1 active retail trauma product from AIA New Zealand Limited · aia.co.nz
Last refreshed 2026-05-30 · current wordings effective 2026-05-18
One-line summary of how AIA New Zealand's flagship trauma product (AIA Living Critical Conditions Cover) handles the questions buyers + advisers most commonly ask. Full verbatim text below.
Six of the 40 conditions covered. See the full AIA New Zealand matrix →
| Condition | AIA Living Critical Conditions Cover |
|---|---|
| Invasive Cancer | Full |
| Carcinoma in Situ | Partial |
| Early-Stage Prostate Cancer | Full |
| Heart Attack (Myocardial Infarction) | Full |
| Stroke | Full |
| Multiple Sclerosis | Full |
Every section below is the verbatim text from each AIA New Zealand trauma product's current policy wording PDF. Where a product doesn't address a topic, we show "Not on file" rather than guess.
How each NZ trauma insurer defines 'Cancer' — what stages trigger a full payout, what triggers a partial-payment, what's excluded entirely. Cancer drives ~60% of NZ trauma claims so the definition shapes most claim outcomes.
Not on file for this product.
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 · effective 2026-05-18
Heart attack definitions vary in troponin threshold, ECG criteria, and symptom requirements. The definition decides whether a modern troponin-detected MI counts under your policy.
Not on file for this product.
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 · effective 2026-05-18
Most NZ trauma policies require 24-hour residual neurological deficit confirmed by imaging — TIAs and rapidly-resolving strokes typically don't qualify. This page lists each insurer's stroke definition verbatim.
Not on file for this product.
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 · effective 2026-05-18
Most NZ trauma policies pay 10-25% of sum-insured for a defined list of early-stage / less-severe conditions (carcinoma in situ, angioplasty, early prostate cancer). The list and percentages vary widely.
Carcinoma-in-situ — 25% of sum assured to a maximum of $75,000, Angioplasty – less than 3 vessels — 25% of sum assured to a maximum of $75,000, Cardiac Defibrillator Insertion — 25% of sum assured to a maximum of $75,000, Pacemaker insertion — partial payment, Heart valve surgery — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Benign brain or spinal cord tumour — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Cerebral Aneurysm — partial payment, Dementia — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Encephalitis — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Permanent blindness — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Permanent loss of hearing — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Permanent loss of use of limbs — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Chronic liver failure — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Intensive care — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Severe burns — partial payment available (not available under Built-in Children's Trauma Benefit or Optional Children's and Maternity Benefit), Severe Crohn's disease — partial payment, Severe osteoporosis — partial payment, Severe rheumatoid arthritis — partial payment, Severe ulcerative colitis — partial payment
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 · effective 2026-05-18
Accelerated trauma cover reduces your underlying life sum-insured dollar-for-dollar on claim; standalone leaves it intact. Buy-back rules let you reinstate life cover after a claim — terms vary.
Not on file for this product.
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 · effective 2026-05-18
Buy-back reinstates underlying life cover after a trauma claim without fresh underwriting. Trauma reinstatement re-adds cover for new conditions after a partial-payment claim. Both terms vary massively.
Not on file for this product.
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 · effective 2026-05-18
Future-insurability rights let you increase trauma cover at defined life events (marriage, child, mortgage) without fresh medical evidence. Critical for buyers with family-history loadings.
Not on file for this product.
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 · effective 2026-05-18
Most NZ trauma policies offer a children's-trauma-rider add-on with a defined per-child sum-insured cap (often $50,000-$200,000). Covered conditions for children differ from adult cover.
Not on file for this product.
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 · effective 2026-05-18
NZ trauma insurers underwrite at application — pre-existing conditions usually result in loadings (25-200%), permanent exclusions, or declination. Disclosure rules and re-underwriting policies vary.
Not on file for this product.
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 · effective 2026-05-18
Self-inflicted injury, war / civil unrest, criminal acts, drug use, and certain pre-existing conditions are commonly excluded. Specific exclusion lists vary by insurer.
The life assured (or the child in the case of a Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit) deliberately injures himself or herself or attempts to do so., The life assured (or the child in the case of a Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit) engages in or is part of any conduct that is criminal., Any condition or any symptom or signs leading to the condition (whether or not a registered medical practitioner has been consulted) that existed before the risk commencement date, unless AIA is satisfied that you or the life assured could not have known of the existence of the condition or symptom or signs leading to the condition, or the condition or symptom or signs leading to the condition were declared on your application and accepted by AIA., Any intentional act by you or by any parent or guardian of the life assured, or child (where the life assured or child is under age 21 at the time)., Any intentional act by someone who lives with or supervises the life assured, or child (where the life assured or child is under age 21 at the time)., A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of a pre-existing condition., A benefit under the Built-in Children's Trauma Benefit or the Optional Children's and Maternity Benefit that arises as a direct or indirect consequence of any congenital condition, except where expressly covered under the Children's Congenital Conditions Benefit., No payment will be made under the Built-in Return Home Benefit if the life assured is covered for the same event with a travel insurance provider., 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 · effective 2026-05-18
Every section above is also available as a structured API for AI agents, brokers and developers — free, no auth.
GET /api/insurer/aia/facts.jsonGET /api/insurer/aia/summary.md{product} with any slug above
GET /api/product/aia/{product}/facts.jsonGET /api/product/aia/{product}/wording.mdGET /api/trauma-condition/{slug}/matrix.json — the full 5-insurer matrix per conditionThe authoritative source for any specific trauma definition / partial-payment percentage / exclusion is the insurer's published PDF. Our facts are a structured derivative for comparison.
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