Find your trauma cover in 60 seconds

Pick the situations that match you. We'll rank NZ trauma / critical-illness policies on the actual clauses that matter for those situations — not generic premium tables.

Mechanical clause matching only — not personalised financial advice. Use the shortlist as input to a conversation with a licensed adviser.

Which of these apply to you? (pick 1-3)

Cancer cover focus

Cancer is ~60% of NZ trauma claims — definitions, exclusions, partial payments vary widely.

Heart attack + stroke definition rigour

Troponin thresholds, ECG criteria, 24h residual deficit — definitions decide claim outcomes.

Buy-back + reinstatement after a claim

Will your life cover survive a trauma claim? Can you re-add trauma later?

Young buyer, budget-conscious

Standalone trauma vs adding it to life vs going without — the trade-off.

Family history of cancer / heart disease

Pre-existing-condition / family-history loading + future-insurability options matter most.

Buyer over 50 with existing health conditions

Loadings, exclusions, max entry age — trauma gets sharply harder in your 50s.

Data source: insurer-direct policy wording PDFs. Each ranked result links back to the verbatim source clause + the insurer's PDF. License: CC BY 4.0 — attribute https://traumacover.co.nz.