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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.