Cardiovascular
Angioplasty (PCI with stent) is typically a partial-payment condition at 10-25%, requiring evidence of ≥1 coronary artery with significant stenosis. Single vs multi-vessel definitions vary by insurer.
5 active trauma products from 5 insurers · 5 matrix cells on file
Each cell shows the payout status for Coronary Angioplasty 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 | 20% partial Angioplasty (with or without stent) to coronary arteries; benefit payable only once | 2026-05-17 | |
| LifeProtect Trauma Cover | 25% partial One or two coronary arteries treated; angiographic evidence required. If sum insured <$10,000, full sum paid | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Partial payout Less than 3 vessels | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | 20% partial Brochure Optional add-on Early Trauma benefit; 90-day stand-down | 2025-05-22 | |
| YouChoose Trauma Cover | Full payout Brochure 90-day stand-down — 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
Coronary artery angioplasty – we'll only pay the benefit once and it will be limited to the lesser of: 20% of the Critical Illness Cover Amount, or $20,000. ... The undergoing of angioplasty (with or without insertion of a stent) to the coronary arteries to treat coronary artery disease.
Wording effective 2025-04-30 · confidence verified
We will pay 25% of the sum insured up to a maximum of $25,000 each time the insured person undergoes a coronary artery angioplasty to correct narrowing or blockage of one or two coronary arteries. If the sum insured is less than $10,000 we will pay the sum insured. Angiographic evidence indicating obstruction of the treated coronary arteries and confirmation from a specialist medical practitioner is required to confirm that the procedure is medically necessary.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Angioplasty – less than 3 vessels [marked in table as Partial Payment, with three month stand down period]. Angioplasty – 3 vessels or more [marked in table as Full payment, with three month stand down period]
Wording effective 2025-05-22 · confidence brochure
Coronary artery angioplasty (Early Trauma benefit ü**; marked **). Early trauma: partial payment (the greater of $10,000 or 20% of your total cover up to $100,000). Conditions marked ** require 3 months stand-down.
⚠ 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
Angioplasty** — Pays 100% of your sum insured. Conditions marked** require a 90 day stand down period. The stand down period starts from the time we receive your application.
⚠ 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/angioplasty/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/angioplasty/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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