{ "vertical": "trauma", "insurer": { "slug": "fidelity-life", "name": "Fidelity Life", "brand_family": "fidelity-life" }, "product": { "slug": "lifeprotect-trauma", "name": "LifeProtect Trauma Cover", "status": "active", "positioning_summary": null }, "wording": { "version": "2025-04-30", "ingested_at": "2026-05-17T14:04:22.01715+00:00", "pdf_hash": "ed6657e025906b60cccfb5dc29d2bf9ccd4448aa7fa6d390e4c7006b27f234e1", "source_url": "https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf", "page_count": null }, "confidence_tier": "verified", "facts": { "exclusions": [ "You can't claim under this cover in connection with an intentional self-inflicted act or injury of the insured person.", "No benefit will ever be payable for a trauma condition that occurred, was diagnosed, or where signs or symptoms became apparent within 90 days of the date we receive the complete application and valid payment instruction, or the date of reinstatement (stand-down period applies to: cancer condition, heart attack, out of hospital cardiac arrest or stroke; angioplasty – two vessels or less or angioplasty – triple vessel if there was narrowing or blockage of one or more arteries; coronary artery bypass surgery if there was disease of the arteries; aorta surgery if there was narrowing, dissection or aneurysm of the abdominal or thoracic aorta; heart valve surgery if there was heart valve defects or abnormalities).", "No benefit will ever be payable for a trauma condition for a child if the trauma condition directly results from known congenital conditions or any child pre-existing conditions.", "Coma related to alcohol or drug abuse is excluded.", "Coronary artery bypass surgery: angioplasty, intra-arterial procedures and other non-surgical techniques are excluded.", "Benign brain tumour or benign spinal tumour: cysts, granulomas, malformations in or of the arteries or veins of the brain and haematomas are excluded.", "Cancer: tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia, CIN1, CIN2 and CIN3) are excluded; tumours histologically classified as pre-malignant or having low-malignant potential are excluded; all hyperkeratosis or basal cell carcinomas of the skin are excluded.", "Heart attack: other acute coronary and other non-coronary syndromes, including but not limited to angina pectoris, are excluded; a rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease is excluded.", "Intensive care as a direct or indirect result of drug or alcohol abuse is excluded.", "Loss of speech due to psychological reasons is excluded.", "Major organ transplant: transplant of all other organs, parts of organs (except for liver transplant) or any other tissue transplant is excluded; cover is only applicable to the recipient, not the donor.", "Medically acquired HIV: HIV that is medically acquired if a cure for HIV or AIDS was available at the time the procedure is performed is excluded; HIV transmission by any other means, other than Occupationally Acquired HIV, including sexual activity or deliberate injection of a drug not prescribed by a specialist medical practitioner, is excluded.", "Occupationally acquired HIV: HIV transmission by any other means, other than Medically Acquired HIV, including but not limited to sexual activity or deliberate injection of a drug not prescribed by a specialist medical practitioner, is excluded.", "Open heart surgery: repair via catheter surgery, minimally invasive 'keyhole' or similar techniques are excluded.", "Peripheral neuropathy related to alcohol or drug use is excluded.", "Relocation Benefit is not payable for a child under the Child's Trauma Benefit, or as a result of any partial benefit payment.", "Trauma Reinstatement Benefit: the bought back cover won't pay if the trauma condition is the same as the original trauma condition, or directly or indirectly caused by or related to the original trauma condition or its symptoms or conditions, or a loss of independent existence, or a heart condition and the original trauma condition was also a heart condition, or a stroke or paralysis (directly or indirectly resulting from a stroke) and the original trauma condition was a stroke.", "Trauma Reinstatement Benefit is not available where we have paid a claim for any partial benefit.", "Special Events Increase is not available if the cover has been issued as a result of an optional Trauma Reinstatement Benefit being exercised; or the insured person has had a claim paid or is entitled to be paid a claim under any policy with us or any other insurance company; or premiums aren't up to date or are being waived; or the portion of cover is itself a result of a Special Events Increase." ], "buyback_rules": "If the optional Trauma Reinstatement Benefit is included (shown in policy schedule), 12 months from the payment of the full sum insured (other than for loss of independent existence), you may buy back the Trauma Cover without providing additional health information. The option must be exercised once only within 90 days after the end of the 12-month period, and before the insured person's 65th birthday. The maximum amount that can be repurchased is the lesser of the benefit paid and $2,000,000. Premium is calculated at rates applicable for the insured person's age and sum insured at the time of exercise. The bought back cover is subject to the same terms and conditions as at the start date but won't include any options or built-in benefits except payment of the trauma conditions listed in section 2.1. The Trauma Reinstatement Benefit is not available where a partial benefit claim has been paid. A discount applies to the premium on the bought back cover if the original trauma condition was a cancer condition or a heart condition.", "inbuilt_benefits": [ "Trauma conditions — full benefit payment (section 2.1.1)", "Trauma conditions — partial benefit payment (section 2.1.2)", "Child's Trauma Benefit (section 2.5)", "Conversion of Child's Trauma Benefit (section 2.5.1)", "Financial Planning and Legal Advice Benefit (section 2.6)", "Special Events Increase (section 2.7)", "Relocation Benefit (section 2.8)", "CPI Increases (section 2.9, if included as stated in policy schedule)" ], "premium_structure": "Premiums are calculated based on the insured person's age and premium rates applicable at the start date of the cover (or the date of any increase). For any Special Events Increase, premium is calculated using the insured person's age and premium rates at the start date of that increase. For a Trauma Reinstatement Benefit buy-back, premium is calculated at the rates applicable for the insured person's age and sum insured at the time the option is exercised. For a Child's Trauma Benefit conversion at age 21, premium is calculated based on sum insured, gender and smoking status at age 21. No further detail on stepped vs level structure is provided in this wording.", "trauma_conditions": [ "Alzheimer's disease", "Angioplasty – triple vessel", "Aorta surgery", "Aplastic anaemia", "Benign brain tumour or benign spinal tumour", "Cancer", "Carcinoma in situ – major treatment", "Cardiomyopathy", "Chronic kidney failure (renal failure)", "Chronic liver failure", "Chronic lung disease", "Cognitive impairment", "Coma", "Coronary artery bypass surgery", "Creutzfeldt-Jakob disease (CJD)", "Dementia", "Encephalitis", "Heart attack", "Heart valve surgery", "Intensive care", "Loss of independent existence", "Loss of limb and eye", "Loss of limbs", "Loss of sight in both eyes", "Loss of speech", "Major head trauma", "Major organ transplant", "Medically acquired HIV", "Meningitis and/or meningococcal disease", "Motor neurone disease", "Multiple sclerosis", "Muscular dystrophy", "Occupationally acquired HIV", "Open heart surgery", "Out of hospital cardiac arrest", "Paralysis", "Parkinson's disease", "Peripheral neuropathy", "Pneumonectomy", "Primary pulmonary hypertension", "Severe burns", "Severe diabetes", "Severe inflammatory bowel disease", "Stroke", "Systemic sclerosis", "Total deafness in both ears", "Adult onset type 1 insulin dependent diabetes mellitus", "Alzheimer's disease diagnosis", "Aneurysm", "Angioplasty – two vessels or less", "Carcinoma in situ without major treatment", "Chronic lymphocytic leukaemia", "Colostomy and/or ileostomy", "Dementia diagnosis", "Early stage prostate cancer", "Hydrocephalus", "Loss of one limb", "Loss of sight in one eye", "Major burns", "Malignant melanoma diagnosis", "Multiple sclerosis diagnosis", "Parkinson's disease diagnosis", "Severe osteoporosis", "Severe rheumatoid arthritis", "Systemic lupus erythematosus", "Total deafness in one ear" ], "child_trauma_cover": "The Child's Trauma Benefit is a built-in benefit. It is payable if a child aged between 2 and 20 (inclusive) suffers a trauma condition defined in section 8 (apart from