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Specific Injury Cover

Having Specific Injury Cover provides you the extra financial help that you may need during recovery.

Accidents can happen at any time. While many have minor consequences, others can lead to major injury, which may significantly impact on your ability to work or do everyday tasks.

Specific Injury Cover can only be selected along with at least one qualifying cover on the same policy (please refer to the brochure for the list of qualifying covers).


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 Included:
What's Included:

Lump sum payment

Receive a lump sum amount if you suffer one of the covered injuries as a result of an accident.

Coverage for injuries that worsen

Coverage for injuries that worsen after a claim has been paid – paying you the difference between the amount we’ve already paid and the higher amount you would’ve qualified for, for the progressed injury.

Continuous coverage

Continuous coverage for the same type of injury if it results from a new accident.

Chubb Life Client Benefits

Access to our Chubb Life Client Benefits which offer a range of additional services.

Is Specific Injury Cover right for me?

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