Severity-based
Permanent inability to perform a defined number of Activities of Daily Living (dressing, washing, feeding, toileting, transferring, mobility) is a full-payout condition. Number of ADLs and persistence threshold vary by insurer.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Loss of Independent Existence 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 Totally and permanently unable to perform ≥2 ADLs without adult assistance | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout | 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
As a result of disease, sickness or injury, the insured person is totally and permanently unable to perform at least two 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
Loss of independent existence [marked in table as Full payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Loss of independent existence (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
Loss of Independent Existence — 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/loss-of-independent-existence/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/loss-of-independent-existence/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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