Side-by-side verified policy facts. Every entry cites its source wording PDF.
AIA New Zealand Limited · website ↗
Chubb Life Insurance New Zealand Limited · website ↗
| Condition | AIA New Zealand | Chubb Life NZ |
|---|---|---|
| Invasive Cancer | Full | Full |
| Carcinoma in Situ | 10% | 10% |
| Heart Attack (Myocardial Infarction) | Full | Full |
| Stroke | Full | Full |
| Multiple Sclerosis | Full | Not on file |
| Kidney (Renal) Failure | Full | Not on file |
How each NZ trauma insurer defines 'Cancer' — what stages trigger a full payout, what triggers a partial-payment, what's excluded entirely. Cancer drives ~60% of NZ trauma claims so the definition shapes most claim outcomes.
Heart attack definitions vary in troponin threshold, ECG criteria, and symptom requirements. The definition decides whether a modern troponin-detected MI counts under your policy.
Most NZ trauma policies require 24-hour residual neurological deficit confirmed by imaging — TIAs and rapidly-resolving strokes typically don't qualify. This page lists each insurer's stroke definition verbatim.
Most NZ trauma policies pay 10-25% of sum-insured for a defined list of early-stage / less-severe conditions (carcinoma in situ, angioplasty, early prostate cancer). The list and percentages vary widely.
Carcinoma-in-situ — 25% of sum assured to a maximum of $75,000, Angioplasty – less than 3 vessels — 25% of sum assured to a maximum of $75,000, Cardiac Defibrillator Insertion — 25% of sum assured to a maximum of $75,000, Pacemaker insertion — partial payment, Heart valve surgery — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Benign brain or spinal cord tumour — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Cerebral Aneurysm — partial payment, Dementia — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Encephalitis — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Permanent blindness — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Permanent loss of hearing — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Permanent loss of use of limbs — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Chronic liver failure — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Intensive care — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Severe burns — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Severe Crohn's disease — partial payment, Severe osteoporosis — partial payment, Severe rheumatoid arthritis — partial payment, Severe ulcerative colitis — partial payment
Source PDF · 2026-05-18
Coronary artery angioplasty — lesser of 20% of the Critical Illness Cover Amount or $20,000, Early stage cancer — lesser of 10% of the Critical Illness Cover Amount or $20,000, Early stage chronic lymphocytic leukaemia — lesser of 20% of the Critical Illness Cover Amount or $20,000
Source PDF · 2026-05-17
Accelerated trauma cover reduces your underlying life sum-insured dollar-for-dollar on claim; standalone leaves it intact. Buy-back rules let you reinstate life cover after a claim — terms vary.
Buy-back reinstates underlying life cover after a trauma claim without fresh underwriting. Trauma reinstatement re-adds cover for new conditions after a partial-payment claim. Both terms vary massively.
Future-insurability rights let you increase trauma cover at defined life events (marriage, child, mortgage) without fresh medical evidence. Critical for buyers with family-history loadings.
Most NZ trauma policies offer a children's-trauma-rider add-on with a defined per-child sum-insured cap (often $50,000-$200,000). Covered conditions for children differ from adult cover.
NZ trauma insurers underwrite at application — pre-existing conditions usually result in loadings (25-200%), permanent exclusions, or declination. Disclosure rules and re-underwriting policies vary.
Self-inflicted injury, war / civil unrest, criminal acts, drug use, and certain pre-existing conditions are commonly excluded. Specific exclusion lists vary by insurer.
The life assured (or the child in the case of a Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit) deliberately injures himself or herself or attempts to do so., The life assured (or the child in the case of a Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit) engages in or is part of any conduct that is criminal., Any condition or any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) that existed before the risk commencement date, unless AIA is satisfied that you or the life assured could not have known of the existence of the condition or symptom or signs leading to the condition, or the condition or symptom or signs leading to the condition were declared on your application and accepted by AIA., Any intentional act by you or by any parent or guardian of the life assured, or child (where the life assured or child is under age 21 at the time)., Any intentional act by someone who lives with or supervises the life assured, or child (where the life assured or child is under age 21 at the time)., A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of a pre-existing condition., A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of any congenital condition, except where expressly covered under the Children's Congenital Conditions Benefit., No payment will be made under the Built-in Return Home Benefit if the life assured is covered for the same event with a travel insurance provider., Cardiac Defibrillator Insertion partial benefit is not payable if the life assured satisfies the criteria for a claim payment under another heart condition across all Personal AIA policies.
Source PDF · 2026-05-18
War or any act of war, Invasion, Terrorism or any acts of terrorism, Act of foreign enemy, Hostilities, strike, riot or civil commotion, Civil war, rebellion, revolution or insurrection, Military or usurped power, Attempted suicide or intentional self-injury by the life insured, whether sane or insane (Critical Illness Benefit), An unlawful act by you or the life insured (Critical Illness Benefit), Alcohol or drugs taken by the life insured — unless prescribed by a qualified medical practitioner (Critical Illness Benefit), The life insured driving a motor vehicle with a blood alcohol level exceeding the minimum legal limit (Critical Illness Benefit), Suicide, attempted suicide or intentional self-injury within 13 months of the cover start date or reinstatement date (Life, Advanced Funeral and Terminal Illness Benefits), Conditions or symptoms of conditions (not caused by accidental injury) which occurred within 3 months after the later of: the original cover start date, any increase to the Critical Illness Cover Amount (in respect of the increased portion only), or the most recent date this policy was reinstated (Critical Illness Benefit), All cancers which are histologically described as premalignant, or carcinoma in situ or cervical intraepithelial neoplasia, unless it results directly in the removal of the entire organ, All skin cancers unless: there is evidence of metastasis, or the tumour is a malignant melanoma of Clark Level 3 and above, or the tumour is a malignant melanoma with invasion greater than 1.5mm maximum thickness (Breslow method), or the tumour is a malignant melanoma showing signs of ulceration, Prostate cancers diagnosed as TNM classification T1 with a Gleason score of 5 or less, unless major interventionist therapy is performed, Chronic lymphocytic leukaemia less than Rai Stage 1, Transient ischemic attacks (TIA), Cerebral symptoms due to reversible neurological deficits, migraine, cerebral injury from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions (Stroke), Carcinoma in situ of the cervix uteri of Cervical Intraepithelial Neoplasia (CIN) classifications CIN1 and CIN2, Papillary micro-carcinoma, non-invasive papillary carcinoma and flat, non-invasive carcinoma in situ of the bladder, Early stage cancer that is the same, similar to, related to, or directly or indirectly caused by an early stage cancer that has previously been covered by the Critical Illness Benefit, A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease unless the baseline value is normal and the elevation is greater than 10 times the 99th percentile of the upper reference limit (Heart Attack)
Source PDF · 2026-05-17
Compare alongside other NZ trauma insurers — personalised quote, no obligation.
Get a quote