Trauma cover.

Trauma cover.

Protection against cancer, heart attacks, strokes, and more.

What is Trauma cover?

When it comes to serious medical issues or illness, you can’t afford to muck around. Nobody wants to have to think about this stuff, but you may not be able to work as usual, and your care costs can mount up quickly. Trauma cover can take away a lot of the financial pain, so you can focus on getting better while still being able to cover medical and recovery costs.

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  • Entry age is from age 16 to 64 (69 if you’re taking it as an accelerated benefit).
  • Your insurance ends at age 70, unless you have an accelerated benefit in which case you’ll be covered for life if you keep paying your premium.
  • You can pay fortnightly, monthly, quarterly, half-yearly or yearly.
  • You can choose to help protect your cover against inflation by having the amount you’re insured for increase each year.
  • Some conditions aren’t covered for the first three months after you’ve taken out your cover. You can find these by taking a look at the info sheet.
  • There are two types of payments; age-rated payments fixed for one year at a time, and normally increase in line with age, OR level term payments which are fixed for the life of the policy.
  • We recommend chatting to an adviser about the right insurance for you
  • You can have Trauma cover as a standalone benefit or added as an accelerated benefit that’s taken from your Life cover policy – ask us how.
Read our Trauma cover customer brochure.

More about Trauma cover.

  • What is it?
  • Why should you get it?
  • What’s the deal?
  • Anything else?

What is it?

Trauma cover pays out a lump sum if you suffer from a condition named in the insurance policy, like a heart attack, cancer, stroke, angioplasty and more. We also offer Trauma multi cover which offers the opportunity to claim for up to five unrelated medical conditions. Find out more about Trauma multi here.

Why should you get it?

It’s a great way to take off some of the financial pressures. Plus, if you have kids, they’re covered for most of the same conditions you are – for free. See the info sheet for more information about the child’s benefit.

What’s the deal?

You pay an amount of money (called a ‘premium’) for a policy. The policy is a contract so you know exactly what we’ll pay out for. As long as you keep paying for your insurance with us, and the policy terms and conditions have been met, we’ll pay out for everything we agreed.

Anything else?

If you’ve been overseas for over 3 months and you suffer from a condition named in the policy, a relocation payment is available to help cover the cost of getting you back to NZ (conditions apply).

Cancer Companion Black

Meet Cancer companion.

Cancer companion is available to Fidelity Life customers who have Trauma cover and a cancer diagnosis.

Learn more.

Life insurance 101 guide.

Visit our easy-to-read and plain-English life insurance 101 guide, to help you learn about what protection you might need.

Discover more.

Questions? Start here.

We’ve compiled a list of the most commonly asked questions about this cover.
For a good overview of the ins and outs, it’s worth reading the info sheet.

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Get in touch.

It’s easy! Drop us a line and an adviser will get hold of you for a no-obligation chat.

Get started.

Why choose Fidelity Life.

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* Fidelity Life has an A- (Excellent) financial strength rating from A.M. Best. The rating scale that this rating forms part of is available for inspection at our offices. For more information please visit Fidelity Life's financial strength page.

Disclaimer – the information contained in this webpage is a summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document.

Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your financial adviser. Please refer to current policy documents for specific details. This webpage does not provide a personalised financial advice service.