> _Markdown transcription of Partners Life YouChoose Trauma Cover policy wording, effective 2025-10-08. Source: https://assets.ctfassets.net/w9dpej1et86g/FCLVyj79BiyvbQRKl0fDD/bfe3409e154a4074cd3482036f1b11ba/PLJP_OVERVIEW_TRAUMA_V01_1025.pdf_ --- Protection that fits your life stage. Partners Life Journey Plan Trauma Cover Partners Life Journey Plan partnerslife.co.nz Page 2 of 7 PLJP_OVERVIEW_TRAUMA_V01_1025  Trauma Cover Overview Protect yourself and loved ones with comprehensive Trauma Cover that provides wraparound support for Covered Conditions like cancer, a heart attack, blindness or loss of limbs. • Pays a lump sum if you suffer a Covered Condition. • Take time off work to recover, pay expenses or make alterations to your home – the money is yours to spend how you choose. • Includes trauma benefits for your children plus extra benefits to support your recovery. • Option to link your Trauma Cover to your Life Cover to reduce costs. Protection that fits your life. Your Trauma Cover is designed to provide the cover you need today, and in the future – whatever life may bring. You can choose from full cover that includes all the premium benefits Partners Life is known for. Or, if there are options you know you won’t need, simply remove them to build your own customised cover. Partners Life provides a range of insurance covers designed for specific needs that you can add* or remove from your plan when life changes – helping to keep you and your loved ones protected through your life journey. Save up to 15% on eligible premiums You can receive up to 15% discount on eligible premiums when you take out multiple covers (subject to meeting qualifying criteria). Terms and conditions apply. Talk to your adviser to find out more. Did you know? You may be able to save costs by linking your Trauma Cover to your Life Cover. You can choose between Trauma Cover Accelerated and Trauma Cover Standalone. Both options provide the same benefits – the difference is the way your claims are paid. Trauma Cover Accelerated can be a more cost-effective option because it links your Trauma Cover to your Life Cover. This means if you claim under your Trauma Cover, your Life Cover is reduced by the amount paid out. If you choose Trauma Cover Standalone, this doesn’t reduce any other cover you may have. You may have the option to ‘buy back’ your cover after you suffer a Covered Condition. Once you’ve claimed under your Trauma Cover, you may want to reinstate your benefits to the original level of cover, in case you suffer another Covered Condition in future. This is called a ‘buy back’. There are several ‘buy back’ options available under Trauma Cover. Each option has different terms. You can find a summary of those options below. For full details refer to the Partners Life Journey Plan policy wordings. What your cover provides The following tables show the benefits available under Base Cover and Options. • Benefits: These are the names of the benefits. What it covers: This provides a summary of each benefit. Conditions, exclusions and limits apply. You can find the full details in our Partners Life Journey Plan policy wordings. Special conditions, exclusions and premium loadings may also be applied to your policy. How it works: This shows the maximum amount (limit) we’ll pay in one policy year for each person who is part of your policy (“life assured”) if your claim is accepted by Partners Life. *Changes to your plan may require underwriting. Partners Life Limited Page 3 of 7 PLJP_OVERVIEW_TRAUMA_V01_1025  Base Cover Trauma Cover provides the following standard benefits for every person insured (“life assured”) as part of your policy. Benefits What it covers How it works Covered Conditions Provides a lump sum if you suffer one of the following conditions: Pays 100% of your sum insured. • Alzheimer’s Disease* Conditions marked* will pay the full sum insured on • Angioplasty** diagnosis. • Aortic Surgery Conditions marked** require a 90 day stand down • Aplastic Anaemia period. The stand down period starts from the time • Benign Brain Tumour we receive your application. • Benign Spine Tumour • Blindness • Cancer** • Cardiomyopathy • Chronic Kidney Failure • Chronic Liver Failure • Chronic Lung Failure • Coma • Coronary Artery Surgery** • Creutzfeldt-Jakob Disease (CJD) • Deafness • Dementia* • Diabetes** • Encephalitis • Heart Attack** • Heart Valve Replacement** • HIV – Medically Acquired • HIV – Occupationally Acquired • Intensive Care Treatment • Loss of