Invasive Cancer — NZ Trauma Cover

LifeOne Critical Illness Benefit

Wording effective 2026-05-17 · confidence verified

The uncontrolled growth and spread of malignant cells and the invasion and destruction of tissue for which major interventionist therapy including surgery, radiotherapy, chemotherapy, biological response modifiers or any other major treatment is considered medically necessary, or the tumour is sufficiently advanced and major interventionist therapy is no longer recommended.

Related exclusions (6)

• 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
• Carcinoma in situ of the cervix uteri of Cervical Intraepithelial Neoplasia (CIN) classifications CIN1 and CIN2
• Papillary micro-carcinoma, non-invasive papillary carcinoma and flat, non-invasive carcinoma in situ of the bladder
• Early stage cancer that is the same, similar to, related to, or directly or indirectly caused by an early stage cancer that has previously been covered by the Critical Illness Benefit

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

The confirmed presence of one or more invasive malignant tumours diagnosed by a specialist medical practitioner with supporting histological evidence of uncontrolled growth of malignant cells and invasion of normal tissue beyond the basement membrane.

Related exclusions (3)

• 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).
• 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.

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

Malignant tumours and blood cancers [marked in table as Full payment, with three month stand down period]

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

Cancer (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

Cancer** — 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