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Neurological

Multiple Sclerosis — NZ Trauma Cover

Multiple sclerosis triggers a full payout when diagnosed with MRI-confirmed lesions and ≥6 months continuous neurological deficit. Definitions vary on the symptom-duration threshold.

5 active trauma products from 5 insurers · 2 matrix cells on file

How every NZ trauma policy handles this

Each cell shows the payout status for Multiple Sclerosis 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
Chubb Life NZ
LifeOne Critical Illness Benefit Not on file 2026-05-17
Fidelity Life
LifeProtect Trauma Cover Full payout Unequivocal diagnosis with >1 episode of neurological abnormalities + ≥25% whole person impairment OR inability to perform ≥1 ADL OR EDSS ≥7.5 2025-04-30
AIA New Zealand
AIA Living Critical Conditions Cover Full payout Three month stand down period applies 2026-05-18
Asteron Life
Asteron Life Trauma Recovery Cover Not on file —
Partners Life
YouChoose Trauma Cover Not on file —

Verbatim definitions per insurer

The exact text from each policy wording — no editorial gloss. Source PDF cited below each block.

Chubb Life NZ logo

Chubb Life NZ

Full review →

LifeOne Critical Illness Benefit

Wording effective 2026-05-17 · confidence verified

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

Related exclusions (2)
  • Conditions or symptoms of conditions (not caused by accidental injury) which occurred within 3 months after the later of: the original cover start date, any increase to the Critical Illness Cover Amount (in respect of the increased portion only), or the most recent date this policy was reinstated (Critical Illness Benefit)
  • Cerebral symptoms due to reversible neurological deficits, migraine, cerebral injury from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions (Stroke)

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

Fidelity Life logo

Fidelity Life

Full review →

LifeProtect Trauma Cover

Wording effective 2025-04-30 · confidence verified

The unequivocal diagnosis by an appropriate specialist medical practitioner of multiple sclerosis confirming more than one episode of well-defined neurological abnormalities and at least 25% permanent impairment of whole person function, or the permanent inability to perform at least one of the activities of daily living without the assistance of an adult, or Expanded Disability Status Scale (EDSS) level of 7.5 or higher.
Related exclusions (3)
  • 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).
  • Trauma Reinstatement Benefit: the bought back cover won't pay if the trauma condition is the same as the original trauma condition, or directly or indirectly caused by or related to the original trauma condition or its symptoms or conditions, or a loss of independent existence, or a heart condition and the original trauma condition was also a heart condition, or a stroke or paralysis (directly or indirectly resulting from a stroke) and the original trauma condition was a stroke.
  • Special Events Increase is not available if the cover has been issued as a result of an optional Trauma Reinstatement Benefit being exercised; or the insured person has had a claim paid or is entitled to be paid a claim under any policy with us or any other insurance company; or premiums aren't up to date or are being waived; or the portion of cover is itself a result of a Special Events Increase.

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

AIA New Zealand logo

AIA New Zealand

Full review →

AIA Living Critical Conditions Cover

Wording effective 2026-05-18 · confidence verified

Multiple sclerosis | ✓ (three month stand down) | ✓ (full payment) | - | ✓ | ✓
Related exclusions (1)
  • The life assured (or the child in the case of a Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit) deliberately injures himself or herself or attempts to do so.

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 logo

Asteron Life

Full review →

Asteron Life Trauma Recovery Cover

Wording effective — · confidence no data

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

Partners Life logo

Partners Life

Full review →

YouChoose Trauma Cover

Wording effective — · confidence no data

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

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