Side-by-side verified policy facts. Every entry cites its source wording PDF.
Asteron Life Limited · website ↗
Partners Life Limited · website ↗
| Condition | Asteron Life | Partners Life |
|---|---|---|
| Invasive Cancer | Not on file | Not on file |
| Carcinoma in Situ | Not on file | Not on file |
| Heart Attack (Myocardial Infarction) | Not on file | Not on file |
| Stroke | Not on file | Not on file |
| Multiple Sclerosis | Not on file | Not on file |
| Kidney (Renal) Failure | Not on file | 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.
Not on file.
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.
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.
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.
Not on file.
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.
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.
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.
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.
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.
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.
Not on file.
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