What is complete disablement cover?
We’ll pay you a lump sum if you or a key person within your business becomes completely disabled through illness or injury
Why do I need complete disablement cover?
Having complete disablement cover means if you or a key person within your business becomes completely disabled through illness or injury, your business can either continue to operate into the future or provide you with money to buy or sell out.
This cover provides the following built in benefits:
-
Complete disablement benefit
Payment of full sum insured if you become completely disabled -
Partial Disablement Benefit
A partial payment for loss of sight in one eye or the loss of use of one limb. -
Return to home benefit
Cover for transport costs, up to $10,000, to get back to New Zealand if you become completely disabled while overseas. -
Support Person Accommodation Grant and Transfer Benefit
Reimbursement of costs incurred when a support person is required to accompany you outside your residential region for treatment that is necessary but not available locally. -
Financial and Legal Advice Benefit
An additional payment of $2,500 for reimbursement of financial planning or legal advice fees.
This brochure is for information purposes and is a summary only. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. This brochure is based on information current as at October 2021 and is subject to change.
Other business covers


Trauma cover
We’ll pay you a lump sum if you or a key person suffers from a defined serious illness


Business overheads cover
Monthly payments of eligible business overheads if you're unable to work due to disability as a result of illness or injury


Life cover
We’ll pay you a lump sum if you or a key person dies or is diagnosed with a terminal illness


Key person start up cover
We’ll pay you a lump sum if you or a key person dies or is diagnosed with a terminal illness


Premium cover
Your insurance premiums will be covered if you or a key person in your business is unable to work through disability
