Cardiovascular
Modern MI definitions vary in the required troponin elevation level + ECG changes + symptom criteria. A "type 2" MI (demand ischaemia) may not satisfy the trauma definition. This page lists each insurer's heart-attack wording.
5 active trauma products from 5 insurers · 5 matrix cells on file
Each cell shows the payout status for Heart Attack (Myocardial Infarction) 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 Troponin (T/I) or CK-MB rise (≥1 value >99th percentile) + ischemia symptoms or new ECG changes or imaging evidence of new myocardial loss | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout Troponin rise/fall + new cardiac symptoms/ECG changes/imaging evidence; excludes angina and elective PCI | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Full payout | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Full payout Brochure 90-day stand-down | 2025-05-22 | |
| YouChoose Trauma Cover | Full payout Brochure 90-day stand-down — marker ** | 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
The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by: typical rise and/or fall of cardiac biomarkers (Troponin T or Troponin I or CK-MB) with at least one value above the 99th percentile of the upper reference limit, and one of the following: signs and symptoms of ischemia... new serial ECG manifestations... imaging evidence of new loss of viable myocardium
Wording effective 2025-04-30 · confidence verified
The death of a portion of heart muscle as a result of inadequate blood supply. The basis of diagnosis must be confirmed by an appropriate specialist medical practitioner and evidenced by a typical rise and/or fall of cardiac biomarkers (Troponin I, Troponin T or CK-MB) and must also be supported by one of the following changes consistent with a heart attack: new cardiac symptoms and signs, or electrocardiogram (ECG) tests showing new significant changes, or imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
Heart attack [marked in table as Full payment, with three month stand down period]
Wording effective 2025-05-22 · confidence brochure
Heart attack (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
Wording effective 2025-10-08 · confidence brochure
Heart Attack** — 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.
GET /api/trauma-condition/heart-attack/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/heart-attack/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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