AIA Vitality Review: Costs, Points, Rewards and Whether It's Worth It

AIA Vitality gives you 10% off eligible AIA premiums and up to $560 a year in rewards for $13.50 a month, but the discount shrinks if you don't engage. Our review covers costs, points, Premium Flex, the HealthyFood Benefit, who it suits and who it’s arguably unsuitable for.

Updated 18 September 2026

Summary

AIA Vitality is the health and wellbeing programme attached to AIA's life, trauma, income protection and health insurance.
You pay $13.50 a month, get 10% off eligible premiums from day one, and earn points for things like an annual health check, tracked exercise and sleep. Points move you up four status levels, and each level changes both your rewards and, from year two, your premium discount.
Overall, those who engage the most with AIA Vitality see the discount climb to as high as 20%. However, if you ignore it, the discount shrinks by two percentage points a year until it's gone, while the fee keeps being charged.

This review sets out what it costs, what it pays, what you have to do to earn it, and who comes out ahead. We cover

Advertising Disclosure: LifeDirect pays MoneyHub a monthly fee to appear on this page. The fee doesn't change with how many readers get a quote or buy a policy, and we don't receive a commission on any policy sold. AIA doesn't pay to be reviewed, and the arrangement has no bearing on what we say about AIA Vitality below. Our advertising policy has the full detail.

AIA Vitality in a Nutshell

It costs $13.50 a month ($162 a year) per person, on top of your premiums.
You get 10% off eligible AIA premiums from day one: From year two, the discount moves with your status at each policy anniversary: up two points a year at Platinum (to a 20% cap), unchanged at Gold, down one point at Silver, down two points at Bronze, to a floor of 0%.
Rewards top out at $560 a year: $5 a week for hitting an activity target ($260) plus $25 to $125 for each status you reach ($300), taken as Airpoints or Everyday Rewards points.
The HealthyFood Benefit is worth at most $15 a month ($180 a year): Up to 25% off the first $60 of fresh fruit and veg at Woolworths each month, in-store only, and 25% only after your annual AIA Vitality Health Check.
Achieving Silver level is easy, but Platinum is not: A free health check and a few online assessments get you to Silver, whereas Platinum needs a wearable and near-daily activity all year.
Our view in one line: Worth it if you'll do the health check and track your activity; a slow drain if you won't.

LifeDirect's AIA Vitality offer (runs until 31 December 2026)

LifeDirect, a MoneyHub partner, is paying for the first year of AIA Vitality for anyone who takes out new or increased AIA cover (for Life, Health or Income Protection) through it. Here is exactly what’s being offered:

First 12 months of AIA Vitality free: LifeDirect pays the $13.50 monthly fee to AIA directly, so it's covered from day one and there is nothing to claim back. Worth $162.
24,000 Everyday Rewards points: AIA's campaign, worth about $180 to spend at Woolworths. Apply by 31 December 2026, have the policy issued by 31 January 2027, and activate AIA Vitality and link your Everyday Rewards account in the app by 28 February 2027. Points are credited within 60 days, one credit per person. It excludes anyone who already had AIA Vitality on or before 13 August 2026 and replacement policies without an increase in cover, and AIA can close it early once its funding is used.
The standard 10% AIA Vitality premium discount from the start of the policy.
LifeDirect's 20% cashback on first-year premiums, its standing offer, paid on top (LifeDirect's terms apply).

This offer applies to every AIA policy type with no minimum premium, and existing AIA customers adding new or increased cover through LifeDirect qualify too. The points campaign runs through a limited number of insurance adviser groups, and LifeDirect is the only place we know of that offers the free points and free AIA Vitality membership together.

Two important things to note:

This only makes sense if you'd be taking out or adding to AIA cover anyway
From month 13, the policyholder pays the $13.50 fee unless you cancel the programme.

Get an AIA quote from LifeDirect for Life, Health or Income Protection

What is AIA Vitality?

AIA Vitality launched in New Zealand in 2019 and can be added to eligible AIA life, trauma, income protection and health insurance policies. It runs through an app and has three parts:

Knowing your health (online assessments and an annual in-person health check)
Improving your health (activity tracking, gym partners, nutrition, sleep and mental wellbeing content), and
Being rewarded (a premium discount, weekly and status rewards, and partner discounts).

Know This: Everything you do earns AIA Vitality points within a membership year. Bronze is 0 points, Silver 10,000, Gold 20,000 and Platinum 30,000, with a further reward tier at 35,000. Your status at each policy anniversary sets your premium discount for the year ahead, and your status during the membership year sets which rewards you unlock.

AIA also bundles a lighter membership, AIA Vitality Starter, with its online-only AIA Starter Plans. This review covers the full programme.

What does AIA Vitality cost, and what is the discount worth?

Fees and Discounts:

The fee is $13.50 a month including GST, $162 a year, per member. A couple who both want it can pay twice and earn rewards twice.
The initial 10% discount applies to eligible AIA benefit premiums from the start of the policy. Whether it covers the fee depends entirely on how much you pay AIA.
The break-even is about $135 a month in eligible premiums. Someone paying $250 a month of life, income protection and health cover gets $300 a year back before doing anything; someone on a $60 a month health-only policy gets $72 back for a $162 fee and needs the rewards to get ahead.

From the first policy anniversary, AIA's Premium Flex takes over.

Premium Flex: How your discount changes each year

Your status at each policy anniversary resets the discount for the year ahead. Use this table to understand what happens before you sign up.

Status at policy anniversary	Points needed	What happens to your discount at that status	Year 2 discount if year 1 was 10%
Bronze	0	Your discount falls 2 percentage points a year, to a floor of 0%	8%
Silver	10,000	Your discount falls 1 percentage point a year, to a floor of 0%	9%
Gold	20,000	Your discount stays where it is	10%
Platinum	30,000	Your discount rises 2 percentage points a year, to a cap of 20%	12%

Source: AIA Vitality brochure, June 2026 edition. From the initial 10%, reaching the 20% cap takes five consecutive years at Platinum. Staying at Bronze takes the discount to 0% in five years; staying at Silver takes ten.

Know This: Gold is the level where the discount stops shrinking, so it's the realistic target for most members. And a member who never opens the app pays $162 a year for a discount that goes from 10% to 0%.

How you earn AIA Vitality points

Points come from three places:

Assessments and checks
Tracked activity
Lifestyle habits

This table has the earners that matter, all per membership year unless stated.

Action	Points	How it works
AIA Vitality Health Check	Up to 10,000	1,000 for each of four measures taken (BMI, blood pressure, random blood glucose, cholesterol) plus 1,500 for each result in the healthy range. One free check a year at a participating Unichem or Life Pharmacy, or through your GP.
Physical activity	Up to 15,000	25, 50, 100 or 150 points a day from a linked device or app (heart rate, speed, steps or calories), or 100 points per Les Mills, Snap Fitness or Jetts visit. Capped at 150 a day.
Mental Wellbeing Benefit	Up to 5,000	Sleep tracking 10 points per night of seven hours or more (max 2,000), meditation 25 points per 10 minutes (max 75 a week, 2,000 a year), Groov content up to 1,200.
Organised fitness events	Up to 3,000	Up to 1,500 per approved event. Counts toward the 15,000 activity cap, not the weekly Active Rewards target.
Mission Nutrition	Up to 2,500	1,000 for the initial consultation, 500 per follow-up (max two), 500 for nutrition tracking.
AIA Vitality Age Assessment (online)	Up to 2,250	750 for the physical wellbeing assessment (once a year), 750 for the mental wellbeing assessment (up to twice a year).
AIA Vitality Fitness Assessment	Up to 2,000	1,000 for the initial consultation at CEPNZ or Snap Fitness, 500 for each measure in the healthy range.
Vaccinations	1,000 each	Flu; COVID-19 up to 2,000 a calendar year; pneumococcal and shingles (65+) once; tetanus and diphtheria once every 10 years.
Cancer screening	1,000 each	Breast (two consecutive years), cervical (five), bowel (two), MoleMap or dermatologist skin check.
Non-smoker's declaration	1,000	In the app
Dental check	1,000	Any dentist
Eye check	500	Once every three years
Skin self-examination	500	In the app
Allen Carr's Quit Alcohol seminar	500	Free access plus the points
Financial Wellbeing Assessment	250	In the app

Source: AIA Vitality Points and Rewards Guide, June 2026 edition. Points reset each membership year.

What it takes to reach each status

Silver (10,000)

The health check plus the online assessments get most people there in a month with no exercise tracking at all.
A check with all four measures taken and two in the healthy range is 7,000 points; add the age assessments (2,250), the non-smoker declaration (1,000), and a skin self-examination (500), and you're at 10,750.

Gold (20,000)

Add a dental check, a flu jab, an eye check and the financial assessment (2,750), track your sleep most nights (up to 2,000), read some Groov content and meditate a little (about 1,500), and log around 3,000 activity points, which is 60 days of a 50-point walk.
These are steady habits, not athletic ones.

Platinum (30,000)

The activity cap is 15,000 points, which is 100 days at 150 points or 300 days at 50. In practice, that means wearing it and doing four or five workouts a week, all year, on top of everything above.

35,000

All of the above plus the extras most people skip: Mission Nutrition (2,500), the fitness assessment (2,000) and a screening or vaccination.
This level unlocks the top status reward.

Important: For every status, 6,000 of the health check's 10,000 points depend on your results being in the healthy range. Someone with high blood pressure or cholesterol starts from a lower base, which is a real weakness in a programme meant to help exactly those people.

The rewards, and what each is actually worth

Rewards come in points, cash and vouchers. We outline what you need to know about earning each of them.

Earning Active Rewards (weekly)

Your target starts at 200 activity points a week and rises to a maximum of 500 as you hit it.
Each week you reach it, you choose one $5 reward: 5 Airpoints, 670 Everyday Rewards points, a $5 HOYTS, Harvey Norman, or iTunes voucher, or the ability to donate to a charity.
In total, you can earn up to $260 a year, and it requires a linked device or gym-partner visits; organised events don't count toward the weekly target.

Earning Status Rewards
Each level you reach in a membership year pays once:

Silver: 25 Airpoints or 3,340 Everyday Rewards points ($25)
Gold: 50 Airpoints or 6,670 Everyday Rewards points ($50)
Platinum: 100 Airpoints or 13,340 Everyday Rewards points ($100)
35,000 points: 125 Airpoints or 16,670 Everyday Rewards points ($125). Reach all four, and it's $300.

Know This: Combining Active Rewards and Status Rewards, the programme's ceiling is 560 Airpoints or 74,860 Everyday Rewards points, worth $560 either way.

The HealthyFood Benefit

This one is widely misunderstood - the discount applies to the first $60 (including GST) you spend on eligible fresh fruit and vegetables at Woolworths each calendar month, in-store, with your linked Everyday Rewards card scanned at the checkout.
The discount is 10% until you complete your annual AIA Vitality Health Check and 25% after, so the maximum saving is $6 or $15 a month, $72 or $180 a year, per member.
You activate it in the app each month; it resets on the first, and unused savings don't carry over.

Partner discounts
These are where the value can outrun the headline rewards, but only if you'd be buying the thing anyway.

