Heart attack + stroke definition rigour
Troponin thresholds, ECG criteria, 24h residual deficit — definitions decide claim outcomes.
MI definition wars: which troponin assay + what level + which ECG changes count? Stroke definition: most policies require 24h residual neurological deficit confirmed by imaging — TIAs and rapidly-resolving events are typically excluded. The newer 'angioplasty' partial-payment conditions are now table stakes.
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 1.46
#1 · Chubb Life NZ
LifeOne Critical Illness Benefit
Show matched clauses (5)
Query: "heart attack troponin threshold definition" · similarity 55% · weight 1
Defining medical conditions > Heart attack
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…
Source PDF →Query: "stroke 24 hour residual deficit imaging" · similarity 50% · weight 1
Defining medical conditions > Stroke
The diagnosis of a cerebrovascular event producing permanent neurological deficit lasting more than 24 hours. A consultant neurologist must produce clear evidence of all the following: - infarction of brain tissue or intracranial or subarachnoid haemorrhage - a CT, MRI, or similar scan that shows a stroke has occurred - the onset of objective neurological deficit. The following are excluded: - …
Source PDF →Query: "angioplasty coronary artery partial payment" · similarity 51% · weight 0.8
Defining medical conditions > Coronary artery angioplasty
The undergoing of angioplasty (with or without insertion of a stent) to the coronary arteries to treat coronary artery disease.
Source PDF →Query: "cardiomyopathy heart failure included excluded" · similarity 43% · weight 0.6
Defining medical conditions > Heart attack
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…
Source PDF →Query: "TIA transient ischemic attack excluded" · similarity 51% · weight 0.5 (negative — counts against)
Defining medical conditions > Stroke
The diagnosis of a cerebrovascular event producing permanent neurological deficit lasting more than 24 hours. A consultant neurologist must produce clear evidence of all the following: - infarction of brain tissue or intracranial or subarachnoid haemorrhage - a CT, MRI, or similar scan that shows a stroke has occurred - the onset of objective neurological deficit. The following are excluded: - …
Source PDF → - score 1.38
#2 · Fidelity Life
LifeProtect Trauma Cover
Show matched clauses (5)
Query: "heart attack troponin threshold definition" · similarity 55% · weight 1
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.1 Trauma conditions covered for a full benefit payment. > Heart attack.
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 *…
Source PDF →Query: "angioplasty coronary artery partial payment" · similarity 63% · weight 0.8
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.2 Trauma conditions covered for a partial benefit payment. > Angioplasty – two vessels or less.
We will pay 25% of the sum insured up to a maximum of $25,000 each time the insured person undergoes a coronary artery angioplasty to correct narrowing or blockage of one or two coronary arteries. If the sum insured is less than $10,000 we will pay the sum insured. Angiographic evidence indicating obstruction of the treated coronary arteries and confirmation from a specialist medical practitioner…
Source PDF →Query: "stroke 24 hour residual deficit imaging" · similarity 37% · weight 1
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.1 Trauma conditions covered for a full benefit payment. > Stroke.
A cerebrovascular incident including infarction of brain tissue, intracranial or subarachnoid haemorrhage, or embolisation from an intracranial source as evidenced by CT, MRI or similar scan. Transient ischaemic attacks and cerebral symptoms due to migraine are excluded.
Source PDF →Query: "TIA transient ischemic attack excluded" · similarity 63% · weight 0.5 (negative — counts against)
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.1 Trauma conditions covered for a full benefit payment. > Stroke.
A cerebrovascular incident including infarction of brain tissue, intracranial or subarachnoid haemorrhage, or embolisation from an intracranial source as evidenced by CT, MRI or similar scan. Transient ischaemic attacks and cerebral symptoms due to migraine are excluded.
Source PDF →Query: "cardiomyopathy heart failure included excluded" · similarity 47% · weight 0.6
YOUR COVER IN DETAIL > 8. Trauma definitions > 8.1 Trauma conditions covered for a full benefit payment. > Heart attack.
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 *…
Source PDF →
What to watch out for
- MI troponin specific level: MI definition requires specific troponin level + 2 of 3 ECG/imaging/symptom criteria — common modern MIs may not meet the threshold.
- stroke imaging required: Stroke requires imaging confirmation + 24h+ deficit — rapidly-improving strokes won't claim under this policy.
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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.