Severe Rheumatoid Arthritis — NZ Trauma Cover

LifeOne Critical Illness Benefit

Wording effective 2026-05-17 · confidence verified

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

Related exclusions (9)

• Alcohol or drugs taken by the life insured — unless prescribed by a qualified medical practitioner (Critical Illness Benefit)
• Suicide, attempted suicide or intentional self-injury within 13 months of the cover start date or reinstatement date (Life, Advanced Funeral and Terminal Illness Benefits)
• All cancers which are histologically described as premalignant, or carcinoma in situ or cervical intraepithelial neoplasia, unless it results directly in the removal of the entire organ
• All skin cancers unless: there is evidence of metastasis, or the tumour is a malignant melanoma of Clark Level 3 and above, or the tumour is a malignant melanoma with invasion greater than 1.5mm maximum thickness (Breslow method), or the tumour is a malignant melanoma showing signs of ulceration
• Prostate cancers diagnosed as TNM classification T1 with a Gleason score of 5 or less, unless major interventionist therapy is performed
• Chronic lymphocytic leukaemia less than Rai Stage 1
• Transient ischemic attacks (TIA)
• 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)
• Carcinoma in situ of the cervix uteri of Cervical Intraepithelial Neoplasia (CIN) classifications CIN1 and CIN2

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

LifeProtect Trauma Cover

Wording effective 2025-04-30 · confidence verified

We will pay 25% of the sum insured to a maximum of $25,000 if the insured person before their 50th birthday is diagnosed with severe rheumatoid arthritis by an appropriate specialist medical practitioner. The diagnosis must confirm all the following: morning stiffness of the joints, and swelling and pain in the joints of at least three joint groups, involving the corresponding joints on both sides of the body. One of the groups must be joints on the fingers or toes, or the knuckles of the hand or wrist, and small nodular swelling beneath the skin, and a positive rheumatoid factor test, and x-ray evidence showing multiple and extensive changes to joints typical of rheumatoid arthritis, and diffuse osteoporosis with severe hand and spinal deformity.

Related exclusions (10)

• 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).
• No benefit will ever be payable for a trauma condition for a child if the trauma condition directly results from known congenital conditions or any child pre-existing conditions.
• Coronary artery bypass surgery: angioplasty, intra-arterial procedures and other non-surgical techniques are excluded.
• Benign brain tumour or benign spinal tumour: cysts, granulomas, malformations in or of the arteries or veins of the brain and haematomas are excluded.
• Cancer: tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia, CIN1, CIN2 and CIN3) are excluded; tumours histologically classified as pre-malignant or having low-malignant potential are excluded; all hyperkeratosis or basal cell carcinomas of the skin are excluded.
• Major organ transplant: transplant of all other organs, parts of organs (except for liver transplant) or any other tissue transplant is excluded; cover is only applicable to the recipient, not the donor.
• Medically acquired HIV: HIV that is medically acquired if a cure for HIV or AIDS was available at the time the procedure is performed is excluded; HIV transmission by any other means, other than Occupationally Acquired HIV, including sexual activity or deliberate injection of a drug not prescribed by a specialist medical practitioner, is excluded.
• Occupationally acquired HIV: HIV transmission by any other means, other than Medically Acquired HIV, including but not limited to sexual activity or deliberate injection of a drug not prescribed by a specialist medical practitioner, is excluded.
• Peripheral neuropathy related to alcohol or drug use is excluded.
• Relocation Benefit is not payable for a child under the Child's Trauma Benefit, or as a result of any partial benefit payment.

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

AIA Living Critical Conditions Cover

Wording effective 2026-05-18 · confidence verified

Severe rheumatoid arthritis [marked in table as Partial Payment, with three month stand down period]

Related exclusions (6)

• 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.
• 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) engages in or is part of any conduct that is criminal.
• Any condition or any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) that existed before the risk commencement date, unless AIA is satisfied that you or the life assured could not have known of the existence of the condition or symptom or signs leading to the condition, or the condition or symptom or signs leading to the condition were declared on your application and accepted by AIA.
• A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of a pre-existing condition.
• A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of any congenital condition, except where expressly covered under the Children's Congenital Conditions Benefit.
• No payment will be made under the Built-in Return Home Benefit if the life assured is covered for the same event with a travel insurance provider.

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 Trauma Recovery Cover

Wording effective 2025-05-22 · confidence brochure

Severe rheumatoid arthritis (Early Trauma benefit ü**; marked **). Early trauma: partial payment (the greater of $10,000 or 20% of your total cover up to $100,000). Conditions marked ** require 3 months stand-down.

⚠ 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

YouChoose Trauma Cover

Wording effective 2025-10-08 · confidence brochure

Partial Payment Benefit Option: Severe Rheumatoid Arthritis — Pays 25% of the sum insured up to a maximum of $100,000.

⚠ 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: https://assets.ctfassets.net/w9dpej1et86g/FCLVyj79BiyvbQRKl0fDD/bfe3409e154a4074cd3482036f1b11ba/PLJP_OVERVIEW_TRAUMA_V01_1025.pdf