adult onset type 1 insulin dependent diabetes mellitus), occurring for the first time after the start date and after any applicable stand-down period, and the child survives for 14 days. We pay per child the lesser of: 20% of the parent's sum insured up to $50,000; or if the trauma condition is a partial benefit, 10% of the parent's sum insured up to $25,000. A maximum of one Child's Trauma Benefit is paid per child regardless of the number of trauma conditions suffered or the number of covers the parent(s) have. Payment does not reduce the parent's sum insured. No benefit is payable if the trauma condition directly results from known congenital conditions or child pre-existing conditions. The benefit ends on the earliest of: the parent(s) no longer having cover with us providing this benefit; the child's 21st birthday; or payment of a Child's Trauma Benefit or equivalent for that child. Conversion option available within 30 days before and after the child's 21st birthday for up to 20% of one parent's sum insured immediately before the child's 21st birthday, maximum $50,000, without additional health information.", "max_sum_insured_nzd": "Where the event giving rise to payment of the sum insured was already covered by a trauma type policy issued by us or another insurer, we will reduce our payment so that the total for the insured person doesn't exceed $2,000,000. The total cover when added to all other trauma type covers with any insurer after a Special Events Increase cannot exceed $2,000,000. CPI Increases stop when total sum insured for all trauma type covers reaches $2,000,000.", "survival_period_days": 14, "waiting_periods_days": { "stand_down_angioplasty": 90, "stand_down_aorta_surgery": 90, "stand_down_heart_valve_surgery": 90, "stand_down_coronary_artery_bypass_surgery": 90, "stand_down_cancer_heart_attack_cardiac_arrest_stroke": 90 }, "trauma_conditions_matrix": { "coma": { "qualifier": "≥72h continuous unconsciousness with life support; must survive 14+ days without life support", "payout_status": "full", "payout_percent": null, "source_paragraph": "A state of unconsciousness with no reaction to external stimuli or internal needs, persisting continually with the use of a life support system for at least 72 hours. Trauma Cover for coma will only be paid where the insured person survives for at least a further fourteen days without the use of a life support system. Coma related to alcohol or drug abuse is excluded." }, "stroke": { "qualifier": "Cerebrovascular incident with CT/MRI evidence; excludes TIA and migraine", "payout_status": "full", "payout_percent": null, "source_paragraph": "A cerebrovascular incident including infarction of brain tissue, intracranial or subarachnoid haemorrhage, or embolisation from an intracranial source as evidenced by CT, MRI or similar scan. Transient ischaemic attacks and cerebral symptoms due to migraine are excluded." }, "deafness": { "qualifier": "Total and irreversible loss of hearing (natural and assisted, excluding cochlear implant) in both ears", "payout_status": "full", "payout_percent": null, "source_paragraph": "The total and irreversible loss of hearing both natural and assisted (excluding via cochlear implant), in both ears as a result of sickness or injury as confirmed by a specialist medical practitioner." }, "blindness": { "qualifier": "Total and permanent blindness both eyes: visual acuity <6/60 or field ≤20° arc", "payout_status": "full", "payout_percent": null, "source_paragraph": "The insured person suffers the permanent and irreversible loss of sight in both eyes. The permanent and irreversible loss of sight must be confirmed by an appropriate specialist medical practitioner and measured by one of the following: visual acuity of less than 6/60 in both eyes after correction, or a field of vision constricted to 20 degrees of arc or less, or a combination of visual defects resulting in the same degree of visual impairment as that occurring in either of the above." }, "paralysis": { "qualifier": "Total and permanent loss of use of one or more limbs; includes mono-, di-, hemi-, para-, quadriplegia", "payout_status": "full", "payout_percent": null, "source_paragraph": "The total and permanent loss of use of one or more limbs resulting from injury or disease. Limb means an entire arm or leg and included in this definition is monoplegia, diplegia, hemiplegia, paraplegia, quadriplegia