Neurological
Paralysis (paraplegia, quadriplegia, hemiplegia) is a full-payout condition once the loss of motor function is medically confirmed as permanent. Some definitions require a survival period.
5 active trauma products from 5 insurers · 5 matrix cells on file
Each cell shows the payout status for Paralysis 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 | Full payout Permanent and total loss of function from spinal cord or brain injury: diplegia, hemiplegia, paraplegia, or tetraplegia | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout Total and permanent loss of use of one or more limbs; includes mono-, di-, hemi-, para-, quadriplegia | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout Diplegia, Hemiplegia, Paraplegia, Quadriplegia / Tetraplegia | 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
Paralysis: The permanent and total loss of functions as a result of injury of the spinal cord or brain, as defined below: Diplegia – loss of function of both sides of the body; Hemiplegia – loss of function of one side of the body; Paraplegia – loss of function of both legs; Tetraplegia (Quadraplegia) – loss of function of both arms and both legs.
Wording effective 2025-04-30 · confidence verified
The total and permanent loss of use of one or more limbs resulting from injury or disease. Limb means an entire arm or leg and included in this definition is monoplegia, diplegia, hemiplegia, paraplegia, quadriplegia and tetraplegia. The diagnosis must be confirmed by a specialist medical practitioner.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Diplegia, Hemiplegia, Paraplegia, Quadriplegia / Tetraplegia [all marked in table as Full payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Paralysis (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
Monoplegia, Paraplegia, Quadriplegia, Diplegia, Tetraplegia and Hemiplegia — 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/paralysis/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/paralysis/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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