Stroke — NZ Trauma Cover

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

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 Living Critical Conditions Cover

Wording effective 2026-05-18 · confidence verified

Stroke [marked in table as Full payment, with three month stand down period]

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 Trauma Recovery Cover

Wording effective 2025-05-22 · confidence brochure

Stroke (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover.

⚠ 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

Stroke** — Pays 100% of your sum insured. Conditions marked** require a 90 day stand down period. The stand down period starts from the time we receive your application.

⚠ 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