AIA Vitality Guide: How to Earn Rewards, Save on Insurance and Improve Your Health
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How AIA Vitality Works
AIA Vitality is designed to encourage healthier habits by rewarding members with points for completing health and wellness activities. When you join the program through an eligible AIA insurance policy, you can start earning Vitality points throughout the year by learning about your health and improving your lifestyle.
These points determine your Vitality status level, which ranges from Bronze through to Platinum. As your status increases, you can unlock greater rewards, discounts and benefits through the program.
Know Your Health
The first part of the program focuses on helping you understand your current health. Members can earn points by completing assessments and health checks that provide insights into their well-being.
Examples include:
- Completing the AIA Vitality Health Review through the app
- Non-smoker declaration
- Skin self-examination assessment
- Financial wellbeing assessment
- Eye checks and dental checks
- Vaccinations, such as flu shots
Members can also complete an AIA Vitality Health Check at participating pharmacies or health practitioners. This check measures indicators such as BMI, blood pressure, cholesterol and blood glucose levels, with points awarded based on results.
Improve Your Health
The second part of the program rewards members for actively improving their health through exercise, nutrition and lifestyle changes. Daily physical activity alone can earn between 25 and 150 points per day, depending on the intensity and tracking method used.
Members can earn points for activities such as:
- Tracking physical activity through compatible fitness devices
- Achieving daily step targets or heart rate activity goals
- Visiting participating gyms such as Fitness First, Goodlife or Virgin Active
- Logging workouts such as running, cycling or gym sessions
- Tracking sleep or meditation activity
- Recording nutrition or completing dietitian consultations
Vitality Status Levels
Your total points determine your Vitality status for the membership year. The higher your status, the more valuable the rewards and discounts you can access.
| Status Level | Points Required |
|---|---|
| Bronze | 0 – 9,999 |
| Silver | 10,000 – 19,999 |
| Gold | 20,000 – 29,999 |
| Platinum | 30,000+ |
Members start at Bronze status and can progress through the levels as they earn points throughout the year. Reaching higher tiers unlocks more valuable rewards, including greater partner discounts and travel cashback benefits.
AIA Vitality Reward Partners
AIA Vitality partners with a range of brands across fitness, retail, travel and entertainment to reward members for healthy behaviour. As you earn Vitality points and increase your status level, you can unlock discounts, cashback offers and vouchers from participating partners. Many of these rewards are linked to your activity levels and engagement with the program.
Some rewards are available automatically for members, while others are unlocked as you reach certain points milestones or meet weekly activity targets.
Weekly Rewards and Active Benefits
Members who meet their personalised weekly activity targets can receive a $5 reward each week through the Active Benefits program. This reward is designed to encourage consistent healthy activity throughout the year.
These rewards can be redeemed in several ways, including:
- Woolworths vouchers
- Uber or Uber Eats credits
- Apple or Google Play gift cards
- Deposits into a nominated Commonwealth Bank account
- Donations to selected charities
Shopping Rewards
Members who meet their personalised weekly activity targets can receive a $5 reward each week through the Active Benefits program. This reward is designed to encourage consistent healthy activity throughout the year. Members can also earn shopping rewards as they accumulate Vitality points during the membership year. Once you reach 10,000 points, and for every additional 5,000 points, you may receive retail vouchers. Voucher values can range from $20 up to $200, depending on your points level.
Participating retailers include:
- Amazon Australia
- Bunnings
- MYER
- rebel
- Woolworths
- House
- Ticketmaster
- RedBalloon
Shopping Rewards
Members who meet their personalised weekly activity targets can receive a $5 reward each week through the Active Benefits program. This reward is designed to encourage consistent healthy activity throughout the year. Members can also earn shopping rewards as they accumulate Vitality points during the membership year. Once you reach 10,000 points, and for every additional 5,000 points, you may receive retail vouchers. Voucher values can range from $20 up to $200, depending on your points level.
Participating retailers include:
- Amazon Australia
- Bunnings
- MYER
- rebel
- Woolworths
- House
- Ticketmaster
- RedBalloon
Travel, Entertainment and Lifestyle Rewards
AIA Vitality also offers rewards in travel and entertainment, which can become more valuable as your Vitality status increases.`
Examples include:
- Virgin Australia flights: Up to two flight cashback rewards per membership year, with cashback increasing depending on your Vitality status.
