Cancer
Carcinoma in situ (CIS) — pre-invasive malignancy that has not spread beyond the basement membrane — typically triggers a 10-25% partial payment. The list of qualifying sites (DCIS breast, prostate, cervix, melanoma in situ) varies by insurer.
5 active trauma products from 5 insurers · 3 matrix cells on file
Each cell shows the payout status for Carcinoma in Situ 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 | 10% partial Tis or FIGO stage 0; CIN1 and CIN2 excluded | 2026-05-17 | |
| LifeProtect Trauma Cover | 10% partial Without major treatment; breast, cervix, vagina, vulva, fallopian tubes, ovary, corpus uteri, anus, perineum, penis or testicle; Tis or FIGO stage 0 | 2025-04-30 | |
| AIA Living Critical Conditions Cover | 10% partial Focal autonomous new growth of carcinomatous cells which has not yet resulted in invasion of normal tissue | 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
Early stage cancer – the payment will be limited to the lesser of: 10% of the Critical Illness Cover Amount, or $20,000. A carcinoma in situ characterised by a focal autonomous new growth of carcinomatous cells, which has not yet resulted in the invasion of normal tissues... confirmed by a tissue biopsy and classified as Tis according to the TNM staging method or FIGO stage O.
Wording effective 2025-04-30 · confidence verified
We will pay 10% of the sum insured to a maximum of $25,000 the first time the insured person is diagnosed by a specialist medical practitioner with carcinoma in situ of the breast, cervix uteri, vagina, vulva, fallopian tubes, ovary, corpus uteri, anus, perineum, penis or testicle. Tumours must be classified as Tis according to the TNM classification or FIGO stage 0 with supporting histological evidence.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Carcinoma-in-situ | ✓ (three month stand down) | - | ✓ (partial payment) | ✓ | ✓. For Built-in Children's Trauma Benefit: the Benefit payable is the lower of $50,000 or 10% of the sum assured.
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/carcinoma-in-situ/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/carcinoma-in-situ/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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