Family history of cancer / heart disease
Pre-existing-condition / family-history loading + future-insurability options matter most.
Strong family history of breast / prostate / colon cancer or early-onset cardiac disease. Underwriters will load premium 25-100% or apply exclusions. The right structure includes future-insurability rights (top up cover later without medicals) and partial-payment conditions that pay BEFORE invasive disease.
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 1.82
#1 · Chubb Life NZ
LifeOne Critical Illness Benefit
Show matched clauses (5)
Query: "future insurability option no medical evidence" · similarity 45% · weight 1
Understanding the benefits that your policy includes > Special Events Increase Benefit
You can apply to increase the *Life Cover Amount* for specified events without giving more health information.
Source PDF →Query: "early stage cancer partial payment" · similarity 54% · weight 0.8
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: "family history underwriting loading" · similarity 43% · weight 0.8
Defining words and phrases > Material information
All the relevant information we need to decide the terms of your policy. It includes, but is not limited to, information about the *life insured's* health, medical history, occupation and leisure activities.
Source PDF →Query: "preventive surgery prophylactic mastectomy cover" · similarity 41% · weight 0.8
Understanding the benefits that your policy includes > Optional Critical Illness Benefit > The benefit covers these conditions
The benefit covers these conditions if they meet our criteria for cover: - Cancer - Early stage cancer - Stroke - Heart attack - Open coronary artery bypass surgery - Coronary artery angioplasty - Paralysis - Third-degree burns. The criteria for cover for these conditions is detailed at the end of this section.
Source PDF →Query: "genetic testing BRCA disclosure underwriting" · similarity 37% · weight 0.7
Understanding the benefits that your policy includes > Special Events Increase Benefit
You can apply to increase the *Life Cover Amount* for specified events without giving more health information.
Source PDF → - score 1.80
#2 · Fidelity Life
LifeProtect Trauma Cover
Show matched clauses (5)
Query: "early stage cancer partial payment" · similarity 58% · weight 0.8
YOUR COVER IN DETAIL > 7. General definitions > Partial benefit.
A part payment of the sum insured. The definitions and the amount paid for each trauma condition partial benefit is detailed in section 8.2.
Source PDF →Query: "future insurability option no medical evidence" · similarity 40% · weight 1
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.1 Trauma conditions covered for a full benefit payment. > Chronic lung disease.
End stage lung disease requiring permanent oxygen therapy and with: * FEV1 test results of consistently less than one litre, or * at least 25% permanent impairment of whole person function, or * the permanent inability of the insured person to perform at least one of the activities of daily living without the assistance of an adult.
Source PDF →Query: "preventive surgery prophylactic mastectomy cover" · similarity 43% · weight 0.8
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.2 Trauma conditions covered for a partial benefit payment. > Carcinoma in situ – without major treatment.
We will pay 10% of the sum insured to a maximum of $25,000 the first time the insured person is diagnosed by a specialist medical practitioner with carcinoma in situ of the breast, cervix uteri, vagina, vulva, fallopian tubes, ovary, corpus uteri, anus, perineum, penis or testicle. Tumours must be classified as Tis according to the TNM classification or FIGO stage 0 with supporting histological ev…
Source PDF →Query: "family history underwriting loading" · similarity 39% · weight 0.8
YOUR COVER IN DETAIL > 3. Optional Trauma Reinstatement Benefit > 3.1 Trauma Reinstatement Benefit.
i. If the original trauma condition claimed for was for a cancer condition or a heart condition, a discount will apply to the premium on the bought back cover. We will determine the discount that will apply by the original trauma condition that was claimed for.
Source PDF →Query: "genetic testing BRCA disclosure underwriting" · similarity 41% · weight 0.7
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.2 Trauma conditions covered for a partial benefit payment. > Carcinoma in situ – without major treatment.
We will pay 10% of the sum insured to a maximum of $25,000 the first time the insured person is diagnosed by a specialist medical practitioner with carcinoma in situ of the breast, cervix uteri, vagina, vulva, fallopian tubes, ovary, corpus uteri, anus, perineum, penis or testicle. Tumours must be classified as Tis according to the TNM classification or FIGO stage 0 with supporting histological ev…
Source PDF →
What to watch out for
- no future insurability: No future-insurability option — locks you out of topping up cover if your risk profile worsens.
- prophylactic surgery excluded: Preventive (prophylactic) surgery excluded — high-BRCA-risk buyers won't be covered for elective mastectomy.
Ready to shortlist a policy for family history of cancer / heart disease?
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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.