- HOYTS movie vouchers: Up to 50% off selected movie tickets.
- endota spa: Status-based discounts on e-gift cards for spa treatments.
AIA Vitality Gym and Fitness Benefits
AIA Vitality rewards you for staying active, with discounted gym memberships, cashback incentives, and points for exercise. If you regularly work out, this is one of the easiest ways to get value from the program.
Gym Membership Discounts
Members can access discounts of up to 50% on selected gyms, plus potential cashback for consistent attendance. These savings can significantly reduce your overall fitness costs.
Compare AIA Vitality Gym Options
Based on the comparison guide , here’s how some popular gym partners stack up:
| Gym | Locations | Discount | Key Benefits |
|---|---|---|---|
| Anytime Fitness | 460+ locations | ~10% + cashback | 24/7 access, global gyms, functional training |
| Virgin Active | 6 locations | Up to 50% | Premium facilities, pool, spa, classes |
| Fitness First | 60+ clubs | ~30% + cashback | Group classes, weights, personal training |
Take note: The above information is correct as of March 2026. Specific prices and benefits may vary depending on the location of each gym and membership type.
Earn Points for Exercise
- Earn 100 Vitality points per gym visit
- Visits must be on separate days
- Points help increase your Vitality status and rewards
You can also earn points through:
- Step tracking
- Fitness devices
- Home workouts
How Much Does AIA Vitality Cost?
AIA Vitality is available as an add-on to eligible AIA insurance policies and requires a monthly membership fee. The standard cost is $12.50 per month, which gives members access to the program’s rewards, discounts and health tracking tools.
To add AIA Vitality to an insurance policy, there is usually a minimum annual premium requirement, after any applicable discounts. Once enrolled, members can start earning points and accessing rewards through the AIA Vitality app.
For many members, the value of the rewards, shopping vouchers and insurance premium discounts can outweigh the membership fee, particularly if they regularly participate in the program’s health activities.
AIA Vitality Starter
AIA Vitality Starter is a limited version of the full AIA Vitality program available to some AIA customers. It allows members to access selected health and wellbeing features without holding a full AIA Vitality membership linked to an insurance policy.
With AIA Vitality Starter, members can still track certain health activities, complete assessments and earn some points through the program. However, the range of rewards and benefits is more limited compared with the full Vitality membership.
The full AIA Vitality program, which is linked to eligible AIA insurance policies, typically offers the widest range of rewards, including premium discounts, shopping vouchers and partner offers.
Pros and Cons of AIA Vitality
Like any rewards program, AIA Vitality has advantages and limitations. Understanding both can help you decide whether the program suits your lifestyle and insurance needs.
Pros
- Potential insurance premium discounts for eligible AIA policies
- Rewards for healthy habits, including exercise and health checks
- Shopping vouchers and weekly rewards for meeting activity targets
- Travel and lifestyle perks such as flight cashback and entertainment discounts
- Encourages long-term healthy behaviours
Cons
- Monthly membership fee applies to participate in the program
- Rewards and discounts depend on regular participation and activity levels
- Some benefits may be capped or limited each year
- The program is only available with eligible AIA insurance policies
Is AIA Vitality Worth It?
AIA Vitality can be worthwhile for people who are motivated to stay active and regularly engage with the program. By completing health checks, tracking exercise and reaching activity targets, members may unlock rewards such as shopping vouchers, travel cashback and insurance premium discounts.
The value of the program largely depends on how often you participate. Members who consistently earn points and reach higher Vitality status levels are more likely to receive meaningful rewards that can offset the monthly membership fee. For others who rarely use the app or track activities, the benefits may be more limited.
If you already plan to maintain an active lifestyle, AIA Vitality can provide an added incentive while offering extra savings and perks along the way.
Frequently Asked Questions and Answers
What is AIA Vitality?
AIA Vitality is a health and wellness program offered by AIA Australia that rewards members for healthy lifestyle choices. By completing activities such as health checks, exercise and wellness assessments, members can earn Vitality points that unlock rewards, discounts and insurance premium benefits.How much does AIA Vitality cost?
