Is this even legal?
I asked for my premium type to be changed from “stepped” to “Optimum” retrospectively. Not to change the policy, just the premium type. Iselect managed to have it changed, even though I’m on claim now.iselect knew I was on claim, and told me that my being on claim was on their computer screen. My file with iselect now has a note that a salesperson can’t answer questions, and I had to wait 2 days for a Manager to return my call.
AIA I have now sent me:
1. A quote signed off by AIA’s Retail Insurance Chief, on letterhead, in PDF format;
2. A co...
Worst ever policy Diamond life
annual payment $5399 , paid it every year for 12 years. the agent said i will get $5,000 back every year till i reach 100 years old. the agent did not tell us she gets $2,100 comission in first year and $100 every year for next 5 years. Then now after 12 years i find out i do not recieve $5,000 every year . but only $2750 every year. !!! now i have paid around $63,000 in total for past 12 years and if i decide to end the policy i get back only $50,000 . yes i got riped off hard and my hard earn wage for past 12 years gone.!!!!!!!
The reviewer stated that an incentive was offered for this review
Baddest of the baddest
So I have a TPD claim through Rest but the underwriter of the insurance was AIA. To cut the story short, my claim has been 2 years already and they still haven’t made any decisions for this claim. My lawyer was very proactive in following up on them by giving all the necessary documentation and evidences regarding my health condition and yet they’re the crappiest of the crappiest! So funny because my Income Protection claim through AIA as well got approved with the same health condition i made claim and yet this one hasnt. My lawyer also reques...ted to use the CMO’s report from my IP claim to be used as evidence for my TPD claim, he had sent AIA at least 4-5 letters since last Feb2020, and out of nowhere when i was in disagreement with someone in AIA regarding at my IP claim between Feb to present, out of the blue they had told me theyve changed my assessor and surprise surprise, they didn’t informed my lawyer about it while us where no clue and waiting for them to respond regarding our requests and didnt even bothered responding or acknowledging the letters been sent out to them and have to wait a month before responding to us. what kind of professionalism do you guys have?? nothing! worst insurance provider! i swear if my tpd claim gets rejected again this matter will be brought to afca and to court as i had endured so much stress already since this claim was been lodged and nobody even bothered contacting me or my lawyer explaining all of this! you guys could have done this by getting a medical professional to consult just like you guys did for my Income Protection about this health condition and the severity of it but no, you guys opted to do a lot of delaying tactics, getting our premiums from our super, yet you guys treating us like the lowest of all!
No One does Anything
My claim has been in their system now for 12 weeks . Every week I phone in to see if any progress is being made. The team on the phone are always nice but there always seems to be a reason why there is no outcome yet. If it needs more than sending an email then it just gets pushed to the side and not done. From them sending incorrectly filled in paperwork , claim they are waiting for more information from sources , but when I check there has been no request for that information ever made. I had to chase up my own medical files to be sent as the...y sent incorrect release forms. I had actually been told on week 10 that it was all approved only to find out on my next phone call to them a week later "oh really, dont know why you where told that " . The fact that there is no doubt of my medical injury doesn't seem to matter. The mental harm waiting this long for an income to start again so you can get some treatment just falls on deaf ears. I get the impression that when you explain you aren't get any physio (for example) because you cant afford to , as the mortgage , bills continue to come , just doesn't seem to sit right with them . Savings? Yep all gone on not having a wage for 3 months . Today I tried again to chase up my claim to be told we have a large workload and are understaffed. They dont know when my claim will be looked at. I was told today they tried to contact me but as my phone was engaged so that was the end of that . They don't retry and the callback gets removed from the system. I was told to contact the complaints department as that would be the fastest way to get my claim looked at. Been there done that , doesn't work. I would suggest a lot of caution if seeking Income protection from this company.
Very bad experience
the policy is not good value at all. I was getting charged monthly at a high rate and did not receive any support when i had a procedure .At first i was told it is covered then when i booked the procedure , i was told it is not covered. I had to pay everything out-of-pocket. Why am i paying thousands of dollars in Insurance if there's no support even for basic claims ? i am very disappointed and would not recommend this insurance to anyone . It claims all health awareness and frills but no real value at all.
