# AIA Real Health — AIA

**Insurer:** AIA (`aia`)
**Product slug:** `real-health`
**Status:** legacy
**Vertical:** health
**Extraction confidence:** (no facts on file)

_No wording on file._

## Pharmac vs non-Pharmac drug cover

_Not on file._

## ACC interaction

_Not on file._

## Pre-existing conditions

_Not on file._

## Mental health

**Sublimit:** _Not on file._

**Admission rules:** _Not on file._

## Oncology / high-cost cancer drugs

_Not on file._

## IVF / assisted reproduction

_Not on file._

## Gap payment

_Not on file._

## Waiting periods

_Not on file._

## Excess options (NZD)

_Not on file._

## Sublimits (NZD)

_Not on file._

## Exclusions

_Not on file._

## Machine-readable endpoints

- Structured facts: `/api/health/product/aia/real-health/facts.json`
- Full markdown wording: `/api/health/product/aia/real-health/wording.md`
- Version history: `/api/health/product/aia/real-health/history.json`
- Insurer profile: `/api/health/insurer/aia/summary.md`

## Citation

Cite as: AIA AIA Real Health policy facts (wording effective n/a), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/health/product/aia/real-health/summary.md
Primary source: (no wording on file)
License: CC BY 4.0 — attribute https://insurenz.co.nz