Terms and conditions

To be an AIA Vitality Member, you must:
 

We may allow you to be an AIA Vitality Member if you don’t meet the above criteria at our discretion. For example, we may allow a person under the age of 18 to become a member, subject to meeting the conditions in clause 1.5.

 

If we determine that you no longer meet any of the above eligibility criteria, we may cancel or suspend your membership. For further information please refer to clause 8.2.

 

You may only hold one AIA Vitality Membership at any time.

 

The AIA Vitality Program is for use in Australia only and the member portal (being the 
AIA Vitality mobile device application) is unable to be accessed from certain locations outside of Australia.

You can become an AIA Vitality Member by completing an application form or via any other method we provide from time to time. Once received by us, we will process the application form and determine your eligibility. If your membership application is accepted, you will become an AIA Vitality Member and we will issue you an AIA Vitality Membership number and let you know how to activate your AIA Vitality Membership. You will need to complete the activation process to begin using your AIA Vitality Membership.

 

We recommend individuals, including any person under 18 years of age, obtain professional advice from a medical practitioner or other appropriate health professional prior to joining or participating in the AIA Vitality Program.

You can cancel your AIA Vitality Membership at any time (refer to clause 8.1). If you change your mind and would like to cancel your AIA Vitality Membership, please let us know by using the contact details provided when you first became an AIA Vitality Member (or contact us and we can direct your query to the relevant person).

Additionally, if Annual Membership Contribution applies to your AIA Vitality Membership, as set out in clause 1.7 you have a cooling off period after you first become an AIA Vitality Member to change your mind and cancel your AIA Vitality Membership and receive a refund of your Annual Membership Contribution. Your cooling off period ends on the later of 28 days after you first become an AIA Vitality Member and the cooling off period under your eligible insurance policy (refer to your policy documents to determine the cooling off period under your insurance policy). If you change your mind after your cooling off period ends, you can cancel your AIA Vitality Membership in accordance with clause 8.1.

If your AIA Vitality Membership has special conditions, we will let you know what those special conditions are and you will be bound by those special conditions if you become an AIA Vitality Member.

If you are under 18 years of age and we allow you to become an AIA Vitality Member, you:
 

If you are a parent or guardian of an AIA Vitality Member under 18 years of age, you:
 

The AIA Vitality Program (including the information and materials provided through the 
AIA Vitality Program) have been developed in consideration of adult AIA Vitality Members and may not be suitable for you. Participation in the AIA Vitality Program is at your own risk.

We may provide different categories of membership to the AIA Vitality Program, each of which may offer a different range of activities and benefits to AIA Vitality Members. We will provide you reasonable notice if we change your category of membership. Where applicable, we will provide a refund for the difference in membership contribution to the extent any contributions have been paid in advance. The refund will be calculated on whole month pro-rata basis.

Some AIA Vitality Membership categories (which may be determined based on your eligibility criteria), require the payment of an Annual Membership Contribution. Generally, an Annual Membership Contribution is payable where an AIA Vitality Membership is purchased as an addition to an AIA Australia life insurance policy.

If your AIA Vitality Membership category requires you or the policy owner of your eligible insurance policy to provide an Annual Membership Contribution or payment, we will inform you of the current Annual Membership Contribution amount (which may vary from time to time) at the time you apply to become an AIA Vitality Member and subsequently each following year. The Annual Membership Contribution must be made to us in full on an annual or such other periodic basis and using payment methods available under your eligible insurance policy (as applicable). Where periodic payments are made, each periodic payment is an instalment of the Annual Membership Contribution for your current membership year.

If we do not receive payment of your first Annual Membership Contribution (or part thereof if a catch-up payment is required) within 28 days of your AIA Vitality Membership commencing your AIA Vitality Membership will be terminated with effect from commencement.

If we do not receive any subsequent payment of the amount due of your Annual Membership Contribution in full within 60 days from the Annual Membership Contribution due date (grace period), your AIA Vitality Membership will automatically terminate. Your 
AIA Vitality Membership, AIA Vitality Points and AIA Vitality Status will remain in force during the grace period.

 

If we receive a payment in connection with your AIA Vitality Membership that is not due or receive an amount that is greater than the Annual Membership Contribution payable, we may (to the extent permitted by law) hold that amount and offset it against future amounts due in connection with your AIA Vitality Membership.

Where an Annual Membership Contribution applies to you, we may agree with your employer or another third party to have them pay your Annual Membership Contribution to us on your behalf or waive the Annual Membership Contribution (at our discretion). If we agree with your employer or another third party to have them pay your Annual Membership Contribution, your AIA Vitality Membership will be dependent on your employer or that third party paying the Annual Membership Contribution.

The AIA Vitality Program is available through the AIA Vitality mobile device application or via any other method we provide from time to time (together, the member portal). You can access the member portal by logging in with the details we provide to you. Use of the member portal is subject to these terms, the AIA Vitality Terms of Use and AIA Australia’s Privacy Policy available on the member portal and at aia.com.au.

You acknowledge that the member portal may not be available during reasonable maintenance or unexpected external events, and we will not be liable to you in connection with any unavailability of the member portal during this period. For security reasons, the member portal is unable to be accessed from certain locations outside of Australia. If you plan to travel overseas or are otherwise unable to access the member portal from your location, please contact us to discuss.

The AIA Vitality Program operates on membership years. Your first membership year will commence on the day you become a member and end one year after that date. Subsequent membership years will automatically commence on each anniversary of you becoming an AIA Vitality Member and end one year after that date until your membership ends in accordance with these terms.

The AIA Vitality Program offers a range of activities and benefits to AIA Vitality Members. Your participation in the AIA Vitality Program is your choice. You can decide which, if any, of the activities and benefits available to you as part of your AIA Vitality Membership you participate in or use.

As an AIA Vitality Member only you are entitled to use the AIA Vitality Program. Your membership is for your personal use only and is not transferrable. Without limiting this:

 

You must promptly notify us if you know or reasonably suspect there has been any unauthorised use, loss or theft of your AIA Vitality Membership details. You must also promptly change your password if you reasonably believe it has been compromised. If you have knowingly provided access to your AIA Vitality membership account to any unauthorised third party, you will be liable for all transactions made using your AIA Vitality Membership details.

You must not use your AIA Vitality Membership for illegal purposes, in any manner that is inappropriate, reasonably likely to offend others or fraudulent. We may take reasonable steps to verify the responsible use of your AIA Vitality Membership. For example, as reasonably necessary we may request relevant further information to confirm that your 
AIA Vitality Membership is being used in accordance with these terms, to verify the information provided to us or one of our partners, to confirm you have completed an activity or to verify your entitlement and responsible use of a benefit.

As part of the AIA Vitality Program you may undertake certain activities designed to help you understand or improve your health and wellbeing. You may be awarded AIA Vitality Points for these activities. You can access more details about these activities through the member portal.

 

You must only undertake an activity if you are capable of doing so safely. You should have no medical reason, impairment or disability that might prevent you from undertaking it or undertaking it safely.

 

If you are unsure, we recommend individuals, including any person under 18 years of age, obtain professional advice from a medical practitioner or other appropriate health professional prior to undertaking or participating in any activities available under the 
AIA Vitality Program.

You may need to provide your AIA Vitality Membership number and other information about yourself to us or one of our partners in order to undertake or earn points for an activity or receive a benefit.

You must answer all questions honestly, ensure that all information you provide us and our partners is complete and accurate. When reasonably requested, you must provide us and our partners with relevant information about you that directly relates to the relevant activity. You must not mislead us or provide false, incomplete or inaccurate information.

If a medical practitioner or other person has verified or provided some of the information you provide to us as part of an activity, you must ensure that this person is not related to you, and you are not expressly aware of a conflict of interest in providing or verifying the information.

If you do not provide the relevant information that we or one of our partners reasonably require, you may not be able to undertake or earn points for the activity or receive the benefit.

You agree that we can take reasonable steps to verify the accuracy of relevant information you provide us, including by contacting relevant persons (such as medical practitioners) referenced in the information provided to us. You consent to those relevant persons discussing you with us and disclosing relevant personal information (including relevant sensitive information and medical records) to us. We will act reasonably and only request such information as reasonably necessary to verify your eligibility for benefits under 
AIA Vitality.

You must complete each activity in accordance with the instructions that are provided to you, including in these terms and conditions, benefit guides and any other relevant documents we provide you in relation to the activity.

To the extent permitted by law, we make no express or implied representation or warranty regarding the completeness, accuracy, reliability, suitability or currency of the information or results provided as part of an activity.