Hayley Thomson at AIA is amazing
I had lots of issues mainly due to how complicated of a case I had. However once dealing with hayley Thomson in complaints all my issues were fixed. Wish all their employees were amazing as her
Applied for my Income Protection insurance and after 11mths, get told that I wasn’t insured for the relevant period even though it has ALWAYS been apart of my super! AIA are dodgy. Definitely taking this further! Not impressed
Worst insurance ever
Been dealing with these crooks for 9 months after our claim was acknowledged. Now I get a letter in the mail that rest no longer deal with aia. We are waiting for a final response from aia then we will be taking you to court for misrepresentation of your policy. I can see why rest left you guys.
My daughter has Income Protection through REST Super and AIA. After numerous delays and requests, finaly accepted in December as a claim. Since then up to 300 pages of information, delivered to one assessor, then another, then a senior assessor, then another assessor. Now requesting 12 years of pay slips; you have to be joking. promises that claim would be assessed in 30 days, not completed, ; every time we contact, still more forms or information. Tax return Summaries provided, now theyu want complete Tax Returns for numerous years.
What a terrible experience
AIA is seriously disappointing. I have uploaded all relevant documents and have been calling myself to follow-up as nobody ever calls me back when they said they would to update me on my claim.
The assessment for my claim was over 3 weeks ago and was told that someone would be in touch with me within the first 2 weeks with the result of my assessment. I have called every day this week for an update on my claim and the phone line says "we are busy call back later". So disappointing. I have also emailed and nobody has responded.
I have been le...ft in the dark and this is the most horrible/stressful experience. The stress of having this go on for so long adds to my pain and anxiety and I need this claim resolved as soon as possible. I truly cannot believe this is an insurance company that claims to "make a difference to peoples lives". I would like to see those words put into action.
Wish I could give no stars bullsh?t insurance
Going through afca and now a lawyer.. while stuck in bed with spine and brain injury.. nearly committed suicide 4 times thanks to this company.. no duty of care what so ever and just lie after loop hole after lie.. Going after them now I'm disgusted that a company can operate like this
I am struggling mentally physically and financially.will struggle forever.hoping to get help from AIA
I have a serious lower back injury and serious mental health issues. I have my income protection claim with AIA my claim was approved in August 2019.last year in December they told my solicitor that i am getting paid for my first year as they have to back pay me for 5.5 yrs.instead of getting paid I was summoned to provide with some documents did that.still nothing then again asking for more forms did that.still nothing same thing to me and my solicitors its been escalated and we can't give a time frame.my lawyers even sent a letter that I am r...eally struggling physically mentally financially.still nothing same thing over and over again.i am at my wits end and might take this matter to current affairs or 60 minutes.i don't know what else to do I am the one who is struggling they are not. Might take to AFCA.i have become so suicidal . mental health services visit me at home every week as I am suffering so bad and have become very suicidal. got a recent MRI done have to get surgery done asap as the pain is so excruciating 4 of my discs are prolapsed severe nerve damage have trouble standing sitting can't do anything told them still same answer.a member of mental health services was so worried that they spoke to whosoever still same thing its been escalated and priority.nothing if I commit suicide then I will be gone and not suffering what about AIA then..don't know what to do i need funds to go see the specialist for surgery.please help AIA before its too late and I do something coz I can't wait anymore I have appointment booked with the spinal seurgon but you guys are not paying me anything lying to me week in week out.i will be going to current affairs and contact ombudsman's today so please pay my payments I am not asking for anything please asap please.as you all can see I'm I'm struggling so much and they are not processing my payments I will miss my very important appointments.recomended to no one.dont ever go with this company they all lie.im bloody done with everything.im done with my life can't take it nomore.never go with them they lie and lie and lie.its all your responsibility aia.going to ombudsman tomorrow and also current affairs.liars.hoping to get help from AIA please help and please don't stop after once please keep helping as so many lives are relying on you for help please.
Absolute joke for an insurance company
after a serious accident left me with debilitating injuries i started the process of income protection. At first I was told it was be 72% of what my wage was to later be told that there is a loop hole they are able to use every time that there is no way for you to get around. After 3yrs and finally settling my personal injury suit AIA needed to repay 40-45k they had with held from me. I’m 6months later and still fighting to have it paid to me. Now things are being taken to AFCA because of the constant lies and false promises. Ricky the case man...ager promised to have it done and gave me specific deadlines but then when they passed and no news he started not accepting my calls and staff refused to put me onto a manager. After a couple of months I was able to get a hold of him to be told he had been too busy to finalize things for me because he needed time to calculate everything but hadn’t gotten around to it. I have been told multiple times this has been escalated but 6 months down the track I’m still waiting. Having now just found out my TPD claim will also be going through AIA I have absolutely no hope for the near future of having either of these claims resolved. Hopefully the AFCA will be more diligent.
