les Mills standard Month Multi Club membership with no joining fee.
How does AIA Vitality work?
When you join AIA Vitality, you will unlock some online and offline health assessments to help you better understand and improve your approach to wellness. And you will learn about your health, be provided with tools to help you improve your health, and be offered fantastic incentives and discounts to keep you energised on your health journey:
- Lifestyle rewards,
- Savings on everyday expenses and even,
- AIA Health & Life Insurance discounts.
As an AIA Vitality member, you’ll start at the Bronze level. Then, as your health improves and you earn more points, you will progress from Bronze to Silver, Gold, and finally Platinum.
The higher your status, the greater the rewards. And you can increase your insurance discounts.
How to get AIA Vitality Physical Activity Points
AIA Vitality Physical Activity Points are earned by participating in various physical activities. There are four sorts of metrics that contribute to your physical activity points:
- Steps per day
- Heart rate data
- Calorie data
- Les Mills gym visits
To earn Physical Activity Points, you must first link your fitness device. Then, you can earn a maximum of 100 points per day or up to 500 points a week.
You’ll receive weekly targets that run from Monday to Sunday. Your weekly target will always be in the range of 200-500 points and will either remain as is or go up/down, depending on your physical activity level over the previous three weeks.
How the AIA Vitality points system works
The Program uses a points system to encourage you to remain fit and active. The more points you earn, the higher your status becomes. And the higher your status becomes, the more rewards you can unlock.
Earn Points for simple activities like walking the dog, running, going to the gym, taking online assessments and completing free wellness screenings.
Here’s how many points you need to reach each status:
- Bronze: None. You start at bronze when you join.
- Silver: 10,000 points.
- Gold: 20,000 points.
- Platinum: 30,000 points
Get to Platinum fast
Here’s how to get to Platinum Status and get more insurance discounts the following year.
Bronze Status: 0 points
- Age Assessment: Up to 3,500 points
- Health Checks: Up to 10,000 points
- 7+ Hours Sleep Per Night: Up to 2,000 points
- Skin Self-Examination: 500 points
Silver Status: 10,000 points
Earn $25 Airpoints Dollars or $25 Countdown Gift Card
- Fitness Assessment: Up to 2,000 points
- Non-smoker declaration: 1,000 points
- MoleMap Skin Assessment: 1,000 points
- Dental Assessment: 1,000 per vaccine
Gold Status: 20,000 points
Earn $50 Airpoints Dollars or $50 Countdown Gift Card
- Vaccinations: 1,000 points per vaccination
- Bowel Cancer Screening: 1,000 points
- Cervical Smear Test: 1,000 points
- Mammogram: 1,000
Platinum Status: 30,000 points
Earn $100 Airpoints Dollars or $100 Countdown Gift Card
- Meditation: Up to 2,000 points
- Organised Fitness Event: Up to 1,500 points
- Physical Activity: 15,000
- Nutrition Consultation: 2,500 points
Platinum Status: 35,000 points
Earn $125 Airpoints Dollars or $125 Countdown Gift Card
How you earn AIA Vitality rewards
Better health is its own reward.
Through discounts and motivating rewards, AIA Vitality makes it cheaper and easier to get healthy. Here’s how the Program can help you:
Points are subject to daily and weekly limits. You can earn a maximum of 100 activity points per day and up to 500 activity points per week.
The Program awards points for only one exercise activity per day, using an activity tracker such as an Apple smartwatch.
Who can join AIA Vitality?
AIA Vitality is available exclusively to AIA New Zealand customers with health insurance or life insurance policies.
To determine if this health and wellness program is the right solution for you, request a callback from an advisor now.
Eligible policies:
- Health Insurance
- Life Insurance
- Trauma Insurance
- Income Protection Insurance
- Mortgage & Income Protection
- Disability Insurance
Get AIA Vitality
LifeCovered is an authorised AIA broker, and we give free life and health insurance recommendations and suggestions that fit your needs and budget.
Want to know about the eligible insurance packages?
The Insurance Specialist: Helping Secure People's Incomes.
AIA Vitality FAQ
How much does my AIA Vitality membership cost?
The monthly membership fee is $11.50 per person (including GST), and your monthly insurance premium to access the entire program and earn benefits and rewards.
You pay the membership fee and policy premium separately.
Is my AIA Vitality data safe and secure?
AIA takes information security seriously and has processes and security systems to ensure your personal information is safe.
Download the privacy flyer (pdf)
Do I need to be fit to join AIA Vitality?
No, not at all. AIA Vitality’s approach is to help everyone on their journey to better health, no matter their current health or fitness level.
Moving more is a critical component of an overall strategy to improving your health – and includes activities of daily living such as walking the dog, increasing the number of steps you do each day and taking the stairs instead of the lift.
How to become an AIA Vitality member?
Joining AIA Vitality and getting all the rewards and benefits is easy.
You must have one or multiple personal insurance policies with AIA.
Eligible policies:
- Life insurance
- Trauma cover
- Health insurance
- Mortgage and Income Protection
- Income Protection Insurance
- TPD Insurance
AIA Vitality and your data
AIA New Zealand collects your Personal Information so that AIA New Zealand can administer your membership and offer you the AIA Vitality member-associated benefits.
For example:
- Discounts on your insurance premiums
- Discounts on Partner products
- Monthly vouchers for Partner products and services
Check out how AIA Vitality stores your data.