# LifeProtect Trauma Cover — Fidelity Life

**Insurer:** Fidelity Life (`fidelity-life`)
**Product slug:** `lifeprotect-trauma`
**Status:** active
**Vertical:** trauma
**Extraction confidence:** verified

**Wording effective:** 2025-04-30
**Source PDF:** https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
**PDF hash (sha-256, first 16):** `ed6657e025906b60…`

## Trauma conditions covered

- 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

## 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"]

## Buy-back / reinstatement 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.

## 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.

## Survival period

14

## 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.

## Machine-readable endpoints

- Structured facts: `/api/trauma/product/fidelity-life/lifeprotect-trauma/facts.json`
- Full markdown wording: `/api/trauma/product/fidelity-life/lifeprotect-trauma/wording.md`
- Version history: `/api/trauma/product/fidelity-life/lifeprotect-trauma/history.json`
- Insurer profile: `/api/trauma/insurer/fidelity-life/summary.md`

## Citation

Cite as: Fidelity Life LifeProtect Trauma Cover policy facts (wording effective 2025-04-30), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/trauma/product/fidelity-life/lifeprotect-trauma/summary.md
Primary source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz