Heart Valve Surgery — NZ Trauma Cover

LifeOne Critical Illness Benefit

Wording effective 2026-05-17 · confidence verified

No verbatim definition extracted for this condition on this product yet.

Related exclusions (1)

• A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease unless the baseline value is normal and the elevation is greater than 10 times the 99th percentile of the upper reference limit (Heart Attack)

Source: https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/cig0276-life-one-policy-wording-v1.pdf

LifeProtect Trauma Cover

Wording effective 2025-04-30 · confidence verified

Surgery, including minimally invasive surgery or percutaneous procedures, to replace or repair a cardiac valve or valves as a consequence of heart valve defects or abnormalities.

Related exclusions (2)

• No benefit will ever be payable for a trauma condition that occurred, was diagnosed, or where signs or symptoms became apparent within 90 days of the date we receive the complete application and valid payment instruction, or the date of reinstatement (stand-down period applies to: cancer condition, heart attack, out of hospital cardiac arrest or stroke; angioplasty – two vessels or less or angioplasty – triple vessel if there was narrowing or blockage of one or more arteries; coronary artery bypass surgery if there was disease of the arteries; aorta surgery if there was narrowing, dissection or aneurysm of the abdominal or thoracic aorta; heart valve surgery if there was heart valve defects or abnormalities).
• Heart attack: other acute coronary and other non-coronary syndromes, including but not limited to angina pectoris, are excluded; a rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease is excluded.

Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf

AIA Living Critical Conditions Cover

Wording effective 2026-05-18 · confidence verified

Heart valve surgery [marked in table as both Full payment and Partial Payment, with three month stand down period]

Source: https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/aia-living/personal/aia-living-personal-critical-conditions-policy-wording.pdf

Asteron Life Trauma Recovery Cover

Wording effective 2025-05-22 · confidence brochure

Repair or replacement of valves (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover.

⚠ 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

YouChoose Trauma Cover

Wording effective 2025-10-08 · confidence brochure

Heart Valve Replacement** — Pays 100% of your sum insured. Conditions marked** require a 90 day stand down period. The stand down period starts from the time we receive your application.

⚠ 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: https://assets.ctfassets.net/w9dpej1et86g/FCLVyj79BiyvbQRKl0fDD/bfe3409e154a4074cd3482036f1b11ba/PLJP_OVERVIEW_TRAUMA_V01_1025.pdf