Trauma Cover for People with a Cardiac Family History NZ

Cardiac family history typically results in standard underwriting once existing risk factors are controlled (cholesterol, blood pressure, smoking status). But the specific heart-attack + stroke definition on your chosen policy decides whether a modern troponin-detected MI counts.

Key considerations

› Heart-attack definitions differ by required troponin threshold, ECG criteria, and symptom criteria — see /topics/heart-attack-definition/.
› Angioplasty as a partial-payment condition is now standard but the qualifying threshold (single vs multi-vessel) varies.
› Stroke definitions all require ≥24h deficit + imaging confirmation — TIAs are typically excluded.
› Cardiomyopathy (NYHA III/IV threshold) is full payout but alcohol-induced is excluded.

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.