Organ failure
End-stage chronic renal failure (irreversible, requiring permanent dialysis or transplant) is a full-payout condition. Acute renal failure that resolves is excluded.
5 active trauma products from 5 insurers · 2 matrix cells on file
Each cell shows the payout status for Kidney (Renal) Failure 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 End stage renal failure; chronic irreversible failure of both kidneys requiring regular dialysis | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout No stand down period; listed as Chronic renal failure | 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
No verbatim definition extracted for this condition on this product yet.
Wording effective 2025-04-30 · confidence verified
End stage renal failure diagnosed by an appropriate specialist medical practitioner and presenting as chronic irreversible failure of both kidneys to function and resulting in regular renal dialysis being started.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Chronic renal failure | - | ✓ (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/kidney-failure/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/kidney-failure/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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