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Trauma Insurance

Trauma Insurance / Cancer Cover – Why it is Important

Here’s an overview of the main benefits of trauma insurance that we provide.

Trauma Insurance (cancer cover), can pay you a lump sum on diagnosis. Think about this for just a few seconds – if you were one of the unlucky few diagnosed with cancer this week, 60 today in fact, including 8 women being told they have breast cancer and 8 men prostate cancer, would you be grateful that we could assist you to lodge a claim and get you a bank deposit of say $350k, $800k or the maximum trauma cover available of 2 million dollars?

Also see: Kids Cover | Trauma Case Study Examples

It doesn’t cover just Cancer

Our trauma insurance cover includes full cover for the big three:

  • Cancer (incl, breast and prostate cancer)
  • Heart Attack
  • Stroke*

As well as:

  • Alzheimer’s disease
  • Aortic surgery
  • Aplastic anaemia
  • Benign brain tumour or spinal cord tumour
  • Blindness
  • Cardiomyopathy
  • Chronic failure to:
    • Kidney (renal)
    • Liver
    • Lung
  • Cognitive impairment
  • Coma
  • Coronary artery surgery
  • Creutzfeldt-Jakob disease
  • Dementia
  • Encephalitis
  • Heart valve replacement
  • HIV – medically acquired
  • HIV – occupationally acquired
  • Intensive care treatment
  • Loss of:
    • Hearing
    • Independent existence
    • Limb and sight
    • Limbs
    • Speech
  • Major burns
  • Major head trauma
  • Meningitis and/or meningococcal disease
  • Motor neurone disease
  • Multiple sclerosis
  • Muscular dystrophy
  • Open heart surgery
  • Organ transplant
  • Out of hospital cardiac arrest
  • Paraplegia, quadriplegia, diplegia, tetraplegia and hemiplegia
  • Parkinson’s disease
  • Peripheral neuropathy
  • Pneumonectomy
  • Primary pulmonary hypertension
  • Severe diabetes
  • Severe inflammatory bowel disease
  • Systemic sclerosis
  • Terminal illness (standalone benefit only)
  • Triple vessel angioplasty

Partial Payment Conditions

  • Adult insulin dependent diabetes mellitus
  • Angioplasty
  • Burns of limited extent
  • Carcinoma in situ
  • Chronic lymphocytic leukaemia
  • Colostomy and/or ileostomy
  • Early stage malignant melanoma
  • Heart valve replacement
  • Loss of limb
  • Low grade prostate cancer
  • Severe osteoporosis
  • Severe rheumatoid arthritis
  • Systemic lupus erythematosus (SLE) with lupus nephritis


  • Total and permanent disablement

*There are an estimated 60,000 stroke survivors in New Zealand; many are disabled and need significant daily support (

With even just $100,000 cover you or your partner could take time off work, it would also enable you to keep paying household costs, and cover additional expenses that will arise.  We can also cover children for trauma events like cancer – yes, every week in New Zealand, three families are told their child has cancer.

Call us on 021 956 156 or text ‘call me’ for a call back.

Trauma Insurance / Cancer Cover

How does Trauma Insurance work?

You will receive a lump sum amount and it’s your choice how you use the money. Some examples of how this money can help are:

  • subsidise a lost income
  • cover day-to-day expenses (e.g. power, phone, food, petrol)
  • help cover debts e.g. mortgage, credit cards
  • assist with medical costs associated with recovery
  • seeking alternative treatments
  • paying for home alterations, rehabilitation and home help.

Accelerated or standalone

Trauma Insurance Cover can be ‘accelerated’ against Life Cover. This means that in the event of a claim for Trauma Cover, the amount paid will be deducted from the balance of the Life Cover sum insured. Alternatively, Trauma Cover can be ‘standalone’, which means that any Trauma Cover claim paid is independent of any Life Cover.

Call us on 021 956 156 or text ‘call me’ for a call back.