You undertake the activities at your own risk. The activities available through the AIA Vitality Program (including the information and materials provided through the AIA Vitality Program) may not be suitable for all AIA Vitality Members. You must use your best endeavours to participate in the activities safely and avoid harm to yourself in connection with the activities. We recommend you seek the advice of your doctor if you are uncertain about the impacts of an activity on your health or are uncertain about any recommendations made as a result of an activity.

The activities provided under the AIA Vitality Program are not medical advice and not a substitute for medical advice or treatment. You should obtain professional advice or treatment from a medical practitioner, pharmacist or other appropriate health professional independently of the AIA Vitality Program in relation to your personal circumstances and any health or medical condition prior to joining or participating in the AIA Vitality Program and as and when is necessary. Information and material provided through the AIA Vitality Program may not be based on the most recent findings or developments and are not specifically tailored for any particular person. Health and fitness research may exist that could impact the information provided by us or our partners. You must not disregard, delay, change or discontinue any medication or treatment you may be receiving or other activity you may be undertaking on the recommendation of a health professional because of the results of an activity without first consulting that health professional.

Some activities may not be available at all times or in some locations or to certain age groups. Some activities may not be available in some circumstances, including due to routine maintenance or external events outside of the control of AIA. We will make reasonable endeavours to make activities available to you. If you have any feedback in relation to the activities available to you, please contact us and we can consider any concerns you may have when we review and make changes to the AIA Vitality Program in future.

In order to undertake certain activities, you may need to pay us or our partner an amount specified on the member portal or partner website or enter into a contract with our partner. In some circumstance you may need to engage a medical or health professional to complete the activity, which may incur a cost. We will not be a party to any contract between you and the partner, or you and the medical or health professional, and will have no liability in connection with it.

By undertaking activities, you can earn AIA Vitality Points.

AIA Vitality Points expire at the end of each membership year. The number of AIA Vitality Points you earn for an activity and information on the way we calculate and award points is set out on the member portal. You agree that we may change the number of points allocated to an activity or the way in which we award or calculate points from time to time. If we reduce the number of points allocated for an activity by more than 15 AIA Vitality Points, we will provide you 14 days notice.

 

Without limiting the above:

 

The number of AIA Vitality Points you have at any time is available on the member portal. We’ll update your AIA Vitality Points balance as soon as we can, however there may be a delay in processing. We recommend you login to the member portal regularly to enable any relevant fitness activities you may have completed to be synchronised and tracked by the AIA Vitality Program. You will not be awarded Vitality Points for activities (which require synchronisation) if you do not synchronise them within 8 weeks of completing the activity.

You will be allocated an AIA Vitality Status as part of your AIA Vitality Membership. Your 
AIA Vitality Status is determined by the number of AIA Vitality Points that you earn in a membership year, as set out on the member portal. Your AIA Vitality Status can change your entitlement to certain activities and benefits, as set out on the member portal and the benefit guides.

If you think your AIA Vitality Points balance or AIA Vitality Status is incorrect, please contact us. We will review your AIA Vitality Points balance and AIA Vitality Status and consider any additional evidence you give to us to determine if there should be an adjustment to your balance or status. Any determination by us (acting reasonably) is final.

With the exception of correcting any errors AIA is responsible for, any allocation of 
AIA Vitality Points cannot be amended more than 8 weeks after you completed the relevant activity.

We may (acting reasonably) amend your AIA Vitality Points balance and AIA Vitality Status at any time to correct an error we identified in the allocation or deduction of points or your status, or if we receive insufficient, inaccurate, or fraudulent evidence of an activity being completed, or if you have breached these terms in connection with the earning of the points or status.

On the first day of each membership year:
 

AIA Vitality Points are a way of measuring your participation and progress in the AIA Vitality Program. The points do not have any cash value and are not convertible into cash. Points do not give you contractual rights and are not property or currency. Points cannot be purchased and are not transferable to any other person. Points expire at the end of your membership year and on termination of your AIA Vitality Membership.

The AIA Vitality Program offers a range of benefits to members such as vouchers, discounts, cashbacks, rewards and other products and services provided by us or our partners from time to time. Your entitlement to benefits at any time is shown on the member portal and is determined by us and may be based on your membership category, the activities you complete, the number of AIA Vitality Points you have earned, your AIA Vitality Status in accordance with the rules set out in these terms, the member portal (including any information or rules contained on the member portal) and in the benefit guides, and any other special terms and conditions of your AIA Vitality Membership. Some benefits may be available to you before you earn any AIA Vitality Points or undertake any activities.

