Cardiovascular

Aortic Surgery — NZ Trauma Cover

Surgery of the aorta (replacement, repair, or graft of the aorta or its branches for disease) is a full-payout trauma event under all NZ retail trauma policies.

5 active trauma products from 5 insurers · 4 matrix cells on file

How every NZ trauma policy handles this

Each cell shows the payout status for Aortic Surgery 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 Surgery for narrowing, dissection or aneurysm of abdominal or thoracic aorta 2025-04-30
AIA Living Critical Conditions Cover Full payout 2026-05-18
Asteron Life Trauma Recovery Cover Full payout Brochure 90-day stand-down 2025-05-22
YouChoose Trauma Cover Full payout Brochure 2025-10-08

Verbatim definitions per insurer

The exact text from each policy wording — no editorial gloss. Source PDF cited below each block.

Chubb Life NZ logo

Chubb Life NZ

Full review →

LifeOne Critical Illness Benefit

Wording effective 2026-05-17 · confidence verified

No verbatim definition extracted for this condition on this product yet.

Source: https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/cig0276-life-one-policy-wording-v1.pdf

Fidelity Life logo

Fidelity Life

Full review →

LifeProtect Trauma Cover

Wording effective 2025-04-30 · confidence verified

Surgery, including minimally invasive surgery or percutaneous procedures, to correct any narrowing, dissection or aneurysm of the abdominal or thoracic aorta by repair or its replacement.
Related exclusions (1)
  • No benefit will ever be payable for a trauma condition that occurred, was diagnosed, or where signs or symptoms became apparent within 90 days of the date we receive the complete application and valid payment instruction, or the date of reinstatement (stand-down period applies to: cancer condition, heart attack, out of hospital cardiac arrest or stroke; angioplasty – two vessels or less or angioplasty – triple vessel if there was narrowing or blockage of one or more arteries; coronary artery bypass surgery if there was disease of the arteries; aorta surgery if there was narrowing, dissection or aneurysm of the abdominal or thoracic aorta; heart valve surgery if there was heart valve defects or abnormalities).

Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf

AIA New Zealand logo

AIA New Zealand

Full review →

AIA Living Critical Conditions Cover

Wording effective 2026-05-18 · confidence verified

Aortic surgery [marked in table as Full payment, with three month stand down period]

Source: https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/aia-living/personal/aia-living-personal-critical-conditions-policy-wording.pdf

Asteron Life logo

Asteron Life

Full review →

Asteron Life Trauma Recovery Cover

Wording effective 2025-05-22 · confidence brochure

Repair or replacement of aorta (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover.

⚠ 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

Partners Life logo

Partners Life

Full review →

YouChoose Trauma Cover

Wording effective 2025-10-08 · confidence brochure

Aortic Surgery — Pays 100% of your sum insured.

⚠ 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: https://assets.ctfassets.net/w9dpej1et86g/FCLVyj79BiyvbQRKl0fDD/bfe3409e154a4074cd3482036f1b11ba/PLJP_OVERVIEW_TRAUMA_V01_1025.pdf

Machine-readable API for this page

Get cover advice for Aortic Surgery

A licensed adviser will walk you through which NZ trauma policies actually cover your situation.

Get a quote