Greater accessibility to receive extra financial support for New Zealanders.
*Refer to the table below listing the specific injuries covered. In the event where one specific injury progresses to another specific injury within 12 months resulting from the same accident, which is directly related to that accident, and qualifies for a higher amount, the difference will be paid.
There are a selection of the covers and options available, and these may require payment of an additional premium - for full details please read the customer brochure.
To help protect your Specific injury cover against rising costs, your sum insured can increase each year up until it reaches the maximum allowed. Different products increase the sum insured in different ways, but all by at least 2% per year. You can choose not to have your cover increased too, if that suits you best. Please note; increases end when the total Specific injury cover for an insured person on a policy reaches the maximum allowed of $5,000.
Where you select to pay level premiums (premiums remain the same throughout the selected term of your policy), you can choose to continue your cover when the end of your selected period is reached without the requirement to have this cover reviewed by underwriting.
The table below lists the specific injuries covered and how much will be paid for each injury.
| Injury group | Specific injury means | Amount payable |
|---|---|---|
| Group 1 | Fracture of jaw, skull. | 2 times the sum insured |
| Fracture of forearm, collarbone. | ||
| Fracture of wrist, hand (excluding fingers). | ||
| Fracture of kneecap. | ||
| Fracture of ankle, heel. | ||
| Fracture of foot (excluding the toes). | ||
| Fractured vertebrae. | ||
| Fracture of upper arm bone, shoulder blade, elbow. | ||
| Full thickness or third degree burns to at least 9% of the body surface area. | ||
| Group 2 | Fracture of leg below the knee (tibia or fibula). | 3 times the sum insured |
| Fracture of the hip. | ||
| Fracture of leg above the knee (femur). | ||
| Fracture of the pelvis. | ||
| Fracture of multiple limbs. | ||
| Any injury requiring surgery under general anaesthesia. | ||
| Group 3 | Full thickness or third degree burns to at least 20% of the body surface area. | 6 times the sum insured |
| Full thickness or third degree burns to at least 25% of the face. | ||
| Full thickness or third degree burns to at least 50% of both hands. | ||
| Loss of the thumb and index finger of the same hand. | ||
| Loss of sight in one eye. | ||
| Group 4 | Loss of use of one limb. | 12 times the sum insured |
| Loss of sight in both eyes. | ||
| Profound deafness in both ears. | ||
| Paralysis (diplegia, hemiplegia, paraplegia, monoplegia, quadriplegia, and tetraplegia). |
It’s important to know these specific injuries have definitions which must be met to be eligible for a claim to be paid. These definitions can be found in our Specific injury cover document. Get in touch with your Business Manager for more information.
We’ve compiled a list of the most commonly asked questions about this cover.
For the full run down about Specific injury cover, you can also read our customer brochure.
See FAQsTo be eligible for Specific injury cover, you must have and retain at least one qualifying cover for an insured person on your policy to maintain the Specific injury cover. Check out the factsheet for details.
The end age for Specific injury cover is 70 years old – or the end age of the last qualifying cover, whichever comes first. For example, if the oldest end age of a qualifying cover on a policy is 65, then the Specific injury cover ends at 65.
At this stage the Specific injury cover is available to include in new policies only and can only be taken out with at least 1 of the qualifying covers with a minimum sum insured. The qualifying covers include Life cover, Trauma cover, Trauma multi cover, Total & permanent disability cover or Income protection-type covers.
Most occupations will be able to apply for Specific injury cover. To find out if your occupation qualifies for this cover, contact your Underwriter to discuss your customer's occupation.
The lump sum payment under Specific injury cover is not reduced because you might also get income for the same injury from other sources like ACC.
If a person covered on the policy does not have at least one qualifying cover, then Specific injury cover will be cancelled. If the insured person has other covers that meet the qualifying cover requirements, then Specific injury cover can remain in force until every qualifying cover is cancelled.
Possibly. If a claim on a qualifying cover causes the cancellation or reduction of the cover and no other qualifying covers are held on the policy for a person covered, then Specific injury cover will be cancelled.
We've designed a guide to help you when creating an illustration with Specific injury cover.
Download the guide.Contact your Business Manager or call us on 0800 88 22 88 - we’re here to help.