AIA Vitality typically costs $12.50 per month when added to an eligible AIA insurance policy. This membership fee provides access to the program’s rewards, health tracking tools and partner discounts.What rewards can you get with AIA Vitality?
Members can access a range of rewards including shopping vouchers, travel cashback on flights, discounted gym memberships, entertainment offers and weekly activity rewards. The value of these rewards can increase as your Vitality status level rises.How many points do you need for Platinum status?
Platinum status is the highest level in the AIA Vitality program and requires 30,000 points or more during the membership year. Reaching Platinum unlocks the most valuable rewards and partner benefits.Can I join AIA Vitality without insurance?
The full AIA Vitality program is generally only available to customers who hold an eligible AIA insurance policy. Some people may be able to access a limited version called AIA Vitality Starter, which offers fewer rewards and features.
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So, as I walk over 12,500 steps a day, would I achieve platinum status in the first year?
Hi Tim.
It’s best to reach out to AIA Vitality directly concerning any queries regarding their reward’s program. You can give them a call on 1800 848 254 or leave them a message on their website’s ‘Contact Us’ page.
Is there a premium limit ($) that you need to have before you get access to AIA?
Hi Mo. Thanks for reaching out.
I assume you want to know if there is a specific AIA premium you need to have in order to join AIA Vitality. Generally, as long as you purchase an AIA Priority Protection policy or an insurance policy through one of AIA’s insurance partners, you’ll be eligible to join AIA Vitality, regardless of your premium amount.
I have funeral insurance with you and the policy no is 9040****. First I would like to notify you that I have changed my address. My new address is 22/29-33 Church St Ryde NSW 2112. Also, could you send me the policy wording and certificate of insurance? And I am just checking until what age do I have to pay the premium?
Thanks
Hello Elizabeth.
I forwarded your information to our administrative department and they will be in contact shortly.
Thank you.
Does the fitness first discount apply to existing members that have been with FF for more than 12 months and are out of contract and paying month to month? Thanks
Hi Darren,
Both new and existing Fitness First members that have AIA Vitality can benefit from a 30% discount on 12 and 18-month Passport and Platinum membership contract and a 20% cash back if attending the gym 24 times in each calendar quarter. Please request AIA to send you the Ts and Cs.
I am existing priority protection policy holder. If I join this Vitality program, can get 12.5% for my first-year premiums?
You mention the entry level is Bronze. If I do not have much engagement, the discount will be reduced to 10% or less. Please clarify.
Also, how do I get the discount or voucher for Hoyts tickets? In addition, I joined a Gym centre which is AJ in Algester. Can I get the $100 rebate?
Hi,
The premium for your lump sum AIA Priority Protection policy will reduce by the initial 12.5% discount when the policy owner next pays a premium. If you don’t engage with the program in the first year, your 12.5% discount will go down to 10%.
Your AIA Vitality membership year will run for 12 months from registration, i.e. the date your Vitality membership was created. So, if your AIA Vitality is added at any other date than when your policy was issued, your policy year and AIA Vitality membership year will not be the same and will, therefore, renew at different times.
If you are an existing AIA Priority Protection policyholder without Vitality you can contact your financial adviser to facilitate the process of signing up. If accepted, you will be sent an email requesting you to activate your account online at aiavitality.com.au.
For the discounts and vouchers earned, you will receive a gift card that will be emailed to you and can be downloaded as a PDF. Another email notification will be sent to activate your gift card, which must be done within 3 months of receiving the card.
AJ’s Sports Centre is not an AIA Vitality affiliate, however you can earn up to 100 points when using a fitness device, like a fitbit or app on your phone, and linking it to your Vitality app to record your activity level.
For more information on AIA Vitality, please give them a call on 1800 848 254.
Hi,
Does AIA offer a discount for multiple policies, e.g. myself and partner taking out life insurance, TPD and trauma? Also, is a membership to AIA Vitality free if you have one of the above policies?
Thank you.
Hi Lisa.
Thank you for posting your question.
Combined policies, also known as bundled or linked policies (for example combining life insurance and TPD insurance), is a great way to save on your premiums.
AIA does provide opportunities to combine or link life insurance with trauma insurance and TPD insurance. A bundled premium discount of 12.5% is available when an AIA Income Protection solution is combined with life and/or crisis recovery.
However, the eligibility of these discounts depend on the specific policy you apply for. Because I am not aware of you and your partner’s personal circumstances and requirements I cannot say whether you’ll be eligible or not.
If you need help with this, you might want to fill in the quote form above so one of our consultants can assist you. Alternatively, feel free to call us directly on 1300 135 205.
In answer to your second question; to qualify for an AIA Vitality membership you must be 18 years or older; an Australian Resident and you must be the life insured on a current, eligible AIA Australia insurance policy. Membership cost is $10 a month GST included.
You can also gain access to AIA Vitality when purchasing Health Insurance cover from AIA, called myOwn.
How to cancel aia vitality membership?
Hi Sandro
It is easy just complete the Vitality cancellation form. Please note once you cancel you will lose the all the benefits of the program including any discounts you may be receiving on your AIA insurance policy premiums for being a vitality member.
Hello,
I had a look at the AIA vitality website and saw that you can get up to 50% off Fitness First Black Label memberships. How does this work? Does the gym charge me the usual fee and I get cashback from AIA?
Hi Shane, thanks for your great question regarding AIA Vitality. Essentially, as you indicated the normal fee is paid and you will then provide AIA with your receipt and they in turn will provide you with cashback for the 50% of the membership.
Hi there,
As a Vitality member, may i ask if i get any discounts on travel insurance when travelling overseas?
Regards
Hi Sumant, Thank You for your question. At this stage there are no discounts on Travel Insurance specifically for members of AIA Vitality. Please keep in mind that changes and partners within the program may change from time to time so always check in on the AIA Vitality Website to ensure you keep up to date. Thank You
how to join?
Hi Butain
I can see you have also requested for one of our specialists to call you which they will be doing shortly. However the answer to your question is that to join the AIA Vitality program you need to have an AIA Priority Protection policy in place. Therefore when you talk to our specialist they will provide you with 2 options a policy with the Vitality program and one without for you to consider which is best for you.
Awesome, I just received confirmation from the team that they have calculated my eligibility of my cash back to be $196 which is great, as I only just joined AIA Vitality and am currently only on a “Bronze” status. The great news is it was a real 10% off the entire booking! They have confirmed that the payment will be passed through to my account in the next 3 weeks.
It was easy and exceeded my expectations, thank you.
Now I just need to work on improving my status by getting fit!
Thank you
Steven
No problem Steven, Glad we could help. Remember to check in with the AIA Vitality Website – http://www.aiavitality.com.au to ensure you get the most out of your membership.
Thanks again.
Ok, great as instructed I have gone to the Qantas website and booked my flight, what do I need to do to claim my cash back off my flight?
Hi Steven, Redeeming your cashback is easy.The first thing you need to do is get a copy of the e-ticket that Qantas emailed you, you will know when you have the right document as it has a barcode in the right hand side of the document (you know this as the e-ticket) with a booking reference number under it. Secondly you need to email your e-ticket to: queries@aiavitality.com.au and be sure to include your AIA Vitality Membership number in the subject line. Thirdly, you will need to update your details to ensure your bank account details are saved into your Vitality account http://www.aiavitality.com.au and you can do this by navigating to the following section:
Rewards > Flight Benefit > Get Started ..
Click on the ‘Bank Account Details here’ link to update this information.
That’s it, please note it will take a week for the Vitality Team to review your eligibility and to provide confirmation of the amount of cash back you are entitled to for the flight.
If you need any further assistance please reach out .. Thanks
With the flight reward on vitality, it says this “To qualify for the cashback, there needs to be a 10 day lead time between the booking date and the departure date.” Just to clarify, does this mean I will only get the cashback if I book max of 10 days before I leave?
Hi Steven, Actually it means the opposite. It means you need book a minimum 10 days before you fly out.
For example, you can’t book today and fly out tomorrow to get the cashback.
It stops people abusing the system. I hope this makes sense. Thanks