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Elevate your active lifestyle and earn an Apple Watch with AIA Vitality Starter
25 August 2023

A healthier and more vibrant lifestyle is made easier by AIA with their AIA Vitality Starter membership programme. It could be the stepping stone you’ve been looking for into a world of well-being, offering valuable insights, motivation, and exclusive rewards to kickstart your wellness journey.

AIA Vitality Starter gives you insights into your health, helps you to find motivation to adopt healthier habits, and provides access to incredible discounts and rewards from top brands such as Apple where you can earn a Series 8 Apple Watch - RRP $729, join Les Mills for free and get 25% off your membership, receive 25-30% discount from New Balance, Garmin, and many others.

Access AIA Vitality Starter membership free with AIA’s range of simple online life insurance products.

How can I earn an Apple Watch?

Have you ever wanted to track your health, increase your physical activity, and stay motivated to achieve your goals?

As an AIA Vitality Starter member, you can opt into the Apple Watch Benefit. You have the option to select the Apple Watch Series 8 and utilise your rewards to fully earn the Apple Watch so you don’t have to pay for it.

Achieve your weekly Active Rewards target consistently over 24 months, and the Apple Watch is all yours through your active efforts.

Click HERE to get a quote for AIA Starter plans and take the next step in earning your Apple Watch via the AIA Vitality Starter membership.

How it works?

  • Sign up to an agreement with AIA’s loan provider, etika, and establish a direct debit*.

  • Receive an Apple Store Gift Code (valued at $729) to purchase your Apple Watch Series 8 (GPS).

  • You can select a different model and add accessories and simply pay the price difference.

  • Receive your Apple Watch via courier.

  • Log in to the AIA Vitality Member website.

  • Head over to the "Improve Your Health" tab and select "Fitness Devices and Apps."

  • Click on "Link my Apple Watch" and follow the provided prompts.

  • That’s it, you’re signed up with your new Apple Watch.

  • By staying active and hitting your weekly targets, you will work off your monthly payments.

  • Track your earned points online via the AIA Vitality Points Statement. It will appear within 5 days.

For insights on how points are granted based on heart rate, speed, steps, calories, and sleep, visit the AIA Vitality website or click here to view the physical activity points document break down. Earn up to 100 AIA Vitality Points daily by participating in tracked physical activities through synced fitness devices or apps connected to your AIA Vitality account.

*The direct debit will kick in if you fail to reach your activity target for the week - read more below.

What happens if I miss my Apple Watch weekly target?

The amount you owe to etika varies based on the number of weekly physical activity targets you achieve each month. If you happen to miss any or all of your monthly targets, the contribution that AIA Vitality makes to etika on your behalf will decrease. Check out the table below for comprehensive repayment details and the monthly sum AIA Vitality will cover.

What are the targets?

Weekly physical activity target(s) you achieve each calendar month

Your repayment to etika

AIA Vitality will pay
















*The last (24th) monthly payment will be billed at $39. AIA Vitality will cover the full $39 in the last month if all physical activity targets are met.

Save on a Les Mills membership

Being an AIA Vitality Starter member opens the door to join Les Mills for free (no joining fee), with the added bonus of saving up to 25% (through a combination of discounts and cashback) on a year-long Multi Club membership – granting you access to all clubs across New Zealand.

Plus, each visit to Les Mills earns you valuable AIA Vitality Points. Already a Les Mills member? You get benefits too. Existing Les Mills members can get the discount too.

Just terminate your membership (paying any termination fees) and sign a new standard 12 Month Multi Club membership. Please chat to your Les Mills Club for more details and to help you switch.

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How it works

New standard 12 month multi club membership

Existing Les Mills members

No joining fee



AIA Vitality 10% cashback on quarterly Les Mills membership fees



100 AIA Vitality points each day you visit



My potential Les Mills savings

Joining fee

Weekly membership

3 years membership

Existing Les Mills member




Existing Les Mills member




Total savings




How do I activate my Les Mills Gym Benefit?

Make sure your AIA Vitality membership number is linked to your Les Mills membership. Both current and new members need to activate this at their chosen Les Mills club; keep in mind, activation could take up to 5 days. Your visits to the club will only start being recorded once your Les Mills gym benefit is in effect. You can easily check this status on the AIA Vitality app or portal.

How many times do I have to go to Les Mills to get the cashback?

You need to visit a Les Mills Club a minimum of 24 times within a calendar quarter. These quarters are divided as follows: January – March, April – June, July – September, October – December.

When do I receive my cashback?

You can expect to receive the cashback in the month following the conclusion of each calendar quarter. For instance, if you meet the visit target for the January-March quarter, your cashback will be issued in April. To be eligible for the cashback, your AIA Vitality Starter membership must be active when the payment is processed. Don't forget to establish your cashback account through the membership portal.

Additional rewards available on AIA Vitality Starter

Here’s a list of all the additional rewards you have access to with AIA Vitality Starter:


Discounts or savings

Free yearly health check

Unichem & Life Pharmacy


Exclusive discounts

New Balance

30% off selected footwear

Exclusive discounts


25% off devices

Exclusive discounts


30% off selected devices

Exclusive discounts


30% off selected devices

Exclusive discounts


50% off movie vouchers

Exclusive discounts

Events Cinemas

$12 movie vouchers

Active rewards

Countdown, Airpoints, Hoyts, Harvey Norman

Earn up to $260 Active Rewards per year

How to access AIA Vitality Starter

AIA Vitality Starter is a great membership programme that unlocks many rewards, benefits and discounts. You can access this membership for free with the purchase an AIA Starter plan - a range of simple online life insurance products.

Life insurance

Purchase between $100,000 to $300,000 of life cover starting from $5.90 a fortnight. AIA Starter Life provides a lump sum payment to your loved ones if you pass away or if you are diagnosed with a terminal illness with 12 months or less to live. An advance payment of $15,000 is built into the policy which will help to cover immediate costs like funeral expense.

Rent or mortgage protection

Get financially protected for between $1,000 to $3,000 in monthly cover for 6, 12 or 24 months with AIA Starter Rent or Mortgage Protection cover. Prices start from $5.65 a fortnight. You can purchase this policy alone or together with AIA Starter Life cover.

To explore AIA Starter plans and to take the next step in getting your AIA Vitality Starter membership, click HERE.

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