 

If you cease to be an AIA Vitality Member or breach these terms, you will no longer be entitled to benefits. The availability of benefits may be ceased, withdrawn, suspended or discontinued subject to clause 7.1

You can obtain the benefits that you are entitled to by following the instructions set out on the member portal or in our communications to you. Some benefits may expire if you don’t take actions to claim them.

Some benefits may not be available to all members or at all times or in some locations or to certain age groups. You acknowledge that the member portal may not be available during reasonable maintenance or unexpected external events and we will not be liable to you in connection with any unavailability of the member portal during this period. If you have any feedback in relation to the benefits available to you, please contact us and we can consider any concerns you may have.

The benefit guides, rules and other information available on the member portal contain further terms and conditions applicable to each benefit. If you choose to access or use a benefit, you will be bound by these additional terms and conditions.

In order to obtain some benefits you may need to pay us or our partner an amount specified on the member portal or partner website or enter into a contract with our partner. We will not be a party to any contract between you and the partner and will have no liability in connection with it.

Some activities and benefits are provided by our partners and you may acquire products or services from one of our partners. If you acquire a product or service from one of partners through the AIA Vitality Program, you:

 

These terms and condition apply to the AIA Vitality Program, including the activities and benefits available to you as part of your AIA Vitality Membership. We can change any part of these terms or the AIA Vitality Program, including the cessation, withdrawal, suspension or discontinuation of benefits, subject to the following:

 

A copy of the current terms and conditions and the most upto-date rules and information for the AIA Vitality Program can be found on the member portal or by contacting us.

We may make changes from time to time in accordance with clause 7.1, including in response to feedback, as a result of changes to our relationship with our partners and to improve or develop the AIA Vitality Program. For example, we may make changes to:

 

We may also make changes to these terms or the AIA Vitality Program as required to ensure the health and wellness or safety of our members, staff or any other person, to comply with law (including any decision, recommendation, guidance or standard of any court, tribunal, ombudsman service or regulator), or for reasons beyond our control.

If you don’t like any changes made to these terms or the AIA Vitality Program, please contact us to discuss them. You can also exercise your right to terminate your AIA Vitality Membership and this agreement under clause 8.

You may terminate your AIA Vitality Membership by contacting us during business hours on the details provided to you when you first became an AIA Vitality Member. Alternatively, you may contact us on the below details and we will direct you to the relevant person:

 

Please note, if an Annual Membership Contribution applies to your AIA Vitality Membership, (refer to clause 1.7) it may take up to 15 days to cancel future scheduled Annual Membership Contribution payments.

We may terminate your AIA Vitality Membership at any time (in whole or in part, including your access and right to utilise one or more of the activities or benefits) if:

 

We reserve the right to terminate, suspend or cease providing the AIA Vitality Program (in whole or in part) and do not guarantee that the AIA Vitality Program will continue indefinitely or that it will be managed or owned by us. We will provide you at least 90 days written notice in this event.

If your AIA Vitality Membership is terminated for any reason, you will no longer be entitled to use your AIA Vitality Membership number or access the AIA Vitality Program, the member portal or the activities and benefits (including any discounts in respect of your eligible insurance policy) available to AIA Vitality Members. Following termination of your AIA Vitality Membership, you will no longer receive AIA Vitality Member emails and other communications from us. However, please note, you may continue to receive other communication from time to time, for example, in relation to your insurance policy or other relationship you have with us (if relevant), from our partners where you have acquired products or services from them, or where permitted by law.

 

If an Annual Membership Contribution applies to your membership (refer to clause 1.7) and your AIA Vitality Membership is cancelled:

 

You may be entitled to any outstanding cashbacks that you earned less any outstanding fees due to us, subject to the terms and conditions of the relevant benefit. Any contract or agreement you may have with our partners may remain (subject to the relevant partner terms and conditions including notice period) but may be subject to altered terms (including potentially higher rates). We will not in any way be responsible for any relationship you have with our partners separate to your AIA Vitality Membership, including any continued relationship after your AIA Vitality Membership terminates.

