Trauma cover.

Trauma cover.

Financial help if serious illness or injury strikes

Adviser Use Only

Why your customers will love it

Why your customers will love it

Choose how it’s paid out

Customers can choose to either deduct any lump sum claim from their life cover (otherwise known as an accelerated benefit) or receive a lump sum claim on its own (a standalone benefit).

Free trauma cover for kids

Customers receive cover of up to $50,000 for their children aged between 3 months and 20 years, should the children experience any of the listed illnesses or injuries – provided they weren’t pre-existing – at no extra cost.

$10,000 to help get back home

Customers who’ve been living overseas for more than three months and are diagnosed with a specified serious injury or illness are covered for an airfare back to New Zealand of up to $10,000.

Cover for multiple traumas

We also offer Trauma Multi Cover – which covers up to five specified unrelated conditions.

Why they need it

Customers are more likely to recover than ever due to medical advances

Which is great news – but they’ll also need to think about their ongoing financial responsibilities.

They may not be able to work like they used to and require care

If your customer’s partner needs to take time off to care for them, this cover helps them afford it.

Medical bills can really add up

A trauma benefit can help with costs not covered by the health system.

Our Trauma cover includes:

  • Trauma cover – Accelerated
  • Trauma cover – Standalone
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Trauma cover - Accelerated

If added to Life cover or Survivor’s income cover and a trauma claim is paid, the amount of the claim will be deducted from the Life cover or the Survivor’s income cover.

For an additional premium, customers may be able to buy back the amount of the reduced Life cover 12 months after the claim payment, without any medical evidence and subject to conditions (applies to Life cover only).

Available in Platinum Plus, Platinum Plus Level Term and Mortgage Protector
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Trauma cover - Standalone

If taken in conjunction with Life cover and a trauma claim is paid, the amount of the claim won’t reduce the Life cover.

Available in Platinum Plus, Platinum Plus Level Term and Mortgage Protector

For a summary of our Trauma cover

Download the customer brochure.

For all the details, download the policy wording

Platinum Plus, Platinum Plus Level, Mortgage Protector

Available with Trauma cover:

These are a selection of the covers and options available and require payment of an additional premium – for full details please read the customer brochure.

  • Waiver of premium cover

    If your customer is totally disabled, or they are receiving a partial disability benefit under an income protection type cover on the same policy, the premiums due on the entire policy after the waiting period ends will be waived. While your customer needs to pay premiums during the waiting period, any premiums paid during that period will be refunded.

    For the details, download the policy wording

    Platinum Plus, Platinum Plus Level, Mortgage Protector

  • Total and permanent disability option

    Provides your customers with financial protection against Total and permanent disability with a lump sum payment.

  • Trauma reinstatement option

    This option may allow customers to reinstate their Trauma cover (standalone or accelerated) 12 months after a trauma claim. The reinstated Trauma cover is restricted to new conditions (i.e. they cannot claim twice for the same condition) and any pre-existing conditions are excluded, subject to additional requirements.

For business customers

  • Business future insurability option

    With business growth comes increased risk. This option allows a business owner to increase their Trauma cover when certain financial changes happen in their business without requiring further medical evidence.

Frequently Asked Questions

We’ve compiled a list of the most commonly asked questions about this cover. For the full run down though, it’s really important you read our customer brochure.

See FAQs

  • Are there any age limits?

    Yes – customers need to be between 16 and 64 (standalone cover) or 16 and 69 (accelerated cover)

    Standalone cover lasts until age 70 – while an accelerated cover lasts for life.

  • What’s the maximum amount of cover?

    $2 million

  • Are all conditions covered immediately?

    Some conditions aren’t covered for the first three months. Check out the factsheet for details.

  • If my customer has any life changes can they increase cover without further medical evidence?

    Yes. Experiencing certain life events allows customers to increase their cover without additional medical evidence. For example: getting married, civil union, having children or taking out a mortgage, stopping work to take full time care of a dependent relative or when they reach ages 25, 30, 35, 40 or 45.

    Business customers may also be able to increase their cover by up to $250,000, or 25% of the sum assured, without additional medical evidence. The increased cover amount will be proportional to the customer’s increased value to the business or any loan increase.

Need more info?

Contact your Business Manager or call us on 0800 88 22 88 - we’re here to help.

 

Disclaimers:
Customers - The materials on this website are intended for financial adviser use only and are not intended for customer use. A financial adviser can assess your life insurance needs and make recommendations that are suitable for your personal circumstances. If you do not have a financial adviser, please contact Fidelity Life on 0800 88 22 88 and we will put you in contact with one.
Advisers - The information contained in this webpage is a convenient summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document. Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your Business Manager or Business Account Manager. Please refer to current policy wordings for specific details. This webpage does not provide a personalised financial advice service.