Cognitive Function • Loss of Independent Existence • Loss of Limb and Sight • Loss of Limbs • Loss of Speech • Major Burns • Major Head Trauma • Meningitis and/or Meningococcal Disease • Motor Neurone Disease* • Multiple Sclerosis* • Muscular Dystrophy* • Open Heart Surgery** • Organ Transplant • Out of Hospital Cardiac Arrest • Monoplegia, Paraplegia, Quadriplegia, Diplegia, Tetraplegia and Hemiplegia • Parkinson’s Disease* • Peripheral Neuropathy • Pneumonectomy • Primary Pulmonary Hypertension • Stroke** • Systemic Lupus Erythematosus (SLE) with Lupus Nephritis • Systemic Sclerosis • Terminal Illness** (Trauma Cover Standalone only) • Total and Permanent Disability Covered Condition Option (Own occupation only) Note: This must be selected as an Option. Newborn Child’s Benefit Provides a lump sum if your biological child is diagnosed with one of the Pays 25% of your sum insured up to $50,000, in following Newborn Child Covered Conditions within four months of birth: addition to your sum insured. • Absence of Function of Limb • Blindness • Deafness • Spina Bifida • Spinal Muscular Atrophy • Tetralogy of Fallot • Transposition of Great Vessels Partners Life Limited Page 4 of 7 PLJP_OVERVIEW_TRAUMA_V01_1025  Benefits What it covers How it works Child’s Trauma Cover Benefit Provides a lump sum if your dependent child suffers a Covered Condition. This Pays up to $50,000. cover is available from four months old until their 21st birthday. Note: This limit includes any claims made under the Partial Payment Benefit Option or Diagnosis Benefit Option, if any of these options have been selected. Conversion of Child’s Trauma Your child’s Trauma Cover can be converted to their own Trauma Cover without The application must be made within 90 days of Cover Benefit medical assessment. either: • your child’s 21st birthday • the date a Trauma claim is paid to you • the date you cancel your Trauma Cover. Financial and Legal Advice Reimburses actual financial and legal costs to help manage the proceeds of a Pays up to $3,000, in addition to the sum insured. Benefit claim. Return to Home Benefit Reimburses actual transport costs for you and a support person when you Pays up to $10,000, in addition to the sum insured suffer a Covered Condition after working or living overseas for more than three consecutive months and wish to return home. Support Person Accommodation Reimburses up to 10 days’ accommodation costs for your support person if Pays $300 per day up to $3,000, in addition to the Benefit you need recommended treatment outside of your residential region. sum insured. Support Person Transport Costs Reimburses transport costs for your support person if you need Pays actual costs. Benefit recommended treatment outside of your residential region. Counselling Benefit Reimburses counselling services once a claim has been paid. Pays actual costs up to $2,500, in addition to the sum insured. Special Events Increase Benefit You can increase your sum insured without further health assessment for the Each increase is limited to the lesser of: following special events: • $300,000 per increase • Marriage or civil union or • Divorce or legal separation • the actual increase in mortgage • Full-time care of a dependant or • Increasing a residential mortgage • five times your annual salary increase or annual • Purchasing a residential property, residential investment property, vacation increase in net business profits, if applicable. home or bare residential land • Co-signing a mortgage for a child, where the residential mortgage is for that child’s primary residence • Child commencing full-time tertiary study • Birth or adoption • Salary increase • Increase in net business profits • Death or terminal illness of a spouse, de facto partner or civil union partner • Every fifth policy anniversary Conversion Benefits The following conversion benefits provide you with the opportunity to convert your Trauma Cover without assessment of health, giving you flexibility if your circumstances change. Special Events Severe Trauma Cover Conversion Benefit If a special event happens and you haven’t reached the maximum allowable increase limit, you may convert your Trauma Cover to an equal amount of Severe Trauma Cover. Conversion of Trauma Cover Standalone to Life Cover and Trauma Cover Accelerated Benefit You may convert your Trauma Cover Standalone to an equal amount of Life Cover and Trauma Cover Accelerated. Conversion of Trauma Cover to Severe Trauma Cover Benefit You