• Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx
  • Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx
  • Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx
  • Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx

Here are some common questions about Priority Protection Express.

Why do I need Priority Protection Express?

Insurance is not something most of us like to think about, but would your family be able to cope financially if something were to happen to you? Do you have enough saved to pay the mortgage, your children’s school fees as well as your family’s ongoing living expenses?

If you’re like most Australians, the answer to this will probably be ‘no’.

Priority Protection Express offers a range of affordable life insurance covers, so you’ll have the peace of mind knowing that your family will be looked after the way you want them to be – and that’s the best feeling in the world.

How much cover do I need?

The right level of insurance cover is different for everyone and will depend on your individual circumstances. Factors you should consider when determining the amount you may need include whether you’re single or have a family, your outstanding debts and the cost of your ongoing living expenses like your mortgage repayments. 

If you’re still not sure how much cover you need the online insurance calculator may help you work it out.

Am I already covered by my super fund?

If you are a member of an Australian superannuation fund you may already have some life insurance cover within your super. 

However, your superannuation plan may only provide a fraction of the life insurance you actually need and it’s important to find out what type of insurance you already have by either talking to your super fund or your employer. Then you’ll know where you stand, and whether you need to top up your cover. 

What factors may affect my insurance premiums?

Depending on the product you choose, your premium will be based on the type and level of cover you select along with other factors such as your age, gender, occupation category, heath, medical history and smoking status. 

Premiums also include any applicable government charges such as stamp duty and taxes.

Do I need a medical check-up or blood test to be accepted?

No, you don’t need to have any medical examinations or blood tests to take out Priority Protection Express. However, you will be asked some questions about your health and medical history when you apply. 

Am I covered if I go overseas?

Yes your Priority Protection Express covers you 24/7 anywhere in the world. 

Please note: At application stage if you are travelling to countries that are subject to  Australian Government travel warnings (as listed on the www.dfat.gov.au website), then your application for cover will not be accepted.  

Can my partner apply for Priority Protection Express insurance as well?

Yes, anyone eligible can apply for individual cover.

Can I apply on behalf of my partner?

No, unfortunately not. Your partner will need to answer the application questions themselves.

Can my partner and I have different levels of cover?

Yes, each policy is separate so you can choose a level of cover that suits your own unique situation.

How do I pay my insurance premiums?

To make it easy you have the option of paying your monthly premium either by credit card or direct debit – allowing you to just ‘set and forget’.

What if I have a change of heart?
We understand that you may change your mind about taking out Priority Protection Express. That’s why there is a 28-day cooling-off period, during which time you can cancel your policy and receive a full refund of any premiums paid. 
 
To cancel your policy during the cooling-off period simply send your written request along with your policy schedule to:-
 
AIA Policy Services Department
Priority Protection Express
PO Box 6111
MELBOURNE VIC 3004

The cooling-off period starts from the earliest of the date you receive your policy document or the end of the fifth day after which they are posted to you. There’s just one exception - the cooling-off period automatically ends if you make a claim.
What is a premium freeze?

If you're 35 years or older at the time of your policy renewal, you may choose to pay the same premium amount you paid in the previous policy year – this is known as a premium freeze. 

To activate the premium freeze option, please contact AIA Australia in writing 30 days prior to your policy renewal and your policy and sum insured will be adjusted.

Please note: If you elect to freeze premiums, your sum insured will reduce on each policy anniversary date. This may not suit your insurance needs. The feature is not available for the Income Protection Plan.

How do I make a claim?

If you need to make a claim, you should contact AIA Australia . You can do this by either: 

1. Calling AIA Australia on 1800 333 613; or by

2. Writing to AIA Australia: 

Claims Department
Priority Protection Express
PO Box 6111
MELBOURNE VIC 3004

To process your claim, additional information such as medical documents or income documentation may be required, which you will need to provide at your own cost. Once AIA Australia has received all relevant information and the claim has been approved, your benefit will be paid.

What happens if I don’t pay my insurance premiums?

It’s really important to keep your insurance premiums up-to-date. If you don’t pay your premiums within 60 days of the due date, your policy will lapse and you won’t be covered. 

What do I do if my personal information changes, for example if I move house?

If you change your address or if there’s any other change which may require an alteration to your insurance policy, simply call AIA Australia’s Customer Service Team on 1800 333 613 to update your details. 

Who is responsible for issuing my Priority Protection Express policy?

Your policy is issued by AIA Australia. If you have a query about your existing Priority Protection Express policy please contact AIA Australia on 1800 333 613 (international callers use +61 3 9009 4000) 8am to 7pm AEST or email au.customer@aia.com