Organ failure
Severe inflammation of the brain (encephalitis) with resulting persistent neurological deficit is a full-payout condition. Most policies require objective evidence of permanent impairment.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Encephalitis 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 Severe brain inflammation with significant permanent neurological sequelae or ≥25% whole person impairment or ≥1 ADL dependency | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout 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 | 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
Severe inflammation of the brain diagnosed by a specialist medical practitioner as resulting in: significant and permanent neurological sequelae, 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
Encephalitis [marked in table as both Full payment and Partial Payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Encephalitis (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
Encephalitis — 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/encephalitis/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/encephalitis/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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