Trauma / accidental
Burns covering ≥20% of body surface area (third-degree / full-thickness) are typically covered as a full-payout event. Definitions vary in the BSA threshold.
5 active trauma products from 5 insurers · 5 matrix cells on file
Each cell shows the payout status for Severe Burns 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 Full-thickness burns to ≥20% body surface area (Rule of Nines/Lund-Browder), or 50% of each hand and/or face, requiring surgical debridement/grafting | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout Third degree burns ≥20% BSA or ≥50% both hands requiring surgery or ≥25% face requiring surgery | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout Full payment available; partial payment also available | 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
Third-degree burns: Burns destroying the full thickness or third-degree burns to: at least 20% of the body's surface area (measured by the age-appropriate use of the Rule of Nines or the Lund and Browder Body Surface chart), or 50% of each hand and/or 50% of the face, requiring surgical debridement and/or grafting.
Wording effective 2025-04-30 · confidence verified
Tissue injury caused by thermal, electrical or chemical agents that results in third degree burns to at least: 20% of the Body Surface Area as measured by the Rule of 9's or the Lund and Browder Body Surface Chart, or 50% of both hands requiring surgical debridement and/or grafting, or 25% of the face requiring surgical debridement and/or grafting.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Severe burns [marked in table as both Full payment and Partial Payment, no stand down period]
Wording effective 2025-05-22 · confidence brochure
Burns (Early Trauma benefit ü, 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
Major Burns — 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/severe-burns/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/severe-burns/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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