If you are insured with this company you need to change it
I submitted a IP CLAIM in June of last year it took 6 months to get $15.00 per week and told this was because I am on newstart, if my claim had been processed in 60 as they stated I would not have been on centrelink so now I have put complaints in both with my super and AIA. I have had a response from my super stating my payments should be for 2 years they are only going to pay me until March 2020 instead of June 2021 my income protection amount should be 1485.12.
I submitted all the required documents before the waiting period had to abuse them To get it finalised as had waited 2 months before it was approved. Finally got first payment after a number of calls now 14 days late on next payment. Was told a week ago would be escalated called a week later told the same thing as the last person obviously hadn’t escalated it. Stress of being injured, paying physio, bills, Christmas, kids school fees etc. I’m sure my employer pays them on time to insure me but they can’t push a button to pay me?! Will be taking it further.
Diagnosed with a brain tumour 6 months ago, have sent through all my documentation months ago and heard nothing back no matter how many follow up emails have been sent. Planning to go to the ombudsman now, seeing how many people have been treated the same. Sick people shouldn't have to beg for services they have paid for.
Class action suit needed
Any interest in a class action suit against AIA directly backed by A Current Affair,ABC's 7.30 Report and The Sydney Morning Herald?
Time to hold this conglomerate accountable for it's blatant negligence and sheer lack of accountability!
As I am in the same boat as nearly everyone else on here it would seem (using the reviews as a guide) that AIA seems content on sinking without remorse with exception given to some cancer sufferers that will inadvertently affect they're bottom line less due to they're imminent demise (No disrespect meant to ca...
Dreadful support for AIA Vitality
I had the misfortune to use the AIA Vitality program as part of the Rest Superannuation app. In the last month the app stopped syncing with my activity. I contacted Rest who referred me to AIA. AIA have made no effort to fix the issue. They just referred me to Rest who then referred me back to AIA. This has gone on now for 2 weeks. BTW my experiences of support from Rest on other issues has been excellent.Yesterday I requested that AIA delete my account. AIA are just unprofessional & incompetent. Prior to the current issues, I had a similar poo...r experience with their customer support. As a follow up to my original review, I was contacted by AIA - once my account was deleted he/she did not seem interested in understanding what happened or learning from it - just stopped messaging me. My recommendation would be to just don’t give this TOXIC company any business.
- Income Protection
- Verified customer
They lie, they abuse you and they don’t care
This is an organisation that is so egotistical, it happily lies to AFCA knowing they face zero consequences (have 1 successful complaint and second one pending) Its claims staff lie ( I have transcripts) and deliberately re traumatise you.
Unprofessional and unreliable
After my injury with 100% proof and the claim being accepted over 3 months ago ive been lied to numerous times theyv'e said they sent an email to my drs for more information and its not been sent after i called and checked 3 times before booking a double appointment 3 times with the dr , my assessor angela
is never available shes off to lunch or in a confrence or has just left for the day , i will be putting in a complaint to the ombudsom and heading to a current affair ,this is unacceptable ,while i cant afford to pay my mortgage and other bills , unnecessary stress and depression , get your jobs done asap just like you taking out money for these bad circumstances .
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Questions & Answers
Can’t believe I am reading all these negative reviews.
I work for the federal government and my income protection is with AIA.
I might have to give my super a call and ask for a explanation as to why AIA was chosen.
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.
Why do you always have different excuses every time i call ? My drs have sent reports tp you AIA ans now youv'e said you need more , so i phone to make sure youv'e sent the email ,and guess what no email wasted the drs time and mine so i call again and was reassured youv'e sent and yet again not sent . How dare you make people's lives suffer even more its stressful enough losing your job over an injury over no fault of your own people have mortgages to pay im fed up with the constant lying by your staff and have never have gotten to speak with my assessor angela why? Shes out to lunch ,shes just left for the dat , or shes in a conference all a bunch of lies stop delaying my payment, i am going to the ombudsmen ,and a current affair on channel 9 and get all the people whom are suffering like myself , you have 100% proof of my injury and approved it, why keep me waiting , i will never recommend this disgusting insurance , they are unprofessional and unreliable,
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 who is your governing body? Thanks
AIA A.AIA Australia
Hi Jack. I've sent you a direct message to assist in your enquiry. Thanks - Matt (AIA Team)
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