Trauma Cover

Support when you need it the most

Trauma might come in all sorts of ways – but they all have the same massive impact on a person’s life. Things covered by this policy, like significant illness, injury or medical procedures – whether that’s cancer, a heart attack, a stroke or an angioplasty – probably mean you wouldn’t be able to work the way you could before. And how might you afford the extra costs for your care? This is where Trauma Cover can really help.

Here’s the deal
Why you’ll love our cover

Our Trauma Cover pays you a lump sum if you suffer a covered serious illness (like a heart attack, cancer, or stroke) or a life-changing physical injury. It’s cover that can make a huge difference to helping with the financial costs involved with things like treatments and ongoing care.

Choose how it’s paid out

When you take out this cover you can choose to either deduct a lump sum from your Life Assurance (otherwise known as Life Insurance) or receive a standalone payment.

Free trauma cover for your kids

You can get cover for children aged between 2 and 20 up to $50,000 should your child experience any of the listed illnesses or injuries – provided they weren’t actually born with that condition – at no extra cost.

$10,000 to help you get home

If you’ve been overseas for over 3 months and are diagnosed with a covered serious injury or illness, this payment could help you get back to NZ.

Protect yourself in more than one way

We also offer Trauma Multi Cover – which covers you for multiple pay outs.

Why you need it

You’re more likely to recover than ever due to medical advances

Which is great news – but also means you need to think about those ongoing financial responsibilities.

You may not be able to work like you used to and require care

If your partner needs to take time off to care for you, this cover helps you afford it.

Medical bills can really add up

Get help with costs not covered by the health system.

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 factsheet.

  • Are there any age limits?

  • How long am I covered for?

  • What’s the maximum amount I can be covered for?

  • Am I covered immediately for the covered conditions?

  • How regularly do I need to make payments?

  • Does my premium stay the same each year or go up?

  • Tell me more about the Child’s Benefit?

  • Can I increase my cover if my circumstances change?

  • Can I put my cover back into action if I’ve already claimed?

Disclaimer – the information contained in this webpage is a convenient 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 wordings for specific details. This webpage does not provide a personalised financial advice service.