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Business Insurance
Critical Illness Cover
In the case of serious medical conditions or major surgical procedures which prevents you from working a lump sum payment or partial payment is made by the insurer. Trauma / Critical Care illness insurance allows you to focus on recovery without the stress of financial insecurity.
Some common serious medical conditions covered:
Cancer, heart attack, alzheimers, blindness, chronic kidney, liver and lung failure, dementia, intensive care, loss of limbs or speech, meningitis, stroke.
Some common major surgical procedures covered:
Coronary artery angioplasty – triple vessel, coronary artery bypass surgery, open heart surgery, major organ transplant.
Early Stage Cancer benefit:
Trauma cover includes an Early Stage Cancer benefit which will pay a minimum of $10,000 or 20% of the Trauma cover sum insured. There is also the option of Cancer cover which will pay a lump sum to help physical and financial recovery for cancer alone and also includes the early stage cancer benefit.
What We Offer
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ACC Cover + Extra
Designed to give you more control, ACC Cover Plus Extra (CPX) is a flexible, optional alternative that offers greater certainty over what happens if an accident stops you from working.
Business Income Continuity
If you are a business owner, you are the engine room of your company. If an illness or injury takes you out of action, the business doesn't just lose its leader—it loses its momentum.
Business Overhead Expense Protection
If you’re a small business owner or a partner in a firm, you are the engine. But what happens to the business if you’re temporarily sidelined by an illness or injury? While personal disability insurance covers your mortgage and groceries, Business Overhead Expense (BOE) insurance ensures your business stays open until you return.
Shareholder Protection
Designed to protect business continuity, Shareholder Protection Insurance (also known as Buy-Sell Cover) provides the immediate cash required for remaining owners to purchase a departing shareholder’s stake, ensuring a smooth and equitable transition.
Business Key Person Insurance
Designed to safeguard business continuity, Key Person Insurance (or Keyman Insurance) protects your company against the financial consequences of losing a crucial team member through serious illness, permanent disability, or death.
Business Debt Protection
Business Debt Protection delivers a targeted lump sum to clear business debts in defined circumstances, protecting your family and helping safeguard the future of the business.
Statistics
- In New Zealand 85% of females critical illness claims are for cancer. For males 45% claims are for cancer and 47% of claims are for the heart.
- One in 5 men and one in 7 women between the age of 30 and 65 will suffer a critical illness (Gen Re Life Health, 2008)
