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Personal 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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Life & Terminal illness Protection
Life insurance protection is designed to provide a financial safety net for your loved ones if the worst should happen.
Trauma & Critical Illness Cover
A Trauma claim payment provides a lump sum to support household expenses, medical treatment, and rehabilitation, giving you and your family the freedom to focus on recovery. The payment can be used flexibly— to cover your mortgage, everyday expenses, treatment and rehab, or lost income— and includes worldwide cover whether you’re at home, travelling, or living overseas.
Disability Benefit
Life is unpredictable, and sometimes a serious illness or injury can change everything. Total and Permanent Disablement (TPD) insurance is designed to provide you with a one-time lump sum payment if you become so disabled that you are unlikely to ever work again. Think of it as a financial safety net that helps you navigate a new way of living, ensuring that your mortgage, medical bills, and family’s future are protected—even if your ability to earn an income is gone.
Income Protection
Your earning ability is a vital asset. Income protection insurance helps protect it by providing regular monthly payments if illness or injury prevents you from working, so you can continue to meet your financial commitments.
Mortgage, Rent & Income Protection
Designed to support you when you need it most, this Bespoke Income Protection benefit provides a monthly payment to help replace lost income or cover essential living costs, including mortgage repayments or rent, if illness or injury prevents you from working.
Redundancy Insurance
Insurance that pays a monthly amount for up to 6 months if you are made involuntarily redundant. You may need a back-up plan to help you pay for your living expenses if you’re made involuntarily redundant, leaving you free to focus on your next career step. Redundancy Cover can only be chosen with Income Cover and/or Mortgage Repayment Cover.
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)
