So What’s Covered?

Our trauma cover includes full cover for the big three:

As well as:

  • Alzheimer’s disease
  • Aortic surgery
  • Aplastic anaemia
  • Benign brain tumour or spinal cord tumour
  • Blindness
  • Cardiomyopathy
  • Chronic kidney (renal) failure
  • Chronic liver failure
  • Chronic lung failure
  • 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
  • Loss of independent existence
  • Loss of limb and sight
  • Loss of limbs
  • Loss of 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

Optional

  • Total and permanent disablement

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

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