Reward	What you get	Limits and conditions
AIA insurance premium discount	10% off eligible AIA premiums from day one	Reset at each policy anniversary by status (see Premium Flex)
Active Rewards	$5 a week as 5 Airpoints, 670 Everyday Rewards points, a $5 HOYTS, Harvey Norman or iTunes voucher, or a $5 donation	Weekly activity target of 200 to 500 points; up to $260 a year
Status Rewards	Silver 25 Airpoints or 3,340 Everyday Rewards points ($25); Gold 50 or 6,670 ($50); Platinum 100 or 13,340 ($100); 35,000 points 125 or 16,670 ($125)	Paid once per level per membership year; up to $300 a year
HealthyFood Benefit	10% off the first $60 (incl GST) of eligible fresh fruit and veg at Woolworths each month; 25% after your annual AIA Vitality Health Check	In store only, linked Everyday Rewards card, activate monthly; max $6 or $15 a month, no carry-over
Free health check	One AIA Vitality Health Check per membership year	Participating Unichem and Life pharmacies, or your GP
Gym memberships	Les Mills up to 50% off (15% discount plus 35% cashback), Snap Fitness first six weeks free, Jetts 20% off	12-month memberships; Les Mills cashback needs 24 visits a quarter
Fitness assessment	50% cashback	CEPNZ or Snap Fitness
Devices and gear	Garmin up to 25% off, Samsung up to 30% off, New Balance 25% off	Selected items, bought through the app
Movies	HOYTS vouchers up to 50% off; Event Cinemas tickets $14	Six tickets a month at each
endota gift cards	20% off at Bronze, 30% at Silver, 40% at Gold, 50% at Platinum	Four a year
Health services	MoleMap up to 25% off; Mission Nutrition up to 80% off consultations; Footprint online wills 30% off	Booked through the app
Quit programmes	Allen Carr's Easyway to Quit Smoking and Vaping, and Quit Alcohol, free	Booked through the app

Sources: AIA Vitality Points and Rewards Guide and AIA Vitality brochure, June 2026 edition. Rewards valued at face value; 2,000 Everyday Rewards points are worth $15 at Woolworths.

Is AIA Vitality worth it? Our calculations for three kinds of members

For any individual, the answer depends on how much you participate in earning points, and how many benefits you use. To help explain the options, we outline the programme for three kinds of everyday members, assuming $150 a month of eligible AIA premiums. All figures are net of AIA Vitality’s $162 annual fee.

The member	Year one	Year three	Where it settles
Joins and does nothing (stays Bronze)	+$18	-$54	-$162 a year from year six, when the discount reaches 0%
Does the basics: Silver in year one, Gold from year two, hits the weekly target about half the weeks and claims HealthyFood about half the months	+$263	+$270	About +$270 a year, with the discount holding at 9%
All in: 35,000 points every year, weekly target every week, HealthyFood at 25% every month	+$758	+$830	+$938 a year from year six at the 20% cap, before gym and device discounts

Important

Our table assumes $150 a month ($1,800 a year) of eligible AIA premiums and the $162 annual fee.
Rewards at face value in Airpoints or Everyday Rewards points; partner discounts (such as gym fee reductions) excluded.

Overall, our view is simple:

The AIA Vitality fee is only a problem for people who do nothing, and for them it's real: they pay more every year for less.
The basic member's return comes mostly from the discount for holding at Gold and the weekly $5s; HealthyFood and status rewards offer added value.
And the all-in member's number is large but earned: Achieving this status means you need a wearable, near-daily activity and every check and assessment, and the 20% cap takes five years at Platinum to reach.
The other variable is your premium - every extra $100 a month of eligible AIA cover adds $120 a year at the 10% discount and $240 at 20%, which is why AIA Vitality is likely to be a better deal for someone holding life, trauma, income protection and health insurance policies with AIA than for someone with a small health-only policy.

LifeDirect's AIA Vitality offer (runs until 31 December 2026)

Take out new or increased AIA cover through LifeDirect (for Life, Health or Income Protection), a MoneyHub partner, and LifeDirect pays your first 12 months of AIA Vitality (worth $162).
AIA adds 24,000 Everyday Rewards points (about $180 at Woolworths) if the policy is issued by 31 January 2027 and you activate AIA Vitality and link your Everyday Rewards account by 28 February 2027.
Both sit on top of the standard 10% AIA Vitality discount and LifeDirect's 20% first-year cashback.
Our View: It only makes sense if you'd be taking out or adding to AIA cover anyway, and from month 13 you pay the $13.50 fee unless you cancel.
Full conditions are in the box near the top of this page.

Get an AIA quote from LifeDirect for Life, Health or Income Protection

AIA Vitality Pros and Cons

Pros

A real discount from day one: 10% off eligible premiums, rising to 20% if you stay at Platinum.
Silver is easy: A free health check and a few online assessments, no exercise tracking needed.
The rewards are cash-equivalent: Up to $560 a year in Airpoints or Everyday Rewards points, not vouchers you'll never use.
A free clinical check-up every year: BMI, blood pressure, glucose and cholesterol measured and tracked over time.
Strong partner discounts if you'd buy anyway: Up to half off Les Mills, six weeks free at Snap Fitness, up to 25% off Garmin and 30% off Samsung devices, half-price movie vouchers.
Per member: Couples each enrolled in AIA Vitality earn two sets of rewards and two HealthyFood caps.

Cons

$162 a year regardless of use.
The discount decays for the disengaged: 10% becomes 0% in five years at Bronze.
Platinum is hard: A wearable and near-daily activity for a full year. Most members will settle at Silver or Gold.
Health check points depend on your results, so the people with the most to gain start lower.
HealthyFood is smaller than it sounds: $6 or $15 a month, Woolworths in-store only, monthly activation, no carry-over.
Rewards reset each membership year: Unused points and status don't roll over.
Your health and activity data sits with AIA Vitality and its partners, though AIA keeps it separate from underwriting and claims.
It ties you to AIA: The value is only real if AIA's cover was the right choice anyway - it may not be, and our life, trauma, income protection and health insurance comparison guides are helpful starting points.

Our Conclusion

AIA Vitality is a good deal for the engaged, roughly break-even for the mildly interested (once premiums pass $135 a month), and a drain for everyone else. Our research suggests the best test is the first 60 days:

Book the free health check, do the online assessments, link a device and see whether you keep it up.
If you're Silver at the first anniversary, you may want to keep it and aim for Gold, where the discount stops shrinking.
If you're still Bronze, you may want to cancel before the discount erodes.
Never pick an insurer for its rewards programme. Pick the cover first; if that's AIA, AIA Vitality is a good add-on for the people who'll use it.

Warning: don't switch cover for the perks

Replacing an existing life, trauma, income protection or health insurance policy means new underwriting, which can bring new exclusions for pre-existing conditions, new stand-down periods and a premium set at your current age and health.
AIA's own points campaign excludes replacement policies without an increase in cover for a reason.
Compare the total cost and quality of cover across insurers first, using our life insurance, health insurance and income protection guides; add AIA Vitality only if AIA wins on the cover.

Important: AIA Vitality and the cover it attaches to

AIA Vitality attaches to AIA Living (life, trauma, total and permanent disability, income protection and related benefits), AIA Private Health and AIA Private Health Plus, AIA Start-Up Income Protection and Cover for Life.
The discount applies to the eligible benefits on the policy, so the more of your cover sits with AIA, the more the programme is worth.
AIA also runs two other discounts that stack with it: The Multi-Benefit Discount takes 10% off when you hold life cover plus one optional category, 12.5% with two and 15% with three.
The Lifestyle Booster Discount takes up to 7% off new AIA Living life or family protection cover for the life of the cover if your BMI is between 18.5 and 26.99, you've been a non-smoker for 12 months, and you're 16 or over.
AIA advertises the three together as up to 32% off, but that figure is life-cover stacking; a health-only policy gets the 10% AIA Vitality discount and nothing else.

LifeDirect's AIA Vitality offer (runs until 31 December 2026)

Take out new or increased AIA cover through LifeDirect (for Life, Health or Income Protection), a MoneyHub partner, and LifeDirect pays your first 12 months of AIA Vitality (worth $162).
AIA adds 24,000 Everyday Rewards points (about $180 at Woolworths) if the policy is issued by 31 January 2027 and you activate AIA Vitality and link your Everyday Rewards account by 28 February 2027.
Both sit on top of the standard 10% AIA Vitality discount and LifeDirect's 20% first-year cashback.
Our View: It only makes sense if you'd be taking out or adding to AIA cover anyway, and from month 13 you pay the $13.50 fee unless you cancel.
Full conditions are in the box near the top of this page.

Get an AIA quote from LifeDirect for Life, Health or Income Protection

Alternatives to AIA Vitality

No other New Zealand insurer ties your ongoing premium to a wellness programme in this way. The nearest comparisons are Southern Cross's Healthy Lifestyle Reward, a flat 10% off health insurance premiums for up to two years if you meet its criteria when you join, and its Low Claims Discount of 5% or 10% for a year after two low-claiming years, plus the multi-policy and non-smoker discounts most life insurers offer.

However, none of them asks anything of you after day one, which means there’s no effort, but also no upside either.

The rewards themselves are not unique. Everyday Rewards is free to join, Airpoints can be earned on credit cards, and gym chains run their own promotions. So the decision isn't AIA Vitality versus another programme; it's AIA's premium, net of the AIA Vitality discount and fee, versus quotes from other insurers for the same cover.

Our life, trauma, income protection and health insurance guides cover that comparison. AIA Vitality is a tiebreaker, not a reason.

Know This: Your Data

Your AIA Vitality information is kept separate from underwriting and claims: The health and medical information you provide through the programme (assessments, health check results, activity and sleep data) is walled off from the AIA teams that assess new cover and claims, and AIA's terms say it won't be treated as known for those purposes. A high blood pressure reading at your pharmacy check does not feed into your policy.
It is shared with the people who deliver the programme: AIA passes what's needed to its partners (the pharmacy doing your health check, your gym, the rewards administrators) and can tell your adviser or the company that sold you the policy things like your points, status and which benefits you've used. Linking your Everyday Rewards account shares your linking details with Everyday Rewards. None of it is used for marketing without your consent.
The one gap to know about: If a health professional records an AIA Vitality activity in your own medical notes (a pharmacist, GP or dentist), those notes can reach AIA later if you authorise a medical records release, for example when applying for more cover or making a claim. And your duty of disclosure still applies: if the programme tells you something about your health, you must disclose it the next time you apply for or change cover. AIA's privacy statement has the details.

Frequently asked questions

How much does AIA Vitality cost?

$13.50 a month including GST ($162 a year) per member, on top of your premiums. Couples pay twice and earn twice.

Can I add AIA Vitality to an existing AIA policy?

Yes, at any time, as long as the policy has eligible cover. The 10% discount applies from when you add it and then moves with Premium Flex from your next policy anniversary.

Do I need a fitness tracker?

Not for Silver. For Gold, Platinum and the weekly Active Rewards, you'll want one: Garmin, Samsung Health, Fitbit, Google Fit, Apple Health and Strava all link, and gym-partner visits count too.

What is the AIA Vitality Health Check?

A check of your BMI, blood pressure, random blood glucose, and cholesterol takes about 30 minutes and is free once a year with membership at participating Unichem and Life pharmacies or through your GP. It's worth up to 10,000 points and unlocks the 25% HealthyFood rate.

What happens if I stop using it?

The fee keeps coming and the discount drops at each policy anniversary (two points a year at Bronze, one at Silver) until it reaches 0%. If you've stopped, you may want to cancel the membership; the discount goes with it, but so does the fee.

Does the 10% apply to all my premiums?

It applies to the premiums for eligible AIA benefits on the policy. Ask for the discount to be shown on your quote so you can see exactly what it covers.

What's better: Airpoints or Everyday Rewards points?

Same value: $25 is 25 Airpoints or 3,340 Everyday Rewards points. Pick whichever you'll actually spend. You can only spend Everyday Rewards points through the Everyday Rewards programme; Airpoints have wider uses.

Can my partner join too?

Yes. Each insured adult adds their own membership, pays their own fee and earns their own rewards, including their own HealthyFood cap.

What is AIA Vitality Starter?

A lighter membership bundled with AIA's online Starter Plans, with fewer rewards. This review covers the full programme.

Can I get AIA Vitality without an AIA policy?

No. It's an add-on to eligible AIA cover, so the first question is whether AIA's cover is right for you.

Does AIA use my AIA Vitality data for underwriting or claims?

No. AIA's terms keep the health and medical information you provide through AIA Vitality separate from its underwriting and claims teams. The exception is anything a health professional records in your own medical notes during an AIA Vitality activity, which can reach AIA later if you authorise a records release, and your duty of disclosure still applies when you apply for or change cover.

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