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Trauma Cover

Insurance that pays a  lump sum if you or a key person gets a defined illness or condition for the first time.

Why do you need trauma cover?

Ongoing improvements and advancements in modern medicine mean you have a greater chance of surviving a serious illness or condition, but it can have a serious financial impact on your business. Having Trauma Cover in place can help minimise the financial impact.

Some examples of how this money can help are:

  • a cash injection to help your business continue operating
  • clearing business debt or loans
  • recruitment costs to find a replacement person
  • succession planning
  • executing a buy/sell agreement.


Trauma Cover provides several benefits that are built into the cover as well as some options you can choose to add at an additional cost. This makes it easy to tailor your Trauma Cover to suit your needs and budget.



  • Intentional self-harm including attempted suicide
  • Taking part in a criminal activity
  • If the life assured doesn't survive for at least 14 days after first meeting the criteria for a covered condition.

Trauma Cover provides you with comprehensive cover for a number of serious illnesses and conditions as outlined in the brochure linked below. To make a claim, you need to meet the relevant criteria of the condition. The full criteria can be found in the Trauma Cover policy wording.

A Full Trauma Benefit, Partial Benefit or Diagnosis Benefit may be payable depending on the criteria met for the condition.

Is Assurance Extra Business for me?
Is Assurance Extra Business for me?

Find the right cover

To make sure you choose the right cover for your needs, you'll need the help of a qualified Financial Adviser. We can connect you with an Adviser near you.

Leave your details and someone will give you a call for a quick, no-obligation chat about your personal insurance needs.

Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit