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.
5 active trauma products · 3 on file
Each section below is the verbatim text from that insurer's current policy wording PDF. Where a product doesn't address this topic specifically, we show "Not on file" rather than guess.
Wording effective 2026-05-17 · confidence verified
Coronary artery angioplasty — lesser of 20% of the Critical Illness Cover Amount or $20,000 · Early stage cancer — lesser of 10% of the Critical Illness Cover Amount or $20,000 · Early stage chronic lymphocytic leukaemia — lesser of 20% of the Critical Illness Cover Amount or $20,000
Wording effective 2025-04-30 · confidence verified
Adult onset type 1 insulin dependent diabetes mellitus — 25% of sum insured, maximum $25,000 · Alzheimer's disease diagnosis — 25% of sum insured, maximum $25,000 · Aneurysm — 25% of sum insured, maximum $25,000 · Angioplasty – two vessels or less — 25% of sum insured, maximum $25,000 (if sum insured less than $10,000, pay sum insured) · Carcinoma in situ without major treatment — 10% of sum insured, maximum $25,000 · Chronic lymphocytic leukaemia — 25% of sum insured, maximum $50,000 · Colostomy and/or ileostomy — 25% of sum insured, maximum $25,000 · Dementia diagnosis — 25% of sum insured, maximum $25,000 · Early stage prostate cancer — 25% of sum insured, maximum $50,000 · Hydrocephalus — 25% of sum insured, maximum $25,000 · Loss of one limb — 25% of sum insured, maximum $25,000 · Loss of sight in one eye — 25% of sum insured, maximum $25,000 · Major burns — 25% of sum insured, maximum $25,000 · Malignant melanoma diagnosis — 25% of sum insured, maximum $50,000 · Multiple sclerosis diagnosis — 25% of sum insured, maximum $25,000 · Parkinson's disease diagnosis — 25% of sum insured, maximum $25,000 · Severe osteoporosis — 25% of sum insured, maximum $25,000 · Severe rheumatoid arthritis — 25% of sum insured, maximum $25,000 · Systemic lupus erythematosus — 25% of sum insured, maximum $25,000 · Total deafness in one ear — 25% of sum insured, maximum $25,000
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
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
Wording effective — · confidence no data
Not on file for this product.
Wording effective — · confidence no data
Not on file for this product.
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