Cancer
DCIS is non-invasive breast malignancy confined to the milk ducts. Typically a partial-payment condition at 10-25%; some policies pay full if treatment requires mastectomy or radiotherapy.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Ductal Carcinoma in Situ (DCIS) 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 Covered as carcinoma in situ (Tis or FIGO O) | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout With major treatment (radical surgery or radiotherapy/systemic chemotherapy) | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Partial payout Carcinoma-in-situ of breast, classified as TIS according to TNM staging or FIGO Stage 0 | 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 | Not on file | 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. The tumour must be 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
The actual undergoing of treatment for pre-invasive carcinoma in situ. The tumour must be positively diagnosed by a specialist medical practitioner as Tis according to the TNM classification or FIGO stage 0, with supporting histological evidence and resulting in one of the following being performed: radical surgery, or medically necessary treatment by radiotherapy or systemic chemotherapy.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
The Optional Early Cancer Upgrade Benefit covers carcinoma-in-situ of the following sites...Breast...positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0
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
No verbatim definition extracted for this condition on this product yet.
GET /api/trauma-condition/dcis-breast-cancer/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/dcis-breast-cancer/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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