In limited circumstances and where permitted by the special conditions of your AIA Vitality Membership, we may agree to suspend your AIA Vitality Membership for a certain period of time. If your AIA Vitality Membership is suspended, your AIA Vitality Membership will be treated in accordance with clause 8.3 as if it had terminated for the duration of that suspension, unless we notify otherwise.

Your privacy is important to us. The AIA Australia Privacy Policy sets out how your personal and sensitive information (Personal Information) is collected, used, handled and disclosed by us, and other important information. AIA Australia’s current Privacy Policy is available at 
aia. com.au or by calling
1800 333 613. This clause 9 provides a summary only of how we collect, use, handle and disclose Personal Information in connection with the AIA Vitality Program.

 

We handle and collect Personal Information for purposes which include the administration of your AIA Vitality Membership, the provision of products and services, our business operations, for statistical, research and reporting purposes, and for other purposes set out in our Privacy Policy.

By providing information to us, or to your financial adviser (and the licensed dealer or broker they represent), a distributor of AIA Vitality, the trustee or administrator of a superannuation fund, or other representative or intermediary (such as your employer or the holder of your eligible insurance policy), or by continuing your relationship with us and otherwise interacting with us, you confirm that you have been notified of the matters and consent to the collection, use, disclosure and handling of Personal Information as described in the AIA Australia Privacy Policy available on the AIA Vitality website and at aia.com.au, as updated from time to time.

We rely on the accuracy of the Personal Information provided to us. If any of your Personal Information held in connection with your AIA Vitality Membership is incorrect, out of date or incomplete, please call us on 1800 848 254 and we can take reasonable steps to correct the Personal Information. Where you provide us with Personal Information about someone else, you must have their consent to provide their information to us in the manner described in the AIA Australia Privacy Policy.

We may collect your Personal Information from, and provide your Personal Information to, our partners and other providers of activities (including but not limited to, dietitians, pharmacists and trainers) and benefits (including but not limited to the administrators and service providers of discounts, cashbacks and rewards) under the AIA Vitality Program. We will only do this to the extent necessary for us to administer the AIA Vitality Program (for example, if you choose to undertake an activity or use a benefit available).

We will not disclose your Personal Information to our partners for the purpose of direct marketing unless you consent to this or as otherwise permitted by law.

 

We may also provide non-sensitive information to your financial adviser (and the licensed dealer or broker they represent), the distributor of your AIA Vitality Membership, the trustee or administrator of your superannuation fund, or your representative or intermediary (such as your employer or the holder of your eligible insurance policy) (as applicable), and our business partners and reinsurers. For example, we may provide your name and membership number, your AIA Vitality Points balance or AIA Vitality Status, which activities you have undertaken, which of the benefits you have used or which of our partners you have engaged.

Partners and providers to whom we disclose Personal Information may be located in Australia or overseas, and you acknowledge that Australian Privacy Principle 8.1 (which relates to cross-border disclosures) will not apply to the disclosure, we will not be accountable for those overseas parties under the Privacy Act and you may not be able to seek redress under the Privacy Act. This paragraph does not apply if we have agreed otherwise with the distributor of your AIA Vitality Membership, the trustee or administrator of your superannuation fund, or your representative or intermediary (such as your employer).

If you own or are insured under an eligible insurance policy, and provide medical and health related information to us in relation to your AIA Vitality Membership, we will take steps to ensure the information that you provide to us in relation to your AIA Vitality Membership is kept separate from the underwriting and claims departments of AIA Australia who are responsible for any future underwriting or claims decisions. However, please note that where you engage a medical or other health professional to undertake an activity through the AIA Vitality Program, the professional may obtain information relating to that activity and record it as part of your medical record. The health professional may later provide your medical record information to the underwriting or claims department of AIA Australia in certain circumstances (for example as part of an underwriting or claims process where you authorise AIA Australia to receive medical information from your health professionals).

 

To the maximum extent permitted by law, AIA Australia will not be deemed, to have knowledge of any AIA Vitality Program related information in respect of its underwriting and claims functions. In accordance with your statutory duty to take reasonable care, you are still therefore obliged to disclose any of this information to the extent it may be relevant in the event of any future application for insurance cover (including increased or varied cover) or changes to existing insurance cover or claims under an insurance policy with AIA Australia (including increased or varied cover) or changes to existing insurance cover or claims under an insurance policy with AIA Australia.