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Complete Disablement Cover

We’ll pay you a lump sum if you become completely disabled through illness or injury.

Benefits of Complete Disablement Cover

Having complete disablement cover means if you become completely disabled through illness or injury, you'll have the support you need to focus on your recovery.


Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

What's covered?
What's covered?

Payment of the full Complete Disablement Cover sum insured if you become completely disabled.

If you meet any of the definitions for a complete disability, the full Complete Disablement Cover sum insured may be payable.

Why it's important

Provides support to assist you and your family to minimise the financial impact as a result of your complete disability.

A partial payment for loss of sight in one eye or the loss of use of one limb.

If you meet any of the definitions for a partial disability, a partial payment of 25 per cent of the Complete Disablement Cover sum insured up to $100,000 may be payable. We'll subtract the amount we pay for a Partial Disablement Benefit from the Complete Disablement Cover sum insured.

Why it's important

Allows you to receive a partial payment if your situation doesn't qualify for a Complete Disablement Benefit.

Cover for costs of up to $10,000 to get you back to New Zealand if you become completely disabled while living overseas.

If you've been living outside of New Zealand for more than three months in a row and become completely disabled, this benefit will pay the lesser of the cost to get you back to New Zealand or $10,000.

Why it's important

Peace of mind knowing that if you have an accident or suffer an illness that results in you being completely disabled while overseas you can get home immediately.

Covers accommodation and transport costs for a support person to go with you if you need to travel away from your home area for treatment.

If a medical practitioner confirms you need treatment for your disability, where the treatment is not available within 50-kilometres from your main home and, recommends that a support person goes with you, this benefit will pay $200 for each night the support person stays with you for treatment, for up to 10 nights. This benefit will also reimburse you for reasonable public transport the support person uses to travel directly to and from the treatment for up to 10 nights.

Why it's important

You don’t have to worry about the additional costs of having your loved one with you if treatment is unavailable locally.

A reimbursement of up to $2,500 for the costs of receiving professional advice.

This benefit is paid as a reimbursement for the costs of getting legal or financial planning advice about using money from a Complete Disablement Benefit.

Why it's important

Allows for consultation of a financial planner or legal professional if you require financial or legal advice in regards to how to invest the benefit paid.

Allows you to increase your sum insured by up to $250,000 if you experience a certain life event, without further assessment of your health.

These certain life events include getting married or entering a civil union, reaching 28 weeks gestation, giving birth to or legally adopting a child, getting an annual salary increase, taking out a mortgage or buying a property. For a full list of events covered, please refer to the terms and conditions of the Complete Disablement Cover. All increases under this benefit can't be more than 75 percent of the original Complete Disablement Cover sum insured. You must apply for the Life Events Benefit within 180 days of the event happening, or within 60 days of the anniversary date after the event happened. This benefit ends on your 60th birthday.

Why it's important

Allows you to keep your insurance up to date with your changing lifestyle, without providing any further evidence of your health.

Should I get Complete Disablement Cover?

Leave your details and a qualified adviser will give you a call to discuss your options

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