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 · 4 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 requiring regular dialysis | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout Chronic renal failure | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Full payout Brochure 90-day stand-down | 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
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 [marked in table as Full payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Chronic kidney (renal) failure (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
Wording effective 2025-10-08 · confidence brochure
Chronic Kidney Failure — 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/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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