{
  "vertical": "trauma",
  "insurer": {
    "slug": "asteron-life",
    "name": "Asteron Life",
    "brand_family": "asteron-life"
  },
  "product": {
    "slug": "trauma-recovery",
    "name": "Asteron Life Trauma Recovery Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-05-22",
    "ingested_at": "2026-05-20T04:04:02.94603+00:00",
    "pdf_hash": "fc13905706f63c2858143ea2d63b68330653f0eb893a8a7a88166c2f702ed460",
    "source_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
    "page_count": null
  },
  "confidence_tier": "brochure",
  "facts": {
    "trauma_conditions_matrix": {
      "coma": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Coma (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "stroke": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Stroke (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover."
      },
      "deafness": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Deafness (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "blindness": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Blindness (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "paralysis": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Paralysis (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "angioplasty": {
        "qualifier": "Optional add-on Early Trauma benefit; 90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "partial",
        "payout_percent": 20,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Coronary artery angioplasty (Early Trauma benefit ü**; marked **). Early trauma: partial payment (the greater of $10,000 or 20% of your total cover up to $100,000). Conditions marked ** require 3 months stand-down."
      },
      "encephalitis": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Encephalitis (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "heart-attack": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Heart attack (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover."
      },
      "severe-burns": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Burns (Early Trauma benefit ü, Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "liver-failure": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Chronic liver failure (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "aortic-surgery": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Repair or replacement of aorta (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover."
      },
      "cardiomyopathy": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Cardiomyopathy (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "early-melanoma": {
        "qualifier": "Covered under 'Early stage cancer' benefit — advance partial payment of Trauma Recovery Cover sum insured. Exact % not stated in this document; 3-month waiting period applies (marked **). Full % details in policy document.",
        "payout_status": "partial",
        "payout_percent": null,
        "source_paragraph": "Early stage cancer. If you're diagnosed with early stage cancer you'll receive an advance payment of part of your Trauma Recovery Cover. * Early Stage Cancer Benefit is a partial payment only. It's paid on the diagnosis of early stage cancers."
      },
      "kidney-failure": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Chronic kidney (renal) failure (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover."
      },
      "loss-of-speech": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Loss of speech (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "cancer-invasive": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Cancer (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover."
      },
      "aplastic-anaemia": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Aplastic anaemia (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "occupational-hiv": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "HIV – occupationally acquired (Trauma Recovery benefit ü)"
      },
      "terminal-illness": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Terminal illness (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "carcinoma-in-situ": {
        "qualifier": "Covered under 'Early stage cancer' benefit — advance partial payment of Trauma Recovery Cover sum insured. Exact % not stated in this document; 3-month waiting period applies (marked **). Full % details in policy document.",
        "payout_status": "partial",
        "payout_percent": null,
        "source_paragraph": "Early stage cancer. If you're diagnosed with early stage cancer you'll receive an advance payment of part of your Trauma Recovery Cover. * Early Stage Cancer Benefit is a partial payment only. It's paid on the diagnosis of early stage cancers."
      },
      "dementia-advanced": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Dementia (Trauma Recovery benefit ü, Major Trauma benefit ü); also Early Trauma benefit ü** as optional add-on with 90-day stand-down"
      },
      "major-head-trauma": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Major head trauma (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "alzheimers-disease": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Alzheimer's disease (Trauma Recovery benefit ü, Major Trauma benefit ü); also Early Trauma benefit ü** as optional add-on with 90-day stand-down. Dementia also listed separately (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "dcis-breast-cancer": {
        "qualifier": "Covered under 'Early stage cancer' benefit — advance partial payment of Trauma Recovery Cover sum insured. Exact % not stated in this document; 3-month waiting period applies (marked **). Full % details in policy document.",
        "payout_status": "partial",
        "payout_percent": null,
        "source_paragraph": "Early stage cancer. If you're diagnosed with early stage cancer you'll receive an advance payment of part of your Trauma Recovery Cover. * Early Stage Cancer Benefit is a partial payment only. It's paid on the diagnosis of early stage cancers."
