AIA Vitality

This popular health and wellness program is available to eligible insurance policy holders. It rewards members with shopping vouchers, discounts and premium discounts when they’re actively improving their health. Take out an AIA Australia insurance policy with us now to unlock all the member benefits of the AIA Vitality program.

Published November 2, 2023

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What is AIA Vitality?

AIA Vitality stands out as a world-class health and wellness program, championing the cause to make Australia one of the healthiest and best-protected nations. The program emphasizes prevention and early intervention, aiming to reduce the impact of chronic health conditions on Australians. By focusing on improving five modifiable behavioral risk factors through the 5590+ framework, AIA Vitality encourages members to lead healthier, longer, and better lives.

Members earn valuable rewards and premium discounts by actively engaging in their health, completing online assessments, attending medical check-ups, and reaching various health milestones. The more points earned, the higher the status level, unlocking greater discounts and rewards. It’s a program designed to reward efforts towards a healthier lifestyle, ensuring significant savings on premiums as members take steps to improve their health.

AIA Vitality Starter

AIA Vitality Starter is tailored for individuals embarking on their wellness journey, offering a simpler, more accessible version of the comprehensive AIA Vitality program. Members enjoy free health assessments, in-person health checks at select pharmacies, and a 30% discount on popular gym memberships and fitness devices from Fitbit and Garmin. The program also provides up to 30% cashback on selected Virgin Australia flights, including international destinations.

AIA Vitality Benefits

AIA Vitality offers a range of benefits that are tied to members’ health and wellness activities. Participants in the program may qualify for discounts on AIA insurance policies, and they have the opportunity to earn shopping vouchers. The program also provides up to 50% cashback on selected Virgin Australia flights, including international destinations, contingent on the member’s level of engagement and health activities.

Earn a Free Apple Watch

AIA Vitality members can earn an Apple Watch Series 9 by meeting weekly physical activity targets. To get started, members apply for a $649 interest-free loan with etika over 24 months. AIA Vitality covers all standard interest and administration charges if members achieve their weekly Active Benefits targets monthly. However, if targets aren’t met, members will be responsible for that month’s loan repayment.

It’s worth noting that AIA Vitality Starter members can access this benefit only upon reaching Platinum status. Successful applicants receive an Apple Store Gift Code valued at $649 to purchase the Apple Watch Series 9 (GPS) 41 mm online. Any costs exceeding this amount, or for additional accessories, are borne by the member.

Virgin Australia Flights

AIA Vitality members can enjoy cashback of up to 50% on the base fare of eligible Virgin Australia flights, applicable to one international and one domestic booking, or two domestic bookings per membership year. The cashback percentage is based on the member’s AIA Vitality status at the time of booking, with Bronze members receiving 10%, Silver 20%, Gold 30%, and Platinum 50%. Additionally, one accompanying passenger on the same booking is eligible for the same status-based cashback.

The first two flights are at the member status level discount. All flights after that are at a 10% discount.

You must have completed an AIA Vitality Check within 18 months of booking your flight, in order to be eligible for the cashback.

Free Shopping Vouchers

Unlock shopping vouchers as you accumulate AIA Vitality points. At every 5,000-point milestone, you’re eligible for a gift voucher, with the value increasing at higher point levels. For instance:

Redeem your vouchers at popular retailers including Ticketmaster, Woolworths, Myer, and Rebel. Now, you can also choose from Amazon Australia, Bunnings, and House.

HOYTS Cinemas

Active Vitality members will receive up to 50% discount off movie tickets, with a max of 6 tickets per month.

Endota Spa Treatments

You’ll now get twice as many spa vouchers per membership year, including discounts based on your Vitality status (20 to 50%). Maximum of 4 vouchers per year.

Vitality Active Benefits

Hit your weekly Active Benefits targets and earn a $5 voucher. Choose from iTunes, Woolworths, Uber, Uber Eats, Google Play, Apple Gift Card, or participating AFL clubs. Alternatively, make a difference by donating your voucher to charities like Black Dog Institute, Cancer Council, Diabetes Australia, National Breast Cancer Foundation, The Forktree Project, or Youngcare. You can also save by depositing the reward into your Commonwealth Bank account.

Vitality Partners

Use your membership card at any of the below companies and gain access to rewards and discounts:

AIA Vitality Membership Fee

AIA Vitality is a special program that offers rewards and discounts to its members, but it comes with a monthly fee. If you have a PP or PPPI insurance policy with AIA, joining AIA Vitality will cost you $10 every month, or you can choose to pay $60 every six months, or $120 for the whole year. All these prices already include the GST tax. However, if you are covered by myOwn health insurance, you won’t have to pay anything extra to be a part of AIA Vitality; it’s already included in your plan.

Initial Premium Discounts

Vitality members will receive an initial discount of 17.5% on their Life, Trauma and TPD cover. New members will also receive an initial 7.5% discount for Income Protection and Business Expenses Policies (Income Stream Benefits). Any new policies will have the initial discount applied from their policy commencement.

As long as you’ve been a Vitality Member since 20 January 2017, you will automatically have the initial discount applied to your income protection and business expense policy.

How to Earn AIA Vitality Points

  1. The first step to earning Vitality Points is by purchasing an AIA Life, TPD, Trauma or Income Protection plan or health insurance policy, and joining the AIA Vitality program. You will also need to download the Android or iPhone App.
  2. The second step is to know your health by completing online surveys, for example, the non-smoker declaration, the mental health questionnaire, and the AIA Vitality age.