and tetraplegia. The diagnosis must be confirmed by a specialist medical practitioner." }, "angioplasty": { "qualifier": "One or two coronary arteries treated; angiographic evidence required. If sum insured <$10,000, full sum paid", "payout_status": "partial", "payout_percent": 25, "source_paragraph": "We will pay 25% of the sum insured up to a maximum of $25,000 each time the insured person undergoes a coronary artery angioplasty to correct narrowing or blockage of one or two coronary arteries. If the sum insured is less than $10,000 we will pay the sum insured. Angiographic evidence indicating obstruction of the treated coronary arteries and confirmation from a specialist medical practitioner is required to confirm that the procedure is medically necessary." }, "encephalitis": { "qualifier": "Severe brain inflammation with significant permanent neurological sequelae or ≥25% whole person impairment or ≥1 ADL dependency", "payout_status": "full", "payout_percent": null, "source_paragraph": "Severe inflammation of the brain diagnosed by a specialist medical practitioner as resulting in: significant and permanent neurological sequelae, or at least 25% permanent impairment of whole person function, or the permanent inability of the insured person to perform at least one of the activities of daily living without the assistance of an adult." }, "heart-attack": { "qualifier": "Troponin rise/fall + new cardiac symptoms/ECG changes/imaging evidence; excludes angina and elective PCI", "payout_status": "full", "payout_percent": null, "source_paragraph": "The death of a portion of heart muscle as a result of inadequate blood supply. The basis of diagnosis must be confirmed by an appropriate specialist medical practitioner and evidenced by a typical rise and/or fall of cardiac biomarkers (Troponin I, Troponin T or CK-MB) and must also be supported by one of the following changes consistent with a heart attack: new cardiac symptoms and signs, or electrocardiogram (ECG) tests showing new significant changes, or imaging evidence of new loss of viable myocardium or new regional wall motion abnormality." }, "severe-burns": { "qualifier": "Third degree burns ≥20% BSA or ≥50% both hands requiring surgery or ≥25% face requiring surgery", "payout_status": "full", "payout_percent": null, "source_paragraph": "Tissue injury caused by thermal, electrical or chemical agents that results in third degree burns to at least: 20% of the Body Surface Area as measured by the Rule of 9's or the Lund and Browder Body Surface Chart, or 50% of both hands requiring surgical debridement and/or grafting, or 25% of the face requiring surgical debridement and/or grafting." }, "liver-failure": { "qualifier": "End stage liver failure with permanent jaundice, ascites and encephalopathy", "payout_status": "full", "payout_percent": null, "source_paragraph": "End stage liver failure diagnosed by an appropriate specialist medical practitioner based on any of the following symptoms: permanent jaundice, ascites and encephalopathy." }, "aortic-surgery": { "qualifier": "Surgery for narrowing, dissection or aneurysm of abdominal or thoracic aorta", "payout_status": "full", "payout_percent": null, "source_paragraph": "Surgery, including minimally invasive surgery or percutaneous procedures, to correct any narrowing, dissection or aneurysm of the abdominal or thoracic aorta by repair or its replacement." }, "cardiomyopathy": { "qualifier": "NYHA Class 3 or equivalent cardiac impairment", "payout_status": "full", "payout_percent": null, "source_paragraph": "Impaired ventricular function of variable aetiology, resulting in physical impairments to the degree of at least class 3 of the New York Heart Association Classification of Cardiac Impairment or equivalent classification of cardiac impairment." }, "early-melanoma": { "qualifier": "Clark Level 1 or 2 depth, <1mm Breslow thickness", "payout_status": "partial", "payout_percent": 25, "source_paragraph": "We will pay 25% of the sum insured up to a maximum of $50,000 the first time the insured person is positively diagnosed by a specialist medical practitioner with supporting histological evidence of malignant melanoma that is Clark Level 1 or 2 depth of invasion, and less than 1mm in thickness as measured using the Breslow method." }, "kidney-failure": { "qualifier": "End stage renal failure requiring regular