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Critical Illness
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We know each business is different, so your cover to be tailored for the unique risks you face.
Trauma/Critical Illness Cover
Your Defence Against Life's Unpredictabilities
Trauma cover, also known as Critical Illness Cover, is more than just insurance—it's a commitment to your and your family's well-being in New Zealand.
Benefits of Trauma/Critical Illness Cover:
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Financial Stability: In the event of serious illnesses or injuries like cancer, heart attacks, or strokes, receive a predetermined lump-sum payment. This aids in covering medical expenses, treatment costs, lost income, and ensures your lifestyle remains unaffected during recovery.
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Focus on Recovery: With the financial burden eased, you and your loved ones can concentrate on healing and well-being.
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Tailored to Your Needs: Adjust your coverage based on your specific health concerns and family history.
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Comprehensive Coverage Options: From major illnesses like heart attacks to a broader list of conditions, select a policy that best suits your needs.
Facing a health challenge is more than a medical issue; it's an emotional and financial strain. Our Trauma/Critical Illness Cover is designed to alleviate that financial stress, allowing you to maintain your lifestyle, manage everyday bills, and prioritise recovery.
Take Control of Your Future: Investing in Trauma/Critical Illness Cover is a testament to valuing health, well-being, and family peace of mind. Arm yourself against unforeseen health challenges.
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Trauma cover FAQ: Your Guide to Informed Choices
What exactly is trauma or critical illness cover?
Trauma or critical illness cover provides a lump sum payment if you are diagnosed with a specified illness or injury covered under the policy. These illnesses can include, but are not limited to, heart attack, stroke, certain types of cancer, and major surgeries. The intention is to alleviate financial stress during challenging times, allowing you to focus on recovery and well-being.
Can I choose how to spend the payout from a trauma or critical illness policy?
Yes, the lump sum payment you receive from a trauma or critical illness policy is yours to use as you see fit. Whether you want to cover medical expenses, pay off debts, replace lost income, or even take a recovery holiday, the choice is yours. The purpose is to ease financial burdens and provide flexibility during a difficult period.
What is a decreasing mortgage cover plan?
A decreasing mortgage cover plan, often referred to as decreasing term life insurance in New Zealand, is where the sum insured reduces over time. This decrease typically aligns with the declining balance of a standard repayment mortgage. As you continue to pay off your mortgage, the potential payout of the policy reduces, reflecting the decreasing amount you owe on your home loan. Premiums for this type of cover are generally more affordable than for level term insurance since the potential payout diminishes over time.
Note: For personalised advice and detailed information, it's recommended to consult with our licensed financial adviser to evaluate your specific circumstances and provide accurate guidance regarding required insurance products.