    You can earn up to 6,000 points per year when visiting your GP or TerryWhite, Chemmart pharmacy and completing a health check. You’ll also receive additional points if your Body Mass Index (BMI), blood pressure, cholesterol or random blood glucose is within a healthy range.
  3. Step Three is about improving your health through exercise, for example, you’ll earn 100 points by simply walking 12, 500 steps.

    In addition, you can elect to record your diet by logging one food entry a day to earn additional points.

    If you do need help, Vitality Australia has a dedicated support team that you can call 1800 VITALITY (1800-848-254), and there is 30 day cooling off period (free trial).

AIA Vitality Status Level

When accumulating enough points, you’ll move up a level and unlock even more rewards. New members will start on Bronze and work their way up to Platinum. A higher status can earn you up to a 20% discount on your lump sum premiums.

0 – 9,999 points
10,000 to 19,999 points
20,000 to 29,999 points
30,000 or more

We make it easy for you to compare policies online with our powerful comparison engine.

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New to Know Your Health

Online Nutrition AssessmentCompleting this informative online evaluation results in you receiving 500 points, per assessment (done twice a year, 6 months apart).
Nutrition TrackingEarn up to 4,800 points per year when you log your food intake (using a Fitbit, Fitbug or Jawbone app).
Fitness AssessmentEarn up to 3,000 points when completing a fitness assessment at one of Fitness First’s 60 locations.
Mental Wellbeing AssessmentUse this assessment to help you identify stress triggers. Upon identification, it will provide you with the appropriate tools to manage your stress better. You’ll also earn 1,200 Vitality points.
Online Skin Self-examinationComplete a simple online skin assessment and earn 500 points.
Eye ChecksEvery year that you go to an Optometrist for your check-up, you’ll receive 500 points, for 3 consecutive years.
Dental Check-upAll members with the Adult’s Maintenance Package will earn 1,000 Vitality Points for their annual check.

New to Improve Your Health

You’ll receive more rewards when making healthy food choices and tracking your physical activity. Up to 25% discount off Garmin and Fitbit devices, making it even easier for you to log your food intake and activities.

Additional discounts are listed below:

Enjoy More Rewards

Discounts & Savings Bronze
0 – 9,999 Points
10,000 Points
20,000 Points
Platinum 30,000 Points
Retail Vouchers $20 $40 to $60 $80 to $100 $150 to $200
Virgin Australia 10% 20% 30% 50%
Vitality Active Benefits Weekly Weekly Weekly Weekly
Endota Spa 20% 30% 40% 50%
Hoyts tickets 6 per month 6 per month 6 per month 6 per month
Fitness device discount 25% to 30% 25% to 30% 25% to 30% 25% to 30%
Fitness First Up to 30% discount on 12 to 18-month Platinum contract. Up to 30% discount on 12 to 18-month Platinum contract. Up to 30% discount on 12 to 18-month Platinum contract. Up to 30% discount on 12 to 18-month Platinum contract.

How to Increase / Maintain my Premium Discounts

Life, Trauma and TPD: If you don’t engage with the program in the first year, and you started on the Bronze status, your discount will go down by 2.5%. Maximum Discount over the life of the policy is 20% at Platinum.

The higher your status level, the greater your discounts and rewards.

Lump Sum Benefit Premium Flex

Status Percentage Change Maximum Discount
Bronze  – 2.50% 20%
Silver – 1.25% 20%
Gold 0.00% 20%
Platinum +1.00% 20%

Income Protection and Business Expenses: After your 1st year you will receive increased discounts to your policy providing you move to Silver status or above. Maximum Discount over the life of the policy is 20% at Platinum status.

Income Stream Benefits Premium Flex

Status Percentage Change Maximum Discount
Bronze 0.00% 20%
Silver +0.50% 20%
Gold +1.00% 20%
Platinum +2.00% 20%

How do I join?

To join the AIA Vitality program and access the benefits available to members, you need to take out an insurance policy with AIA Australia. Simply contact us and we will set up your membership for you. You will receive a welcome email explaining the program, and then you can log into the Vitality website to begin accessing the benefits of your membership.

Frequently Asked Questions

  • When will Qantas flight discounts be replaced with Virgin Australia?

    Virgin Australia’s partnership with AIA Vitality will be enforced starting Tuesday, the 30th of October. Monday, 29 October 2018 will be the last day you can book a flight with Qantas and get cash back from your Vitality membership. You’ll have to send this booking confirmation to AIA Vitality before 30 November 2018.
  • How do I book an eligible discounted flight with Virgin Australia?

    You must use the Virgin Australia booking portal to ensure you’ll receive any relevant cashback. Log in to your AIA Vitality account, go to the Flight Benefit under the ‘Enjoy Your Rewards” section and follow the prompts. Remember, only flight with an AIA Vitality “sticker” is valid for discounts.
  • Which retailer is replacing JB Hi-Fi?

    Ticketmaster is replacing JB Hi-Fi as a benefit to AIA Vitality members. You can earn up to $650 per year in vouchers to spend on some of Australia’s biggest sporting blockbusters and concerts.

    As of 30 October 2018 JB, Hi-Fi will no longer appear in your Vitality shopping rewards. Any rewards you still need to collect must be done by 29 October 2018.
  • How long can you maintain your status level?

    Your Vitality status level is carried over to the next year. Once you reach a particular status level, it’ll be maintained until you accumulate enough points to move up to the next status level. However, if you don’t earn enough points to maintain your status, you’ll be moved to the appropriate status level the following year.
  • How do you cancel you AIA Vitality membership?

    If you’d like to cancel your membership, you can contact AIA Vitality directly at 1800 848 254. However, it is important to note that all AIA membership benefits, including discounts on your AIA insurance policy premiums, cease when you are no longer a member.

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