dialysis", "payout_status": "full", "payout_percent": null, "source_paragraph": "End stage renal failure diagnosed by an appropriate specialist medical practitioner and presenting as chronic irreversible failure of both kidneys to function and resulting in regular renal dialysis being started." }, "loss-of-speech": { "qualifier": "Total and permanent loss of intelligible speech from permanent damage to larynx/nerves/brain speech centres; excludes psychological causes", "payout_status": "full", "payout_percent": null, "source_paragraph": "The total and permanent loss of the ability to produce intelligible speech as a result of permanent damage to the larynx or its nerve supply or to the speech centres of the brain, whether caused by injury, tumour or sickness. Loss of speech due to psychological reasons is excluded." }, "cancer-invasive": { "qualifier": "Invasive malignant tumours beyond basement membrane; specific staging criteria apply per cancer type", "payout_status": "full", "payout_percent": null, "source_paragraph": "The confirmed presence of one or more invasive malignant tumours diagnosed by a specialist medical practitioner with supporting histological evidence of uncontrolled growth of malignant cells and invasion of normal tissue beyond the basement membrane." }, "aplastic-anaemia": { "qualifier": "Bone marrow failure with anaemia, neutropenia, thrombocytopenia requiring specific treatments", "payout_status": "full", "payout_percent": null, "source_paragraph": "Bone marrow failure that results in anaemia, neutropenia and thrombocytopenia and requires treatment with at least one of the following: Marrow stimulating agents, Immunosuppressive agents, Bone marrow transplant, Peripheral blood stem cell transplant, Blood product transfusions." }, "occupational-hiv": { "qualifier": "HIV from accidental means during normal occupation or violent act; seroconversion within 6 months; negative test within 7 days; incident reported within 7 days", "payout_status": "full", "payout_percent": null, "source_paragraph": "Infection by the Human Immunodeficiency Virus (HIV), acquired via accidental means during the course of carrying out the insured person's normal occupation, or a violent act of another person arising out of insured person's normal occupation, with sero-conversion to HIV infection occurring within six months of the accident. Any accident which may lead to a claim must be reported to the relevant authority or employer within seven days of the incident. The report must be supported by a negative HIV antibody test within seven days of the incident." }, "terminal-illness": { "qualifier": "Terminal illness is not listed as a trauma condition. It is referenced only as a trigger for the Special Events Increase (section 2.7) and as a cover-end event trigger, not as a payable benefit.", "payout_status": "not_covered", "payout_percent": null, "source_paragraph": "either, death or terminal illness (diagnosed by an appropriately qualified medical practitioner, confirming a prognosis of less than 12 months to live) of a spouse, de facto partner, child or civil union partner" }, "carcinoma-in-situ": { "qualifier": "Breast, cervix uteri, vagina, vulva, fallopian tubes, ovary, corpus uteri, anus, perineum, penis or testicle; Tis/FIGO stage 0 without major treatment", "payout_status": "partial", "payout_percent": 10, "source_paragraph": "We will pay 10% of the sum insured to a maximum of $25,000 the first time the insured person is diagnosed by a specialist medical practitioner with carcinoma in situ of the breast, cervix uteri, vagina, vulva, fallopian tubes, ovary, corpus uteri, anus, perineum, penis or testicle. Tumours must be classified as Tis according to the TNM classification or FIGO stage 0 with supporting histological evidence." }, "dementia-advanced": { "qualifier": "Permanent and irreversible loss of cognitive function requiring daily supervision", "payout_status": "full", "payout_percent": null, "source_paragraph": "The confirmed diagnosis by a specialist medical practitioner of dementia with the permanent and irreversible loss of cognitive function. Loss of cognitive function is deterioration or loss of intellectual capacity which requires the need for daily supervision of another adult to ensure the insured person's safety. Daily supervision means situations such as preparing food, taking medicines, leaving the home or activities of similar