Organ failure
Receipt of a major organ transplant (heart, lung, liver, kidney, pancreas, or bone marrow) is a full-payout condition. Some policies include placement on the transplant waiting list as a triggering event.
5 active trauma products from 5 insurers · 4 matrix cells on file
Each cell shows the payout status for Major Organ Transplant 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 Actual transplant or official waiting list for kidney, heart, lung, liver, pancreas, small bowel, bone marrow or blood-forming stem cell | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout | 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
The actual transplant, or placement on an official waiting list of a Transplantation Society of Australia and New Zealand recognised transplant unit, of one or more of the following organs or tissues: Kidney, Heart, Lung, Liver (including live donor liver transplants), Pancreas, Small bowel, Bone marrow, Blood-forming stem cell transplant.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Major transplant surgery [marked in table as Full payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Major organ transplant (placement on waiting list or undergoing transplant) (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed 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 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
Organ Transplant — 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/major-organ-transplant/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/major-organ-transplant/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.
Get a quote