may convert up to 200% of your Trauma Cover to Severe Trauma Cover up to a maximum of $500,000. Conversion of Trauma Cover Conversion of Trauma Cover to Moderate Trauma Cover Benefit Benefits You may convert up to 120% of your Trauma Cover to Moderate Trauma Cover up to a maximum of $500,000. Guaranteed Wordings No matter what changes we make to our policies in the future, we guarantee you’ll hold onto your original benefits for as long as you have your policy. Guaranteed Future Upgrade of Any future improvements to your existing cover will automatically be added to your policies. Benefits Partners Life Limited Page 5 of 7 PLJP_OVERVIEW_TRAUMA_V01_1025  Options The following Options can be added* to your Base Cover to provide comprehensive protection. *Changes to your plan may require underwriting. Benefits What it covers How it works Diagnosis Benefit Option Pays a portion of the Trauma Cover sum insured early on diagnosis, to provide Pays 25% of the sum insured up to a maximum of support between the first diagnosis of the condition and the full payment $100,000 criteria being reached. or • Angioplasty** Pays 25% of the Child’s Trauma Benefit up to a • Benign Brain Tumour maximum of $12,500 • Benign Spine Tumour Conditions marked** require a 90 day stand down • Blindness period. The stand down period starts from the time • Cancer** we receive your application. • Cardiomyopathy • Chronic Kidney Failure • Chronic Liver Failure • Chronic Lung Failure • Deafness • Encephalitis • Heart Valve Replacement** • Loss of Speech • Systemic Sclerosis The remainder of the payment is paid if and when the full payment criteria is reached. Partial Payment Benefit Option Pays a portion of the Trauma Cover sum insured on the diagnosis of: Pays 25% of the sum insured up to a maximum of • Adult Onset Insulin Dependent Diabetes Mellitus** $100,000 • Aneurysm or • Cardiac Defibrillator Insertion** Pays 25% of the Child’s Trauma Benefit up to a • Colostomy and/or Ileostomy maximum of $12,500 • Hydrocephalus Conditions marked** require a 90 day stand down • Minor Burns period. The stand down period starts from the time • Pacemaker Insertion** we receive your application. • Severe Inflammatory Bowel Disease • Severe Osteoporosis • Severe Rheumatoid Arthritis Total and Permanent Disability Pays the full Trauma Cover sum insured when you are absent from your own Pays 100% of the sum insured. (TPD) Covered Condition Option occupation for 90 days due to an accident, illness or injury and unlikely to ever return to your pre-disability occupation. Available for occupation classes 1-4 only. Future Insurability Option Allows further increases to your sum insured without further assessment or You can increase your sum insured up to 10% of the need for a special event. the original sum insured, every year on your policy anniversary, for up to 10 years. Trauma Cover Buy-Back Options You can choose to buy back your Trauma Cover after you have claimed for a Covered Condition. There are two options available: Trauma Cover Immediate Buy-Back Option Automatically buys back your Trauma Cover after you have suffered a Trauma Cover Covered Condition. Trauma Cover Deferred Buy-Back Option Alternatively, you can add the Trauma Cover Deferred Buy Back Option which enables you to buy back your Trauma Cover 12 months after a claim has been paid. It’s important to note that under the Buy-Back Options, previously claimed Covered Conditions may be permanently excluded and stand down periods may apply. Life Cover Buy-Back Option You can buy back any Life Cover which is reduced by a Trauma Cover Accelerated claim. Talk to your adviser today for help with the cover that’s right for you. This overview is a marketing document that highlights a number of the key features of Trauma Cover. The full terms and conditions, benefits and exclusions that apply to those features and to the overall Partners Life Journey Plan are detailed in the Trauma Cover Protection Benefit Sheet and Partners Life Journey Plan Policy Document available from your adviser. The availability of insurance cover is subject to your application being approved. Special conditions, exclusions and premium loadings may apply. For more details on the eligibility criteria for the 15% discount see partnerslife.co.nz/partners-life-multi-benefit-discount Partners Life Limited Page 6 of 7 PLJP_OVERVIEW_TRAUMA_V01_1025 Partners Life Limited. Private Bag 300995, Albany, Auckland 0752, New Zealand 0800 14 54 33 | partnerslife.co.nz