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The 40-condition matrix
Same condition (e.g. early-stage cancer, troponin-detected MI, TIA-borderline stroke) can be a full payout under one policy, a partial payment under another, and excluded under a third. We've mapped 40 conditions across every NZ retail trauma policy — verbatim from each insurer's published wording PDF.
16/30 preview cells on file · 5 active policies · snapshot May 2026
| Condition |  Chubb LifeOne |  Fidelity LifeProtect Trauma |  AIA AIA Living |  Asteron Asteron Life Trauma Recovery |  Partners YouChoose Trauma |
|---|---|---|---|---|---|
| Invasive Cancer cancer | Full | Full | Full | — | — |
| Carcinoma in Situ cancer | 10% | 10% | 10% | — | — |
| Heart Attack (Myocardial Infarction) cardiovascular | Full | Full | Full | — | — |
| Stroke cardiovascular | Full | Full | Full | — | — |
| Multiple Sclerosis neurological | — | Full | Full | — | — |
| Kidney (Renal) Failure organ | — | Full | Full | — | — |
Each cell links to the verbatim definition + source PDF · free JSON + Markdown APIs at /api/trauma-condition/{slug}/matrix.json
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