severity." }, "major-head-trauma": { "qualifier": "Permanent neurological deficit from external accidental head injury with ≥25% whole person impairment or ≥1 ADL dependency", "payout_status": "full", "payout_percent": null, "source_paragraph": "Permanent neurological deficit caused by an external accidental injury to the head which is confirmed by a specialist medical practitioner as resulting in either: at least 25% permanent impairment of whole person function, or the permanent inability of the insured person to perform at least one of the activities of daily living without the assistance of an adult." }, "alzheimers-disease": { "qualifier": "Permanent and irreversible loss of cognitive function requiring daily supervision", "payout_status": "full", "payout_percent": null, "source_paragraph": "The confirmed diagnosis by a specialist medical practitioner of Alzheimer's disease with the permanent and irreversible loss of cognitive function. Loss of cognitive function is deterioration or loss of intellectual capacity which requires the need for daily supervision by another adult to ensure the insured person's safety." }, "dcis-breast-cancer": { "qualifier": "With major treatment (radical surgery or radiotherapy/systemic chemotherapy)", "payout_status": "full", "payout_percent": null, "source_paragraph": "The actual undergoing of treatment for pre-invasive carcinoma in situ. The tumour must be positively diagnosed by a specialist medical practitioner as Tis according to the TNM classification or FIGO stage 0, with supporting histological evidence and resulting in one of the following being performed: radical surgery, or medically necessary treatment by radiotherapy or systemic chemotherapy." }, "multiple-sclerosis": { "qualifier": ">1 episode with ≥25% whole person impairment or ≥1 ADL dependency or EDSS ≥7.5; confirmatory neurological investigations required", "payout_status": "full", "payout_percent": null, "source_paragraph": "The unequivocal diagnosis by an appropriate specialist medical practitioner of multiple sclerosis confirming more than one episode of well-defined neurological abnormalities and at least 25% permanent impairment of whole person function, or the permanent inability to perform at least one of the activities of daily living without the assistance of an adult, or Expanded Disability Status Scale (EDSS) level of 7.5 or higher." }, "parkinsons-disease": { "qualifier": "Idiopathic Parkinson's with ≥25% whole person impairment or ≥1 ADL dependency", "payout_status": "full", "payout_percent": null, "source_paragraph": "The unequivocal diagnosis of Idiopathic Parkinson's disease by a specialist medical practitioner resulting in: at least 25% permanent impairment of whole person function, or the permanent inability of the insured person to perform at least one of the activities of daily living without the assistance of an adult." }, "benign-brain-tumour": { "qualifier": "Non-cancerous brain/spinal tumour causing symptoms of intracranial pressure with permanent neurological damage or requiring surgical removal; pituitary covered if permanent damage or craniotomy", "payout_status": "full", "payout_percent": null, "source_paragraph": "A non-cancerous tumour in the brain or spinal cord that gives rise to characteristic symptoms of intracranial pressure, such as papilloedema, mental symptoms, seizures and sensory impairment and results in: permanent neurological damage and functional impairment diagnosed by an appropriate specialist medical practitioner, or surgical treatment for its removal where this is considered the appropriate and medically necessary treatment." }, "chronic-lung-disease": { "qualifier": "End stage with permanent oxygen therapy and FEV1 <1L or ≥25% whole person impairment or ≥1 ADL dependency", "payout_status": "full", "payout_percent": null, "source_paragraph": "End stage lung disease requiring permanent oxygen therapy and with: FEV1 test results of consistently less than one litre, or at least 25% permanent impairment of whole person function, or the permanent inability of the insured person to perform at least one of the activities of daily living without the assistance of an adult." }, "meningitis-bacterial": { "qualifier": "Meningitis and/or meningococcal disease with ≥25% whole person impairment or ≥1 ADL dependency", "payout_status": "full", "payout_percent": null, "source_paragraph": "The unequivocal