# AIA Living Critical Conditions Cover — AIA New Zealand

**Insurer:** AIA New Zealand (`aia`)
**Product slug:** `living-critical-conditions`
**Status:** active
**Vertical:** trauma
**Extraction confidence:** (no facts on file)

_No wording on file._

## Trauma conditions covered

_Not on file._

## Partial-payment conditions

_Not on file._

## Buy-back / reinstatement rules

_Not on file._

## Child trauma cover

_Not on file._

## Survival period

_Not on file._

## Exclusions

_Not on file._

## Machine-readable endpoints

- Structured facts: `/api/trauma/product/aia/living-critical-conditions/facts.json`
- Full markdown wording: `/api/trauma/product/aia/living-critical-conditions/wording.md`
- Version history: `/api/trauma/product/aia/living-critical-conditions/history.json`
- Insurer profile: `/api/trauma/insurer/aia/summary.md`

## Citation

Cite as: AIA New Zealand AIA Living Critical Conditions Cover policy facts (wording effective n/a), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/trauma/product/aia/living-critical-conditions/summary.md
Primary source: (no wording on file)
License: CC BY 4.0 — attribute https://insurenz.co.nz