Conditions Covered by Trauma Insurance
Understand what medical conditions are covered by trauma and critical illness insurance in New Zealand. Get detailed coverage information for specific conditions.
Coverage Overview
Trauma insurance typically covers 30-45+ serious medical conditions, providing a lump sum payment upon diagnosis. The specific conditions covered vary by provider and policy, but most include the major critical illnesses that affect New Zealanders.
Major Conditions
The "big three" account for most claims:
- • Cancer (all invasive types)
- • Heart Attack
- • Stroke
Common Conditions
Additional frequently covered:
- • Coronary Artery Surgery
- • Organ Transplant
- • Kidney Failure
Serious Conditions
Extended coverage includes:
- • Multiple Sclerosis
- • Parkinson's Disease
- • Major Burns
Detailed Condition Coverage
Cancer Coverage
Comprehensive guide to cancer coverage under trauma insurance
What's Covered:
- All invasive cancer types
- Staging requirements and criteria
- Common exclusions to be aware of
- How providers differ in coverage
Heart Attack Coverage
Understanding heart attack and cardiac condition coverage
What's Covered:
- Myocardial infarction definition
- Diagnostic criteria and tests required
- Related cardiac conditions covered
- Coronary artery surgery coverage
Commonly Covered Conditions
Most trauma insurance policies in New Zealand cover these conditions. Specific definitions and criteria vary by provider.
Note: This is not an exhaustive list. Most providers cover 30-45+ conditions. Specific definitions, criteria, and exclusions vary. Always review the full policy wording before purchasing.
Get Covered for What Matters Most
Compare coverage across all major NZ providers to ensure you're protected for the conditions that matter to you and your family.
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