Pregnancy-related
Some NZ trauma policies cover defined childbirth complications including emergency hysterectomy at or following delivery, and severe perineal trauma requiring surgical repair. List varies.
5 active trauma products from 5 insurers · 5 matrix cells on file
Each cell shows the payout status for Childbirth Complications 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 covered Not listed in covered conditions; policy only covers Cancer, Early stage cancer, Stroke, Heart attack, Open coronary artery bypass surgery, Coronary artery angioplasty, Paralysis, Third-degree burns. | 2026-05-17 | |
| LifeProtect Trauma Cover | Not covered Not listed as a covered trauma condition anywhere in the wording. No mention of childbirth complications as a claimable benefit. | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Not covered The Optional Children's and Maternity Benefit covers only specific pregnancy complications (Disseminated intravascular coagulation, Eclampsia, Hydatidiform mole) at a fixed $10,000. Childbirth complications per se are not listed as a covered condition anywhere in the wording. | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Not covered Not listed anywhere in the covered conditions table or benefit descriptions. No pregnancy or childbirth-related conditions appear in the wording. | 2025-05-22 | |
| YouChoose Trauma Cover | Not covered Not listed as a Covered Condition, Partial Payment Benefit, or Diagnosis Benefit condition anywhere in the wording. | 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
The benefit covers these conditions if they meet our criteria for cover: Cancer, Early stage cancer, Stroke, Heart attack, Open coronary artery bypass surgery, Coronary artery angioplasty, Paralysis, Third-degree burns.
Wording effective 2025-04-30 · confidence verified
No verbatim definition extracted for this condition on this product yet.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
This Benefit is payable if a life assured for the Critical Conditions Benefit suffers for the first time and at least 12 months after the risk commencement date one of the defined pregnancy complication conditions... Disseminated intravascular coagulation. Eclampsia. Hydatidiform mole.
Wording effective 2025-05-22 · confidence brochure
No verbatim definition extracted for this condition on this product yet.
Source: https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf
Wording effective 2025-10-08 · confidence brochure
No verbatim definition extracted for this condition on this product yet.
GET /api/trauma-condition/childbirth-complications/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/childbirth-complications/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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