AIA Vitality is a wellness programme that rewards you for healthy lifestyle choices with discounts and perks on your health insurance. Here's our honest 2026 review.
What is AIA Vitality?
AIA Vitality is a global wellness programme offered with AIA health insurance. You earn points by completing health assessments, exercising, and achieving health goals. These points convert to a Vitality status (Bronze, Silver, Gold, Platinum) that determines your premium discount.
How Much Can You Save?
AIA Vitality discounts vary by status: - Bronze: 0% premium discount - Silver: 5% premium discount - Gold: 10% premium discount - Platinum: 15% premium discount
In addition to premium discounts, high-status members get rewards including: - Discounted gym memberships - Apple Watch discounts - Airpoints Dollars - Movie and concert tickets - Travel discounts
How Do You Earn Points?
Health assessments: Annual health check, biometric screening, flu vaccination — these are the easy wins.
Exercise: Tracking workouts via Fitbit, Apple Watch, or Garmin. Walking, running, gym, cycling, swimming all count.
Health goals: Quit smoking, manage BMI, improve blood pressure.
The Downsides
Premium without engagement: If you don't engage with Vitality, you don't earn discounts — and AIA's base premiums can be higher than competitors'.
Privacy concerns: Sharing health and fitness data with your insurer concerns some people.
Complexity: Vitality requires ongoing engagement to maintain your status. Life gets busy.
Our Verdict
AIA Vitality is excellent for health-conscious, tech-savvy New Zealanders who want to engage with a wellness programme. If you'll consistently track your activity and complete health assessments, the 10–15% premium discount is meaningful.
If you prefer a set-and-forget insurance experience, Southern Cross or nib may be better fits.