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Why do I need trauma cover?

On-going improvements and advancements in modern medicine mean you have a greater chance of surviving a serious illness or condition. The financial impact this can have on your business can be significant.


Having trauma cover in place can help minimise the financial impact. Trauma cover provides the following built in benefits:

  • Full trauma benefit
    Payment of the full Trauma Cover sum insured if you meet all the criteria for a covered condition.

  • Diagnosis benefit
    An early partial payment of 25% of the Trauma Cover (up to $75,000) upon diagnosis of specific conditions.

  • Partial benefit
    A partial payment of 25% of the Trauma Cover (up to $75,000) if you meet the relevant criteria for specific conditions.

  • Return to home benefit
    Cover for transport costs of up to $10,000 to get back to New Zealand if you suffer one of the covered conditions 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 up to $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 April 2021 and is subject to change.

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