Cancer
Early-stage melanoma (typically Breslow thickness ≤1mm without ulceration or T1a) usually triggers a partial payment of 10-25% rather than full. Non-melanoma skin cancers are commonly excluded entirely.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Early-Stage Melanoma 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 Melanoma below Clark Level 3, or Breslow ≤1.5mm without ulceration, excluded | 2026-05-17 | |
| LifeProtect Trauma Cover | 25% partial Clark Level 1 or 2 depth, <1mm Breslow thickness | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Partial payout Less than Clark Level 3 depth of invasion, and less than 1.0mm maximum thickness (Breslow), no evidence of ulceration | 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
all skin cancers unless: there is evidence of metastasis, or the tumour is a malignant melanoma of Clark Level 3 and above, or the tumour is a malignant melanoma with invasion greater than 1.5mm maximum thickness as determined by histological examination using the Breslow method, or the tumour is a malignant melanoma showing signs of ulceration
Wording effective 2025-04-30 · confidence verified
We will pay 25% of the sum insured up to a maximum of $50,000 the first time the insured person is positively diagnosed by a specialist medical practitioner with supporting histological evidence of malignant melanoma that is Clark Level 1 or 2 depth of invasion, and less than 1mm in thickness as measured using the Breslow method.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Malignant melanoma which is determined by histological examination to be less than Clark Level 3 depth of invasion, and less than 1.0mm maximum thickness as measured using the Breslow method, and shows no evidence of ulceration. [Optional Early Cancer Upgrade Benefit]
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/early-melanoma/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/early-melanoma/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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