# LifeOne Critical Illness Benefit — Chubb Life NZ

**Insurer:** Chubb Life NZ (`chubb-life`)
**Product slug:** `life-one-critical-illness`
**Status:** active
**Vertical:** trauma
**Extraction confidence:** verified

**Wording effective:** 2026-05-17
**Source PDF:** https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/cig0276-life-one-policy-wording-v1.pdf
**PDF hash (sha-256, first 16):** `e2f0f377be273b9a…`

## Trauma conditions covered

- Cancer
- Early stage cancer
- Stroke
- Heart attack
- Open coronary artery bypass surgery
- Coronary artery angioplasty
- Paralysis
- Third-degree burns

## Partial-payment conditions

["Coronary artery angioplasty — lesser of 20% of the Critical Illness Cover Amount or $20,000","Early stage cancer — lesser of 10% of the Critical Illness Cover Amount or $20,000","Early stage chronic lymphocytic leukaemia — lesser of 20% of the Critical Illness Cover Amount or $20,000"]

## Buy-back / reinstatement rules

You can apply to reinstate your policy if it has been cancelled because of unpaid premiums. To support your application, you may need to provide information about the life insured's health and lifestyle. The terms for the reinstated policy may be different. You'll receive a new policy summary when your policy is reinstated.

## Child trauma cover

_Not on file._

## Survival period

Not specified

## Exclusions

- War or any act of war
- Invasion
- Terrorism or any acts of terrorism
- Act of foreign enemy
- Hostilities, strike, riot or civil commotion
- Civil war, rebellion, revolution or insurrection
- Military or usurped power
- Attempted suicide or intentional self-injury by the life insured, whether sane or insane (Critical Illness Benefit)
- An unlawful act by you or the life insured (Critical Illness Benefit)
- Alcohol or drugs taken by the life insured — unless prescribed by a qualified medical practitioner (Critical Illness Benefit)
- The life insured driving a motor vehicle with a blood alcohol level exceeding the minimum legal limit (Critical Illness Benefit)
- Suicide, attempted suicide or intentional self-injury within 13 months of the cover start date or reinstatement date (Life, Advanced Funeral and Terminal Illness Benefits)
- Conditions or symptoms of conditions (not caused by accidental injury) which occurred within 3 months after the later of: the original cover start date, any increase to the Critical Illness Cover Amount (in respect of the increased portion only), or the most recent date this policy was reinstated (Critical Illness Benefit)
- All cancers which are histologically described as premalignant, or carcinoma in situ or cervical intraepithelial neoplasia, unless it results directly in the removal of the entire organ
- All skin cancers unless: there is evidence of metastasis, or the tumour is a malignant melanoma of Clark Level 3 and above, or the tumour is a malignant melanoma with invasion greater than 1.5mm maximum thickness (Breslow method), or the tumour is a malignant melanoma showing signs of ulceration
- Prostate cancers diagnosed as TNM classification T1 with a Gleason score of 5 or less, unless major interventionist therapy is performed
- Chronic lymphocytic leukaemia less than Rai Stage 1
- Transient ischemic attacks (TIA)
- Cerebral symptoms due to reversible neurological deficits, migraine, cerebral injury from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions (Stroke)
- Carcinoma in situ of the cervix uteri of Cervical Intraepithelial Neoplasia (CIN) classifications CIN1 and CIN2
- Papillary micro-carcinoma, non-invasive papillary carcinoma and flat, non-invasive carcinoma in situ of the bladder
- Early stage cancer that is the same, similar to, related to, or directly or indirectly caused by an early stage cancer that has previously been covered by the Critical Illness Benefit
- A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease unless the baseline value is normal and the elevation is greater than 10 times the 99th percentile of the upper reference limit (Heart Attack)

## Machine-readable endpoints

- Structured facts: `/api/trauma/product/chubb-life/life-one-critical-illness/facts.json`
- Full markdown wording: `/api/trauma/product/chubb-life/life-one-critical-illness/wording.md`
- Version history: `/api/trauma/product/chubb-life/life-one-critical-illness/history.json`
- Insurer profile: `/api/trauma/insurer/chubb-life/summary.md`

## Citation

Cite as: Chubb Life NZ LifeOne Critical Illness Benefit policy facts (wording effective 2026-05-17), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/trauma/product/chubb-life/life-one-critical-illness/summary.md
Primary source: https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/cig0276-life-one-policy-wording-v1.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz