AIA NZ 2025 Claims Data

AIA New Zealand’s latest 2025 claims statistics show that more than NZD $790 million was paid out in claims during the year, with 91% of all claims accepted.

These figures provide a clear picture of the health and financial challenges many New Zealand individuals and families are facing today.

One of the most significant trends remains the high number of cancer-related claims.

Cancer accounted for more than half of all trauma insurance claims and also made up a substantial proportion of life insurance claims. In addition, heart disease, neurological conditions, and respiratory illnesses continued to rank among the leading causes of claims.

Although many people assume serious illness mainly affects older generations, the data shows claims begin increasing significantly from age 40 onwards. People aged between 50 and 59 represented one of the largest overall claim groups in 2025.

Another notable trend was the continued rise in income protection claims.

Musculoskeletal conditions and mental health issues represented a major portion of these claims. In many cases, being unable to work is not necessarily caused by a critical illness. Ongoing stress, anxiety, chronic pain, back injuries, and joint problems can all have a major impact on a person’s ability to maintain regular income.

Health insurance claims also continued to increase throughout 2025.

Rising healthcare costs, increasing demand for private medical services, and longer waiting times within the public healthcare system are prompting more New Zealanders to reconsider the importance of health insurance and financial protection.

For many households today, health insurance is no longer viewed simply as reimbursement for medical expenses. It is increasingly valued for providing faster access to specialists, diagnostic testing, and treatment when timely care is needed.

The purpose of insurance is not about expecting negative events to happen.

Its real value lies in providing financial security, flexibility, and support during challenging periods of life. For individuals with mortgages, dependents, or reliance on stable income, planning ahead can create greater certainty and more financial options in the future.

Claims data should not be viewed as something that creates fear — instead, it helps people better understand real-life risks and make more informed financial decisions for themselves and their families.