Cancer cover focus
Cancer is ~60% of NZ trauma claims — definitions, exclusions, partial payments vary widely.
Cancer drives most NZ trauma claims. Buy-side question is: does the policy cover early-stage (carcinoma in situ, DCIS, prostate Gleason ≤6, T1a/b melanoma) at partial-payment percentages, or only invasive stages? What's the partial-payment list and percentage for breast/prostate/skin? Are skin-cancer carve-outs reasonable for an Auckland buyer?
Top policies for this scenario
Ranked by aggregate semantic match across 5 scenario-specific queries. Score reflects clause-level fit, not premium. We don't know what you'd pay — get a quote for the shortlist.
- score 2.45
#1 · Fidelity Life
LifeProtect Trauma Cover
Show matched clauses (5)
Query: "cancer definition invasive carcinoma in situ" · similarity 64% · weight 1
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.1 Trauma conditions covered for a full benefit payment. > Carcinoma in situ – major treatment.
The actual undergoing of treatment for pre-invasive carcinoma in situ. The tumour must be positively diagnosed by a specialist medical practitioner as Tis according to the TNM classification or FIGO stage 0, with supporting histological evidence and resulting in one of the following being performed: * radical surgery, or * medically necessary treatment by radiotherapy or systemic chemotherapy.
Source PDF →Query: "early stage cancer partial payment percentage" · similarity 57% · weight 1
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.2 Trauma conditions covered for a partial benefit payment. > Early stage prostate cancer.
We will pay 25% of the sum insured up to a maximum of $50,000 the first time the insured person is positively diagnosed by a specialist medical practitioner with supporting histological evidence of early stage prostate cancer of TNM classification T1 (all categories) or Gleason score less than or equal to 5.
Source PDF →Query: "carcinoma in situ breast prostate skin" · similarity 60% · weight 0.9
YOUR COVER IN DETAIL > 7. General definitions > Cancer condition.
Cancer, carcinoma in situ – major treatment, carcinoma in situ – without major treatment, chronic lymphocytic leukaemia, early stage prostate cancer or malignant melanoma diagnosis.
Source PDF →Query: "melanoma stage thickness exclusion" · similarity 56% · weight 0.8
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.2 Trauma conditions covered for a partial benefit payment. > Malignant melanoma diagnosis.
We will pay 25% of the sum insured up to a maximum of $50,000 the first time the insured person is positively diagnosed by a specialist medical practitioner with supporting histological evidence of malignant melanoma that is Clark Level 1 or 2 depth of invasion, and less than 1mm in thickness as measured using the Breslow method.
Source PDF →Query: "non-melanoma skin cancer excluded" · similarity 50% · weight 0.5
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.2 Trauma conditions covered for a partial benefit payment. > Malignant melanoma diagnosis.
We will pay 25% of the sum insured up to a maximum of $50,000 the first time the insured person is positively diagnosed by a specialist medical practitioner with supporting histological evidence of malignant melanoma that is Clark Level 1 or 2 depth of invasion, and less than 1mm in thickness as measured using the Breslow method.
Source PDF → - score 2.39
#2 · Chubb Life NZ
LifeOne Critical Illness Benefit
Show matched clauses (5)
Query: "cancer definition invasive carcinoma in situ" · similarity 75% · weight 1
Defining medical conditions > Carcinoma in situ
A carcinoma in situ characterised by a focal autonomous new growth of carcinomatous cells, which has not yet resulted in the invasion of normal tissues. Invasion means an infiltration and/or active destruction of normal tissues beyond the basement membrane. The tumour must be confirmed by a tissue biopsy and classified as Tis according to the TNM staging method or FIGO stage O. Carcinoma in situ o…
Source PDF →Query: "early stage cancer partial payment percentage" · similarity 54% · weight 1
Understanding the benefits that your policy includes > Optional Critical Illness Benefit > How much we'll pay
We'll pay the *Critical Illness Cover Amount*, unless the claim is for: - **Coronary artery angioplasty** – we'll only pay the benefit once and it will be limited to the lesser of: - 20% of the *Critical Illness Cover Amount*, or - $20,000 - **Early stage cancer** – the payment will be limited to the lesser of: - 10% of the *Critical Illness Cover Amount*, or - $20,000. We will not cove…
Source PDF →Query: "carcinoma in situ breast prostate skin" · similarity 55% · weight 0.9
Defining medical conditions > Early stage cancer
Early stage cancer means: - Carcinoma in situ - Early stage chronic lymphocytic leukaemia - Early stage prostate cancer. Papillary micro-carcinoma, non-invasive papillary carcinoma and flat, non-invasive carcinoma in situ of the bladder are not covered under this policy.
Source PDF →Query: "melanoma stage thickness exclusion" · similarity 45% · weight 0.8
Defining medical conditions > Cancer
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. The following cancers …
Source PDF →Query: "non-melanoma skin cancer excluded" · similarity 50% · weight 0.5
Defining medical conditions > Cancer
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. The following cancers …
Source PDF →
What to watch out for
- carcinoma in situ excluded: Carcinoma in situ excluded entirely — DCIS, prostate-localized, and most early-stage cancers won't pay anything.
- partial payment 10%: Early-stage cancers pay only 10-25% — meaningful but far below the headline sum-insured.
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How this ranking works
This scenario translates to 5 semantic queries (weighted). Each query runs against every NZ trauma cover policy clause we've ingested (2,000+ clauses across NZ trauma insurers). The best clause-per-product per query contributes its similarity × weight to the product's aggregate score.
Try the underlying semantic clause search to run your own queries.
This is mechanical retrieval + ranking — not personalised financial advice. The actual policy you should buy depends on factors only an FSPR-registered adviser can assess (your medical history, budget, family composition, risk tolerance). Use this to shortlist, then talk to an adviser.