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If you don’t receive a confirmation of payment immediately when you pay online, wait 1-3 days as your payment could be delayed due to public holidays or the weekend.
If after that time nothing has changed, get in touch with your bank to make sure everything is okay with your account and that it hasn’t expired. Your bank may also take a couple of days to register the payment, but if there’s nothing wrong with your account please contact us and we’ll look into it for you.
If it’s a direct debit issue, we'll wait up to 14 days from your original debit date, and then try the payment again, on (or around) day 14.
You can pay for your insurance online using your American Express, MasterCard or Visa Card or by direct debit from your bank account. Please note that for one-off Travel Insurance policies, payment can be made by credit card only. We have a range of payment options and do not charge any extra to pay by instalments.
You can make a secure credit card payment using our automated credit card payment system by calling 1300 064 781.
Your Payment Reference number appears in the Payment Slip section of your notice.
You can use the Automated Payment Phone line to pay for all your Insurance Products excluding Travel, Health, Funeral, CTP and MAI Insurance policies.
You can pay using Visa, American Express and Mastercard.
Your payment details are sent directly to AAI Limited and are safeguarded by a secure encrypted line. Your credit card or bank account details will not be shown on your insurance summary screen.
If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account.
Apia only offers 12-month insurance policy terms.
If you’re an Apia Health Insurance customer and experiencing financial difficulty due to COVID-19, you can potentially suspend your policy. Please refer to the Policy Booklet for terms, conditions and eligibility.
Apia is not able to pause any other policy type.
We understand that this can be a tough time for our customers. If your policy is up for renewal and you’re experiencing financial difficulty, please call 13 50 50 to see if we might be able to help.
The claims process will remain the same throughout COVID-19, however if you’ve got a home or comprehensive motor insurance claim, we recommend doing this online instead.
For all other policy types, please call 13 50 50 to make a claim over the phone. You can also email us your claim by selecting your policy type on the Contact Us page, and scrolling to the form at the bottom.