Side-by-side verified policy facts. Every entry cites its source wording PDF.
Asteron Life Limited · website ↗
Fidelity Life Assurance Company Limited · website ↗
| Condition | Asteron Life | Fidelity Life |
|---|---|---|
| Invasive Cancer | Not on file | Full |
| Carcinoma in Situ | Not on file | 10% |
| Heart Attack (Myocardial Infarction) | Not on file | Full |
| Stroke | Not on file | Full |
| Multiple Sclerosis | Not on file | Full |
| Kidney (Renal) Failure | Not on file | Full |
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.
Not on file.
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.
Not on file.
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.
Not on file.
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.
Not on file.
Adult onset type 1 insulin dependent diabetes mellitus — 25% of sum insured, maximum $25,000, Alzheimer's disease diagnosis — 25% of sum insured, maximum $25,000, Aneurysm — 25% of sum insured, maximum $25,000, Angioplasty – two vessels or less — 25% of sum insured, maximum $25,000 (if sum insured less than $10,000, pay sum insured), Carcinoma in situ without major treatment — 10% of sum insured, maximum $25,000, Chronic lymphocytic leukaemia — 25% of sum insured, maximum $50,000, Colostomy and/or ileostomy — 25% of sum insured, maximum $25,000, Dementia diagnosis — 25% of sum insured, maximum $25,000, Early stage prostate cancer — 25% of sum insured, maximum $50,000, Hydrocephalus — 25% of sum insured, maximum $25,000, Loss of one limb — 25% of sum insured, maximum $25,000, Loss of sight in one eye — 25% of sum insured, maximum $25,000, Major burns — 25% of sum insured, maximum $25,000, Malignant melanoma diagnosis — 25% of sum insured, maximum $50,000, Multiple sclerosis diagnosis — 25% of sum insured, maximum $25,000, Parkinson's disease diagnosis — 25% of sum insured, maximum $25,000, Severe osteoporosis — 25% of sum insured, maximum $25,000, Severe rheumatoid arthritis — 25% of sum insured, maximum $25,000, Systemic lupus erythematosus — 25% of sum insured, maximum $25,000, Total deafness in one ear — 25% of sum insured, maximum $25,000
Source PDF · 2025-04-30
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.
Not on file.
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.
Not on file.
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.
Not on file.
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.
Not on file.
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.
Not on file.
Self-inflicted injury, war / civil unrest, criminal acts, drug use, and certain pre-existing conditions are commonly excluded. Specific exclusion lists vary by insurer.
Not on file.
You can't claim under this cover in connection with an intentional self-inflicted act or injury of the insured person., No benefit will ever be payable for a trauma condition that occurred, was diagnosed, or where signs or symptoms became apparent within 90 days of the date we receive the complete application and valid payment instruction, or the date of reinstatement (stand-down period applies to: cancer condition, heart attack, out of hospital cardiac arrest or stroke; angioplasty – two vessels or less or angioplasty – triple vessel if there was narrowing or blockage of one or more arteries; coronary artery bypass surgery if there was disease of the arteries; aorta surgery if there was narrowing, dissection or aneurysm of the abdominal or thoracic aorta; heart valve surgery if there was heart valve defects or abnormalities)., No benefit will ever be payable for a trauma condition for a child if the trauma condition directly results from known congenital conditions or any child pre-existing conditions., Coma related to alcohol or drug abuse is excluded., Coronary artery bypass surgery: angioplasty, intra-arterial procedures and other non-surgical techniques are excluded., Benign brain tumour or benign spinal tumour: cysts, granulomas, malformations in or of the arteries or veins of the brain and haematomas are excluded., Cancer: tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia, CIN1, CIN2 and CIN3) are excluded; tumours histologically classified as pre-malignant or having low-malignant potential are excluded; all hyperkeratosis or basal cell carcinomas of the skin are excluded., Heart attack: other acute coronary and other non-coronary syndromes, including but not limited to angina pectoris, are excluded; a rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease is excluded., Intensive care as a direct or indirect result of drug or alcohol abuse is excluded., Loss of speech due to psychological reasons is excluded., Major organ transplant: transplant of all other organs, parts of organs (except for liver transplant) or any other tissue transplant is excluded; cover is only applicable to the recipient, not the donor., Medically acquired HIV: HIV that is medically acquired if a cure for HIV or AIDS was available at the time the procedure is performed is excluded; HIV transmission by any other means, other than Occupationally Acquired HIV, including sexual activity or deliberate injection of a drug not prescribed by a specialist medical practitioner, is excluded., Occupationally acquired HIV: HIV transmission by any other means, other than Medically Acquired HIV, including but not limited to sexual activity or deliberate injection of a drug not prescribed by a specialist medical practitioner, is excluded., Open heart surgery: repair via catheter surgery, minimally invasive 'keyhole' or similar techniques are excluded., Peripheral neuropathy related to alcohol or drug use is excluded., Relocation Benefit is not payable for a child under the Child's Trauma Benefit, or as a result of any partial benefit payment., Trauma Reinstatement Benefit: the bought back cover won't pay if the trauma condition is the same as the original trauma condition, or directly or indirectly caused by or related to the original trauma condition or its symptoms or conditions, or a loss of independent existence, or a heart condition and the original trauma condition was also a heart condition, or a stroke or paralysis (directly or indirectly resulting from a stroke) and the original trauma condition was a stroke., Trauma Reinstatement Benefit is not available where we have paid a claim for any partial benefit., Special Events Increase is not available if the cover has been issued as a result of an optional Trauma Reinstatement Benefit being exercised; or the insured person has had a claim paid or is entitled to be paid a claim under any policy with us or any other insurance company; or premiums aren't up to date or are being waived; or the portion of cover is itself a result of a Special Events Increase.
Source PDF · 2025-04-30
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