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 · 5 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 Focal autonomous carcinomatous cells not invading beyond basement membrane; Tis or FIGO stage O; CIN1 and CIN2 cervix excluded | 2026-05-17 | |
| LifeProtect Trauma Cover | 10% partial Breast, cervix uteri, vagina, vulva, fallopian tubes, ovary, corpus uteri, anus, perineum, penis or testicle; Tis/FIGO stage 0 without major treatment | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Partial payout A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Partial payout Covered under 'Early stage cancer' benefit — advance partial payment of Trauma Recovery Cover sum insured. Exact % not stated in this document; 3-month waiting period applies (marked **). Full % details in policy document. | 2025-05-22 | |
| YouChoose Trauma Cover | 25% partial Brochure Optional add-on (Diagnosis Benefit Option); 90-day stand-down — marker **; max $100,000 | 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
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.
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 [marked in table as Partial Payment, with three month stand down period]. Built-in Children's Trauma Benefit pays lower of $50,000 or 10% of sum assured.
Wording effective 2025-05-22 · confidence brochure
Early stage cancer. If you're diagnosed with early stage cancer you'll receive an advance payment of part of your Trauma Recovery Cover. * Early Stage Cancer Benefit is a partial payment only. It's paid on the diagnosis of early stage cancers.
Source: https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf
Wording effective 2025-10-08 · confidence brochure
Diagnosis Benefit Option: Cancer** — Pays 25% of the sum insured up to a maximum of $100,000. Conditions marked** require a 90 day stand down period.
⚠ 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/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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