The 40-condition trauma cover matrix

Industry-standard NZ retail trauma conditions, grouped. Each condition page shows the full cross-insurer cover matrix — full payout, partial-payment %, or not covered — with verbatim definition + source paragraph from each policy wording.

Cancer (5)

Invasive Cancer 5/5 on file
Carcinoma in Situ 5/5 on file
Early-Stage Prostate Cancer 4/5 on file
Early-Stage Melanoma 4/5 on file
Ductal Carcinoma in Situ (DCIS) 4/5 on file

Cardiovascular (8)

Heart Attack (Myocardial Infarction) 5/5 on file
Stroke 5/5 on file
Coronary Artery Bypass Grafts (CABG) 5/5 on file
Heart Valve Surgery 4/5 on file
Cardiomyopathy 4/5 on file
Coronary Angioplasty 5/5 on file
Aortic Surgery 4/5 on file
Pulmonary Arterial Hypertension 4/5 on file

Neurological (6)

Multiple Sclerosis 4/5 on file
Motor Neurone Disease 4/5 on file
Parkinson's Disease 4/5 on file
Alzheimer's Disease and Dementia 4/5 on file
Paralysis 5/5 on file
Coma 4/5 on file

Organ failure (5)

Kidney (Renal) Failure 4/5 on file
Liver Failure 4/5 on file
Major Organ Transplant 4/5 on file
Chronic Lung Disease 4/5 on file
Encephalitis 4/5 on file

Trauma / accidental (5)

Major Head Trauma 4/5 on file
Severe Burns 5/5 on file
Blindness 4/5 on file
Deafness 4/5 on file
Loss of Speech 4/5 on file

Other (5)

Aplastic Anaemia 4/5 on file
Benign Brain Tumour 4/5 on file
Bacterial Meningitis 4/5 on file
Medically Acquired HIV 3/5 on file
Occupationally Acquired HIV 3/5 on file

Severity-based (4)

Terminal Illness 5/5 on file
Loss of Independent Existence 4/5 on file
Advanced Dementia 4/5 on file
Severe Rheumatoid Arthritis 4/5 on file

Pregnancy-related (2)

Pregnancy Complications 5/5 on file
Childbirth Complications 5/5 on file

40 canonical conditions × 5 active products = 200 matrix cells. Cells render "Not on file" where the relevant wording has not yet been extracted into our data layer. Source PDFs are the authoritative document. See topic deep-dives for cross-cutting rules like partial-payment, buy-back, and future-insurability.