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.

Accelerated or standalone

Complete Disablement Cover can be ‘accelerated’ against Life Cover. This means that  the Life Cover sum insured will be reduced by the amount we pay for any Complete Disablement Cover claims.

Alternatively Complete Disablement Cover can be  'standalone’, which means  that any Complete Disablement Cover claim paid is independent of any Life Cover.

Benefits

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.

Complete Disablement Benefit

Built-in benefits

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

Partial Disablement Benefit

Built-in benefits

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

Return to Home Benefit

Built-in benefits

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

Support Person Accommodation Grant & Transfer Benefit

Built-in benefits

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

Financial & Legal Advice

Built-in benefits

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

Life Events Benefit

Built-in benefits

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.

Optional Guaranteed Insurability

Optional benefits

Allows you to increase your sum insured every 2 years by up to $50,000 without further assessment of your health.

Optional Life Cover Buy-Back (accelerated only)

Optional benefits

You can ‘buy back’ your Life Cover (that has been reduced) if you’ve made a claim on your accelerated Complete Disablement Cover.

Find the right cover for you

To make sure you choose the right cover for your needs, you'll need the help of a qualified Insurance 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.