Organ failure
Severe end-stage chronic lung disease (FEV1 <40% predicted, or requiring permanent supplemental oxygen) is a full-payout condition.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Chronic Lung Disease 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 End stage with permanent oxygen therapy and FEV1 <1L or ≥25% whole person impairment or ≥1 ADL dependency | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Full payout Brochure | 2025-05-22 | |
| YouChoose Trauma Cover | Full payout Brochure | 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
No verbatim definition extracted for this condition on this product yet.
Wording effective 2025-04-30 · confidence verified
End stage lung disease requiring permanent oxygen therapy and with: FEV1 test results of consistently less than one litre, or at least 25% permanent impairment of whole person function, or the permanent inability of the insured person to perform at least one of the activities of daily living without the assistance of an adult.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Chronic lung disease [marked in table as Full payment, with three month stand down period]
Wording effective 2025-05-22 · confidence brochure
Chronic lung failure (Trauma Recovery benefit ü, Major Trauma benefit ü)
⚠ 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
Wording effective 2025-10-08 · confidence brochure
Chronic Lung Failure — 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.
GET /api/trauma-condition/chronic-lung-disease/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/chronic-lung-disease/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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