diagnosis by an appropriate specialist medical practitioner of meningitis and/or meningococcal disease including meningococcal septicaemia that results in either: at least 25% permanent impairment of whole person function, or the permanent inability of the insured person to perform at least one of the activities of daily living without the assistance of an adult." }, "early-prostate-cancer": { "qualifier": "TNM T1 (all categories) or Gleason ≤5", "payout_status": "partial", "payout_percent": 25, "source_paragraph": "We will pay 25% of the sum insured up to a maximum of $50,000 the first time the insured person is positively diagnosed by a specialist medical practitioner with supporting histological evidence of early stage prostate cancer of TNM classification T1 (all categories) or Gleason score less than or equal to 5." }, "motor-neurone-disease": { "qualifier": "Unequivocal diagnosis by two specialist medical practitioners", "payout_status": "full", "payout_percent": null, "source_paragraph": "The unequivocal diagnosis of motor neurone disease by two appropriate specialist medical practitioners." }, "hiv-medically-acquired": { "qualifier": "HIV from medical event (transfusion, transplant, assisted reproduction, medical procedure); requires notification from recognised health authority", "payout_status": "full", "payout_percent": null, "source_paragraph": "Infection by the Human Immunodeficiency Virus (HIV), acquired via one of the following medical events or procedures, conducted by an appropriate medical practitioner: a blood transfusion; or transfusion with blood products; or organ transplant to the insured person; or assisted reproductive techniques; or any other medical procedure or operation. Notification and proof of the incident will be required from a recognised health authority confirming the infection is medically acquired." }, "major-organ-transplant": { "qualifier": "Actual transplant or official waiting list for kidney, heart, lung, liver, pancreas, small bowel, bone marrow or blood-forming stem cell", "payout_status": "full", "payout_percent": null, "source_paragraph": "The actual transplant, or placement on an official waiting list of a Transplantation Society of Australia and New Zealand recognised transplant unit, of one or more of the following organs or tissues: Kidney, Heart, Lung, Liver (including live donor liver transplants), Pancreas, Small bowel, Bone marrow, Blood-forming stem cell transplant." }, "heart-valve-replacement": { "qualifier": "Surgery including minimally invasive or percutaneous procedures to replace or repair cardiac valves", "payout_status": "full", "payout_percent": null, "source_paragraph": "Surgery, including minimally invasive surgery or percutaneous procedures, to replace or repair a cardiac valve or valves as a consequence of heart valve defects or abnormalities." }, "pregnancy-complications": { "qualifier": "Not listed as a covered trauma condition anywhere in the wording. Pregnancy is referenced only in the Special Events Increase section as a qualifying life event for a sum insured increase, not as a claimable benefit.", "payout_status": "not_covered", "payout_percent": null, "source_paragraph": null }, "childbirth-complications": { "qualifier": "Not listed as a covered trauma condition anywhere in the wording. No mention of childbirth complications as a claimable benefit.", "payout_status": "not_covered", "payout_percent": null, "source_paragraph": null }, "severe-rheumatoid-arthritis": { "qualifier": "Diagnosed before age 50 with morning stiffness, swelling in ≥3 joint groups (bilateral, including fingers/toes/knuckles/wrist), subcutaneous nodules, positive RF, x-ray changes, diffuse osteoporosis with hand/spinal deformity", "payout_status": "partial", "payout_percent": 25, "source_paragraph": "We will pay 25% of the sum insured to a maximum of $25,000 if the insured person before their 50th birthday is diagnosed with severe rheumatoid arthritis by an appropriate specialist medical practitioner. The diagnosis must confirm all the following: morning stiffness of the joints, and swelling and pain in the joints of at least three joint groups, involving the corresponding joints on both sides of the body. One of the groups must be joints on the fingers or toes, or the knuckles of the hand or wrist, and small nodular swelling beneath the skin, and a positive rheumatoid factor test, and