Cardiovascular
Modern MI definitions vary in the required troponin elevation level + ECG changes + symptom criteria. A "type 2" MI (demand ischaemia) may not satisfy the trauma definition. This page lists each insurer's heart-attack wording.
5 active trauma products from 5 insurers · 3 matrix cells on file
Each cell shows the payout status for Heart Attack (Myocardial Infarction) 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 | Full payout Troponin/CK-MB above 99th percentile + ischemia symptoms or ECG changes or imaging evidence | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout Typical rise/fall of cardiac biomarkers (Troponin I, Troponin T or CK-MB) + new cardiac symptoms/signs OR ECG changes OR imaging evidence of myocardial loss | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout Three month stand down period applies | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Not on file | — | |
| YouChoose Trauma Cover | Not on file | — |
The exact text from each policy wording — no editorial gloss. Source PDF cited below each block.
Wording effective 2026-05-17 · confidence verified
The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by: typical rise and/or fall of cardiac biomarkers (Troponin T or Troponin I or CK-MB) with at least one value above the 99th percentile of the upper reference limit, and one of the following: signs and symptoms of ischemia which are consistent with myocardial infarction [or ECG changes or imaging evidence].
Wording effective 2025-04-30 · confidence verified
The death of a portion of heart muscle as a result of inadequate blood supply. The basis of diagnosis must be confirmed by an appropriate specialist medical practitioner and evidenced by a typical rise and/or fall of cardiac biomarkers (Troponin I, Troponin T or CK-MB) and must also be supported by one of the following changes consistent with a heart attack: new cardiac symptoms and signs, or electrocardiogram (ECG) tests showing new significant changes, or imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Heart attack | ✓ (three month stand down) | ✓ (full payment) | - | ✓ | ✓
Wording effective — · confidence no data
No verbatim definition extracted for this condition on this product yet.
Wording effective — · confidence no data
No verbatim definition extracted for this condition on this product yet.
GET /api/trauma-condition/heart-attack/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/heart-attack/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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