Cancer
Localised prostate cancer (TNM T1, Gleason ≤6) typically triggers a partial payment of 10-25% rather than a full payout. Definitions and thresholds vary — full payout usually requires Gleason ≥7 or evidence of extracapsular spread.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Early-Stage Prostate Cancer 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 TNM classification T1 or Gleason score of 5 or less | 2026-05-17 | |
| LifeProtect Trauma Cover | 25% partial TNM T1 (all categories) or Gleason ≤5 | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout | 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. ... Early stage prostate cancer: Prostate cancers which are histologically described as TNM classification T1 or a Gleason score of 5 or less.
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 early stage prostate cancer of TNM classification T1 (all categories) or Gleason score less than or equal to 5.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Prostate Cancer [marked in table as Full payment, with three month stand down period]
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-prostate-cancer/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/early-prostate-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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