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Complete Disablement Cover

Insurance that pays you a lump sum amount if you become completely disabled as a result of illness or injury.

Why do you need Complete Disablement Cover?

If you become completely disabled through illness or injury, you may only receive limited ACC cover or a basic sickness benefit. If you lose your income, you may face extra costs to assist with your daily living such as alterations to your house or paying for care. Having Complete Disablement Cover can help minimise the financial impact and allow you to make choices about the care or treatment you may require. 

You will receive a lump sum amount and it's your choice how you use the money. Some examples of how this money can help are: 

  • subsidise a lost income
  • cover day-to-day expenses (eg power, phone, food, petrol)
  • help cover debts (eg mortgage, credit cards)
  • assist with medical costs associated with recovery
  • seek alternative treatments
  • pay for home alterations, rehabilitation and home help.


Complete Disablement Cover provides several benefits that are built into the cover as well as some optional benefits you can choose to add at an additional cost,  so it's easy to tailor your Complete Disablement Cover to suit your needs and budget.

Is Assurance Extra for me?
Is Assurance Extra 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


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.