Severity-based
Advanced dementia (any cause, with persistent cognitive impairment and inability to perform ADLs independently) is a full-payout condition. Distinct from Alzheimer's-specific definitions on some policies.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Advanced Dementia 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 Permanent and irreversible loss of cognitive function requiring daily supervision | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout Dementia; full payment available, partial payment also available | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Full payout Brochure | 2025-05-22 | |
| YouChoose Trauma Cover | Full payout Brochure Full sum insured on diagnosis — marker * | 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
The confirmed diagnosis by a specialist medical practitioner of dementia with the permanent and irreversible loss of cognitive function. Loss of cognitive function is deterioration or loss of intellectual capacity which requires the need for daily supervision of another adult to ensure the insured person's safety. Daily supervision means situations such as preparing food, taking medicines, leaving the home or activities of similar severity.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Dementia [marked in table as both Full payment and Partial Payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Dementia (Trauma Recovery benefit ü, Major Trauma benefit ü); also Early Trauma benefit ü** as optional add-on with 90-day stand-down
⚠ 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
Dementia* — Pays 100% of your sum insured. Conditions marked* will pay the full sum insured on diagnosis.
⚠ 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/dementia-advanced/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/dementia-advanced/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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