Neurological
Alzheimer's disease / dementia is a full-payout condition when diagnosed by a specialist with persistent cognitive deficit (typically MMSE <24 sustained) and inability to perform defined ADLs.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Alzheimer's Disease and Dementia under that product, with the verbatim definition + qualifier below. "Not on file" means the cell has not yet been extracted from that insurer's published wording.
| Insurer | Product | Payout | Wording effective |
|---|---|---|---|
| LifeOne Critical Illness Benefit | Not on file | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout Permanent and irreversible loss of cognitive function requiring daily supervision | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Full payout Brochure | 2025-05-22 | |
| YouChoose Trauma Cover | Full payout Brochure Full sum insured on diagnosis — marker * | 2025-10-08 |
The exact text from each policy wording — no editorial gloss. Source PDF cited below each block.
Wording effective 2026-05-17 · confidence verified
No verbatim definition extracted for this condition on this product yet.
Wording effective 2025-04-30 · confidence verified
The confirmed diagnosis by a specialist medical practitioner of Alzheimer's disease with the permanent and irreversible loss of cognitive function. Loss of cognitive function is deterioration or loss of intellectual capacity which requires the need for daily supervision by another adult to ensure the insured person's safety.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Alzheimer's disease [marked in table as Full payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Alzheimer's disease (Trauma Recovery benefit ü, Major Trauma benefit ü); also Early Trauma benefit ü** as optional add-on with 90-day stand-down. Dementia also listed separately (Trauma Recovery benefit ü, Major Trauma benefit ü)
⚠ Source: insurer brochure (not the full policy wording). The wording contains the medical definition with clinical thresholds — request it from your adviser before claim decisions.
⚠ Source document dated 2025-05-22 — older than 12 months. Confirm currency with the insurer.
Source: https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf
Wording effective 2025-10-08 · confidence brochure
Alzheimer's Disease* — Pays 100% of your sum insured. Conditions marked* will pay the full sum insured on diagnosis.
⚠ Source: insurer brochure (not the full policy wording). The wording contains the medical definition with clinical thresholds — request it from your adviser before claim decisions.
GET /api/trauma-condition/alzheimers-disease/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/alzheimers-disease/summary.md — LLM-friendly markdown/api/product/{insurer}/{product}/facts.jsonA licensed adviser will walk you through which NZ trauma policies actually cover your situation.
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