AAHA Personal Triangle Insurance

AAHA Personal Triangle Insurance is individual. There is no family pool and no shared family limit. Every person carries their own insurance identity, coverage, contribution history, claim history and points from childhood through employment, unemployment and retirement.

The 1% is an insurance contribution, not an income tax. When employment ends, the contribution stops. The former employer has no continuing obligation, while the individual's insurance remains active.

The basic Personal Triangle combines the everyday protection most closely connected to one person's life into one insurance record.

Additional vehicles, devices, commercial property or luxury assets may use optional additional protection and do not enlarge the basic one-person cover.

The employed Aahan may pay the 1% personally. A parent, family member, friend, employer, company, institution or registered Triangle group may instead voluntarily sponsor the full monthly contribution.

One fully sponsored person-month creates one sponsor point. Sponsorship gives no ownership over the insurance, no right to control a claim and no right to cancel the person's coverage.

A paid and claim-free month may also add one Personal Insurance Point to the Aahan's own record, so a full paid and claim-free year records 12 personal points.

If a verified employed Aahan loses the job, the 1% employment contribution stops and normal insurance becomes free. The Personal Triangle may then replace up to three months of the person's last verified salary to provide a job-search bridge.

If new employment begins before the three-month period ends, salary protection stops when the new employment income begins. Insurance remains attached to the person throughout the transition.

A participating insurer should either settle a valid covered claim or stand behind the premiums it accepted. If a qualifying covered claim is rejected outside an authorized catastrophe procedure or established fraud case, the AAHA system may immediately present a Return My Premiums action to the insured Aahan.

The protected return covers all eligible premiums actually paid into that individual's Personal Triangle from the first paid contribution up to the qualifying rejected claim. The duration does not matter: the return can apply from the second day of paid cover through thirty years or any other eligible paid period.

Premiums paid personally or by a sponsor are treated as contributions to the insured person's Personal Triangle, and the Premium Return Guarantee returns the eligible premium history to the insured Aahan. When a participating private insurer triggers this return through a qualifying rejection, all positive insurer-performance points earned from that Personal Triangle during the covered history are removed from that insurer and returned to Crown Insurance. Sponsor Triangle Ladder points are separate from insurer-performance points.

Approved insurance companies may compete to serve Personal Triangles under the same AAHA rules. Their public performance may be compared through claim speed, service quality, positive points, negative points and Premium Return events.

If no participating company accepts or adequately serves an eligible Personal Triangle, Crown Insurance becomes the insurer of last resort, covers the cost under the AAHA framework and receives the service-performance points generated by successfully carrying that responsibility.

The person—not the insurance company—remains the permanent center of the system.

King Manuki entered the Personal Triangle Insurance Order into the Royal Order Register on 8 August 2026, with implementation scheduled for 1 January 2027. The complete royal letter, comments, advisory votes, coverage tables, sponsorship rules, lifetime Premium Return Guarantee and Order History are preserved in the Royal Order Register.