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Trauma Cover

Sometimes referred to as Critical Illness insurance, Trauma Cover pays you a lump sum if you're diagnosed with a covered illness or condition for the first time.

Benefits of Trauma Cover

If you get one of the defined serious illnesses or conditions for the first time, Trauma Cover will pay a lump sum amount, giving you the financial freedom to make your own choices about your future, at a time when your health has been seriously affected.


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?

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

  • seeking alternative treatments

  • paying for home alterations, rehabilitation and home help.

Alzheimer’s disease

Aortic surgery

Aplastic anaemia

Benign brain tumour or spinal cord tumour




Chronic kidney (renal) failure+

Chronic liver failure+

Cognitive impairment


Coronary artery surgery*

Creutzfeldt-Jakob disease



End Stage Chronic Lung Disease+

Heart attack*

Heart valve replacement

HIV – medically acquired

HIV – occupationally acquired

Intensive care treatment

Loss of hearing+

Loss of independent existence

Loss of limb and sight

Loss of limbs

Loss of speech+

Major burns

Major head trauma

Meningitis and/or meningococcal disease

Motor neurone disease

Multiple sclerosis+

Muscular dystrophy

Open heart surgery

Organ transplant

Out of hospital cardiac arrest


Parkinson’s disease

Peripheral neuropathy


Primary pulmonary hypertension

Severe diabetes

Severe inflammatory bowel disease


Systemic lupus erythematosus (SLE) with lupu nephritis

Systemic sclerosis+

Terminal Illness* (only if Trauma Cover – standalone has been selected)

Total and permanent disability (only if the Optional Total and Permanent Disablement Benefit has been selected)

Triple vessel angioplasty*

* No cover is provided for the 90 days immediately following the receipt of the application form by Chubb Life.

+ A diagnosis payment may be made upon meeting the diagnosis criteria of one of these conditions 

Adult insulin dependent diabetes mellitus


Burns of limited extent

Carcinoma in situ*

Cerebral aneurysm

Chronic lymphocytic leukaemia*

Colostomy and/or ileostomy

Early stage malignant melanoma*

Heart valve replacement*


Loss of limb

Low grade prostate cancer*

Severe osteoporosis

Severe rheumatoid arthritis

* No cover is provided for the 90 days immediately following the receipt of the application form by Chubb Life.

Is Trauma 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 www.ambest.com/ratings/guide.pdf