Pregnancy-related
Some NZ trauma policies include a defined list of pregnancy complications (eclampsia, disseminated intravascular coagulation, ectopic pregnancy with surgery, postpartum haemorrhage requiring transfusion). Pregnancy itself is universally excluded.
5 active trauma products from 5 insurers · 5 matrix cells on file
Each cell shows the payout status for Pregnancy Complications 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 covered Not listed in covered conditions; policy only covers Cancer, Early stage cancer, Stroke, Heart attack, Open coronary artery bypass surgery, Coronary artery angioplasty, Paralysis, Third-degree burns. | 2026-05-17 | |
| LifeProtect Trauma Cover | Not covered Not listed as a covered trauma condition anywhere in the wording. Pregnancy is referenced only in the Special Events Increase section as a qualifying life event for a sum insured increase, not as a claimable benefit. | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Partial payout Disseminated intravascular coagulation, Eclampsia, Hydatidiform mole; requires Optional Children's and Maternity Benefit | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Not covered Not listed anywhere in the covered conditions table or benefit descriptions. No pregnancy or childbirth-related conditions appear in the wording. | 2025-05-22 | |
| YouChoose Trauma Cover | Not covered Not listed as a Covered Condition, Partial Payment Benefit, or Diagnosis Benefit condition anywhere in the wording. | 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
The benefit covers these conditions if they meet our criteria for cover: Cancer, Early stage cancer, Stroke, Heart attack, Open coronary artery bypass surgery, Coronary artery angioplasty, Paralysis, Third-degree burns.
Wording effective 2025-04-30 · confidence verified
No verbatim definition extracted for this condition on this product yet.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Pregnancy Complications Benefit...if a life assured...suffers for the first time and at least 12 months after the risk commencement date one of the defined pregnancy complication conditions...Disseminated intravascular coagulation. Eclampsia. Hydatidiform mole...The Benefit payable is $10,000.
Wording effective 2025-05-22 · confidence brochure
No verbatim definition extracted for this condition on this product yet.
Source: https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf
Wording effective 2025-10-08 · confidence brochure
No verbatim definition extracted for this condition on this product yet.
GET /api/trauma-condition/pregnancy-complications/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/pregnancy-complications/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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