      },
      "multiple-sclerosis": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Multiple sclerosis (Trauma Recovery benefit ü, Major Trauma benefit ü); also Early Trauma benefit ü** as optional add-on with 90-day stand-down"
      },
      "parkinsons-disease": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Parkinson's disease (Trauma Recovery benefit ü, Major Trauma benefit ü); also Early Trauma benefit ü** as optional add-on with 90-day stand-down"
      },
      "benign-brain-tumour": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Benign tumour of the brain or spinal cord (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "chronic-lung-disease": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Chronic lung failure (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "meningitis-bacterial": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Meningitis (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "early-prostate-cancer": {
        "qualifier": "Covered under 'Early stage cancer' benefit — advance partial payment of Trauma Recovery Cover sum insured. Exact % not stated in this document; 3-month waiting period applies (marked **). Full % details in policy document.",
        "payout_status": "partial",
        "payout_percent": null,
        "source_paragraph": "Early stage cancer. If you're diagnosed with early stage cancer you'll receive an advance payment of part of your Trauma Recovery Cover. * Early Stage Cancer Benefit is a partial payment only. It's paid on the diagnosis of early stage cancers."
      },
      "motor-neurone-disease": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Motor neurone disease (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "hiv-medically-acquired": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "HIV – medically acquired (Trauma Recovery benefit ü)"
      },
      "major-organ-transplant": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Major organ transplant (placement on waiting list or undergoing transplant) (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application."
      },
      "heart-valve-replacement": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Repair or replacement of valves (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover."
      },
      "pregnancy-complications": {
        "qualifier": "Not listed anywhere in the covered conditions table or benefit descriptions. No pregnancy or childbirth-related conditions appear in the wording.",
        "payout_status": "not_covered",
        "payout_percent": null,
        "source_paragraph": null
      },
      "childbirth-complications": {
        "qualifier": "Not listed anywhere in the covered conditions table or benefit descriptions. No pregnancy or childbirth-related conditions appear in the wording.",
        "payout_status": "not_covered",
        "payout_percent": null,
        "source_paragraph": null
      },
      "severe-rheumatoid-arthritis": {
        "qualifier": "Optional add-on Early Trauma benefit; 90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "partial",
        "payout_percent": 20,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Severe rheumatoid arthritis (Early Trauma benefit ü**; marked **). Early trauma: partial payment (the greater of $10,000 or 20% of your total cover up to $100,000). Conditions marked ** require 3 months stand-down."
      },
      "coronary-artery-bypass-grafts": {
        "qualifier": "90-day stand-down",
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Coronary artery bypass surgery (marked ** in table). Conditions marked ** require 3 months stand-down after the latest of the date we receive a fully completed application for the applicable benefit or cover."
      },
      "loss-of-independent-existence": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Loss of independent existence (Trauma Recovery benefit ü, Major Trauma benefit ü)"
      },
      "pulmonary-arterial-hypertension": {
        "qualifier": null,
        "source_doc": "Asteron-Trauma-Recovery-Brochure-2025-05",
        "source_tier": "B",
        "payout_status": "full",
        "payout_percent": null,
        "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf",
        "source_doc_date": "2025-05-22",
        "source_paragraph": "Pulmonary hypertension (Trauma Recovery benefit ü, Major Trauma benefit ü); also Early Trauma benefit ü** as optional add-on with 90-day stand-down"
      }
    }
  },
  "endpoints": {
    "summary": "/api/trauma/product/asteron-life/trauma-recovery/summary.md",
    "wording": "/api/trauma/product/asteron-life/trauma-recovery/wording.md",
    "history": "/api/trauma/product/asteron-life/trauma-recovery/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/trauma/product/asteron-life/trauma-recovery/facts.json",
  "generated_at": "2026-07-05T00:18:31.943Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}