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Trade Insurance & ACC
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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Trade Insurance & ACC
In New Zealand, if you are self-employed or a non-PAYE shareholder-employee, you are automatically covered by ACC Cover Plus. However, the standard "one-size-fits-all" model doesn't always work for business owners with fluctuating incomes or complex structures
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)
