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Cardiovascular

Stroke — NZ Trauma Cover

Most NZ trauma policies require ≥24 hours of residual neurological deficit confirmed by imaging. TIAs and rapidly-resolving strokes are typically excluded. Definitions vary in deficit-duration thresholds.

5 active trauma products from 5 insurers · 3 matrix cells on file

How every NZ trauma policy handles this

Each cell shows the payout status for Stroke 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 Full payout Permanent neurological deficit >24 hours + CT/MRI confirmation + objective deficit; TIA excluded 2026-05-17
Fidelity Life
LifeProtect Trauma Cover Full payout Cerebrovascular incident (infarction, intracranial/subarachnoid haemorrhage, embolisation) evidenced by CT/MRI. TIAs excluded 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

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LifeOne Critical Illness Benefit

Wording effective 2026-05-17 · confidence verified

The diagnosis of a cerebrovascular event producing permanent neurological deficit lasting more than 24 hours. A consultant neurologist must produce clear evidence of all the following: infarction of brain tissue or intracranial or subarachnoid haemorrhage, a CT, MRI, or similar scan that shows a stroke has occurred, the onset of objective neurological deficit. The following are excluded: transient ischemic attacks (TIA).
Related exclusions (2)
  • 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)

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

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LifeProtect Trauma Cover

Wording effective 2025-04-30 · confidence verified

A cerebrovascular incident including infarction of brain tissue, intracranial or subarachnoid haemorrhage, or embolisation from an intracranial source as evidenced by CT, MRI or similar scan. Transient ischaemic attacks and cerebral symptoms due to migraine are excluded.
Related exclusions (5)
  • 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).
  • 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.
  • Relocation Benefit is not payable for a child under the Child's Trauma Benefit, or as a result of any partial benefit payment.
  • 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.
  • Trauma Reinstatement Benefit is not available where we have paid a claim for any partial benefit.

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

AIA New Zealand logo

AIA New Zealand

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AIA Living Critical Conditions Cover

Wording effective 2026-05-18 · confidence verified

Stroke | ✓ (three month stand down) | ✓ (full payment) | - | ✓ | ✓
Related exclusions (1)
  • Cardiac Defibrillator Insertion partial benefit is not payable if the life assured satisfies the criteria for a claim payment under another heart condition across all Personal AIA policies.

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

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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

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YouChoose Trauma Cover

Wording effective — · confidence no data

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

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