x-ray evidence showing multiple and extensive changes to joints typical of rheumatoid arthritis, and diffuse osteoporosis with severe hand and spinal deformity." }, "coronary-artery-bypass-grafts": { "qualifier": "Open-heart bypass surgery; excludes angioplasty and non-surgical techniques", "payout_status": "full", "payout_percent": null, "source_paragraph": "Medically necessary coronary artery bypass graft surgery to correct coronary artery disease that is causing inadequate myocardial blood supply. Angioplasty, intra-arterial procedures and other non-surgical techniques are excluded." }, "loss-of-independent-existence": { "qualifier": "Totally and permanently unable to perform ≥2 ADLs without adult assistance", "payout_status": "full", "payout_percent": null, "source_paragraph": "As a result of disease, sickness or injury, the insured person is totally and permanently unable to perform at least two of the activities of daily living without the assistance of an adult." }, "pulmonary-arterial-hypertension": { "qualifier": "Primary pulmonary hypertension with right ventricular enlargement; cardiac catheterisation required", "payout_status": "full", "payout_percent": null, "source_paragraph": "Irreversible raised pressure in the pulmonary arteries with right ventricular enlargement established by investigations including cardiac catheterisation." } }, "partial_payment_conditions": [ "Adult onset type 1 insulin dependent diabetes mellitus — 25% of sum insured, maximum $25,000", "Alzheimer's disease diagnosis — 25% of sum insured, maximum $25,000", "Aneurysm — 25% of sum insured, maximum $25,000", "Angioplasty – two vessels or less — 25% of sum insured, maximum $25,000 (if sum insured less than $10,000, pay sum insured)", "Carcinoma in situ without major treatment — 10% of sum insured, maximum $25,000", "Chronic lymphocytic leukaemia — 25% of sum insured, maximum $50,000", "Colostomy and/or ileostomy — 25% of sum insured, maximum $25,000", "Dementia diagnosis — 25% of sum insured, maximum $25,000", "Early stage prostate cancer — 25% of sum insured, maximum $50,000", "Hydrocephalus — 25% of sum insured, maximum $25,000", "Loss of one limb — 25% of sum insured, maximum $25,000", "Loss of sight in one eye — 25% of sum insured, maximum $25,000", "Major burns — 25% of sum insured, maximum $25,000", "Malignant melanoma diagnosis — 25% of sum insured, maximum $50,000", "Multiple sclerosis diagnosis — 25% of sum insured, maximum $25,000", "Parkinson's disease diagnosis — 25% of sum insured, maximum $25,000", "Severe osteoporosis — 25% of sum insured, maximum $25,000", "Severe rheumatoid arthritis — 25% of sum insured, maximum $25,000", "Systemic lupus erythematosus — 25% of sum insured, maximum $25,000", "Total deafness in one ear — 25% of sum insured, maximum $25,000" ], "future_insurability_options": "Special Events Increase: available once in any 12-month period before the insured person's 55th birthday without additional health information. Events include: marriage or civil union; divorce or separation; pregnancy at 28 weeks gestation or birth of a child; adoption of a child; dependent child starting secondary school; financially supporting a dependent child through a first course of full-time tertiary education; reaching ages 25, 30, 35, 40, or 45; death or terminal illness of a spouse, de facto partner, child or civil union partner; permanently stopping work to provide full-time physical care for a dependent relative for the first time; taking out or increasing a mortgage; co-signing on a new mortgage for a child; salary increase of at least $5,000 or at least 10% of salary. Increase caps vary by event (generally lesser of $250,000 or 50% of sum insured at start date, or 25% of sum insured at start date for salary events). Maximum total increase per insured person is the lesser of $1,000,000 or the sum insured at the start date. Total cover after increase cannot exceed $2,000,000." }, "endpoints": { "summary": "/api/trauma/product/fidelity-life/lifeprotect-trauma/summary.md", "wording": "/api/trauma/product/fidelity-life/lifeprotect-trauma/wording.md", "history": "/api/trauma/product/fidelity-life/lifeprotect-trauma/history.json" }, "canonical_url": "https://insurenz.co.nz/api/trauma/product/fidelity-life/lifeprotect-trauma/facts.json", "generated_at": "2026-09-06T06:19:10.036Z", "license": "CC BY 4.0 — attribute https://insurenz.co.nz" }