AIA Australia Income Protection Questions & Answers

Contact an insurance broker or price comparison website for a quote. It won’t be cheap.
Compare prices as well as features.
I know a cabinetmaker around your age. Accountant advised him to give up his IP insurance and put the money into bank for retirement because premiums were too expensive. He did that about 10 years ago because premiums were getting too high. He now has accident only insurance, just because he does some government work (schools and hospital) and has to have that to tender for government jobs. That might be more suitable for your circumstances.

avoid them as much you can do.i even hired a solicitor because they are pathetic idiots

Anything they promise in their promotional material is far from the experience they will actually provide. They will potentially cripple you emotionally. Definitely change insurer.

Are you claiming through your super or AIA directly?

Hi Natalie I am in the same situation as you ! I am so tired of getting the run around and ringing them constantly ! They keep saying to me they never receive my documents and then I send and send but no communication at all ! I pray someone can help us because I am genuinely injured and have no money but have super and this so called income protection, I am stressed just like you but getting no where and no payment from AIA they are all uncaring and unprofessional we need to start a group and do something about this company! Sue

I am puting in formal complaint to the ombudsom, and their company as well also this week calling a current affair on channel 9 i am fed up of excuses and lies, they really think we are just another number when we have our mortages to pay and other bills i have a depression problem directly from my injury, i do believe they have their proticales to follow and need some time, they need to read their own product, as they advertise, they (help you in the event of injury or illness) hahaha false advertising liars.

Hi Natalie, a friend of mine works for a current affair and knows just how bad AIA are because I have been telling her about them for the last couple of years. Let me know if you would like me to put you in touch. Leigh Sales from ABC's 7.30 would also be an excellent option.

AFCA, Australian Financial Complaints Authority. I would encourage everyone here to lodge a complaint with AFCA. It will only be then that AIA will start to handle claims in a professional and efficient manner as opposed to the passive agressive customer service currently being provided.

They're a joke my super rest use AIA looks like they don't pay anyone I'd be interested if anyone has had a positive out come please!

So far, I didn’t see any good review about AIA, only negatives, super funds should really check who they associate themselves with :-(

ive broght the mental health awareness up in my obundman complaint as they were continually lying to me

Hopeless looks like no one gets paid I had surgery in Jan still haven't got one cent! I've been with rest over 30yrs paying insurance I just get my solicitors to deal with it far too stressful for me I'm not on medication for anxiety! They don't care!

No I didn't I've handed mine over to solicitors, this rest insurance is an absolute disgrace meaning Rest deals with 1star AIA insurance you get no response what's so ever god forbid if they rang to see how you were coping!! The answer is they don't care!!

I have used my annual leave now I am very sick, the said that it is part of my income.

Why are you asking me?

I have hired someone to help me with AIA. It’s been very helpful after ten years of drama. It takes the stress off me and I get results. https://www.integrityresolutions.com.au/

I'm not sure coz until now i tried to claim for it as part of my insurance in REST but to no t a good out come was denied

You choose your waiting period in the application process. It’s usually a choice between 30, 60, 90 and 180 days.
The longer you agree to wait before claiming, the lower your premium.
However, whilst a 180 day waiting period may be ok for someone with a large amount of savings, it’s just not appropriate for most

Hi Maxboy, hopefully they will be on their best behaviour with the current Royal Commission into Banking and Financial Services investigating the behaviour of insurance companies. If you're not treated fairly, make a submission to the Royal Commission. The info is below.

Hi. Please see below exciting info about Royal Commission investigating the unconscionable behaviour of companies like AIA.

You can make a submission at https://royalcommissionwebform.lawinorder.com.au/#/

You can subscribe to receive all communications at
https://financialservices.royalcommission.gov.au/Pages/Contact-us.aspx

More info can be found at
https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/BankingSuperFSRoyalCommission

FINANCIAL SERVICES ROYAL COMMISSION TO HOLD INITIAL PUBLIC HEARING
Media Release
22 January 2018
The Royal Commission into Misconduct into the Banking, Superannuation and Financial Services Industry will
hold an initial public hearing in Melbourne at 10am on Monday 12 February 2018.
At this hearing the Commissioner and Senior Counsel Assisting will make short opening statements.
No witnesses will be called.
The hearing will be held at Level 6, 11 Exhibition Street in Melbourne and will be open to the public although
seating will be limited.
The hearing will be streamed live through the Royal Commission's website and a transcript will be available on
this site shortly after the hearing.
Further information about the Royal Commission and Terms of Reference are available on the Royal
Commission’s website: https://financialservices.royalcommission.gov.au
Public Submissions
The Commission is inviting submissions from any individual or entity wishing to tell the Commission about
misconduct in the Banking, Superannuation or Financial Services Industry.
The online form for submissions is now available on the Royal Commission website.
The Commission is required to conduct an inquiry. It cannot resolve individual disputes, fix or award
compensation, or make orders requiring a party to a dispute to take or not take any action.
The online form has been designed to organise the information provided in a way that will guide the user, and
help the Commission, by categorising the information in line with the areas of inquiry set out in the
Commission’s Terms of Reference.
The Commission may contact some individuals or entities that make submissions. The Commission will not be
able to contact everyone who makes a submission but will ensure that all submissions are recorded, reviewed
and used to inform the Commission's work.
Further Information
Practice Guideline 1 sets out the procedures for establishing the conduct of the Royal Commission and
Media Guidelines for public hearings are also available.
The Royal Commission can be contacted by email at [email protected] for
general enquiries and at [email protected] for media enquiries.

Read this: https://www.moneymanagement.com.au/news/liferisk/death-policy
Be on guard with AIA.

Thanks La Hola for the information regarding the Integrity Resolutions company. Unfortunately at $250 per hour this would still be very expensive for many people. FOS has now been replaced by AFCA and they have greater powers and still act for free. They are very helpful and you can give your evidence over the phone if you find filling out online forms difficult. Personally I would go directly to them instead of paying someone to put you in touch with them. Hope this helps

Hi Kathy, depends on your situation how long it may take. Are you premiums up to date? Has your claim been accepted, if so and you waited the 60 days once you were not working at all, then there should be no reason for the delay. I did need to ring them constantly, like two to three times a week..

If your claim is approved, you're entitled to back payments. In the meantime, you can try speeding up the process by chasing up paper work with doctors. Ask for lettees to be emailed rather than posted. Explain why you need things quicker. Also, call AIA to see if there is any other paper work needed. Usually, they leave out such details to stall the process but they are obligated to tell you if you ask. Bear in mind that this changes as they process the claim, so if they say they don't need anything else one week, that may change 2 weeks down the line, so keep in touch with the process. Best of luck!.

A couple of comments mentioned a class action lawsuit, might be worth checking it out.

Thank you Emma for your response.

We are employees who do not recommend REST under any circumstances to our employees after our personal ordeal involving our son. In the end we put the whole matter in the hands of our solicitors. Fortunately we had the funds to do so, however another option maybe to approach the Insurance Ombudsman. REST and their thieving administrators AIA used every tactic to delay or deny the claim despite all the medical evidence supporting his claim. They, not once but on many occasions lost all of the submitted paper work and repeatedly requested new copies. Phone calls not returned and impossible to contact. They had the cheek to have a representative contact us to drum up more support as an employee. Another of our employees developed leukemia and again suffered the same torchere we went through as a family. I think of them as the silent killers. They have a lot to answer for! Good luck.

Try the insurance ombudsman. If you can attract media attention then this always will get their attention as these underhanded disorganisation hate bad media exposure. If you have the funds then legal representation is another option, however expensive.

Go to Morcon lawyers have a chat to them as they have experts in handling these income protection vultures

Hi Kathy. Morcon lawyers? I didn't find them on google. Can you please confirm these lawyers name or address? Thank you!

Yes you do