Trauma Cover Lookup for Brokers & Advisers

Risk advisers writing trauma-cover SoAs need the partial-payment percentages, condition definitions and exclusions in one place. The 40-condition × 5-insurer matrix on this site is built for that workflow. Free for now; B2B subscription tier under development.

Key considerations

› The matrix renders cells from extracted PDF data, not editorial summary — every cell links to the source paragraph.
› Use the API: /api/trauma-condition/{slug}/matrix.json returns the full row across every product for any of 40 conditions.
› MCP server (planned): mcp.traumacover.co.nz — tools include trauma_matrix(condition), find_products_covering(condition), get_trauma_definition(insurer, condition).
› For groups outside Evolve's adviser network, consider the B2B subscription tier (under development) for SLA-backed access + claim-time wording lookup.

Relevant deep dives

Active retail trauma products

These are the 5 active retail NZ trauma / critical-illness products — the same set that applies to all buyers regardless of audience framing.

Chubb Life NZ

LifeOne Critical Illness Benefit

Wording effective 2026-05-17

Max entry age: —
Max renewal age: —

Full review → JSON

Fidelity Life

LifeProtect Trauma Cover

Wording effective 2025-04-30

Max entry age: —
Max renewal age: —

Full review → JSON

AIA New Zealand

AIA Living Critical Conditions Cover

Wording effective 2026-05-18

Max entry age: —
Max renewal age: —

Full review → JSON

Asteron Life

Asteron Life Trauma Recovery Cover

Wording effective —

Max entry age: —
Max renewal age: —

Full review → JSON

Partners Life

YouChoose Trauma Cover

Wording effective —

Max entry age: —
Max renewal age: —

Full review → JSON

Machine-readable API

Every product: /api/product/{insurer}/{product}/facts.json
Condition matrix: /api/trauma-condition/{slug}/matrix.json

Get a personalised quote

Premium depends on age, smoker status, sum insured + structure — get a real quote rather than rely on indicative figures.