Cancer
Invasive cancer (any malignant tumour spread beyond the basement membrane, excluding the partial-payment conditions listed separately) is the headline trauma claim trigger. Definitions vary slightly between insurers — this page lists the exact wording.
5 active trauma products from 5 insurers · 3 matrix cells on file
Each cell shows the payout status for Invasive Cancer 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 | Full payout Excludes premalignant, CIS, skin cancers unless metastasis/melanoma Clark ≥3 or Breslow >1.5mm or ulceration, prostate T1 Gleason ≤5 unless major therapy, CLL <Rai Stage 1 | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout Invasive malignant tumours beyond basement membrane; specific TNM/staging thresholds apply by cancer type | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout Excludes early prostate cancer, early melanoma, and certain specified cancers | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Not on file | — | |
| YouChoose Trauma Cover | Not on file | — |
The exact text from each policy wording — no editorial gloss. Source PDF cited below each block.
Wording effective 2026-05-17 · confidence verified
The uncontrolled growth and spread of malignant cells and the invasion and destruction of tissue for which major interventionist therapy including surgery, radiotherapy, chemotherapy, biological response modifiers or any other major treatment is considered medically necessary, or the tumour is sufficiently advanced and major interventionist therapy is no longer recommended.
Wording effective 2025-04-30 · confidence verified
The confirmed presence of one or more invasive malignant tumours diagnosed by a specialist medical practitioner with supporting histological evidence of uncontrolled growth of malignant cells and invasion of normal tissue beyond the basement membrane.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Malignant tumours and blood cancers | ✓ (three month stand down) | ✓ (full payment) | - | ✓ | ✓
Wording effective — · confidence no data
No verbatim definition extracted for this condition on this product yet.
Wording effective — · confidence no data
No verbatim definition extracted for this condition on this product yet.
GET /api/trauma-condition/cancer-invasive/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/cancer-invasive/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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